Digits vs Ramp Stack
Digits
digits.comRamp Stack
ramp.comSide by side
| Figure | Digits | Ramp Stack |
|---|---|---|
| Price from | $65/mo | — |
| Free plan | — | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| macOS | Yes | — |
| iOS | Yes | — |
| API | Yes | — |
| Plans published | 3 | 0 |
| Spec score · AI Accounting Software | 8.9 (#3) | 6.9 (#27) |
| Audience | Digits markets its platform to solopreneurs, small businesses, growing companies, startups, and accounting firms. | Stack is built for accounting firms serving clients and finance teams managing their own books. |
| Integrations | Native integrations include Mercury, Ramp, Gusto, BILL, Stripe, Arc, Ignition, Karbon and Reach Reporting, plus more than 12,000 financial institutions through its connections API. | The Stack page names QuickBooks, NetSuite, and Sage Intacct among the systems it can connect to. |
| Product | Digits describes itself as the first AI-native general ledger for business owners and accountants. | Stack is Ramp’s AI operating system for accounting teams that connects to financial systems and completes accounting work for review and approval. |
| Security | Digits states that it is SOC 2 Type II compliant and uses revocable API tokens, TLS, and per-secret authenticated envelope encryption. | Ramp says Stack uses infrastructure designed with SOC 2 controls and encrypts data in transit and at rest. |
Plans
In their own words
Digits
Digits is a cloud general ledger for business owners and accountants, combining automated books, month-end close, bill pay, invoicing, and real-time financials. Its AI bookkeeping categorizes transactions, flags items, and provides smart reviews around the clock. The platform supports cash and accrual accounting, journal entry and reconciliation automation, close task management, multi-entity support, and an audit trail. Digits Connect links with more than 12,000 financial institutions, and native integrations include Mercury, Ramp, Gusto, BILL, Stripe, Arc, Ignition, Karbon, and Reach Reporting. Bill Pay uses OCR to extract invoice details and supports vendor payments by ACH or check. A Developer API and MCP server can connect the ledger to tools such as ChatGPT and Claude. Digits offers web and API access plus native iPhone and iPad apps. It states that it is SOC 2 Type II compliant and uses revocable API tokens, TLS, and per-secret authenticated envelope encryption. The service is currently limited to U.S.-based businesses using U.S. financial institutions and supports USD only. Essentials costs $65 a month, and a 30-day trial is available.
Ramp Stack
Ramp Stack is a web-based AI operating system for accounting teams. It prepares accounting work for review and approval, with preloaded skills for reconciliations, journal entries, variance analysis, schedules, and accruals. Stack connects with QuickBooks, NetSuite, Sage Intacct, and spreadsheets, and can learn preferences such as project-based spending, deferred revenue recognition, and custom vendor rules. Teams can inspect work and its sources, set guardrails, and approve items requiring judgment before posting. A Session Audit Log records sources, actions, and outputs. Ramp says skills, processes, and client data are not shared with other firms or used to train its models, while model-provider contracts include zero data retention. The service is designed with SOC 2 controls and encrypts data in transit and at rest. Stack supports QuickBooks Online businesses with straightforward bookkeeping, but not QuickBooks Desktop or multi-currency workflows. Pricing is available on request.