Ramp vs Unit
Ramp confirms 3 of the features we check on its own site; Unit confirms 3. Starting prices: Ramp USD 15/mo · per user + platform fee by team size, Unit Quote only.
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).
Unit
Software companies that want to embed accounts, cards, money movement and lending inside their own product.
Watch out: No public pricing; access is through sales and demos, and the money-movement rails cited are US-centric (ACH, wire, check).
| Overview & pricing | ||
|---|---|---|
| Category | Payments & Fintech | Payments & Fintech |
| Specialty | Spend management | Embedded finance infrastructure |
| Based in | 🇺🇸 United States | 🇺🇸 United States |
| Best for | Enterprise | All sizes |
| Starting price | USD 15/mo · per user + platform fee by team size | Quote only |
| Free plan | ✓Yes | Unconfirmed |
| Free trial | Unconfirmed | Unconfirmed |
| Features confirmed on each vendor’s site | ||
| Corporate cards · Core features | ✓Corporate cards with unlimited cards and issuing controls | Unconfirmed |
| Expense management · Core features | ✓Travel and expense, receipt matching, expenses via SMS or Slack | Unconfirmed |
| Credit / financing · Core features | Unconfirmed | ✓Capital: lines of credit, invoice factoring and credit cards |
| Fraud prevention · Core features | ✓Automated fraud checks on AP | Unconfirmed |
| SOC 2 · Security & compliance | Unconfirmed | ✓Certified SOC 2 Type II |
| PCI DSS · Security & compliance | Unconfirmed | ✓PCI DSS Level 1 compliant |
| 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.