Ramp vs Airwallex
Choose Ramp if your priority is controlling company spend, automating accounting, and booking business travel; choose Airwallex if you need those spend tools alongside multi-currency accounts, international transfers, and online payment acceptance. Both offer corporate cards, expense management, bill pay, and a free plan. The deciding difference is whether your finance workflow centers on internal spending or moving and collecting money across borders.
Last updated November 1, 2026.
At a glance
| Dimension | Ramp | Airwallex |
|---|---|---|
| Primary focus | Cards, expenses, travel and accounting automation | Global accounts, payments, cards and expenses |
| Business accounts | Business checking and investment accounts | Collect and hold in 20+ currencies |
| International transfers | Vendor payments in USD or local currency | Local transfers to 120+ countries; SWIFT to 200+ |
| Customer payments | Invoices; ACH, card and check acceptance | Online checkout, invoices and subscription billing |
| Travel booking | Flights, hotels and rental cars | Not published |
| Free plan limits | $0 per user per month; unlimited cards | Explore: $0 per user per month; up to 10 free Spend users |
| Paid plans | Plus: $15 per user per month plus platform fee; Enterprise: custom | Grow: $12 per active Spend user per month plus platform fee; Accelerate: custom |
| Corporate cards | Unlimited physical and virtual charge cards | Unlimited multi-currency cards; physical and virtual |
| Accounting integrations | Free: QuickBooks Online, Xero; Plus: NetSuite, Sage Intacct and more | Explore: QuickBooks, Xero; Grow: NetSuite, Dynamics 365 Business Central |
| Purchase orders | Procurement add-on for Plus or Enterprise | Purchase orders and requests on Grow |
| Support | 24/7 chat on Free; 24/7 phone on Plus and Enterprise | Email support; dedicated account manager on Accelerate |
| Platforms | Web, iOS and Android | Web and mobile app |
Scroll the table sideways to compare each row.
Which should you choose?
Choose Ramp if
- Teams that want travel booking alongside cards and expenses
- Finance teams seeking automated expense coding and approval workflows
- Businesses wanting unlimited physical and virtual cards on the free plan
- Companies that need Sage Intacct integration on a paid plan
Choose Airwallex if
- Businesses that collect and hold funds in multiple currencies
- Teams making frequent international transfers
- Online sellers needing checkout and subscription billing
- Companies that want multi-currency employee cards
The verdict
Ramp is the better fit for teams that want travel booking, card controls, and accounting automation in one spend-management workflow. Airwallex is the better fit for businesses that need to hold multiple currencies, pay internationally, and accept online payments alongside employee spending. Compare the paid-plan fees and feature tiers against the workflows your team will use: Ramp Plus is $15 per user per month plus a platform fee, while Airwallex Grow is $12 per active Spend user per month plus a platform fee.
Ramp vs Airwallex: common questions
- Are Ramp and Airwallex close competitors?
- Yes. Both sell corporate cards, expense management and bill pay. Ramp also emphasizes travel booking and accounting automation, while Airwallex combines spend management with multi-currency accounts and global payment acceptance.
- Do Ramp and Airwallex have free plans?
- Yes. Ramp Free is listed at $0 per user per month and includes unlimited cards. Airwallex Explore is listed at $0 per user per month and includes up to 10 free Spend users. Airwallex also lists transaction fees for certain FX, transfer and payment-processing activities.
- How much do Ramp Plus and Airwallex Grow cost?
- Ramp lists Plus at $15 per user per month plus a platform fee based on team size. Airwallex lists Grow at $12 per active Spend user per month plus a platform fee based on team size; Grow supports up to 250 Spend users.
- Which is the better fit for international payments?
- Airwallex is the better fit if collecting and holding funds in 20+ currencies and making local transfers to 120+ countries are central needs. Ramp also supports paying global vendors in USD or local currency.
- Can either platform accept customer payments?
- Yes. Ramp lists invoice creation and ACH, card and check payment acceptance. Airwallex lists online card and local-payment-method acceptance, global invoicing, and subscription billing.
- Which platform includes business travel booking?
- Ramp lists flight, hotel and rental-car booking on its Free plan. Airwallex does not publish a comparable travel-booking feature on its US pricing page.
- Do Ramp and Airwallex integrate with QuickBooks, Xero and NetSuite?
- Both list QuickBooks and Xero integrations on their free plans and NetSuite on a paid plan. Ramp lists NetSuite on Plus; Airwallex lists it on Grow.
- Do both offer purchase orders?
- Yes, on different terms. Ramp lists procurement, including purchase-order management, as an add-on to Plus or Enterprise. Airwallex lists purchase orders and purchase requests on Grow.
