Ramp vs Razorpay
Ramp confirms 3 of the features we check on its own site; Razorpay confirms 7. Starting prices: Ramp USD 15/mo · per user + platform fee by team size, Razorpay not published.
Ramp
Finance teams that want corporate cards, expenses and bill pay on one platform, from startups to enterprises.
Watch out: Banking and payment details cited are US-oriented (ACH, FDIC, QuickBooks Online).
Razorpay
Businesses selling in India that need payments, banking and payroll in one suite.
Watch out: Focused on India (UPI, RuPay, INR).
| Overview & pricing | ||
|---|---|---|
| Category | Payments & Fintech | Payments & Fintech |
| Specialty | Spend management | Payments platform |
| Based in | 🇺🇸 United States | 🇮🇳 India |
| Best for | Enterprise | All sizes |
| Starting price | USD 15/mo · per user + platform fee by team size | Unconfirmed |
| Free plan | ✓Yes | Unconfirmed |
| Free trial | Unconfirmed | Unconfirmed |
| Features confirmed on each vendor’s site | ||
| Card payments · Core features | Unconfirmed | ✓Accepts cards, netbanking, UPI; 100+ payment methods |
| Payment links · Core features | Unconfirmed | ✓Payment Links: create and send links to collect money |
| Physical terminal · Core features | Unconfirmed | ✓Razorpay POS for in-store payments |
| Recurring billing · Core features | Unconfirmed | ✓Subscriptions: collect recurring payments |
| Payouts / dispersion · Core features | Unconfirmed | ✓Payouts: 24x7 instant automated payouts |
| Corporate cards · Core features | ✓Corporate cards with unlimited cards and issuing controls | ✓Corporate Cards listed in banking suite |
| Expense management · Core features | ✓Travel and expense, receipt matching, expenses via SMS or Slack | Unconfirmed |
| Fraud prevention · Core features | ✓Automated fraud checks on AP | Unconfirmed |
| Public API · Platform | Unconfirmed | ✓Robust, easy-to-use APIs |
| Integrations | ||
| Listed on its site | Xero, NetSuite, Sage Intacct, QuickBooks, Microsoft Dynamics 365 Business Central, Workday Financial Management, Acumatica, Zoho Books, Oracle Fusion Cloud, Slack, Amazon Business | Unconfirmed |
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Every ✓ / ✕ comes from the vendor’s own website (sources on each product page). Unconfirmed means the site doesn’t say — not that the feature is missing.