Finally vs. Ramp Comparison


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		Related Products Xero Save 80% for 4 months on Xero's award-winning accounting and online bookkeeping platform for businesses of all sizes and stages of growth. Beautifully simple, Xero covers a wide range of features that help businesses manage their finances effortlessly, including invoicing, inventory, bank connections, payroll, reporting and more. Xero also offers users free online support 24/7. Xero offers a robust ecosystem of connected apps and integrations with banks and financial institutions, enabling small businesses to access a wide range of solutions within Xero's open platform to streamline operations and manage finances. Additionally, accounting and bookkeeping firms benefit from efficient compliance tools, advanced practice management software, and a cloud-based unified accounting ledger for all clients, centralized in one place. 6,132 Ratings Visit Website Sage Intacct Sage Intacct is a premier cloud-based financial management software designed for growing businesses. It offers comprehensive features including core financials, accounts payable and receivable, cash management, and multi-entity consolidations. Sage Intacct's advanced modules cater to complex financial needs, ensuring scalability as your business grows. The software integrates seamlessly with other business applications, providing real-time financial and operational insights. Its user-friendly interface and customizable dashboards empower your team to adapt quickly and make data-driven decisions. Sage Intacct's robust reporting capabilities and automation of key financial processes help improve accuracy, efficiency, and compliance. Trusted by thousands of organizations, Sage Intacct streamlines financial operations, enhances visibility, and drives business growth. With award-winning customer support and continuous innovation, Sage Intacct is your partner. 8,791 Ratings Visit Website Paylocity Paylocity delivers the most innovative technology bringing HR, payroll, and IT together in one modern, easy-to-use platform to empower teams, simplify processes, and deliver real results. The platform enables businesses to manage payroll, benefits, employee engagement, and other core HR functions while also managing non-payroll spend, including expenses, account payable, corporate cards, procurement, and headcount planning. Paylocity's integrated platform includes mobile access, workflow automation, seamless third-party integrations, and real-time insights that help businesses manage employees and business operations more effectively. Paylocity also provides dedicated customer support, implementation services, and scalable solutions designed to meet the needs of growing businesses and enterprise organizations. 8,260 Ratings Visit Website Rippling Streamline your business with Rippling’s all-in-one platform for HR, IT, payroll, and spend management. Effortlessly manage the entire employee lifecycle, from hiring to benefits administration. Automate HR tasks, ensure compliance, and streamline approvals. Simplify IT with device management, software access, and compliance monitoring, all from one dashboard. Enjoy timely payroll, real-time financial visibility, and dynamic spend policies. Rippling empowers your business to save time, reduce costs, and enhance efficiency, allowing you to focus on growth. Experience the power of unified management with Rippling today. 21,038 Ratings Visit Website Hubstaff Hubstaff is a time tracking software that helps teams log hours, monitor productivity, and automate payments — whether remote, hybrid, in-office, or field-based. Available on desktop, web, and mobile, Hubstaff enables employees to track time against specific tasks and projects from anywhere. Managers get built-in visibility through app and URL usage data, activity rates, and optional screenshots — all configurable by user role. Designed for global, growing and distributed teams, Hubstaff includes built-in productivity monitoring and workforce analytics to help businesses analyze how time is spent, identify inefficiencies, and improve performance — without micromanagement. 3,996 Ratings Visit Website Melio Melio is an accounts payable tool built to simplify bill payments, boost workflow efficiency, and optimize cash flow for businesses of all sizes. To get started, try all of Melio's features free for 30 days! Pay vendors online through bank transfers or credit/debit cards, even if they typically accept checks—Melio manages the manual work for you. Effortlessly integrate with QuickBooks and Xero to ensure your financial records stay current. With Melio, pay by bank transfer or card to extend cash flow and earn rewards. Adding vendor or bill details is a breeze—input them manually, upload files, or take a photo of invoices. Schedule payments to align with your cash flow, and let Melio handle the rest. International vendor payments are made easy by paying in their local currency for products and services your business needs. The Melio mobile app, available for iOS and Android, lets you monitor and manage payments anytime, giving you full control over your finances on the go. 2,212 Ratings Visit Website Native Teams Native Teams is a global employment platform that helps businesses hire, onboard, pay, and manage employees and contractors across 95+ countries. Trusted by 3,000+ businesses worldwide, Native Teams brings employment, payroll, payments, and compliance into one platform, helping companies scale internationally without setting up local entities themselves. Our key services include: Employer of Record (EOR): Hire employees internationally through Native Teams, with contracts, payroll, taxes, benefits, and local compliance managed on your behalf. Global Payroll: Manage compliant payroll across multiple countries through one platform. Gig Pay: Pay gig workers quickly, securely, and across borders. Contractor Pay: Simplify multi-currency contractor payments, invoicing, and compliant administration. Contractor of Record: Manage contractor contracts and legal obligations while reducing misclassification and compliance risk. Entity Management: Support for legal entity setup and ongoing administration and compliance in international markets. Relocation Services: Support with work permits and visas, available alongside EOR services. 633 Ratings Visit Website SurePayroll SurePayroll has been a leading provider of online payroll services to small businesses nationwide for over 20 years. As the first SaaS payroll company, SurePayroll has grown to become a household name in easy to use payroll, workers' compensation, 401(k) plans, and health insurance services, all backed by an award-winning, U.S.-based customer care team. Most recently, SurePayroll added HR services to its portfolio of solutions. By offering the additional flexibility of private-label and co-branded solutions, SurePayroll serves as a trusted partner to a diverse range of businesses and trusted advisors, including financial institutions and accountants. 845 Ratings Visit Website Invoice Home Choose from hundreds of beautiful invoice templates to create and send custom invoices. Add a professional touch to your invoices by uploading your business logo. Add a personal touch with your own signature. Keep track of invoices on both desktop and mobile devices. Get paid instantly when using one of the supported payment gateways. Go green and avoid printing invoices on paper by emailing them directly to your customers. Creating an account is free and there is no cost for invoicing a combined total of $1000 worth of invoices every 30 days. Sign up today and start invoicing easier with Invoice Home. 5,713 Ratings Visit Website Wallester Wallester is an Estonian-licensed financial institution and official Visa partner since 2018, specialising in digital financial solutions and card issuance. We help companies across the EEA and the UK streamline payments, launch branded cards, and scale efficiently. What we do: 1️⃣ White-Label Solution with Embedded Finance Our White-Label solution lets businesses integrate financial services directly into their platforms—known as embedded finance. This enables branded payment cards tailored to specific needs, improving customer experience and opening new revenue streams. We ensure swift time-to-market with simplified integration and dedicated support. 2️⃣ Wallester Business: Corporate Expense Management Wallester Business modernises corporate expense management with instant access to virtual and physical Visa cards. Through our app and portal, companies can track expenses, analyse budgets, and integrate seamlessly with accounting systems for better financial control. 277 Ratings Visit Website
About Finally is your all-in-one accounting solution, combining intelligent AI powered software with expert support to manage your business finances effortlessly. Designed for small and medium-sized businesses, Finally offer solutions for bookkeeping, taxes, payroll, expense tracking, and corporate credit cards, along with expert support to help you stay on top of your finances. We take the hassle out of financial management, keeping you organized, saving you time, and helping you avoid costly IRS penalties. With Finally, you get both the tools and the service you need to focus on growing your business with confidence.	About Ramp is a finance operations platform that automates the full spend lifecycle, from corporate cards and expense management to accounts payable, procurement, travel, and business banking. Corporate cards come with built-in spend controls, merchant blocking, and policy enforcement at the point of purchase. On the expense side, automated policy reviews handle transaction matching, receipt collection, and accounting field coding without manual intervention. Ramp Bill Pay processes invoices with near-perfect OCR accuracy, with support for ACH, same-day ACH, check, wire, and card payments globally. Procurement compresses intake-to-approval cycles with AI-parsed contracts, parallel routing across finance, IT, legal, and security, and vendor benchmarking against anonymized spend data from thousands of businesses. Travel enforces policy at booking, supports dynamic per diems, and automatically rebooks hotels when prices drop. Ramp Treasury lets businesses earn yield on idle cash through.
Platforms Supported Windows Supported Mac Supported Linux Supported Cloud Supported On-Premises Not Supported iPhone Supported iPad Supported Android Supported Chromebook Supported	Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Not Supported iPad Not Supported Android Not Supported Chromebook Not Supported
Audience Designed for small and medium-sized businesses, Finally offer solutions for bookkeeping, taxes, payroll, expense tracking, corporate credit cards, and more to help you stay on top of your finances without juggling multiple tools.	Audience For SMEs looking for a spend management and reimbursement solution
Support Phone Support Supported 24/7 Live Support Not Supported Online Supported	Support Phone Support Supported 24/7 Live Support Not Supported Online Not Supported
API Offers API Supported	API Offers API Not Supported
Screenshots and Videos View more images or videos	Screenshots and Videos View more images or videos
Pricing $299 per month Free Version Not Supported Free Trial Not Supported	Pricing No information available. Free Version Supported Free Trial Supported
Reviews/Ratings Overall 1.0 / 5 ease 1.0 / 5 features 1.3 / 5 design 1.3 / 5 support 1.2 / 5 Read all reviews	Reviews/Ratings Overall 5.0 / 5 ease 5.0 / 5 features 5.0 / 5 design 5.0 / 5 support 5.0 / 5 Read all reviews
Pros & Cons from Real Users Pros Good sales team, that's for sure. There is nothing positive about finally unless you like spending money on a possible scam or complete incompetence. Nothing to like. The sales process was believable and the salesperson was trustworthy. His name was Jack and I think he truly believed in what he was selling. NOT ONE SINGLE THING! Everything about this company is a literal DISASTER and I could not fire them fast enough!!! Cons I cannot begin to describe the level of frustration (or expense) that we have experienced in the last year. The accountants don't ask questions & don't shut up & listen long enough for us to complete a sentence anyway. Email questions or concerns go largely unanswered but rest assured they'll pull the payments for their 12 month contract shamelessly. Absolutely the Worst Bookkeeping Experience I've Ever Had Working with Finally Bookkeeping was a complete nightmare from start to finish. I paid for services like reconciling and invoicing, none of which were ever completed. Scheduling a meeting was nearly impossible, and on the rare occasion I did manage to book one, they would cancel last minute and then follow up with a suspicious email trail that made it look like I had canceled. Unbelievably unprofessional. At one point, they told me my general ledger was incorrect, then asked me if I knew why, without providing any details. They miscategorized taxes paid as personal income, which is a major and avoidable error. When I asked them to pull a simple report, they told me I should contact my former bookkeeper instead. Completely unacceptable. For five months, they repeatedly asked me to submit the same reports. I complied every time, and every month they acted like it was the first time they'd asked. When I questioned whether I was submitting them incorrectly, I got no response. During onboarding, I watched them access all my accounts, yet every time I asked why something wasn't done, they claimed they didn't have access. I went through the entire process of granting permissions again, only to be told again that they didn’t have access. Whether this was incompetence or a scam, I can't say. But it was hands down the worst, most frustrating, and most unproductive experience I’ve ever had with a bookkeeping service. This is only a handful of examples of completely unprofessional and unacceptable practices. Save your time, money, and sanity. Look elsewhere. For 6 months they pulled $250 off my card! For 6 months they made me upload statements. For 6 months, I didn't hear a peep out of them. After 6 months, I wanted out. They beat around the bush getting back to me. Them my reps excuse was she was sick. Everything else. My experience was a complete disaster. EVERYTHING!!! NO communication, couldn't correctly categorize transactions, didn't handle one single thing for filing taxes, made us late to file and will cost us exorbitant late fees, took MONTHS for the first email about ANYTHING regarding our accounting, they take weeks to reply to an email but STILL don't answer questions, all they care about is their MONEY.	Pros & Cons from Real Users Pros This software is everything wrapped up in one. Credit card, bill pay, expense reimbursement, and more all in one, and all free! Cons The eligibility requirement of $75k in cash is limiting for some of my smaller nonprofit clients.
Training Documentation Supported Webinars Not Supported Live Online Supported In Person Not Supported	Training Documentation Supported Webinars Supported Live Online Supported In Person Supported
Company Information Finally Founded: 2018 United States www.finally.com	Company Information Ramp Financial Founded: 2019 United States www.ramp.com
Alternatives FINSYNC	Alternatives Rippling
Airbase Paylocity	FISPAN
Xero	Traild
Sage Intacct	Airbase Paylocity
Divvy View All	BILL View All
Categories Accounting Supported Billing and Invoicing Supported Bookkeeping Supported Corporate Card Management Supported Expense Report Supported Payroll Supported	Categories Accounts Payable Supported Ramp provides a unified finance platform that automates accounts payable for global enterprises, replacing disconnected legacy tools with a single, AI-powered system. The platform streamlines the entire intake-to-pay lifecycle, allowing finance teams to process bills in seconds while enforcing custom approval flows and spend policies automatically. With deep integrations into major ERPs like NetSuite and Sage Intacct, Ramp ensures real-time financial accuracy and accelerates the month-end close. Enterprises benefit from a scalable solution that manages corporate cards, bill payments, and global reimbursements across 195 countries, all while providing comprehensive visibility into corporate spend. AP Automation Supported Ramp is a finance operations platform that automates the full spend lifecycle, from corporate cards and expense management to accounts payable, procurement, travel, and business banking. Corporate cards come with built-in spend controls, merchant blocking, and policy enforcement at the point of purchase. On the expense side, automated policy reviews handle transaction matching, receipt collection, and accounting field coding without manual intervention. Ramp Bill Pay processes invoices with near-perfect OCR accuracy, with support for ACH, same-day ACH, check, wire, and card payments globally. Procurement compresses intake-to-approval cycles with AI-parsed contracts, parallel routing across finance, IT, legal, and security, and vendor benchmarking against anonymized spend data from thousands of businesses. Travel enforces policy at booking, supports dynamic per diems, and automatically rebooks hotels when prices drop. Ramp Treasury lets businesses earn yield on idle cash. Corporate Card Management Supported Expense Report Supported Spend Management Supported Virtual Credit/Debit Cards Supported
Show More Features Accounting Features Accounts Payable Supported Accounts Receivable Supported Bank Reconciliation Supported Billing & Invoicing Not Supported Cash Management Not Supported CPA Firms Not Supported Cryptocurrency Support Not Supported Expense Tracking Supported Fixed Asset Management Not Supported Fund Accounting Not Supported General Ledger Not Supported Government Not Supported Multi-Currency Not Supported Nonprofits Not Supported Payroll Management Not Supported Project Accounting Not Supported Purchase Orders Not Supported Tax Management Supported Bookkeeping Features Accounts Payable Supported Accounts Receivable Supported Bank Reconciliation Supported Billing & Invoicing Not Supported Cash Management Supported Collections Not Supported Expense Tracking Supported Fixed Asset Management Not Supported General Ledger Supported Payroll Supported Revenue Recognition Supported Spend Management Supported Tax Management Supported	Expense Report Features Approval Process Control Supported Invoice Management Not Supported Multi-Currency Supported Receipt Management Supported Reimbursement Management Not Supported Spend Control Supported Time Tracking Not Supported Workflow Management Supported Show More Features Spend Management Features Approval Workflow Supported Budgeting / Forecasting Supported Expense Tracking Supported Multi-Currency Supported Prepaid Cards Supported Procurement Management Supported Receipt Management Supported Spend Analysis Supported Spend Control Supported Supplier Management Supported
Integrations QuickBooks Online Supported Xero Supported 5X Not Supported Aleph Not Supported Alloy Not Supported Asseta Not Supported Director Not Supported DualEntry Not Supported Empty Spaces Not Supported Euler Not Supported Everest Not Supported Matia Not Supported Nango Not Supported NetSuite Not Supported Rillet Not Supported Sage Intacct Not Supported Sastrify Not Supported Seam AI Not Supported Square Payroll Supported TriNet Not Supported Show More Integrations View All 7 Integrations	Integrations QuickBooks Online Supported Xero Supported 5X Supported Aleph Supported Alloy Supported Asseta Supported Director Supported DualEntry Supported Empty Spaces Supported Euler Supported Everest Supported Matia Supported Nango Supported NetSuite Supported Rillet Supported Sage Intacct Supported Sastrify Supported Seam AI Supported Square Payroll Not Supported TriNet Supported Show More Integrations View All 41 Integrations
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