Mesh Payments vs Ramp (2026): which should you pick?

Pick Mesh Payments if

• Fits if you're a small team of 3 or fewer who want cards and expenses at no cost
• Works for companies with spend in many countries that sync to an ERP

Look elsewhere if

• Tight if you have more than 3 users: past that you're on Premium at $13 a user
• Skip it if you want native mobile apps, as none are listed
• Watch out: cashback needs $50K of monthly spend
• Watch out: card issuing depends on region, with a different bank partner in each
• Watch out: the pricing page doesn't say if $13 is billed monthly or yearly

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

Mesh Payments

• The pricing page does not say whether the $13 per user figure is billed monthly or annually.
• Cashback on payments is advertised with a $50K monthly spend minimum.
• Card issuing depends on the region: the site names SoFi Bank in the US, Peoples Trust Company in Canada, Adyen in Europe and the UK, and NIUM in Australia and Singapore.
• The vendor lists no native mobile apps on the pages we read; employee requests run through WhatsApp, Slack or email.

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.

Mesh Payments

Corporate and virtual cards

Issue cards with controls built in, including cards locked to a single vendor and specialized traveler cards.

Expense management

Collect receipts, route approvals, and handle out-of-pocket and mileage expenses, with spending policies enforced before, during and after a purchase.

Global reimbursements

Pays employee reimbursements in local currencies straight to bank accounts in 100+ countries, according to the vendor.

Accounts payable

Invoice capture and automated payments, plus a ProcurePay product for procurement payments.

ERP sync and coding

Syncs journal entries, vendor bills, reimbursements and accruals to an ERP such as NetSuite, with unlimited custom fields.

Employee assistant

An assistant takes receipts, card requests and policy questions from employees through WhatsApp, Slack or email.

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.

Mesh Payments

• Pro$0

  for up to 3 users

  Spend management for a small team, free for up to 3 users.

• Premium$13

  per user / month, billing period not stated

  Tools to control and scale spend management and operations as the company grows.

• EnterpriseCustom

  Spend and travel control for complex needs, priced through sales.

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.

Mesh Payments

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.