BILL Accounts Payable vs Ramp AP
BILL Accounts Payable
bill.com
Ramp AP
ramp.comSide by side
| Figure | BILL Accounts Payable | Ramp AP |
|---|---|---|
| Price from | $49/mo | $15/mo |
| Free plan | — | Yes |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 5 | 3 |
| Spec score · Accounts Payable Software | 9.2 (#2) | 9.5 (#1) |
| Accounting integrations | Integrations include QuickBooks, Xero, NetSuite, Intacct, Microsoft Dynamics, Acumatica, Rillet, and more. | Bill Pay syncs with 10 ERPs, including NetSuite, Sage Intacct, and QuickBooks. |
| Approval workflows | Businesses can configure approval workflows with rules, roles, steps, controls, reminders, and tracked status. | Yes |
| Founded | 2006 | 2019 |
| Free plan | No | Yes |
| Integrations | AP and AR provide automatic two-way sync with QuickBooks Online, QuickBooks Pro/Premier, QuickBooks Enterprise, Xero, Oracle NetSuite, Sage Intacct, and Microsoft Dynamics. | Ramp offers 200+ integrations, including accounting, banking, HR and payroll, procurement, productivity, receipt automation, and travel tools. |
| Invoice capture | BILL AI captures key invoice fields with stated 99% accuracy and automatically codes multiline invoices. | Ramp’s OCR captures invoice details with 99% accuracy. |
| Multi-entity support | Yes | Yes |
| Payment execution | Yes | Yes |
| Payment methods | Users can pay vendors by ACH, virtual card, credit card, check, and international wire transfer. | Bill Pay supports ACH, same-day ACH, card, check, domestic wire, and international wire payments. |
| PO matching | BILL automates 2-way and 3-way matching against purchase orders and receipts. | Ramp performs two-way and three-way matching against purchase orders and receipts. |
| PO matching | Yes | Yes |
| Support | All customers have access to the Help Center and a dedicated support team, with live chat, email, or phone support depending on plan. | The pricing page lists 24/7 chat support for Free and 24/7 phone support for Plus and Enterprise. |
| Support channels | All plans include live chat and phone support; Enterprise includes priority support. | Ramp lists chat, email, phone, help center, AI help, priority support, and custom support. |
| Target customers | BILL describes its financial-operations platform as serving small and midsize businesses and accounting firms. | Ramp describes its AP product for small and fast-growing companies, mid-sized finance teams, and multi-entity organizations with complex accounting needs. |
Plans
BILL Accounts Payable
- Essentials$49 a month
- Team$65 a month
- Corporate$89 a month
- EnterprisePriced on request
- BILL Accounts PayablePrice not published
In their own words
BILL Accounts Payable
BILL Accounts Payable automates invoice capture, approval routing, payment processing, and accounting synchronization for accounts payable teams. AI invoice capture and two-way or three-way matching can connect invoices with purchase orders and receipts. Payments can be made by ACH, credit card, check, or international wire transfer, and the product supports paying up to 2,000 bills at a time. Multi-Entity centralizes bill review, approvals, and payments across entities and locations. Accounting connections include automatic two-way sync with QuickBooks products, Xero, Oracle NetSuite, Sage Intacct, and Microsoft Dynamics; CSV import/export and an API platform support custom integrations. AP and AR are paid subscriptions priced per user, starting at $49 a month, and a free trial is listed. The separate Spend & Expense free plan does not cover AP or AR. Some checks, ACH, instant transfers, and international payments incur fees regardless of plan. Mobile apps support Android 7.0 or later and iOS 16 or later, with data and actions synchronized with the desktop application.
Ramp AP
Ramp AP handles invoice capture, approval routing, and vendor payments through an accounts payable workflow. Ramp says its OCR captures invoice details and line items with 99% accuracy. Bills can be routed to configured approvers, and administrators can control who views, approves, or pays them while maintaining separation of duty. Payment options include ACH, same-day ACH, card, check, domestic wire, and international wire. The free Bill Pay tier includes core features without a monthly software fee, but payment charges vary: standard ACH costs $0.59, checks $1.99, same-day ACH $10, domestic wires $15, and SWIFT USD wires $20. Ramp Plus is listed at $15 a month, plus a platform fee based on team size, and offers a free 30-day trial. Ramp AP can operate without Ramp corporate cards or expense management, and vendors need no Ramp account to receive payment. It connects with named accounting tools including QuickBooks Online, Xero, NetSuite, Sage Intacct, Acumatica, and Microsoft Dynamics 365 Business Central. Access is listed for web, Android, iOS, API, and extension; Ramp says it has no native Mac or Windows desktop app.