--- title: "Compare Wave vs Ramp 2026 | Capterra" description: "Unsure of what to choose? Check Capterra to compare Wave and Ramp based on pricing, features, product details, and verified reviews." source_url: "https://www.capterra.com/compare/178021-207081/Wave-Apps-vs-Ramp" page_type: "comparison" language: "en" --- # Wave vs Ramp Features and Cost Comparison Last updated September 16th, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/) Your comparison: WaveRamp2/4 selected [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.4 (1,730)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) [Ramp](https://www.capterra.com/p/207081/Ramp/)[4.9 (222)](https://www.capterra.com/p/207081/Ramp/reviews/) [## Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.4 (1,730)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) Starting Price $19.00/month Value-for-Money 4.6 Functionality 4.2 Ease of Use 4.5 Customer Service 4 Reviews Sentiment Based on [1,730 reviews](#user-reviews) Positive 1,511 Neutral 107 Negative 112 [## Ramp](https://www.capterra.com/p/207081/Ramp/)[4.9 (222)](https://www.capterra.com/p/207081/Ramp/reviews/) Starting Price $15.00/month Value-for-Money 4.8 Functionality 4.8 Ease of Use 4.9 Customer Service 4.6 Reviews Sentiment Based on [222 reviews](#user-reviews) Positive 215 Neutral 5 Negative 2 ## Not a match? 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Fit Score methodology Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about. If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology 80%Fit High performer Feature ratings Chart of Accounts 4.5 Data Security 4.3 Bank Reconciliation 4.3 Billing & Invoicing 4.6 Accounts Receivable 4.5 \--%Fit Missing features Not enough reviews Feature ratings Chart of Accounts NA Data Security NA Bank Reconciliation 4.9 Billing & Invoicing 4.8 Accounts Receivable 5.0 User satisfaction User satisfaction 4.4 User reviews[1,730](https://www.capterra.com/p/178021/Wave-Apps/reviews/) Ease of use 4.5 Functionality 4.2 Value for money 4.6 Customer support 4.0 User satisfaction 4.9 User reviews[222](https://www.capterra.com/p/207081/Ramp/reviews/) Ease of use 4.9 Functionality 4.8 Value for money 4.8 Customer support 4.6 Price starts from Price starts from $19Flat Rate, Per Month - Free version - Free trial Price starts from $15Per User, Per Month - Free version - Free trial Best for Best for Wave helps small business owners, freelancers, solopreneurs, and consultants in the US and Canada manage accounting, payroll, invoicing, estimating and other processes. Best for Finance and accounting teams at mid-sized companies across all industries who want a better way to track and control spend, reimburse employees and match receipts, and speed up accounting processes. ## User reviews Pros & cons Amber M. Owner > "The option to create recurring invoices has been amazing, as well as the reports I can pull at the end of each year." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7117842) EK Emir K. Principal > "My customer paid through Wave by ACH/bank payment, and the funds were withdrawn from the customer, but Wave did not release the..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7175388) Ron W. Property Management, Development and Investment > "Love the free version but it’s super basic and limited but upgrading to paid version is very expensive when using it for more than 1..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7057865) KW Kristyne W. Travel Advisor > "I tried to set up a way to send invoices and receive payments through Wave, but even after I was approved, they removed my access due..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7100967) CB Craig B. Owner > "Uptime and use are great - I have a few low volume clients and non-profits that cannot afford the other packages - now they are..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7146548) ML Melissa L. Admin siding installer > "A major pain point for users is the lack of robust, live customer support for free users, who are generally limited to an online help..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7032951) JM Jolly M. Data Associate > "Wave has the visibility and control needed across accounts payable, global payments, procurement and employee expenses to run..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6602890) BT Brianna T. Editor > "They messed up our tax reporting and left us with outstanding taxes due." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7163455) KC Kimberly C. Administrative Consultant > "I did like that there is a free option available. If you are just starting out as a new business owner and want to get your..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7070138) EK Emir K. Principal > "I would never use Wave again under any circumstances, and I strongly recommend that other businesses look for other invoicing and..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7175388) MHE Michael Herbert E. Furniture Salesperson > "It is like a piece of cake, the creation of invoices is very fast and the bank sync functionality works well to connect automatically..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6728053) ZD Zeah D. CPA, Owner > "The transaction screen and recording process with it listing everything in the main screen, is sometimes hard to track, especially if..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6626409) Salina T. Owner > "It was very quick to connect my banking unlike with Quickbooks which took a couple of days, Wave only took a few minutes to verify my..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7180682) EK Emir K. Principal > "Based on my experience, I would not recommend Wave Payments to any business that depends on timely access to customer payments." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7175388) PM Pauline M. Owner - Manager > "The automation with sync banking and categorizing expenses and income is vey useful for identifying balancing books keeping your..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6863968) AG Ana G. CEO > "It can become cumbersome to manage service inventory, having to create new 'products' for each custom service to then sift through." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6665440) PS Perry S. Property Manager > "I'm able to use their free tier to reconcile my accounts, automatically import transactions, send professional invoices, and produce..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6562834) VR Verified Reviewer Engineer > "Payment processing fees are a bit high, and customer support is limited if you don't pay for a plan." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7076148) FCY Fu-Chieh Y. Email Developer > "I particularly appreciate the extensive customization options available for documents like invoices, allowing them to appear both..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6592682) NC Nilsa C. Music Therapist, Owner > "This slows me down when I'm invoicing or reconciling accounts." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7155987) CB Craig B. Owner > "Accounting software is free - great for small (micro) businesses just starting out or that only have low volume of transactions." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7146548) NB Nick B. President > "Excellent for almost two years until doing my taxes this year and lost the ability to export transactions without upgrading my plan." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7088399) SA Suman A. Owner,Bookkeeper,TAxPreparer > "Reliable and cost-effective for invoicing, expense tracking, and bank reconciliation." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7161951) BT Brianna T. Editor > "Wave underwent a merger/acquisition over the summer in 2025 that completely ruined their operations." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7163455) JC Josh C. Co-Owner > "The invoices and auto invoices work quite well and look nice and it is easy for my customers to pay." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7130051) Ron W. Property Management, Development and Investment > "Lack of connectivity ability to import Banks & Credit Cards transctions" [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7057865) NC Nilsa C. Music Therapist, Owner > "What I like most about wave is how it's helped me organize my sole-proprietor finances without costing me anything." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7155987) PS Perry S. Property Manager > "Second, I've encountered a rounding error within bills that has resulted in my Accounts Payable account being a few cents off even..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6562834) AC Aaron C. Founder and CEO > "It's easy to navigate and makes the quoting, invoicing, and payment processes very streamlined -- while accepting payments from all..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7030509) KS Kathryn S. Coach and Consultant > "Wave's integration with my bank has not always worked effectively, and that has caused some problems." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7102433) CV Criselen V. Owner > "It lets me save customer info and items with their price so that I can easily add it when making a new invoice." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6886239) Ron W. Property Management, Development and Investment > "Poor Value for the money with paid version because each account requires additional pay subscription" [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7057865) TW Tracey W. Bookkeeper > "I do bookkeeping services and this product works well with categorizing income and expenses to generate financials." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6666390) CP C P. President > "Ended up moving to another service because of poor support." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7121842) JL Joseph L. Principal > "Excellent in every way as I have used it for now 3 tax years without complaint from either myself or my accountant who works with..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7140679) PS Perry S. Property Manager > "Finally, most accountants and bookkeepers use QuickBooks and aren't familiar with Wave, so I don't recommend Wave for anyone with an..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6562834) SJ Sarah J. Office Manager > "I also love that you can individual turn on/off payments for each invoice and estimate." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7026186) AR Alec R. Owner > "Spent hundreds of $$ for multiple calls with a help pro who did the work and had me watch but never actually taught me how to do it..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6634637) WEU William E U. Owner > "I have generally had no issues with the program and when I did have one (the only one), the company support was able to resolve the..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7086796) MC Marie C. Executive Director > "Their Payments by Wave function does not always match the payment to the deposit properly." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6739424) AG Alessandro G. Owner, Operator > "Great for bookkeeping, invoicing, credit card payments, and payroll (before the change)." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6862751) SC Sean C. Marketer > "Some things are just weird, like when they hold the funds or do a review without explanation." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7042580) BT Brianna T. Editor > "Wave was a fine and affordable accounting and payroll service that was user-friendly and easy to navigate." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7163455) AG Aaron G. Owner > "However towards the end of 2024 the customer support has disappeared - no response on the live chat and no response via email." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6691975) EO Elvis O. Audit Associate > "The software is also easy to navigate, making accounting tasks like invoicing, tracking expenses, and managing payments relatively..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6599331) Amanda J. Owner > "In the recent past, I've had issue with them processing tax payments on time, and their support has significantly decreased from the..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6782379) WL Whitney L. Owner > "I like the simplicity of the app and the ability to keep track of finances as well as accept ACH payments." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6574695) ZM Zina M. Owner > "As a result of that, they severely limited the features I could use on their product, which left me stranded and search of a new..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6169573) Nathan H. Treasurer > "Wave is a very cheap way for solo entrepreneurs." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7123716) Tim O. Partner > "Wave went silent for weeks, only resolve was to email the company and those went unanswered. " [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7108329) CP C P. President > "The invoicing and payment acceptance is good." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7121842) HM Heather M. Therapist > "Their AI tool is alright but makes mistakes. When you use their native Checkouts tool for collecting payments, they are categorized..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6467656) SD Sienna D. Massage Therapist > "It worked well for me for the couple years that I used it, but once they started charging for things I originally had access to, I..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6688373) NB Nick B. President > "I wouldn’t recommend Wave anymore unless you’re prepared to pay just to retrieve your own data." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7088399) SK Sheila K. Admin > "What I liked about wave the most would be the pricing, it seemed I could easily figure things out." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7154231) AR Austin R. director > "They lied and mislead people into believing their products work across all banks and they don't." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6786484) PH Paul H. Owner, Electrician > "It's very easily customizable with your logo and information, and the invoices look sharp, clean & professional, with multiple..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___5064893) JM Jolly M. Data Associate > "It is also disappointing that some banks are not fully implementable on the software." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6602890) DO Donald O. Executive Technical Director > "Wave has robust features that enables me to eradicate manual processes during data entry in various aspects such as bank..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6390842) AF Alice F. Property Maintenance > "Unfortunately we only use this app for invoicing and not expenses due to the fact that scanning receipts is not yet available in the..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___5039189) Amber M. Owner > "The customer support has always been helpful when I've needed it." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7117842) EK Emir K. Principal > "This is unacceptable for a small business." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7175388) Amber M. Owner > "It's super affordable and easy to implement, which was a great starting point when I launched my business!" [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7117842) BM Brie M. Operations Director > "Not robust enough for complex accounting situations" [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6624225) DM Dlkhosh M. CEO > "Has Unlimited invoicing with customizable templates and payment terms and dedicated invoicing mobile app." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6131062) JO John O. Finance Officer > "I do not experience challenges with Wave when running accounting projects." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6670711) SK Sheila K. Admin > "The free tools that wave offers is also a very good Plus." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7154231) KC Kelsey C. Accountant > "That there is no customer service phone number to talk to someone." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6724007) JM Jenna M. Operations > "Easy to use and pretty conperhensive for invoicing and tracking." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7113566) NM Noureddine M. Logistic manager > "for the option pay roll it's not available in Quebec" [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6614845) AG Aaron G. Owner > "I have been using Wave since 2021 for multiple businesses, and I used to be a strong advocate for the software when talking to other..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6691975) PS Perry S. Property Manager > "I have encountered two notable bugs within their software." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6562834) JC Jamie C. CEO > "Wave provides a cost-effective and efficient platform that simplifies accounting." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6794390) NK Naveed K. Managing Principal > "Accounting was a problem." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7031220) HG Hylda G. CEO > "As a sole proprietor, I do like that it has a free option to keep my overhead costs manageable." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6581819) DG Dana G. Brand Designer > "Features on the free plan are extremely limited" [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6698919) SA Suman A. Owner,Bookkeeper,TAxPreparer > "Great value for small businesses." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7161951) HM Heather M. Therapist > "The process for automatically categorizing payments and income doesn't work as smoothly as it could." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6467656) AG Annie G. Sr. Accountant > "The reporting and dashboard functionality is easy to generate and great to track cash flow." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7019878) HM HELENA M. Owner > "Payables and receivables are regularly be out of balance because of rounding issues due to percentages. " [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6009153) VR Verified Reviewer Operation Control > "I like how it is very user friendly interface. When I first starting learning my job, my trainer didn't have to teach me how to use..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6695057) LE Linden E. Owner and Personal Trainer > "It wasn’t intuitive either." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6467601) VR Verified Reviewer Accounting clerk > "The best part about wave is that it is very budget friendly and the user interface is very easy to use and navigate." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6865626) KO Kathleen O. Owner > "It lacked certain functionality that I needed for my business." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___4557707) AT Ali T. Business Development Manager > "The interface is clean and intuitive overall." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6832344) EK Emma K. Office Manager > "Its extremely annoying that there isn't an easier way to do this, like clicking a button in the website." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#SoftwareAdvice___3012652) EE Eric E. IT Consultant > "It's intuitive, simple, and reliable." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7052088) Ansley S. Owner > "It was a bit overwhelming to start using since there is so much to navigate." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___2438807) JR Jodie R. Bartender > "I liked the fact that it was very easy to use and integrating with other programs was fairly simple." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___4773574) JB Jennifer B. Mobile Notary > "Lack of integrations, lack of customization options. " [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6378492) FD Faith D. Consultant > "It is easy to use and was easy to integrate with my business process." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___4914373) Jonathan D. CEO > "The PayPal integration never truly worked, and it seems they have no plans to ever fix it." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___2938764) VT Veronica T. CSC > "The software is very easy to use and has multiple integrations which is nice if you navigate through a lot of different softwares." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___3444758) CK Chanel K. owner > "I did not give it time to go through and set up and get things going." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6035837) CD Chineke D. Ceo > "So I plunged out into the internet looking for the best software to integrate, and Wave caught my attention the most as compared to..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___2915344) NV Natascia V. Freelance Writer > "It can be very difficult to figure out or explain to someone." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___4635711) Amber M. Owner > "It's super affordable and easy to implement, which was a great starting point when I launched my business!" [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7117842) AG Ana G. CEO > "It can become cumbersome to manage service inventory, having to create new 'products' for each custom service to then sift through." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6665440) PP Perla P. CEO > "I like how easy it is to use and be able to have everything you need in one place" [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6693664) CP C P. President > "Ended up moving to another service because of poor support." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7121842) VR Verified Reviewer Owner > "Once of the easiest programs, I honestly can't find anything to 'complain' about." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6644125) KC Kelsey C. Accountant > "That there is no customer service phone number to talk to someone." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6724007) JrmC Jérôme C. Financial analyst > "Very straight forward and easy to getting to know" [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6544165) JC John C. Managing General Partner > "Over $20K is sitting there, for services I have already rendered, and I cannot collect it." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#SoftwareAdvice___6199195) [View Reviews](https://www.capterra.com/p/178021/Wave-Apps/reviews/) James L. Director of Finance > "They have more logical functions as far as integrations and reporting than their competitors, the speed to vendor payment is..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7061332) VR Verified Reviewer VP Marketing > "Most of what Ramp does is not built into most business banking accounts so it doesn't really provide much that we don't get with..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7180074) Eri D. Founder > "Cards were issued and the spend limits were established on the very first day, and all employees quickly managed to navigate..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7151928) SK Sarah K. People Ops Manager > "Previously, we were issuing physical credit cards from our bank, which made it challenging to get those back or enforce approvals..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6858392) Eri D. Founder > "Regarding security concerns, I find granular control over the card settings useful as it helps to prevent mistakes in advance." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7151928) SW Stacey W. Accounting Manager > "The user account details and permissions were the one confusing part we ran into with setup." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7027334) Eri D. Founder > "Overall, it offers good value in terms of costs compared to the combination of apps it substitutes." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7151928) CE Charles E. Vice President, Equipment Analytics > "It is not fully integrated into our SAP system requiring additional work on our end to transfer work order numbers and service..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019216) EH Erin H. COO > "Our team is geographically dispersed, but Ramp makes it easy to collaborate on bookkeeping, expense reimbursements, and basic..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6762863) Enrique A. Vice President, Human Resources & Administration > "One challenge we've had is that card authorizations (or merchant holds) take a long time to drop off; and before they do, the..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___5091441) Pankaj P. Finance Manager > "It helps in bill and spend management, Expenses management, Travel Management etc." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6658194) HC Harrison C. CEO > "There were lots of antiquated offerings, but nothing that met the needs of a 21st Century scaling business." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6818715) Hillel G. Director of Implementation > "Receipt management and physical card management is very nice to have for employees as well as making virtual cards." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6881841) MS Michelle S. Developer > "Nothing - I think it can be a bit confusing when you are first introduced to the app so I can see it being difficult to learn for..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6826033) LH Lucien H. VP of GTM > "Ramp is a must have tool for a fast growing startup like ours. Since we implemented Ramp, we have drastically improved our..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6290878) JH Janice H. Reporter > "I also don't like the system's feature of "deleting" receipts that are photographed and submitted right after a restaurant makes..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6046800) SK Sarah K. People Ops Manager > "Additionally, the receipt submission flow makes it easy for purchases to get reviewed and approved as needed." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6858392) SS Sherry S. Corp. Secretary > "Difficulty maneuvering through payment options by having to upload a corresponding billing and not being able to modify a billing..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6045656) JF Jill F. Assistant Project Manager > "The platform is incredibly easy to use, and you quickly grasp all the important functions and processes." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7187828) ET Eric T. Director, Digital Transformation > "The most recent update to the website has overcomplicated the end user experience." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6832748) KS Kenny S. Executive Pastor > "Our users love the ability to submit all required documentation from their phones and administrators love the ability to review..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026867) CS Cristiano S. prompt engineer > "Only had one issue with google wallet, where the max expense was capped at 400$, not sure why, but using the physical card lifted..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6046743) ES Elizabeth S. Administrative Assistant > "It helps with organization and ability to have all purchases approved." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6627838) Ashley B. Owner > "Customer support isn't that great though." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7092996) TW Tyler W. Online campus pastor > "As someone who’s job relies heavily on building relationships and networking the ease of being able to take someone to coffee or..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6035063) MS Michelle S. Director of HR and Training > "End users do not have the ability to create their own virtual cards to help protect online purchases" [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6034912) Rebecca B. AVP > "I also appreciate the ability to set up rules for tagging the expenses so there's less to fill out each time. And we actually..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6046922) CR Chervonne R. Bookkeeper Office Manager > "ALSO, the latest update is not ideal with moving items that are ready to process to different tabs." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019266) WL Whitney L. Owner > "I like the option it gives for corporate cards and spending." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6546687) JH Jason H. Rehab Resource Support > "I had an issue with the app not allowing multiple expense splits but was unable to get customer support to assist." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6035173) VR Verified Reviewer Business Development Associate > "I also like that Ramp quickly attaches my receipts to credit card expenses without me having to individually do it for each..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026693) AZ Anna Z. Global Controller > "Not being able to enter banking instructions under out of pocket reimbursements on behalf of the employees." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026720) James L. Director of Finance > "I am very satisfied with how we are using it to pay vendors." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7061332) CB Carol B. Financial Admin > "We has no assurance that Ramp would protect us and we still don't know how many of these fraudulent charges will be properly..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6227136) RN Robert N. Senior Accountant > "The ability to require receipts and memo's be recording quickly has saved us many administrative hours in hunting down purchases...." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019271) CR Cindy R. COO CFO > "Signing up new employees for cards is confusing as multiple ways to do it. " [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019957) JT Jeana T. Executive Director > "Now it is so easy and I can get them taken of quickly." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7188713) KW Kimberly W. Office Administrator > "The only real negative I've found is the lack of seamless integration with Amazon." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6046958) EH Erin H. COO > "Ramp is easy to use, it integrates well with our internal workflows, and with external systems." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6762863) SS Sonny S. ap > "it was very expensive relative to others" [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6734537) CF Claire F. Lead of Supply Chain > "The UX design is simple and is easy to navigate." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7074928) MR Monica R. Community Care Specialist > "I’ve attempted to FU from within the app, but it did not message to the receiver." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6035070) TB Tiler B. Office Assisstant > "I love that you can upload and submit receipts from your mobile phone it makes keeping track of expenses much easier." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6338111) MK Murat K. COO > "It took my school to let us use credit cards for years." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026771) NK Nicholas K. Chief Research Officer > "Email and text integration is very helpful for quickly attaching receipts and memos to purchases." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6464335) AT Abraham T. CEO > "Nevertheless, what they didn't disclose during the process is that they do not offer credit and you are required to maintain a..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___4781208) SR Shahab R. Field Analyst > "The ability to text your receipts to Ramp is the feature that you will use all day, every day." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019300) VN V N. VP of Tech > "Annoying to have to reenter the same fields for recurring expenses" [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019220) KC Katherine C. Chief Operations and Finance Officer > "Overall Ramp has been user- friendly and easy to navigate and transition into." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7020365) SS Shelby S. Preparedness Webinar Consultant > "Sometimes the website is a little harder to navigate." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6023393) CW Catherine W. Area Sales Manager > "I like that once I make a purchase using my Ramp card I immediately receive a text message that asked me for description." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026866) PJ Peter J. Controller > "Wish there was a little better way to controll what users spend." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6047281) VR Verified Reviewer Business Development Associate > "I like that Ramp helps me track the mileage I've driven so that I get reimbursed properly." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026693) GM Gabriel M. Accounting Manager > "Cannot fathom how we did things so manually in the past without Ramp." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026641) CR Chervonne R. Bookkeeper Office Manager > "Ramp has truly made life with company card, expense tracking and vendor management and payables!" [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019266) AT Abraham T. CEO > "So the card may stop working at any given time according to the fluctuations of cash flow in your bank account." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___4781208) JV Jeannie V. Operations Manager > "This product make employee expense tracking so easy!" [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6766027) CB Carol B. Financial Admin > "The onboarding was weak to non-existent." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6227136) CC Clair C. Senior Manager of Human Resources > "It worked very well for our needs and ended up being such a timesaver." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6655145) AS Angela S. Dir. of Special Projects > "There isn't a feature I don't like about it." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026657) WS William S. Senior Application Security Engineer > "I use Ramp mostly for tracking expenses related to business travel - it makes this simple and easy." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019242) BG Brian G. Parts Manager > "I do not see the costs in my role" [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019247) JR Jessica R. Project Architect > "The Virtual Ramp Card is great because it accurately sets spending caps, helping employees stick to a spending plan without going..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___4468793) Jenna J. Accounting Specialist > "I don't like that if you start with a virtual card and then decide that you want a physical card, that you have to get an..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___2812026) CC Clair C. Senior Manager of Human Resources > "Super easy interface for both admins and users." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6655145) JM Jessica M. Director of Finance > "Our previous provider was lacking with receipt management, expense categorization, and expediency around card issuance. " [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___2778304) PP Patti P. Controller > "The ease of use, the fact that we can sync multiple times a day, and the way we are able to view the transactions in Sage are all..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019223) JJ Joyce J. Office Manager > "It is NOT a frequent issue." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___3197665) JD Justin D. School Psychologist > "Ramp is an intuitive platform that makes the expense reporting process seamless and efficient. " [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6027053) HC Harrison C. CEO > "There were lots of antiquated offerings, but nothing that met the needs of a 21st Century scaling business." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6818715) CR Chervonne R. Bookkeeper Office Manager > "Ramp is one of my favorites and is easy to set-up or disable users, track vendor expenses, and reimbursements" [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019266) KW Kimberly W. Office Administrator > "The only real negative I've found is the lack of seamless integration with Amazon." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6046958) LH Letitia H. COO > "I also love the multiple digital credit cards with active/non-active controls." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019528) Ashley B. Owner > "Customer support isn't that great though." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7092996) [View Reviews](https://www.capterra.com/p/207081/Ramp/reviews/) ## User interface [Wave](https://www.capterra.com/p/178021/Wave-Apps/) 4.37 (1,730) [Ramp](https://www.capterra.com/p/207081/Ramp/) 4.86 (222) ## Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ### Features Do these products fit your needs? Prioritize real-user-identified key features according to your needs to find your best fit. \--% Fit vs \--% Fit Access Controls/Permissions 207 Important Accounting 150 Important Accounting Integration 120 Important Wave 21/50 - Access Controls/Permissions - Accounting - Accounting Integration - Accounts Payable - Accounts Receivable - ACH Payment Processing - Activity Dashboard - Activity Tracking - AI Copilot - AI/Machine Learning - AP Automation - API - Approval Process Control - AR Automation - Audit Management - Audit Trail - Automatic Billing - Autonomous Task Execution - Bank Reconciliation - Billing & Invoicing - Bills of Material - Breadth of Partner Applications - Budgeting/Forecasting - Budget Tracking - Cash Flow Analysis - Cash Flow Management - Cash Management - Categorization/Grouping - Chart of Accounts - Check/W-2 Printing - Client Portal - Cloud Integration - Collaboration Tools - Collections Automation - Compliance Management - Compliance Tracking - Cost Tracking - Credit Card Processing - Currency Conversion - Customer Database - Customizable Alerts - Customizable Templates - Customization - Custom Reporting - Data Extraction - Data Import - Data Import and Export Tools - Data Security - Direct Deposit - Document Management [See all features](https://www.capterra.com/p/178021/Wave-Apps/#features) Ramp Top features 22/50 - Access Controls/Permissions - Accounting - Accounting Integration - Accounts Payable - Accounts Receivable - ACH Payment Processing - Activity Dashboard - Activity Tracking - AI Copilot - AI/Machine Learning - AP Automation - API - Approval Process Control - AR Automation - Audit Management - Audit Trail - Automatic Billing - Autonomous Task Execution - Bank Reconciliation - Billing & Invoicing - Bills of Material - Breadth of Partner Applications - Budgeting/Forecasting - Budget Tracking - Cash Flow Analysis - Cash Flow Management - Cash Management - Categorization/Grouping - Chart of Accounts - Check/W-2 Printing - Client Portal - Cloud Integration - Collaboration Tools - Collections Automation - Compliance Management - Compliance Tracking - Cost Tracking - Credit Card Processing - Currency Conversion - Customer Database - Customizable Alerts - Customizable Templates - Customization - Custom Reporting - Data Extraction - Data Import - Data Import and Export Tools - Data Security - Direct Deposit - Document Management [See all features](https://www.capterra.com/p/207081/Ramp/#features) ### Recognition Wave is recognized as a top-rated tool in 5 Capterra Shortlist reports Ramp is recognized as a top-rated tool in 5 Capterra Shortlist reports Best Value Expense Report Software (2024)  ### Deployment & support Wave Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Ramp Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos ### Company Details Wave - By Wave - Located in Canada - Founded in 2009 Ramp - By Ramp Financial - Located in United States - Founded in 2019 ## Popular Comparisons [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.37 (1,730)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,529)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $19/month Price $38/month 4.2 Features 4.3 4.5 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/178021-190778/Wave-Apps-vs-QuickBooks-Online) [Ramp](https://www.capterra.com/p/207081/Ramp/)[4.86 (222)](https://www.capterra.com/p/207081/Ramp/reviews/) vs [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,261)](https://www.capterra.com/p/380/Concur-Expense/reviews/) $15/month Price $7/month 4.8 Features 4.2 4.9 Ease of Use 4.1 [View full comparison](https://www.capterra.com/compare/380-207081/Concur-Expense-vs-Ramp) [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.37 (1,730)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) vs [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,663)](https://www.capterra.com/p/207944/PayPal/reviews/) $19/month Price $0.29 4.2 Features 4.6 4.5 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/178021-207944/Wave-Apps-vs-PayPal) [Ramp](https://www.capterra.com/p/207081/Ramp/)[4.86 (222)](https://www.capterra.com/p/207081/Ramp/reviews/) vs [Expensify](https://www.capterra.com/p/97594/Expensify/)[4.51 (1,368)](https://www.capterra.com/p/97594/Expensify/reviews/) $15/month Price $5/month 4.8 Features 4.4 4.9 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/97594-207081/Expensify-vs-Ramp) [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.37 (1,730)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) vs [Abby](https://www.capterra.com/p/268623/Abby/)[4.75 (604)](https://www.capterra.com/p/268623/Abby/reviews/) $19/month Price €0.01/month 4.2 Features 4.6 4.5 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/178021-268623/Wave-Apps-vs-Abby) [Ramp](https://www.capterra.com/p/207081/Ramp/)[4.86 (222)](https://www.capterra.com/p/207081/Ramp/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,529)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $15/month Price $38/month 4.8 Features 4.3 4.9 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/190778-207081/QuickBooks-Online-vs-Ramp) [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.37 (1,730)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) vs [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,329)](https://www.capterra.com/p/120109/Xero/reviews/) $19/month Price $25/month 4.2 Features 4.3 4.5 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/120109-178021/Xero-vs-Wave-Apps) [Ramp](https://www.capterra.com/p/207081/Ramp/)[4.86 (222)](https://www.capterra.com/p/207081/Ramp/reviews/) vs [webexpenses](https://www.capterra.com/p/140646/webexpenses/)[4.52 (1,105)](https://www.capterra.com/p/140646/webexpenses/reviews/) $15/month Price Contact vendor for pricing 4.8 Features 4.4 4.9 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/140646-207081/webexpenses-vs-Ramp) [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.37 (1,730)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,684)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/) $19/month Price $2210/year 4.2 Features 4.4 4.5 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/174984-178021/QuickBooks-Enterprise-vs-Wave-Apps) [Ramp](https://www.capterra.com/p/207081/Ramp/)[4.86 (222)](https://www.capterra.com/p/207081/Ramp/reviews/) vs [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.62 (1,227)](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) $15/month Price $3/month 4.8 Features 4.5 4.9 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/142384-207081/Zoho-Expense-vs-Ramp) [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.37 (1,730)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.24 (2,073)](https://www.capterra.com/p/135757/NetSuite/reviews/) $19/month Price Contact vendor for pricing 4.2 Features 4.2 4.5 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/135757-178021/NetSuite-vs-Wave-Apps) [Ramp](https://www.capterra.com/p/207081/Ramp/)[4.86 (222)](https://www.capterra.com/p/207081/Ramp/reviews/) vs [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,329)](https://www.capterra.com/p/120109/Xero/reviews/) $15/month Price $25/month 4.8 Features 4.3 4.9 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/120109-207081/Xero-vs-Ramp)