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Comparison

Ramp vs Payhawk

Ramp lands on Worth it, and Payhawk lands on Depends.

Ramp

ramp.com

Worth it
Confidence: Medium

Buy if you run a US business with regular team spending . the free tier and no-fee cards make it low-risk.

Read the full report

Ramp versus Payhawk
CompareRampPayhawk
VerdictWorth itDepends
Best forUS startups and SMBsMulti-entity scale-ups
Who it's not forSolo founders with tiny spendSolo founders with a handful of receipts
PrivacyDocumented security program (passkeys, phishing protection, monitoring) with one reported AI data-exposure flaw.⁸No known public vulnerabilities found in the sources reviewed.12
Support qualityTrustpilot complaints; Reddit users ask about supportHelp center exists; quality unverified in sources
Public sentimentUsers praise ease of use and no-fee cards, while complaints focus on support quality and freemium pricing.¹No verbatim user reviews surfaced in the sources reviewed; Cooper AI cites Payhawk as 'Easiest to Set Up' among rising T&E tools.14
Biggest gotchaFree plan is a hook; Plus billing reportedly starts around $1,100/month⁶Pricing figures absent from sources reviewed; expect sales demo. Guess: multi-entity and AI features cost extra.11

Pick Ramp when

  • US startups and SMBs
  • Teams with heavy card spend
  • Finance teams automating AP
  • Budget-conscious founders

When Ramp is not a fit

  • Solo founders with tiny spend
  • Global teams needing multi-currency
  • Buyers wary of freemium pricing
  • Anyone needing responsive support

Pick Payhawk when

  • Multi-entity scale-ups
  • Finance teams automating AP and expenses
  • EU companies needing eInvoicing
  • Card-heavy spend cultures

When Payhawk is not a fit

  • Solo founders with a handful of receipts
  • Small teams needing only simple expense capture
  • Buyers who require published per-seat pricing upfront
  • Teams unwilling to migrate cards, AP, and travel together

Sources

  1. Anyone here actively using Ramp? How is the support?reddit.com
    review
  2. Read Customer Service Reviews of ramp.comtrustpilot.com
    review
  3. Ramp user reviews: The good, bad, and a better AP & P2Pstampli.com
    review
  4. Ramp Business Card Review 2026airwallex.com
    review
  5. Ramp Pricing 2026capterra.com
    official
  6. Ramp Plus billing policysupport.ramp.com
    official
  7. Ramp raises $750M at $44B valuationtechcrunch.com
    news
  8. Ramp's Sheets AI Exfiltrates Financialspromptarmor.com
    security
  9. Product security pageramp.com
    security
  10. A Truly Global Ramp Alternativepayhawk.com
    news
  11. Payhawk homepagepayhawk.com
    official
  12. Security at Payhawkpayhawk.com
    security
  13. Payhawk.com Review: Safe or Legit? (78/100 Trust Score)gridinsoft.com
    security
  14. Rising Travel & Expense tools . Cooper AIcooperaiq.com
    review
  15. Payhawk Financial Services mentions . company registrytopimones.lt
    news
  16. Navan blog: optimizing T&E with credit cardsnavan.com
    news