# Ramp vs BILL (Bill.com) **URL:** https://payablesbrief.com/compare/ramp-vs-bill-com/ **Published:** 2026-10-04 **Modified:** 2026-10-04 **Author:** Payables Brief desk > Ramp vs BILL compared on cost per invoice at three volumes, card payment fees, plans and ERP fit for NetSuite, Sage Intacct, Dynamics 365 and more. --- Comparison # Ramp vs BILL (Bill.com) Ramp vs BILL compared on cost per invoice at three volumes, card payment fees, plans and ERP fit for NetSuite, Sage Intacct, Dynamics 365 and more. [Payables Brief desk](https://payablesbrief.com/about/) Updated 4 October 2026 [Some vendors pay us to verify and carry their pricing. Payment never changes a cost figure, a rank or a verdict.](https://payablesbrief.com/how-we-make-money/) In brief - Ramp's published cost per invoice holds at $1.60 at every volume; BILL starts at $1.70 and settles to $1.64. - BILL publishes a 2.9 percent card payment fee; Ramp's fee schedule lists none at all. - Ramp includes QuickBooks and Xero sync on every plan, including Free; BILL requires its Team plan. - NetSuite, Sage Intacct and Dynamics 365 are gated to a higher plan on both vendors. - Ramp carries a 4.8 G2 rating across its whole platform; BILL carries 4.4 specifically for AP and AR. **Ramp and BILL (Bill.com) side by side** | | [Ramp](https://payablesbrief.com/cost/ramp/) | [BILL (Bill.com)](https://payablesbrief.com/cost/bill-com/) | | --- | --- | --- | | Pricing | Published pricing | Published pricing | | Pricing model | Per-user monthly plans including a free plan, plus published Bill Pay fees per payment; several fees are waived when paid from a Ramp checking account | Per-user monthly plans, plus a published fee for each payment sent | | Monthly cost at 1,000 invoices | $1,600.43 ($1.60 per invoice) | $1,698 ($1.70 per invoice) | | Monthly cost at 5,000 invoices | $8,002.17 ($1.60 per invoice) | $8,196 ($1.64 per invoice) | | Monthly cost at 25,000 invoices | $40,010.87 ($1.60 per invoice) | $40,980 ($1.64 per invoice) | | NetSuite | Some plans: Plus and Enterprise | Some plans: Enterprise plan only | | Sage Intacct | Some plans: Plus and Enterprise | Some plans: Enterprise plan only | | Dynamics 365 | Some plans: Business Central on Plus; Finance and Operations on Enterprise | Some plans: Enterprise plan only | | QuickBooks | Integrates: All plans, including Free | Some plans: Automatic sync on Team, Corporate and Enterprise; CSV import and export on Essentials | | Xero | Integrates: All plans, including Free | Some plans: Automatic sync on Team, Corporate and Enterprise; CSV import and export on Essentials | | SAP | No credit | No credit | | Who it is for | Free plan for smaller teams; Plus for teams that want more automation; Enterprise for full customization | Small and midsize businesses on Essentials, Team and Corporate; multi-entity finance teams on Enterprise | | G2 rating | 4.8/5 from 2,536 reviews | 4.4/5 from 1,812 reviews | Each figure is a monthly cost worked out from the prices on the vendor's own site, using the volume, user and payment assumptions in the [pricing methodology](https://payablesbrief.com/methodology/#assumptions). Implementation fees, unpublished connector fees and negotiated discounts are not included. Prices as of 4 October 2026. ## Cost per invoice Ramp’s published fee schedule works out to $1.60 per invoice at 1,000, 5,000 and 25,000 invoices a month, since its $0 Free plan and its flat per-transaction payment fees do not change with scale under this site’s assumptions. BILL starts higher, at $1.70 per invoice at 1,000 invoices a month, then drops to $1.64 at both 5,000 and 25,000, because its $49-a-user Essentials plan spreads across more invoices once the team runs a larger volume. Full detail on both figures, including every line item, is on the [Ramp cost record](https://payablesbrief.com/cost/ramp/) and the [BILL cost record](https://payablesbrief.com/cost/bill-com/). ## Card payments BILL publishes a 2.9 percent fee on card payments, the same cost basis it uses for every other payment method on its pricing page. Ramp’s own Bill Pay fee schedule lists no card payment fee anywhere, which is a gap in what Ramp discloses rather than a free option, and the [pricing methodology](https://payablesbrief.com/methodology/) treats it that way rather than showing it as zero. ## Plans Ramp sells three tiers: Free, Plus at $15 a user a month plus an undisclosed platform fee, and a custom Enterprise plan. BILL sells five: Essentials at $49 a user a month through Corporate at $89, a custom Enterprise plan, and a separate accountant wholesale plan. Ramp’s Free plan carries no published user-count or invoice-volume cap, which is why this site keeps it as Ramp’s priced plan at every volume tier rather than assuming an upgrade; the [cost per invoice calculator](https://payablesbrief.com/calculator/) lets you test what a Plus-plan platform fee would do to that number. ## ERP fit Both vendors hold NetSuite, Sage Intacct and Dynamics 365 Business Central behind a plan upgrade: Ramp’s Plus tier, BILL’s Enterprise tier. A team that already needs [NetSuite](https://payablesbrief.com/erp/netsuite/), [Sage Intacct](https://payablesbrief.com/erp/sage-intacct/) or [Dynamics 365](https://payablesbrief.com/erp/dynamics-365/) pays a plan upgrade either way. QuickBooks and Xero are where the two vendors actually differ. Ramp syncs both [QuickBooks](https://payablesbrief.com/erp/quickbooks/) and [Xero](https://payablesbrief.com/erp/xero/) on every plan including Free, while BILL gives full two-way sync only from its Team plan up and leaves Essentials with manual CSV import and export. ## Who should pick which A small team on QuickBooks or Xero that wants the lowest published cost per invoice, and does not yet need a card payment fee, gets more from Ramp’s entry plan. A team that already runs on NetSuite, Sage Intacct or Dynamics 365, or wants a published card payment rate rather than an undisclosed one, is better served starting from BILL’s plan table. Teams that want a wider field before deciding can check [alternatives to Ramp](https://payablesbrief.com/best/ramp-alternatives/), [alternatives to BILL](https://payablesbrief.com/best/bill-com-alternatives/), or the [full ranking of AP automation software](https://payablesbrief.com/best/ap-automation-software/). ## Frequently asked questions - Is Ramp or BILL cheaper? Ramp's published cost per invoice is $1.60 at every volume this site tracks. BILL is $1.70 per invoice at 1,000 invoices a month and $1.64 at 5,000 and 25,000. - Does Ramp charge a card payment fee? Ramp's own fee schedule lists no card payment fee for Bill Pay, a gap in its disclosure rather than a free option. BILL publishes a 2.9 percent card fee. - Which ERPs does Ramp support that BILL does not? None outright. Ramp and BILL both connect to NetSuite, Sage Intacct and Dynamics 365 only from a higher plan. The real difference is QuickBooks and Xero, which Ramp syncs on every plan including Free and BILL syncs fully only from its Team plan up.