Last verified 32 days ago·16 sources·Updated automatically
Ramp and Revolut Business compared across Company facts, Pricing, Card & limits, Rewards & cash back, Spend management, Security & compliance and Platform & integrations — every fact sourced and re-verified from each vendor's public material.
Ramp
Finance automation platform — a flat-cash-back charge card with strong controls, AI receipt matching, and bill pay, built to cut spend.
London, United KingdomGlobal Group operating HQ in London. US entity (Revolut Technologies Inc.) is in New York, NY.
Employees
2.7kApprox. headcount, late 2025 (Revelio Labs workforce data)
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Pricing
Starting Monthly Price (USD)
$0Free plan ($0); card is free, Ramp earns on interchange
$10Basic plan, $10/user/mo (US). No free plan in the US; Basic is the cheapest tier.
Paid Tier Price (USD/user/mo)
$15Plus plan; 20% off with annual billing
$40Grow plan, $40/mo (US) — first step up from Basic, adds custom approvals, analytics, Business API.
Card & limits
Card Type
charge cardCorporate charge card, paid in full each cycle (~30-day terms)
debitUS cards are prepaid, drawn from the Revolut Business account balance.
Card Network
VisaRuns on the Visa network
Visa or MastercardUS prepaid cards offered on both Visa and Mastercard (Revolut Prepaid Visa / Revolut Prepaid Mastercard), issued by Lead Bank.
No Personal Guarantee
No personal credit check or personal guarantee
Balance-funded prepaid/debit card — no personal guarantee or personal credit check; spend is limited to deposited funds.
Limit Basis
cash balance & revenueLimit based on revenue or dollars raised
account balanceSpending is funded by and limited to the available Revolut Business account balance (prepaid/debit).
Virtual Cards
Unlimited physical and virtual cards at no extra cost
Up to 50 virtual cards per team member, issued instantly with per-card spend/category/country controls; usable in Apple/Google Pay.
No Foreign Transaction Fees
International transactions carry a Visa conversion markup up to 3%
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Rewards & cash back
Rewards Model
flat cash backFlat-rate cash back on all purchases (no category tiers/points)
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Spend management
Receipt Capture & Matching
AI receipt capture (SMS/email) auto-matched and coded to transactions
AI receipt capture (photo/email) with OCR auto-fill and auto-matching to transactions, up to 98% match accuracy. Expense add-on, extra cost on all plans.
Approval Workflows & Policies
Configurable spend policies + approval routing; advanced routing on Plus+
Configurable spend policies/card controls on all plans; custom multi-step spend & expense approval workflows on Grow plan and above.
Employee Reimbursements
Out-of-pocket reimbursements included; enhanced bulk processing on Plus+
Built-in out-of-pocket reimbursements with receipts and instant payouts, plus a mileage-claims tool. Part of the Expenses add-on (extra per-member fee).
Bill Pay / AP
Bill pay / AP included (ACH, card, check, wire) on all tiers
US: pay suppliers, vendors and subscriptions via virtual company cards. Dedicated Revolut BillPay / AP invoice payment is not confirmed for the US (appears only on UK/global pages).
Security & compliance
SOC 2
SOC 2 Type II (annual audits); also PCI DSS
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SSO (SAML)
SSO for Okta, Google, Microsoft Azure; included on Free per pricing
Native sync to QuickBooks, Xero, NetSuite, Sage Intacct, FreeAgent, Dynamics 365 Business Central, Odoo, Zoho Books and more; on all plans.
Public API
Public developer REST API; docs at docs.ramp.com
Public Business API (REST) for cards, transactions, payments; documented at developer.revolut.com. Available on Grow plan and above.
The verdict
Ramp
Best for low-cost spend management with built-in AP and rewards
Ramp starts free ($0) versus Revolut's $10/user, and its $15 paid tier undercuts Revolut's $40. It bundles receipt capture, approval workflows, reimbursements, and full ACH/card/check/wire bill pay on every plan — all paid add-ons or unconfirmed on Revolut. Adds flat cash back, SOC 2 Type II, SSO/SAML, SCIM, and a charge card with ~30-day terms.
Best for strict prepaid spend caps and Mastercard support
Revolut's cards are prepaid debit, funded by and capped to the account balance — spend can never exceed deposited funds, unlike Ramp's charge card billed on ~30-day terms against revenue. It also issues on Visa or Mastercard where Ramp is Visa-only, and offers up to 50 virtual cards per member with per-card spend, category, and country controls.
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