Rippling vs Ramp: Which Is The Top Pick in 2025?

One key drawback of Rippling is its complex payroll setup, which can be challenging for users despite helpful customer support. For Ramp, the customer service "Chat AI" is often criticized for being ineffective, leading to user frustration.

Rho could offer a more efficient solution for businesses by combining AP automation and banking products with advanced software for streamlined financial management.

Many businesses look to Rippling and Ramp for their financial and HR management needs. However, choosing the right solution can be a complex task.

In this article, we’ll review what each solution offers and how they compare to help you make an informed decision. Additionally, we'll also explore Rho as a third option worth considering.

Rippling Overview

Rippling is a workforce management system that integrates Human Capital Management (HCM), Payroll, IT, and Spend management into a single platform. It aims to streamline operations for HR, IT, and finance leaders, as well as global business managers, by automating tasks and enhancing decision-making processes.

Rippling Features

Some of the key features of Rippling include:

HR Management: Manage employee data, compensation, and compliance through a unified platform.
Payroll Management: Automate payroll processes and ensure timely payments for employees globally.
IT Management: Simplify IT tasks by managing devices and software access from a single dashboard.
Spend Management: Control and automate company expenses, including expense management and corporate cards.

Rippling Pricing

Rippling offers subscription tiers that can be customized based on business needs.

Basic Package: Includes HR management and payroll services - $8 per employee/month.
Standard Package: Adds IT management and device control - $12 per employee/month.
Premium Package: Comprehensive spend management and advanced analytics - $20 per employee/month.

The prices for each tier are not publicly listed.

Drawbacks To Rippling

General user reviews of Rippling highlight its ease of use and comprehensive features, but some users have noted areas for improvement.

"The product itself is SUPER robust. It offers everything you could need from employee surveys to Global contractor payments." - Kaitlyn G.
"The platform is user friendly, but the payroll setup process can be complex and time-consuming." - Dheeraj R.

For more detailed reviews, visit Rippling Reviews on G2.

Ramp Overview

Ramp focuses on spend management, corporate cards, and accounts payable solutions. Their main value proposition is to save time and money for finance teams by offering an integrated platform for corporate cards, bill payments, and accounting. Ramp caters to startups, small businesses, mid-market companies, and enterprises.

Ramp Features

Some of the key features of Ramp include:

Corporate Cards: Provides unlimited physical and virtual cards with category and vendor controls.
Expense Management: Automates receipt collection, generation, and matching with preset accounting codes.
Accounts Payable: Captures invoices using AI-powered OCR and processes payments via check, ACH, card, and wire.
Procurement: Manages vendor onboarding, purchase orders, and approval workflows with two- and three-way matching.

Ramp Pricing

Ramp offers subscription tiers with varying features and costs.

Free: $0 per month per user - Includes corporate cards, expense policy enforcement, and basic approval policies.
Plus: $15 per month per user, plus a platform fee based on team size - Adds advanced approval workflows and multi-entity support.
Enterprise: Custom pricing - Includes direct ERP integrations and custom development.

Drawbacks To Ramp

The overall consensus from the reviews is that Ramp is highly appreciated for its ease of use and efficiency, though there are minor criticisms regarding specific features.

"Ramp saves us so much time. No more expense reports & that our team members can get paid directly for reimbursements - & they love that also." - Mark P.
"The customer service 'Chat AI'. Ramp should consider finding people who know how to develop one. The current is clearly not AI based. It doesn't ask questions and can't solve much like a real support can." - Jered G.

For more detailed reviews, visit Ramp Reviews on G2.

What to Know Before Picking Rippling or Ramp

Looking at the reviews as a whole, businesses using Rippling often face a steep learning curve, especially for those new to comprehensive HR or IT management platforms. Additionally, the payroll setup process can be quite complex, which may require extra time and effort.

On the other hand, Ramp users have reported issues with card settings and approval processes. Initial setup and workflow creation can also be challenging, and there are occasional export failures when importing data into QuickBooks. These limitations can affect the overall efficiency of financial operations.

Why Rho Is a Better Alternative

At Rho, we understand the challenges businesses face with complex HR and financial management systems. Our platform simplifies these processes by offering seamless integration, user-friendly interfaces, and reliable support. We aim to address the pain points associated with Rippling and Ramp, providing a more efficient and streamlined solution for your business needs.

Rho Features

Up to 2% Cashback: With Rho Platinum, we offer up to 2% cashback¹ on all purchases, helping businesses save money on everyday expenses, unlike Rippling and Ramp, which offer lower cashback rates.
Real-Time Spend Monitoring: Our platform provides real-time monitoring of corporate spend with custom card controls, ensuring financial oversight and preventing unauthorized expenses, a feature that simplifies financial management compared to Rippling's complex setup.
Elimination of Expense Reports: We eliminate the need for traditional expense reports by capturing every receipt automatically, streamlining the expense management process and saving time for employees and finance teams, addressing a common pain point with both Rippling and Ramp.
AP Automation with Zero Platform Fees: Our AP Automation allows businesses to pay hundreds of vendors in minutes without any platform fees, reducing operational costs and improving efficiency, a significant advantage over the fee structures of Rippling and Ramp.
Direct Integration with Software: Rho integrates directly with accounting, HR, and T&E software, simplifying financial management and ensuring seamless data flow, which can be more cumbersome with Rippling's and Ramp's integration processes.
24/7 Private Banking Support: We provide continuous support with our 24/7 private banking service, ensuring that businesses always have access to assistance, unlike the unspecified support details of Rippling and Ramp.
No Monthly Subscription Fees: Our platform does not charge monthly subscription fees as transaction volume and employee count increase, making it a cost-effective solution for growing businesses, unlike the tiered pricing models of Rippling and Ramp.

Rho Pricing

We offer a straightforward and transparent pricing structure that sets us apart from Rippling and Ramp. Our pricing is simple and easy to understand, with many features available at no cost to you.

$0 Same-Day ACH fees: No charge for same-day ACH transactions.
$0 Wire fees: No charge for wire transfers, with some exceptions for international wires.
$0 Monthly plans: No monthly subscription fees.
$0 Support fees: Free live support from Day 1.
$0 Subscription fees: No subscription fees for accessing essential accounting integrations.
$0 Checking account minimum fees: No minimum balance fees for checking accounts.
$0 Connected, in-platform capabilities: Free access to AP, Expense, and Accounting Automation.
$0 Per-user fees: No per-user fees.
1% Foreign currency transfer: A 1% fee on foreign currency transfers.

You can find all the details about our pricing here.

Why Users Love Rho

We’re proud of what we do, but we think our customers say it best. Take a look at why they prefer Rho over other options.

"Rho is easy to use and has great customer support." - Sean F., Chief Financial Officer, Mid-Market
"Centralized system that is easy to use for all levels of the organization with exceptional customer service." - Tyler M., Chief Financial Officer, Small-Business
"Rho offers our users a one-touch experience for reporting company expenses on a corporate card." - Kevin K., Director of Marketing and Analytics, Mid-Market

Want a firsthand look at Rho? You can request a free demo here.

Which Platform Is Right for Your Business?

Each platform—Rippling, Ramp, and Rho—has its strengths, catering to different business needs. Rippling excels in comprehensive HR and IT management, while Ramp focuses on efficient spend management and corporate cards. However, both have their complexities and limitations.

This is where Rho comes in. We offer up to 2% cashback¹, real-time spend monitoring, and eliminate traditional expense reports, making financial management seamless. Our platform also features zero platform fees and 24/7 private banking support, providing a cost-effective and reliable solution for growing businesses.

Make the Smarter Choice with Rho Today

Curious to see what Rho can do for you? Discover how our platform can streamline your business operations. Get started with Rho today.

Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank N.A., member FDIC. Savings account services provided by American Deposit Management Co. and its partner banks. International and foreign currency payments services are provided by Wise US Inc. FDIC deposit insurance coverage is available only to protect you against the failure of an FDIC-insured bank that holds your deposits and subject to FDIC limitations and requirements. It does not protect you against the failure of Rho or other third party. Products and services offered through the Rho platform are subject to approval.

The Rho Corporate Cards are issued by Webster Bank N.A., member FDIC pursuant to a license from Mastercard, subject to approval.

Investment management and advisory services provided by RBB Treasury LLC dba Rho Treasury, an SEC-registered investment adviser and subsidiary of Rho. Rho Treasury investments are not deposits or other obligations of Webster Bank N.A., or American Deposit Management Co.’s partner banks, are not FDIC insured, are not guaranteed and may lose value. Investment products involve risk, including the possible loss of the principal invested, and past performance does not future results. Treasury and custodial services provided through Apex Clearing Corp. and Interactive Brokers LLC, registered broker dealers and members FINRA/SIPC.

¹Up to 2% cashback; terms and conditions apply. See eligibility and complete Rho Cashback Rewards Program terms and conditions here.

This content is for informational purposes only. It doesn’t necessarily reflect the views of Rho and should not be construed as legal, tax, benefits, financial, accounting, or other advice. If you need specific advice for your business, please consult with an expert, as rules and regulations change regularly.