# Ramp vs Airwallex Source: https://nachonacho.com/software-comparisons/ramp-vs-airwallex Last updated: 2026-11-01 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. ## At a glance | | 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 | ## Which to 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 ## 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. ## 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. ## Product pages - Ramp: https://nachonacho.com/product/ramp - Airwallex: https://nachonacho.com/product/airwallex ## Related comparisons ### More Ramp comparisons - Ramp vs Arc: https://nachonacho.com/software-comparisons/arc-vs-ramp - Ramp vs Bill.com: https://nachonacho.com/software-comparisons/bill-com-vs-ramp - Ramp vs Brex Banking: https://nachonacho.com/software-comparisons/brex-banking-vs-ramp - Ramp vs Engine: https://nachonacho.com/software-comparisons/engine-vs-ramp - Ramp vs Mercury: https://nachonacho.com/software-comparisons/mercury-vs-ramp - Ramp vs Cledara: https://nachonacho.com/software-comparisons/ramp-vs-cledara - Ramp vs Coupa: https://nachonacho.com/software-comparisons/ramp-vs-coupa - Ramp vs Emburse Cards: https://nachonacho.com/software-comparisons/ramp-vs-emburse-cards ### More Airwallex comparisons - Airwallex vs Brex: https://nachonacho.com/software-comparisons/airwallex-vs-brex - Airwallex vs Payhawk: https://nachonacho.com/software-comparisons/airwallex-vs-payhawk - Airwallex vs Payoneer: https://nachonacho.com/software-comparisons/airwallex-vs-payoneer - Airwallex vs Rho: https://nachonacho.com/software-comparisons/airwallex-vs-rho - Airwallex vs Stripe: https://nachonacho.com/software-comparisons/airwallex-vs-stripe - Airwallex vs Brex Banking: https://nachonacho.com/software-comparisons/brex-banking-vs-airwallex - Airwallex vs Cledara: https://nachonacho.com/software-comparisons/cledara-vs-airwallex - Airwallex vs PayPal: https://nachonacho.com/software-comparisons/paypal-vs-airwallex