Corpay vs Ramp (2026): which should you pick?
As of Nov 13, 2026, we pick Ramp: it is first in our ranking of spend and bill pay tools, and it grades higher too, 3.6 against 1.6.
Checked Oct 18, 2026 and Nov 13, 2026 · graded Oct 18, 2026 and Nov 13, 2026 by ToolGPA
Ramp grades higher on value for money, the free plan, features, ease of use and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Ramp
Corporate cards, expenses, travel and bill pay, with a free plan
Free plan · from $15/mo
Which one is for you
Pick Corpay if
- Fits if your finance team wants card rebates and AP automation from one provider
- Works for companies paying suppliers in many currencies
Look elsewhere if
- Skip it if you want a price before talking to sales, since none is published
- Not for you if you want to know your rebate up front, as the site calls it custom per program
- Watch out: the card is issued by Fifth Third Bank, N.A. or another bank under a Mastercard licence
- Watch out: it is several separate products, and a buyer may need only one of them
Pick Ramp if
- Fits if you want cards, receipts and bill pay in one place without a subscription
- Works for US companies that book travel and want it tied to card spend
Look elsewhere if
- Not for you if your company can't get credit approval for the card
- Skip it if you need purchase orders without paying for an add-on
- Tight if you'll outgrow Free soon, as Plus has a platform fee on top of $15 a user that isn't published
- Watch out: Workday and Oracle Fusion sync need Enterprise, which is quoted and billed yearly
- Watch out: 1099s cost $0.65 per IRS form, and cards are issued only in the US, Canada, the UK and the EEA
How we grade them
| 1.6GPACorpayWeak | 3.6GPARampExcellent | |
|---|---|---|
| Value for money | CNo price is published for any product; buyers speak to an expert, and card rebates are described as custom. That puts it in the middle with nothing to grade against. | AFree and substantial. A ten-person company pays $0 a month on Ramp Free for cards, expenses, travel and bill pay, and the listing gives no fee for ACH bill payments, with same-day ACH free too. Plus is $15 a user, 20% less yearly, plus an unstated platform fee. |
| Free plan and trial | FNothing free and no trial is listed. Every product is sold through a sales conversation. | AThe Free plan has no user cap on record and covers unlimited cards, receipts by text or Slack, travel booking, bill pay, invoicing, a checking account and QuickBooks or Xero sync. Plus has a 30-day trial. |
| Features | CCards, AP automation, payments in 140+ currencies and expense visibility. The lines are separate products, so a buyer may only need one of them and pay for the lot. | BThe whole job: cards with controls, expenses and reimbursements, travel, bills read by OCR and routed for approval, invoicing and accounting sync. Purchase orders and three-way matching are an add-on, which mostly bigger finance teams will miss. |
| Ease of use | CNo store rating on record. Setup runs through a sales process and ERP integration, so expect a rollout rather than a sign-up. | A4.91 from 47,070 App Store ratings, the top band. Staff can finish an expense by replying to a text. |
| Platforms and integrations | CWeb only on the listing, with NetSuite the one named integration. | BWeb, iPhone and Android, with QuickBooks Online, Xero, NetSuite, Sage Intacct, Dynamics 365, Workday, Slack and Amazon Business. No desktop app is listed, and Workday sync needs Enterprise. |
| Best for | cards and payables from one finance provider | cards, expenses and bill pay at no cost |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Corpay and Ramp. How we grade
Where they differ
- Corpay also covers workflow automation.
- Ramp also covers invoicing and reports.
In commonWebExpense trackingBill payCompany cards
At a glance
| Corpay | Ramp | |
|---|---|---|
| Pricing | Paid | Free plan |
| Starts at | Not published | $15 per user / month, plus a platform fee based on team size |
| Free plan | None | Ramp Free: unlimited cards, expenses by text or Slack, travel booking, bill pay, invoicing, a checking account, custom reports and QuickBooks Online or Xero sync. |
| Free trial | None listed | 30-day free trial of Ramp Plus |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Corpay | Ramp Business Corporation |
| Price read from | Not confirmed | ramp.com |
| Checked | Nov 13, 2026 | Oct 18, 2026 |
Worth knowing
Corpay
- No prices are published; every product is sold through a sales conversation.
- Corpay Mastercard is issued by Fifth Third Bank, N.A. or another financial institution under a Mastercard license, per the site.
- Rebates are described as custom, so the amount a buyer earns is set per program rather than listed.
- The product lines (cards, AP, FX, fleet, lodging) are separate offerings; a buyer may need only one.
Ramp
- Plus adds a platform fee based on team size that the pricing page does not state; Enterprise is quoted and billed yearly.
- Ramp says it is not a bank: checking deposits are held at First Internet Bank of Indiana, and its corporate card is issued by Celtic Bank and needs credit approval.
- Purchase orders and three-way matching come as an add-on to Plus or Enterprise; Workday and Oracle Fusion sync need Enterprise.
- Cards are issued in the US, Canada, the UK and the EEA. Filing 1099s costs $0.65 per IRS form, with state filing free.
Key features
Corpay
- Commercial cards
- Corpay Mastercard covers travel, purchasing and vendor payments, plus virtual cards, with custom cash rebates and flexible payment terms.
- AP automation
- Invoices and approvals are digitized in one system, with payments automation, PO automation and ERP integrations for syncing data.
- Cross-border payments
- Pay in 140+ currencies to more than 200 countries, with multi-currency accounts and currency risk management products.
- Expense management
- Real-time visibility and control across every card and transaction, with AI agents the site says control more of what a business spends.
- Fleet and lodging
- Fuel and fleet cards under Corpay One and Comdata, and corporate lodging and travel booking for workforces.
Ramp
- Corporate cards
- Unlimited physical and virtual Visa cards with spending controls. On Plus, cards lock themselves when receipts or other policy steps are missing.
- Expenses and reimbursements
- Employees complete expenses by text message or Slack, receipts are matched automatically, and out-of-pocket costs are reimbursed in batches.
- Travel booking
- Book flights, hotels and rental cars under a custom travel policy, with 24/7 phone support for bookings on Plus.
- Bill pay
- Invoices are read by OCR, routed through approvals and fraud checks, and paid by ACH, card, check or wire, with free same-day ACH and wires.
- Invoicing
- Create invoices, follow up with customers automatically and accept payment by ACH, card or check.
- Accounting automation
- QuickBooks Online and Xero sync on every plan. Plus adds NetSuite and Sage Intacct, AI coding for every field and automatic sync of routine spend.
Plans
Corpay
Pricing could not be confirmed. See corpay.com.
Ramp
Free$0
Unlimited cards with controls, receipt matching, travel booking, bill pay by ACH, card, check or wire, invoicing, and QuickBooks Online or Xero sync.
Plus$15
per user / month, plus a platform fee based on team size
20% off with yearly billing; the platform fee is not shown. Adds AI expense reviews, coded bill lines, batch payments, NetSuite and multi-entity support.
EnterpriseCustom
Billed annually. Adds Workday and Oracle Fusion integrations and full customization.
Ways to pay less
Corpay
No public discounts listed.
Ramp
- Annual discount
Save 20% on Plus with yearly billing
Ramp says Plus costs 20% less when billed annually than the $15 per user a month shown.
Common questions
Which is cheaper, Corpay or Ramp?
As of Nov 13, 2026, Corpay has no price we could confirm, and Ramp starts at $15 per user / month, plus a platform fee based on team size.
Which has a free plan, Corpay or Ramp?
As of Nov 13, 2026, only Ramp has a free plan. Corpay does not.
Which platforms do Corpay and Ramp run on?
As of Nov 13, 2026, only Ramp lists iOS and Android apps. Both list a web app. A platform missing from a listing is one its maker's pages did not mention.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.