Ramp AP vs Zahara

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.

Zahara automates accounts payable workflows connecting purchasing, invoices, and payments. Purchase orders can include multi-step authorisation, budget checks, receipting, matching, and audit trails. AI invoice processing reads invoice and line-item data, routes invoices, and includes duplicate prevention and bank account checks. Configurable approval workflows cover purchase orders, invoices, expenses, and supplier payments. Zara, its AI assistant, answers questions about invoices, budgets, and suppliers using live data while respecting permissions. The iOS and Android apps support approvals, purchase orders, delivery receipting, expenses, and mileage claims; web and API access are also listed. Integrations include Xero, Business Central, QuickBooks, Sage products, NetSuite, and MYOB, among others. Zahara runs on Microsoft Azure and lists security controls including two-factor authentication, single sign-on, and encrypted backups created every 15 minutes. Teams starts at £159 a month, with up to 10 users, 120 purchase orders per month, and 250 AI-read invoices.