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.
.svg)
.webp)
The spend management platform for mid-size teams (customizable virtual cards, budgeting, auto-reconciling, and expense reimbursement).
Ramp is a corporate card and expense management platform designed to help companies control spend, automate finance tasks, and gain real-time visibility into expenses. It's a leader in the spend/expense management and accounting automation space, with a clean UI/UX, tons of reporting features, and fast search functionality. Ramp is built for scaling businesses who want better financial control without the friction of traditional banks.
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:
Super fast, taking just minutes to issue cards and accounts.
Easy navigation with CMD+K search and an AI chatbot for help.
Immediate visibility into transactions and spend patterns.
Easy to configure budgets via spend programs and card restrictions.
Automatic retries and Gmail integration for company-wide receipt fetching.
Native integrations with top accounting platforms, plus powerful reporting and tagging features.
Alerts via mobile app, SMS, and Slack for ultimate visibility
1.5% cashback standard with less complexity compared to other tools.
Custom contract uploads and renewal alerts.
No annual fees, no user fees, and no hidden fees. Revenue comes from interchange fees and an optional paid tier for larger teams. BUT Important: You need around $25K in your business bank account at signup to get approved. Your credit limit will be based on your cash balance. If you're looking for an expense management solution with no bank minimum, then check out BILL Spend & Expense (typically better for smaller businesses while Ramp is better for growing/scaling businesses with cash flow).
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 could beconsidering 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:
.svg)
.jpg)
.svg)
.svg)
.svg){kind=icon}
.svg)
.svg)
