We find it tough to recommend Rippling Spend over Ramp or BILL Spend & Expense.
What we'd say here is, if you're a team that is already using Rippling for other areas of their business like Payroll, maybe give Rippling Spend a shot.
Otherwise, you're probably better off with Ramp as it'll give a better UI/UX.
We believe there are better options available in this category, read below to learn what this software does well, and what they could do better. ⤵
Given the choice between the two, we'd recommend Ramp. If you're a large team though, Ripping Spend has been known to give discounts on their pricing, and even drop it to "free" with an annual commitment.
That said, the terms will require that you spend at-least $5K/mo minimum and they can choose to charge you at the end of your contract when you start getting quite integrated in. This type of practice is something that we usually recommend staying away from.
If the pricing is of concern, then we might just recommend going with BILL Spend & Expense instead as they don't charge for their core functionality regardless of team size.
So with that, if you're considering Rippling Spend and not using Rippling for other areas of your business, you might want to check out our BILL S&E vs Ramp comparison instead.
The spend management platform for mid-size teams (customizable virtual cards, budgeting, auto-reconciling, and expense reimbursement).
Ramp is one of the clear leaders in the spend/expense management, budgeting space, and accounting automation space (Oh and it's totally free 👀)
They have a great UI/UX, tons of reporting/insights features, and a super clean and fast search functionality to find exactly what you're looking for:
You need to have $25K sitting in your business bank account at the time of applying in order to be approved. That said, your credit limit is going to be relative to how much is in your bank account, so we still recommend that businesses who are going to have $50–100K sitting in their business bank accounts at all times consider this based on the credit limit you'd get otherwise.
Ramp has the same virtual card functionality (and physical cards for employees). You'll want to spin up a virtual card for each company you use with Ramp, and you can even restrict (lock) these cards to a specific merchant.
The rewards are pretty standard with others in the space, getting around up-to 1.5% on most categories, with a bit more in certain categories (higher % when making payments weekly—less if made bi-weekly or monthly).
Ramp is more so for larger teams, think a distributed remote team with employees all over the world. But with more employees, comes more need for insights and data on spending. Ramp allows you to see your company's spend all in one place. Further, they have AI insights which will alert you of cost saving opportunities like duplicate subscriptions, sudden increases in spend, and possible lower pricing plans available. We think this is super cool, and is a big reason why we'd recommend Ramp for teams with 30-40+ employees.
One bit that I noticed when using Ramp is that they are a bit more focused on SMS interactions instead of having a fully-featured mobile app (unlike that of Divvy for example). Ramp only has an iOS app and it's mainly just for taking photos of receipts and matching transactions.
This might be a positive for those who have employees that aren't as tech-savvy, and you just need them to text a receipt in for it to tie to the expense management side of things (something that Divvy doesn't allow for).
All-in-all, they are focused a bit more broadly than that of BILL Spend & Expense (Divvy), moving more into the accounting automation side of things and integrating with a few more accounting tools natively. They really have an impressive suite of tools.
If you're a larger team, apply for Ramp using this link. Just remember, you need to have $25K in your bank account to get approved.
Rippling lets you easily manage your employees’ payroll, benefits, expenses, corporate cards, bill pay, & more—in one place. The majority of our coverage is focused on their Rippling Spend product.
Rippling Spend is worth considering if you have 50+ employees or are already in the Rippling ecosystem (e.g., using their Human Capital Management and Payroll products). Otherwise, we suggest exploring either BILL Spend and Expense or Ramp.
Here’s why:
Many of Spend’s core features and value adds are only accessible if you use Rippling’s other products, HCM and Payroll, which enable you to leverage all of your employee data. Without this ability to leverage employee data, you only have access to a subset of features and functionalities that we feel do not offer the same value as both BILL S&E and Ramp, which come at a lower cost. This makes BILL S&E and Ramp strong options for companies seeking standalone spend management solutions.
On the other hand, if you:
You might find value in Rippling Spend. The features Rippling touts in their marketing materials (policies, card groups, etc.), that leverage the data that’s in Rippling’s other platforms, truly are great offerings that undoubtedly save users time – time spent manually entering data, looking across multiple platforms for data, reviewing policies, reconciling expense reports, etc.
Just make sure you watch out for:
Curious how this app compares to others?