BILL vs Ramp
BILL
Businesses from start-ups to growing companies with complex operations, and their accountants
2006; San Jose, California
Ramp
Smaller teams on the free plan; growing teams automating workflows and controlling spend across multiple entities on Ramp Plus
New York; founding year not published
BILL and Ramp both cover accounts payable, expenses and company spending for finance teams.
BILL, listed on the NYSE and based in San Jose, adds accounts receivable, forecasting and procurement and serves close to half a million businesses; Ramp, based in New York with 70,000+ customers, combines corporate cards, expenses, reimbursements, AP and accounting workflows, with a free plan for smaller teams.
BILL vs Ramp: side by side
“Not published” means the vendor does not state it.
| BILL | Ramp | |
|---|---|---|
| What it does | Accounts payable, accounts receivable, expenses, forecasting and procurement in one platform | Corporate cards, expenses, reimbursements, accounts payable and accounting workflows, with AI agents for policy, accounting and AP on Ramp Plus |
| Best for | Businesses from start-ups to growing companies with complex operations, and their accountants | Smaller teams on the free plan; growing teams automating workflows and controlling spend across multiple entities on Ramp Plus |
| Founded and HQ | 2006; San Jose, California | New York; founding year not published |
| Ownership and funding | Listed on the NYSE (BILL); founder and CEO René Lacerte | Not published |
| Customers or users | Close to half a million; 8.3 million network members; 98 of the top 100 US accounting firms | 70,000+ customers |
| Pricing | AP & AR: Essentials US$49, Team US$65, Corporate US$89 per user a month; Enterprise on quote. Spend & Expense: no software fees | Free plan; Ramp Plus priced on request, billed annually |
| Deployment and markets | Cloud; cross-border payments to 130+ countries | 200+ countries supported; separate US and UK websites |
Main differences
BILL charges US$49 to US$89 per user a month for AP & AR, with no software fees for Spend & Expense; Ramp has a free plan and prices Ramp Plus on request.
BILL covers payables and receivables in one platform; Ramp centres on cards, expenses and payables, with AI agents for policy, accounting and AP on Ramp Plus.
BILL has close to half a million customers and 8.3 million network members; Ramp has 70,000+ customers and supports 200+ countries.
BILL is listed on the NYSE and led by founder and CEO René Lacerte; Ramp does not publish its ownership or funding.
Which to choose
Choose BILL if
- You need payables and receivables in one platform, or want published per-user prices
Choose Ramp if
- You want corporate cards, expenses and payables on a free plan, or AI agents for policy and AP
Compare further
Common questions
What is the difference between BILL and Ramp?+
BILL covers accounts payable, accounts receivable, expenses, forecasting and procurement in one platform. Ramp covers corporate cards, expenses, reimbursements, accounts payable and accounting workflows, with AI agents for policy, accounting and AP on Ramp Plus.
Is BILL or Ramp cheaper?+
Ramp has a free plan; Ramp Plus is priced on request and billed annually. BILL's AP & AR plans cost US$49 (Essentials), US$65 (Team) or US$89 (Corporate) per user a month, Enterprise is quoted, and Spend & Expense has no software fees.
Who owns BILL and Ramp?+
BILL is a public company listed on the NYSE under the ticker BILL, led by founder and CEO René Lacerte. Ramp is based in New York and led by CEO Eric Glyman; it does not publish its ownership or funding.
Part of Accountio’s accounting technology coverage.
