Ramp vs Certify:
they solve different problems.
Ramp is a corporate card and spend platform. Certify is an expense reporting tool. Most 5–50 person teams need something simpler: approvals that work with the cards they already have.
Which option fits your team
For growing US companies. Setup: 1–3 weeks.
For mid-sized businesses. Setup: 2–4 weeks.
Keep your cards. Approve from your phone. 15-min setup.
Not sure which fits?
Three questions. Instant recommendation.
The real cost per month
Software is the small part. Manager time is the big one.
| Option | Software | Mgr hrs/wk | All-in / mo |
|---|---|---|---|
| Ramp | — | ~3 | — |
| Certify | — | ~3 | — |
| Incurdesk | — | ~1 | — |
Head-to-head
The trade-offs, side by side.
| Ramp | Certify | Incurdesk | |
|---|---|---|---|
| Keep your cards | ✗ switch required | ✓ yes | ✓ yes |
| Price | $0 /mo core plan | Per user / see vendor | $9 /user/mo |
| Setup time | 1–3 weeks | 2–4 weeks | 15 minutes |
| Built for | Growing US companies | Mid-sized businesses | 5–50 person teams |
| Region | US-focused | Global | Global |
| Sales call to buy | No | Yes | No |
Where each one wins
And the honest trade-offs.
- Free core plan on Ramp cards
- Cards, bill pay and expenses in one place
- Strong policy controls as you scale
- Established expense reporting
- Receipt capture and mileage
- Approval routing
- Keep your cards and bank
- One-tap mobile approvals
- 15-min setup, no sales call
- Two-way QuickBooks & Xero sync
See the dashboard in action
2-minute interactive walkthrough with narration. No signup.
Every month, someone reviews receipts by hand. Not anymore.
The old way
Approve. Reject. Chase missing ones. Match to policies. It eats hours every week.
Not a tool. A team.
Five specialists behind one calm autopilot
Each one does one thing well. Together, they handle the receipt while you sleep.
Reads any receipt. Any language.
Vendor, date, currency, and every line item — extracted in about ten seconds.
Checks your rules. The ones you set once.
Budget limits, category caps, department restrictions — the policy agent knows them all.
Above your bar? Auto-approve.
Below? You decide.
You stay in control. Set the threshold once — the AI never oversteps it. This one: 85%.
Confidence gate — set once, enforced always
Every auto-decision gets its own score. The bar you set never gets crossed by accident.
Spots duplicates. Learns your patterns.
Every override, every dismissal — the team gets sharper.
Ready when you are
30-day free trial. Your founding rate locks the day you subscribe, not day 30.
Questions
Ramp offers a custom pricing model for teams, but for a 25-person team, estimated costs could range from $5,000 to $10,000 per year, depending on features. Certify, on the other hand, provides a more transparent pricing model at $12 per user/month (billed annually), totaling $3,600 per year for 25 users. For smaller teams (10 persons), Ramp might be more costly per user compared to Certify's straightforward scaling. As teams grow towards 50 persons, Ramp's custom plans might offer more competitive pricing tailored to specific needs, potentially undercutting Certify's linear cost increase.
Ramp is known for its automated expense reporting with AI-driven categorization, offering a streamlined approval process with less than 2 minutes average approval time for managers. It also integrates with over 100 accounting software solutions. Certify provides a robust expense reporting system with custom approval workflows, averaging a 3-minute approval time, and integrates with approximately 50 accounting systems. For teams of 10-50, Ramp's faster approval times and broader integration might enhance efficiency, though Certify's customization could better fit unique managerial needs.
Ramp offers a built-in travel booking platform with an average savings of 15% on bookings and integrates with popular travel services, providing a single platform for expense and travel management. Certify also offers travel booking but with less direct integration, relying more on partnerships; it doesn't specify average savings but emphasizes compliance with company travel policies. For a 25-person team booking 100 flights annually, Ramp could save around $7,500 (based on $300 average ticket price and 15% savings), compared to Certify where savings would depend on policy enforcement efficiency rather than direct booking discounts.</p> <div class="bn-widget bn-anim"> <div class="bn-widget-header"><span class="bn-logo">Incurdesk</span><span class="bn-badge">10-person team</span><div class="bn-widget-body"> <div class="bn-stat-row"> <div class="bn-stat" style="border-left-color:#059669"><div class="bn-stat-l">Hours saved/week
Both Ramp and Certify boast high security standards, including SOC 2 compliance. Ramp highlights its enterprise-grade security with 256-bit encryption and two-factor authentication (2FA), suitable for teams of all sizes. Certify also ensures 256-bit encryption and 2FA, with additional emphasis on GDPR and CCPA compliance. For teams in the growing teams range, both platforms are sufficiently secure; however, Ramp's emphasis on scalability might better prepare growing teams for future compliance challenges, while Certify's broad compliance framework could appeal to teams in heavily regulated industries.
Keep your cards.
Approve in one tap.
15-minute setup. Works with the QuickBooks or Xero you already have. No sales call, no credit card for the trial.
Get My Receipt Scanning Dashboard →Deep dive: Ramp vs Certify
The full comparison: how each tool works, where it falls short, and who it suits.
Comparing Ramp vs Certify Expense Management Software
Expense management is a crucial aspect of any business, and with the rise of digital solutions, it has become easier to manage and track expenses. Two popular expense management software options are Ramp and Certify. In this article, we will compare the pricing, features, receipt scanning, approvals, integrations, and suitability for different team sizes of these two software options.
Pricing
Ramp offers a flat rate of 1.5% + $0.25 per transaction for its basic plan, with no monthly fees or minimums. The company also offers a custom plan for larger businesses, which includes additional features such as advanced reporting and dedicated support.
Certify, on the other hand, offers three pricing plans: Essential, Professional, and Enterprise. The Essential plan costs $8 per user per month, the Professional plan costs $13 per user per month, and the Enterprise plan is custom-priced. All plans include features such as expense tracking, receipt scanning, and approvals.
Features
Both Ramp and Certify offer a range of features to help businesses manage their expenses. Some of the key features of Ramp include:
- Automated expense tracking and categorization
- Receipt scanning and uploading
- Approvals and reimbursement workflows
- Integrations with popular accounting software such as QuickBooks and Xero
- Customizable reporting and analytics
Certify also offers a range of features, including:
- Expense tracking and reporting
- Receipt scanning and uploading
- Approvals and reimbursement workflows
- Integrations with popular accounting software such as QuickBooks and Xero
- Customizable reporting and analytics
- Travel booking and management
Receipt Scanning
Both Ramp and Certify offer receipt scanning features, which allow users to upload receipts and have them automatically categorized and tracked. Ramp's receipt scanning feature uses AI-powered technology to extract data from receipts and categorize expenses. Certify's receipt scanning feature also uses AI-powered technology, and allows users to upload receipts via mobile app or email.
Approvals
Both Ramp and Certify offer approvals features, which allow managers to review and approve expenses before reimbursement. Ramp's approvals feature allows managers to set up custom approval workflows and receive notifications when expenses are submitted. Certify's approvals feature also allows managers to set up custom approval workflows and receive notifications, and also includes features such as automated approval routing and approval delegation.
Integrations
Both Ramp and Certify offer integrations with popular accounting software such as QuickBooks and Xero. Ramp also offers integrations with other software such as Slack and Google Drive. Certify offers integrations with other software such as Concur and Expensify.
Best for Which Team Size
Ramp is best suited for small to medium-sized businesses with simple expense tracking needs. Its flat rate pricing and lack of monthly fees make it an attractive option for businesses with limited budgets. Certify, on the other hand, is best suited for larger businesses with more complex expense tracking needs. Its customizable reporting and analytics features make it an attractive option for businesses that need more advanced AI expense management software capabilities.
| Feature | Ramp | Certify |
|---|---|---|
| Pricing | 1.5% + $0.25 per transaction | $8-$13 per user per month |
| Features | Automated expense tracking, receipt scanning, approvals, integrations | Expense tracking, receipt scanning, approvals, integrations, travel booking |
| Receipt Scanning | AI-powered technology, mobile app and email upload | AI-powered technology, mobile app and email upload |
| Approvals | Custom approval workflows, notifications | Custom approval workflows, notifications, automated approval routing |
| Integrations | QuickBooks, Xero, Slack, Google Drive | QuickBooks, Xero, Concur, Expensify |
| Best for Which Team Size | Small to medium-sized businesses | Larger businesses |
In conclusion, both Ramp and Certify are powerful expense management software options that offer a range of features to help businesses manage their expenses. While Ramp is best suited for small to medium-sized businesses with simple expense tracking needs, Certify is best suited for larger businesses with more complex expense tracking needs. By considering the pricing, features, receipt scanning, approvals, integrations, and suitability for different team sizes of these two software options, businesses can make an informed decision about which one is right for them.