Plooto vs Ramp
We give Plooto a 2.2 GPA and Ramp a 3.6, out of 4.0. Ramp grades higher on value for money, the free plan, features and ease of use. They get the same grade on platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Plooto
Bill pay and receivables for businesses in Canada and the US
Ramp
Corporate cards, expenses, travel and bill pay, with a free plan
How we grade them
| 2.2GPAPlootoFair | 3.6GPARampExcellent | |
|---|---|---|
| Value for money | CGraded against its bill pay alternatives. A ten-person company paying 20 supplier bills a month pays $29 on Go, $9 plus $1.00 a payment, in dollars its summary file doesn't name as US or Canadian. That's well under BILL but above Melio's free plan, and Nickel and Ramp send ACH free. | 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 | CNo free plan, but a 30-day trial with 10 free domestic payments and no credit card needed. After that the cheapest plan is Go at $9 a month plus $1.00 a payment. | 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 | CPayables and receivables are covered: invoices read by OCR, multi-level approvals, batch payments, pre-authorized debits and CRA remittances. It's a smaller job than the category's, though, with no company cards or expense reports listed. | 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. You connect QuickBooks or Xero and set approval rules before the first payment goes out, which takes a bit of setting up. | A4.91 from 47,070 App Store ratings, the top band. Staff can finish an expense by replying to a text, which is about as little effort as it gets. |
| Platforms and integrations | BWeb only, with QuickBooks Online, QuickBooks Desktop and Xero syncing on every plan and NetSuite as an add-on to Pro at $499 a month. No phone apps are listed. | 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 | bill pay across the Canada and US border | 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: Plooto and Ramp. How we grade
Price against what you get
Plooto starts at $9 a month and scores 2.3 out of 4 on features, ease of use and platforms. Ramp starts at $15 a month for each person and scores 3.3.
Ramp scores higher, and starts $6 a month higher: the question is whether the extra is worth that to you. Of the other spend and bill pay tools on the chart, 2 score higher than Plooto for less, and none scores higher than Ramp for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- Plooto starts at $9 per month, billing term and currency not stated. Ramp starts at $15 per user / month, plus a platform fee based on team size.
- Ramp has a free plan. Plooto does not, though it has a free trial.
- Only Ramp lists iOS and Android apps.
- Ramp also covers reports, expense tracking and company cards.
At a glance
| Plooto | Ramp | |
|---|---|---|
| Pricing | Free trial | Free plan |
| Starts at | $9 per month, billing term and currency not stated | $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 | 30-day free trial with 10 free domestic transactions, no credit card required | 30-day free trial of Ramp Plus |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Plooto | Ramp Business Corporation |
| Price read from | plooto.com | ramp.com |
| Checked | Oct 18, 2026 | Oct 18, 2026 |
Who each one suits
Plooto
- Canadian and US businesses that pay suppliers across the border
- Bookkeeping firms paying bills for many clients
- Canadian businesses remitting payroll and GST/HST to the CRA online
Ramp
- US companies that want cards, expenses and bill pay in one free tool
- Finance teams closing books in NetSuite or Sage Intacct
- Businesses that book company travel and want it tied to card spend
Worth knowing
Plooto
- Fees per payment: domestic $1.00 on Go or $0.50 on Grow, checks $1.99, CRA payments $3.00, card acceptance about 2.9% + $0.30. The file also lists cross-border at $9.99.
- Plooto's pricing page answered with a bot check; plan prices come from Plooto's own summary file of April 2026, which does not say whether they are US or Canadian dollars.
- Plooto serves businesses in Canada and the US and says it is a licensed money transmission business in Canada.
- QuickBooks Online, QuickBooks Desktop and Xero sync on every plan; NetSuite is a Pro add-on.
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
Plooto
- Accounts payable
- Plooto Capture reads invoices by OCR, and bills go through multi-level approvals, scheduling and batch payment with a full audit trail.
- Receivables
- Send invoices and collect by pre-authorized debit or by Visa, Mastercard or Amex with two-business-day settlement, plus recurring payments and reminders.
- International payments
- Pay suppliers in 40+ countries and 25+ currencies over Global ACH, with a flat cross-border fee and no separate FX transfer fee.
- Pay by card
- Pay a supplier with a commercial credit card while the supplier receives EFT, ACH or a check, for a 2.9% fee.
- Plooto Instant
- A pre-funded wallet in US or Canadian dollars that speeds payments up to one or two business days at no extra transaction cost.
- Dashboard for accounting firms
- Firms run payables for every client from one dashboard, with per-client approval rules and dual controls.
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
Plooto
Go$9
per month, billing term and currency not stated
1 approver. Domestic payments $1.00 each, cross-border payments a $19 flat fee.
Grow$32
per month, billing term and currency not stated
Unlimited approvers. Domestic payments $0.50 each, cross-border payments a $10 flat fee.
Grow Unlimited$59
per month, billing term and currency not stated
Grow with unlimited free domestic payments.
Pro$499
per month, billing term and currency not stated
Everything in Grow plus single sign-on, priority support and a NetSuite integration add-on.
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
Plooto
- Other savings
Free firm subscription for accountants
Accounting firms with 3 or more active clients on Grow or Pro get their own firm subscription free.
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.
