Puzzle vs Ramp Stack
Puzzle
puzzle.ioRamp Stack
ramp.comSide by side
| Figure | Puzzle | Ramp Stack |
|---|---|---|
| Price from | $30/mo | — |
| Free plan | — | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | — |
| Plans published | 12 | 0 |
| Spec score · AI Accounting Software | 8.5 (#10) | 6.9 (#27) |
| Integrations | Supported connections include Stripe, Mercury, Brex, Ramp, Gusto, Rippling, Deel, Central, Bill.com, Plaid and Joiin. | The Stack page names QuickBooks, NetSuite, and Sage Intacct among the systems it can connect to. |
| Notable limits | The pricing page says Core is only available for businesses with up to $10K / mo in expenses when paired with accounting services, and Expert Reviewed is limited to one entity and one accounting basis. | Ramp Help says Stack does not modify existing QuickBooks Online transactions or mark transactions as reconciled in QuickBooks Online. |
| Product | Puzzle describes itself as AI-powered accounting software with a modern general ledger and real-time financials. | Stack is Ramp’s AI operating system for accounting teams that connects to financial systems and completes accounting work for review and approval. |
| Security | Puzzle says its data is encrypted using AES 256-bit encryption and its data integrations are read-only. | Ramp says Stack uses infrastructure designed with SOC 2 controls and encrypts data in transit and at rest. |
| Support | The pricing page lists priority support on Complete and Scale, and dedicated onboarding and support on Scale. | Ramp directs prospective Stack users to speak with a Ramp team member to see how Stack can work for their team. |
Plans
Puzzle
- R&D Study$1.50, paid once
- Starter$30 a month
- Core$72 a month
- Complete$120 a month
- Migration$149, paid once
- Migration add-on$149, paid once
- Core + Expert Reviewed Bookkeeping$171 a month
- Expert Reviewed service$171 a month
- Catch-up bookkeeping$300 a month
- Catch-up bookkeeping add-on$300 a month
In their own words
Puzzle
Puzzle is AI-powered accounting software built around a general ledger and real-time financials. It supports cash and accrual accounting from the same underlying ledger. Puzzle Chat answers business questions in plain English, while Cowork can match invoices to payments and find subscriptions for review. AI agents can categorize transactions, reconcile accounts, and flag exceptions; users can review and edit these actions before financial statements are finalized. The listed integrations include Stripe, Ramp, Brex, Mercury, Gusto, Rippling, Deel, Meow, Causal, Runway, Bill.com, Central, MyRunwayHealth, and Joiin. Puzzle says integrations are read-only, data is encrypted using AES 256-bit encryption, and customers own their data. The company also states it is SOC 2 compliant, with role-based access, encryption in transit and at rest, and audit traceability for user activity and approvals. Puzzle is designed for startups and small and medium businesses, with services described as scaling from pre-seed to Series B. Customers can buy software alone or pair it with bookkeeping services. Starter costs $30 a month; there is no free plan, and a 14-day trial is listed.
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.