Ramp vs Tipalti

Cost per invoice

Ramp’s Free plan costs $0, so its monthly bill is almost entirely payment fees: $0.59 per standard ACH payment, $1.99 per check and $20 per international wire in US dollars. Across this site’s payment mix that comes to $1.60 per invoice at every volume, or about $8,002 a month at 5,000 invoices. Ramp waives several of these fees when the payment goes out from a Ramp checking account. The line items are on the Ramp cost record.

Tipalti’s $99 a month covers the platform only. Per-invoice and per-payment transaction fees come on top, set by the number of payments, the number of legal entities, the modules switched on and the payment methods and currencies used. None of those fees has a dollar amount attached, so the Tipalti cost record shows the $99 base fee. At 5,000 invoices a month the base fee is the same $99, and every transaction fee comes on top.

Users and approvers

Tipalti includes unlimited users and charges nothing per approver or reviewer. Ramp’s Free plan has no seat fee and no seat cap either. The gap opens on Ramp Plus, at $15 a user a month plus a platform fee based on team size, with 20 percent off for annual billing. At 25,000 invoices a month, where the assumed AP team is twenty people, Ramp Plus seats come to $300 a month before the platform fee.

Paying suppliers abroad

Ramp charges $20 for an international SWIFT wire in US dollars and $15 for a domestic wire. Tipalti pays in more than 200 countries and territories over local payment rails, holds balances in multiple currencies, and validates supplier tax IDs in 62 countries. Its fees vary by payment method and destination and are set in the quote. A team with most suppliers overseas gets more payout options from Tipalti; a team paying mostly by domestic ACH and check can price Ramp before signing.

ERP fit

Tipalti lists native, two-way integrations with NetSuite, Sage Intacct, SAP Business One and Dynamics 365 Business Central. Custom or API integrations can cost extra. Ramp syncs NetSuite, Sage Intacct and Business Central from its Plus plan, and adds Dynamics Finance and Operations, Workday and Oracle Fusion Cloud on Enterprise.

At the small end both sync QuickBooks and Xero, and Ramp does so on every plan including Free.

Setup and entities

Tipalti includes standard implementation in the price and builds multi-entity accounting into the platform, though each extra legal entity raises the quote. More complex setups, such as several ERPs or custom integrations, can need paid professional services. Ramp adds multi-entity support on its Plus plan.

Which one fits

Ramp fits a team on QuickBooks or Xero that pays mostly domestic suppliers by ACH or check and wants a cost per invoice it can work out today; the cost per invoice calculator runs that number for other payment mixes. Tipalti fits a team paying suppliers in many countries, running NetSuite, Sage Intacct or SAP Business One, with enough approvers that per-user pricing would add up. It needs a quote before the full price is known.

BILL, the third vendor here with a full fee schedule, is set against both: Ramp vs BILL and BILL vs Tipalti.

The wider field is in the Tipalti alternatives and Ramp alternatives rankings.