Rippling is an all-in-one platform that combines HR, payroll, IT, and finance tools in one system. That sounds useful in theory, but if you're a small or mid-sized business, it's way more than you need. Rippling is more of an enterprise operations system than a lightweight expense management tool.

Rippling Spend, their expense and corporate card product, started inside the broader Rippling ecosystem. For a while, companies could only use it if they were already using Rippling for HR and payroll. Now it's sold more like a standalone product, but it still works best when it’s tied back to Rippling's HR system.

Its main advantage is that spending controls can connect directly to employee data. So for example, when someone joins, changes roles, or leaves, things like card limits, permissions, and approval flows can update automatically. But if you’re not using Rippling for HR, a lot of that advantage goes away. At that point, you're left with an expense tool that is pricier and more complicated than it needs to be.

For companies already fully committed to Rippling, the spend tools might make sense. For most SMBs just looking for corporate cards or expense tracking, we wouldn’t recommend it. There are free options that do the job without trying to pull you into a much bigger system.

• All employee and spending data lives in one system
• Automatic spend controls based on role, team, or department
• Global reimbursements and multi-currency support
• Useful if you are already deep in the Rippling ecosystem

• Pricing per employee adds up fast
• Way too complex if you only need expense management
• A lot of the automation depends on using Rippling HR
• Feels like it's constantly trying to pull you into the full Rippling suite
• Better options exist if you just want cards, reimbursements, or spend controls

This is Rippling's main pitch: everything related to employees, from HR records to payroll to company spending, lives in one system. That can be useful for larger companies that actually want one platform running all of that. But for smaller businesses looking just for expense management, it mostly just makes Rippling feel bloated and hard to justify.

Like any other expense management platform, Rippling lets companies issue physical or virtual corporate cards to employees and set spending controls around how those cards are used.

That’s fine, and yes, it helps reduce some manual review after the fact. But this is not some standout feature. Other spend management tools like Ramp or BILL Spend & Expense offer similar controls, and in many cases, they do it in a simpler way. We wouldn’t treat this as a reason to choose Rippling.

Employees can upload receipts and submit expenses directly in Rippling, and the platform matches them to transactions and routes them through approval workflows based on company policy.

Again, this is useful, but standard. It covers the basics you'd expect from an expense management tool, but it doesn’t really separate Rippling from the pack. If anything, the bigger issue is that the broader platform can make simple expense workflows feel more complicated than they should.

Speaking of complicated, Rippling is one of the less user friendly expense management platforms on the market, especially compared to Ramp. Your employees will not love using it, which often means poor adoption.

If your team is spread across multiple countries, Rippling can handle cross-border reimbursements and multi-currency expenses. Employees can submit expenses in their local currency, while finance teams still get reporting in their home currency.

This is one of the more practical parts of the product, and for international teams, it can be genuinely useful. That said, if global spend is a top priority, a more focused tool like Airwallex would be a better pick if this is really important to you.

Rippling uses modular pricing, so companies only pay for the specific products they want to use.

• Expense Management: Starts around $14 per employee/month. Best for companies that want automated expense tracking, reimbursements, and policy enforcement.
• Corporate Cards: Around $8 per employee/month add-on. Best for teams that want employee cards with built-in spending controls.
• Global Spend: Custom pricing. Best for companies with international teams that need reimbursements and reporting across multiple currencies.

To get the most out of Rippling, they really push you to use their HR and payroll products, which increases the total cost.

We find that teams based in the US tend to use QuickBooks Online, and businesses outside of the US tend to lean more toward Xero.

This is important because it means that the features QBO is building is more focused on things like US Sales Tax laws, while Xero may have more accounting features helpful outside of the US especially.

Also, accountants inside of the US are often more proficient with QBO as compared to Xero (although they should be familiar with both).

P.S. We highly recommend QBO over QuickBooks Desktop because of their robust API—you're not going to be integrating QuickBooks Desktop easily with anything.

QBO helps companies manage core financial tasks like invoicing, expense tracking, bank reconciliation, financial reporting, and tax preparation.

This is one of those areas that it makes sense that they cover, but you can tell it was an add-on versus being their core service. Payroll is boring, and hey, QBO does the job, it's just not a straightforward user-experience, and let's just say we used it for 4 years before switching to Gusto, and there's not a single bone in my body that misses QBO for payroll. It was also incredibly painful closing it down with them, reporting to all the Department of Labor agencies, and everything. Save yourself the time and skip out on QBO for Payroll.

If you compare QuickBooks Online to any of the best time tracking software on the market, you'll see just how wildly barebones, slow, and underwhelming it is. Even just the process of logging into QBO feels like you're pushing a boulder uphill, now you need to do it any time you track software? No thanks, I'll pass.

They designed it more to be for people who just need to submit their time one-per-day or once-per-week, they are building to check a box, not to be leading the time tracking space.