| Functionality | 9 <p>Payhawk delivers one of the most feature-rich platforms, combining corporate cards, multi-currency support, accounts payable automation, and travel & expense (T&E) management. Its ability to handle purchase orders, bank transfers, and reimbursements puts it ahead of many competitors. </p> | 10 <p>Ramp offers a robust suite of spend management features including corporate credit cards, bill payments, and invoice processing, providing a comprehensive platform for managing expenses end-to-end. It automates tedious tasks (e.g. receipt collection and expense approvals) and delivers real-time reporting for insightful analytics. The only notable gap is limited customization of expense categories.</p> |
| Ease of Use | 6 <p>Employees and finance teams find Payhawk intuitive. Features like real-time receipt scanning, automated approvals, and policy enforcement streamline spend control. However, users new to comprehensive financial platforms may need training on invoice handling and bank transfer workflows.</p> | 9 <p>Ramp shines with an extremely user-friendly experience that both finance teams and employees appreciate. Submitting expenses or requesting approval is straightforward, thanks to an intuitive workflow and helpful reminders to upload receipts. The learning curve is minimal too.</p> |
| Look and feel | 6 <p>Payhawk offers a clean, intuitive interface that makes complex financial workflows feel straightforward and accessible. However, due to the sheer breadth of functionality, some features do need more training.</p> | 9 <p>Ramp's design is clean, modern and intuitive. Screens load quickly and the layout makes it easy for new users to find features, which reduces the learning curve.</p> |
| Customisability | 8 <p>Payhawk offers exceptional customization capabilities, particularly for organizations managing multiple entities across different countries and currencies. Finance teams can establish standardized global policies while accommodating local requirements, with impressive flexibility for complex organizational structures.</p> | 8 <p>Ramp offers solid (if somewhat standardized) customizability, allowing admins to set spending rules, approval workflows, and custom fields tied to their GL. Policy controls can be tailored – for example, managers can restrict which expense categories or GL codes an employee sees. While it doesn’t allow infinite tweaks, it provides enough flexibility to fit most businesses’ needs without overwhelming users with complexity.</p> |
| Ease of Setup | 6 <p>We appreciated its simple onboarding and hands-on support, making implementation smooth for mid-market and large companies. While basic use can start quickly, leveraging its full capabilities (ERP integration, multi-entity configurations, etc.) takes longer.</p> | 7 <p>The onboarding process is smooth with guided steps, and basic configurations (like issuing cards and setting limits) can be completed without technical expertise. The only limitation is that you must be a US based company to use the product.</p> |
| Customer Support | 8 <p>Payhawk provides responsive support services with staff who demonstrate deep knowledge of international finance requirements and technical implementation challenges. Users we heard from consistently praise the support team's responsiveness and solution-oriented approach, particularly during complex multi-entity deployments.</p> | 8 <p>Ramp provides responsive customer service through multiple channels, with especially strong documentation and self-service resources. Some users report occasional delays during peak times, but overall support quality is consistently high with knowledgeable representatives.</p> |
| Integratability | 7 <p>Payhawk delivers strong integration capabilities with direct connections to major ERP systems (Oracle NetSuite, MS Dynamics), accounting platforms, and business tools. </p> | 9 <p>Ramp integrates seamlessly with major accounting systems and other tools, reducing manual work significantly. It offers out-of-the-box connections to QuickBooks, Xero, Sage Intacct, and more, syncing transactions and receipts with a click. The platform also hooks into email and Slack for receipt forwarding and notifications, showing a strong commitment to fitting into your existing tech stack.</p> |
| Ease of Migration | 7 <p>Companies can export expenses, invoices, and transactions easily to Excel or directly sync with accounting software. Audit trails are well-documented, ensuring seamless financial reporting.</p> | 8 <p>Data export in Ramp is robust and hassle-free. Finance teams can easily dump transactions, receipts, or spend reports to CSV/Excel for analysis or auditing. Moreover, because Ramp syncs directly with accounting software, much of the “export” need is handled automatically.</p> |
