Ramp vs Relay (2026): which should you pick?

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

Pick Relay if

• Fits if you run a small business and want several checking accounts with cards under one login
• Works for teams that want a savings rate and cash back, and will pay for Grow

Look elsewhere if

• Tight if you stay on Starter: it earns less on savings and lacks spend approval requests
• Pricey if you want automation, as Scale is $90 a month
• Watch out: transaction fees apply on every plan, for example $25 for SWIFT wires on Starter
• Watch out: Relay isn't an FDIC-insured bank, as banking comes from Thread Bank
• Watch out: pay-by-bank invoice collection costs 1%, 0.75% or 0.5% depending on plan, capped at $10

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.

Relay

• Relay is not an FDIC-insured bank; banking services come from Thread Bank, Member FDIC.
• Transaction fees apply on every plan: for example SWIFT international wires are $25 on Starter, $22 on Grow and $20 on Scale.
• Pay-by-bank invoice collection costs 1%, 0.75% or 0.5% of the amount on Starter, Grow and Scale, capped at $10.
• Savings APY and card cash back differ by plan and are variable, so the $0 Starter plan earns less than the paid plans.

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.

Relay

Checking and savings accounts

Open up to 20 checking accounts (50 on Scale) and high-yield savings accounts, with deposits auto-transferred by rule.

Debit and credit cards

Visa debit and credit cards with spend limits and roles, up to 50 debit cards per cardholder per checking account.

Expense tracking

Receipt capture and upload reminders, expenses categorized as they happen, and sync to accounting software.

Bill pay

Upload bills, assign tasks, set multi-step approval rules and pay vendors by ACH or wire.

Invoicing

Create and track invoices, send payment links and automated follow-ups, and collect by card, bank payment or wire.

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.

Relay

• Starter$0

  20 checking accounts, 1.19% APY on savings and 1% cash back on credit cards, as of 9/17/2026. Same-day ACH is $1 and domestic wires are $8.

• Grow$30

  per month

  Adds spend approval requests, batch vendor payments, bookkeeping automation and recurring invoices. 1.87% APY and 1.25% cash back. Same-day ACH is $0.50 and domestic wires are $5.

• Scale$90

  per month

  Shown as $90, down from $120, no end date given. 50 checking accounts, bill payment automation, cash flow forecasts, 3.21% APY, 1.5% cash back and no fee for same-day ACH.

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.

Relay

No public discounts listed.