Ramp AP vs xSuite
Ramp AP
ramp.comxSuite
xsuite.comSide by side
| Figure | Ramp AP | xSuite |
|---|---|---|
| Price from | $15/mo | — |
| Free plan | Yes | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Self-hosted | — | Yes |
| Plans published | 3 | 1 |
| Spec score · Accounts Payable Software | 9.5 (#1) | 7.9 (#33) |
| AI agents | AP agents can auto-code invoices, flag suspicious vendor activity, recommend approvals, and identify card-eligible invoices. | Its invoice agents handle matching, verification, workflow routing, fraud detection, and contextual support for AP users. |
| Approval workflows | Yes | Yes |
| Founded | 2019 | 1994 |
| Integrations | Ramp offers 200+ integrations, including accounting, banking, HR and payroll, procurement, productivity, receipt automation, and travel tools. | xSuite offers SAP-embedded and SAP BTP side-by-side integration, and says standardized REST APIs and connectors support multi-ERP landscapes. |
| Invoice capture | Ramp’s OCR captures invoice details with 99% accuracy. | ai |
| Payment execution | Yes | No |
| PO matching | Yes | Yes |
| Support | The pricing page lists 24/7 chat support for Free and 24/7 phone support for Plus and Enterprise. | Support includes a portal for tickets, status, history, priorities, SLAs, remote support, and downloads, with regional support teams and stated service hours. |
| Target customers | Ramp describes its AP product for small and fast-growing companies, mid-sized finance teams, and multi-entity organizations with complex accounting needs. | xSuite says it serves customers from the upper mid-market to global enterprise and focuses on SAP-first finance and procurement processes. |
| What it does | Ramp Bill Pay processes invoices, manages approvals, and pays vendors through an AI-powered accounts payable workflow. | xSuite provides automation for SAP accounts payable, e-invoicing, procurement, order management, and archiving. |
Plans
In their own words
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.