# Ramp vs Spendflo

Source: https://nachonacho.com/compare/ramp-vs-spendflo

Choose Ramp if you want corporate cards, expenses, bill payments, and procurement in one finance platform; choose Spendflo if procurement intake, supplier workflows, and contract renewals are your main priorities. Both offer purchasing approvals and purchase order workflows, so this is a useful comparison for teams deciding how to manage buying, even though their broader products differ.

## At a glance

| | Ramp | Spendflo |
| --- | --- | --- |
| Core scope | Cards, expenses, bill pay, and procurement | Procurement intake, suppliers, contracts, and PO workflows |
| Corporate cards | Unlimited physical and virtual cards | Not published |
| Procurement access | Add-on to Plus or Enterprise | Grow, Scale, and Enterprise plans |
| Pricing model | Free $0/user/month; Plus $15/user/month plus platform fee | Platform fee plus per completed request; dollar rates not published |
| Request allowance | Not published | 1,000 requests per year included |
| Purchase orders | PO creation and tracking with Procurement add-on | PO creation via ERP integration |
| Accounts payable | Bill payments by ACH, card, check, and wire | Invoice, bill, and payment workflows via add-on |
| Contracts and renewals | Contract extraction and renewal tracking | Contract storage, obligation tracking, and renewal alerts |
| Software usage | Okta-connected License Intelligence | Usage integrations for Salesforce, GitHub, Slack, and others |
| Integrations | QuickBooks Online and Xero on Free; NetSuite and Sage Intacct on Plus | ERP, HRIS, CLM, and communication integrations on Grow |
| Onboarding and support | 24/7 chat; Enterprise implementation services | Dedicated Grow onboarding; named CSM on Scale |

## Which to choose

### Choose Ramp if

- Finance teams seeking corporate cards and procurement in one platform
- Businesses managing employee expenses alongside purchasing
- Teams that want built-in bill payment methods
- Buyers who want a published starting price for the core platform

### Choose Spendflo if

- Teams centered on procurement intake and approvals
- Buyers connecting purchase orders to an existing ERP
- Teams coordinating supplier records and contract renewals
- Businesses that prefer pricing tied to completed requests rather than users

## Verdict

Pick Ramp when the deciding factor is connecting purchasing to employee spending, cards, and accounting. Pick Spendflo when the deciding factor is a procurement-focused workflow that connects requests, supplier records, contracts, and an existing ERP. Compare the full quote rather than headline prices: Ramp's advanced procurement requires an add-on to Plus or Enterprise, while Spendflo prices by platform fee and completed request without publishing a dollar amount.

## Questions

### Is this comparison worth publishing?

Yes. Ramp and Spendflo both offer procurement intake, approvals, purchase order workflows, and contract management. Ramp also serves broader finance operations, while Spendflo centers its plans on procurement workflows.

### Does Ramp include advanced procurement in its free plan?

No. Ramp lists advanced procurement as an add-on to its Plus or Enterprise plan; its Free plan includes cards, expenses, bill pay, and vendor management.

### Does Spendflo publish a price?

Spendflo publishes Grow, Scale, and Enterprise plans and describes a platform fee plus per-completed-request pricing model, but it does not publish dollar rates on its pricing page.

### Which product offers corporate cards?

Ramp publishes unlimited physical and virtual corporate cards. Spendflo does not publish a corporate-card offering on its current product and pricing pages.

### Can both products manage purchase orders?

Yes. Ramp lists automated purchase order creation and tracking with its Procurement add-on. Spendflo lists purchase order creation through ERP integration.

### How do their accounts payable features differ?

Ramp publishes bill payments by ACH, card, check, and wire in its Free plan. Spendflo lists invoice, bill, and payment workflows as an accounts payable add-on; its published payment workflow includes bank CSV export and ERP sync.

### Which should a team using an existing ERP consider?

Spendflo is worth considering if the goal is to run procurement workflows around an existing ERP: it lists ERP-connected purchase orders and integrations. Ramp is worth considering if the team also wants cards, expenses, and bill pay in the same platform.

## Product pages

- Ramp: https://nachonacho.com/product/ramp
- Spendflo: https://nachonacho.com/product/Spendflo