Tipalti vs Ramp: Which The Top Pick in 2025?

One key drawback of Tipalti is the need for improved turnaround times from customer support to close out open tickets. For Ramp, the customer service "Chat AI" is often ineffective, leaving users frustrated.

Rho could offer a more efficient solution for businesses by combining AP automation and banking products with software to manage expenses, AP, banking, treasury, and month-end close.

Many businesses look to Tipalti and Ramp for their financial 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.

Tipalti Overview

Tipalti operates in the finance automation space, offering a suite that enhances visibility and control over accounts payable, global payments, procurement, and employee expenses. Their main value lies in helping businesses streamline operations and ensure compliance. Key customers include adtech, e-commerce, financial services, and the gig economy sectors.

Tipalti Features

Some of the key features of Tipalti include:

Accounts Payable Automation: Streamlines the entire accounts payable process, including invoice management, payment reconciliation, and tax compliance.
Mass Payments: Provides scalable payout solutions for global businesses, supporting multiple currencies and payment methods.
Expense Management: Simplifies employee expenses and global reimbursements with features like automatic reconciliation and spend control.
Global Payments: Manages payables operations globally, supporting cross-border payments to 196 countries in 120 currencies.

Tipalti Pricing

Tipalti offers a range of subscription tiers to cater to different business needs:

Starter: $99/month, includes supplier portal, W9/W8 collection, AI Smart Scan invoice processing.
Premium: Custom pricing, includes all Starter features plus procurement features, PO matching, global multi-entity infrastructure.
Elite: Custom pricing, includes all Premium features plus advanced procurement solutions, budget management, Slack integrations.
Accelerate: Custom pricing, includes customizable payee onboarding, multiple payment methods, global infrastructure.
Plus: Custom pricing, includes all Accelerate features plus fraud monitoring, self-billing, access to developer APIs.

The prices for each tier are not publicly listed.

Drawbacks To Tipalti

General user reviews of Tipalti highlight its efficiency and ease of use, though some users report technical issues and a learning curve.

"With thousands of Creators and clients, we could not process payments on a weekly basis without Tipalti." - Shereen B.
"The system is easy to navigate, but there are occasional technical issues that can be frustrating." - Abhi B.

For more details, visit Tipalti Reviews on G2.

Ramp Overview

Ramp operates in the spend management space, offering corporate cards and accounts payable solutions. Their main value proposition is to save time and money for finance teams by consolidating various financial tasks into one platform. Ramp caters primarily 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 controls for issuing and enforcing expense policies.
Expense Management: Automates expense submissions and enforces policies to ensure compliance with company guidelines.
Accounts Payable: Automates invoice extraction using OCR and supports various payment methods, including ACH and checks.
Real-Time Reporting: Offers real-time insights into business expenses, helping to track and manage spend effectively.

Ramp Pricing

Ramp offers a structured pricing model with both public and custom options.

Free: $0 per month per user, includes unlimited cards, basic approval policies, and OCR invoice extraction.
Plus: $15 per month per user, plus a platform fee based on team size, includes advanced approval workflows and multi-entity support.
Enterprise: Custom pricing, includes direct ERP integrations and custom development.

Drawbacks To Ramp

Overall, Ramp is praised for its ease of use and efficiency in streamlining financial operations, though some users have noted areas for improvement.

"Ramp saves us so much time. No more expense reports & our team members can get paid directly for reimbursements." - 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." - Jered G.

For more details, visit Ramp Reviews on G2.

What to Know Before Picking Tipalti or Ramp

Looking at the reviews as a whole, businesses using Tipalti often encounter technical issues and payment processing errors, which can disrupt their operations. Additionally, the learning curve for new users can be steep, making it challenging to fully utilize all features.

For Ramp, common limitations include difficulties with card management, such as daily limit resets and designating travel planners. Users also report struggles with setting up workflows and generating reports, which can be cumbersome and time-consuming.

Why Rho Is a Better Alternative

At Rho, we understand the challenges businesses face with Tipalti and Ramp, such as technical issues and cumbersome workflows. Our platform is designed to simplify financial management, offering seamless integration and user-friendly features that address these pain points, making us a more efficient and reliable choice.

Rho Features

Zero Platform Fees for AP Automation: Unlike Tipalti, which may have platform fees, we offer AP automation with zero platform fees, helping businesses save on operational costs.
Up to 2% Cashback with Rho Platinum: Our Rho Platinum card offers up to 2% cashback¹, providing significant savings on business expenses compared to Ramp's 1.5% cashback.
Real-Time Spend Monitoring: Our platform provides real-time monitoring of corporate spend with custom card controls, ensuring businesses can effectively manage and control expenses.
Comprehensive Integration: We integrate directly with accounting, HR, and T&E software, streamlining financial operations and reducing the need for manual data entry, unlike the more limited integrations offered by Tipalti and Ramp.
24/7 Private Banking Support: Our dedicated support team is available 24/7, ensuring that any issues are promptly addressed, minimizing downtime and enhancing user experience.
Expense Management: We eliminate the need for traditional expense reports by capturing every receipt, simplifying the expense management process and reducing administrative burden.

Rho Pricing

We offer a straightforward and transparent pricing structure that eliminates many of the traditional banking fees you might find with other platforms like Tipalti and Ramp. Our goal is to make financial management simple and cost-effective for your business.

Here are the key pricing line items:

Same-Day ACH fees: $0 for processing same-day ACH transactions.
Wire fees: $0 for wire transfers, with some exceptions for international wires.
Monthly plans: $0 monthly subscription fees for accessing our services.
Support fees: $0 for live support from day one without any additional charges.
Subscription fees: $0 for using our platform.
Checking account minimum fees: $0 minimum balance fees for checking accounts.
Connected, in-platform capabilities: $0 for AP, Expense, and Accounting Automation tools.
Per-user fees: $0 fees per user for accessing the platform.
Foreign currency transfer: 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.

"From day one, using Rho has been simple and straightforward." - Sean F.
"Rho offers our users a one-touch experience for reporting company expenses on a corporate card." - Tyler M.
"Centralized system that is easy to use for all levels of the organization with exceptional customer service." - Kevin K.

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

Which Platform Is Right for Your Business?

Each platform—Tipalti, Ramp, and Rho—has its strengths, catering to different business needs. Tipalti excels in global payments and compliance, while Ramp offers robust spend management and corporate card solutions. However, both have limitations, such as technical issues and cumbersome workflows.

This is where Rho comes in. We offer zero platform fees for AP automation, up to 2% cashback with Rho Platinum, and comprehensive integration with accounting and HR software. Our 24/7 private banking support ensures seamless financial management, making us a more efficient and reliable choice.

Make the Smarter Choice with Rho Today

Curious to see what Rho can do for you? Discover how our platform can streamline your financial management. 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.