Ramp vs. Bill.com: A Side-by-Side Comparison

Short Answer: Ramp is focused on helping businesses that want to save money through a smart corporate card and expense management services. Bill.com is geared toward small and medium businesses seeking AP/AR automation, complex approval workflows and the ability to conduct lots of international payments. Nickel is built to simplify B2B transactions, provide top tier support for businesses making large payments, and allow companies to manage AP and AR operations in a single, easy-to-use interface.

If you’re comparing Ramp vs Bill.com to figure out which platform is best for your needs, we’ve got all the answers you need to choose the proper fit for your business. 

Both are fintech giants used by a vast array of companies, but they’re built to serve different needs. Ramp is a corporate card and spend management platform that helps companies save money. BILL (formerly Bill.com) was built as is an accounts payable and accounts receivable automation platform and has now expanded its services to include a suite of financial offerings, like spend management and credit lines.

Many businesses are increasingly finding Nickel is the easiest-to-use AR and AP platform with exceptional support for high-value transactions. Try a 2-week trial of Nickel Plus for free to see why we were named a high performer by G2 and have a better rating than other payment processors. 

What you'll learn:

• A breakdown of the key services offered by each platform
• Common users among Ramp and Bill.com users
• Complete pricing breakdowns with tier-by-tier features
• When to choose Ramp, Bill.com, or consider a third option, like Nickel

Quick Comparison: Ramp vs Bill.com at a Glance

Before diving into details, here's a side-by-side overview:

Disclaimer: We are not affiliated with Bill or Ramp. This information may have changed since publication and is for informational purposes only. For the most recent information related to each payment platform, please consult the official Bill and Ramp websites.

• Choose Ramp if: You want corporate cards with spending controls and expense automation
• Choose BILL if: You need AP/AR automation with complex approval workflows, or want corporate cards integrated with invoice processing
• Choose Nickel if: You’re moving large amounts of money in B2B transactions with a simple interface and want unlimited free ACH while still getting AR/AP automation

What is Ramp?

Ramp is a spend management platform founded in 2019. Ramp serves more than 50,000 customers and helps companies reduce costs and control spending through a combination of corporate cards, expense management, and financial intelligence tools.

Ramp's business model is different from traditional software companies. While they offer paid subscriptions for some features, much of Ramp’s revenue comes from card interchange fees. 

This allows the platform itself to be free or low-cost. They were named the 2025 Top Rated Winner for Spend Management by TrustRadius.

Ramp Key Features

• Corporate Cards: Unlimited physical and virtual cards with spending limits and category controls
• Expense Management: Automated receipt matching, expense policies, and reimbursements
• Cashflow Tools: Real-time spend tracking and forecasting helps finance teams manage cashflow more proactively
• Spend Intelligence: Real-time visibility into company spending with AI-assisted coding
• Travel Management: Built-in travel booking with policy enforcement
• Integrations: QuickBooks, NetSuite, Sage, Xero, and 200+ others

Who is Ramp Focused On Supporting?

Ramp’s operations help:

• Companies wanting to issue corporate cards with controls
• Finance teams seeking real-time spend visibility and expense management
• Businesses that want to earn cash back (1.5%) on spending
• Companies with multiple employees making purchases
• Tech/SaaS companies, agencies, and professional services firms (card-heavy spending)

Common Complaints from Ramp Users

Based on reviews from Trustpilot, Capterra, and Software Advice:

• Paywalled features: While marketed as "free," many essential features (advanced workflows, ERP customizations, procurement tools) require paid tiers starting at $15/user/month
• Receipt management quirks: Users report frustration with receipts being deleted and re-requested after tip adjustments
• Learning curve: Some find the interface confusing initially, especially for non-technical employees
• Lacking workflow and financial controls: Ramp doesn’t have the same level of financial controls that other platforms allow
• Integration issues: Sure, Ramp integrates with tons of financial softwares. But the quality of that integration can vary. Some users complain that Ramp hasn’t adequately set up systems to support their integrations, causing compatibility issues.

What is Bill.com?

Bill.com is an AP/AR automation platform founded in 2006. It's a public company trading on the NYSE under ticker BILL. The company focuses on automating accounts payable processes and accounts receivable workflows for small to mid-market businesses.

Bill.com has grown through acquisitions, including Divvy (corporate cards) and Invoice2go (invoicing). These acquisitions have allowed Bill.com to offer a comprehensive suite of services that covers both spend management and invoice processing.

Bill.com Services

Accounts Payable:

• AI-powered invoice capture (95% accuracy OCR)
• Approval workflows with multi-level approvals by amount, vendor, user role
• Payments with 2/3-way matching
• Payment methods: ACH, check (printed/mailed), wire, credit card, international (130+ countries)

Accounts Receivable:

• Invoicing and payment collection
• Customer portal
• Automated dunning and reminders

Corporate Cards & Expense Management (via Divvy):

• AI-powered auto-categorization, receipt matching (95% accuracy)
• Customizable spend policies, budget limits, real-time visibility
• Credit lines from $1,000 to $5 million (subject to approval)

Reimbursement tracking for out-of-pocket expenses

Tax & Compliance:

• W-9 collection
• 1099 filing

Integrations:

• QuickBooks Online/Desktop, Xero, NetSuite, Sage Intacct, Microsoft Dynamics

Who is Bill.com Focused on Supporting?

• Companies processing high volumes of vendor invoices
• Teams needing complex, multi-level approval workflows
• Businesses that need both AP and AR in one platform
• Mid-market businesses with enterprise accounting software (NetSuite, Sage, Dynamics)
• Companies wanting corporate cards integrated with their AP/AR workflow

Common Bill.com Complaints

Based on reviews from Trustpilot, Sitejabber, BBB, and PissedConsumer:

• Customer support nightmares: Users report waiting weeks for responses, being bounced between AI chatbots and agents, and issues going unresolved for months. One user described it as "nearly impossible to get ahold of a human."
• Payment delays and holds: Complaints about payments taking longer than promised, unexplained holds on funds and lost payments
• Account verification hell: Some users report long verification processes requiring excessive documentation (driver's license, utility bills, bank statements, selfies with ID)
• Per-user pricing: Adds up quickly, costing teams more than other payment processors

Pricing Comparison: Ramp vs Bill.com vs Nickel

The amount you actually pay for each platform doesn’t just come down to the monthly cost. You also have to consider how per-transaction fees can add up. Below, we’ve broken down the pricing tiers for Bill, Ramp and Nickel.

Ramp Pricing

Ramp Transaction Fees:

• Same-day ACH: $10 per transaction (free with Ramp Business Account)
• Domestic wire: $15 per transaction
• International wire (SWIFT USD): $20 per transaction
• Overnight check: $20 per transaction

How Ramp makes money: Interchange fees when cards are used—this subsidizes the free tier. See Ramp's pricing page for current details.

Bill.com Pricing

AP/AR Platform:

Bill.com Transaction Fees:

• Standard ACH: Included in subscription (but BILL added $0.59/ACH fees for many existing customers in 2022-2023)
• Instant payments: 1% of transaction
• Credit card payments: 2.9%
• International wires: Varies by country

Nickel Pricing

Nickel Transaction Fees:

• ACH: Free, forever (unlimited)
• Credit card: 2.9% (customer can pay)
• No per-user fees
• No same-day or instant payment options currently

When Nickel Is a Better Choice

If you're focused on invoicing customers, collecting payments, and managing your receivables on a platform that offers flat-rate pricing, Nickel is right for you. 

Nickel is designed specifically for businesses who want:

• Automated AP and AR services in a single platform: Nickel unifies the entire payment cycle in a single system. By integrating AP and AR functions in one interface, Nickel provides customers an easy-to-use system of managing cash flow and operations. We’re built to be an accessible all-in-one payment solution. 
• Unlimited users at a flat rate: $35/month total (when paying annually). Unlike other platforms where you have to pay per user, your whole team can access Nickel without multiplying costs.
• Unlimited free ACH: No strings attached. Whether you’re a free user or using a paid tier, we don’t limit how many ACH transactions you conduct. None of your payments will have any hidden transaction fees, and Nickel Plus users can send up to $1M per transfer.
• Industry leading support: We won’t make you wait weeks to resolve a payment issue. Our support team helps you resolve issues quickly and without fighting online chat portals.

See a full list of Nickel’s Winter G2 Awards here: 

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How Nickel’s Core Features Help Your Business

Recurring payments: Set up automatic billing schedules for repeat customers. Create recurring invoices and automatically charge saved payment methods on your schedule—weekly, monthly, or custom intervals. No manual re-invoicing, no chasing payments. Set it once and let the system handle collections.

Saved payment methods: Store your customers' ACH and credit card details securely for faster future payments. When a customer pays once, Nickel saves their payment method (with their permission) so subsequent invoices can be paid with one click—or charged automatically. This reduces friction, speeds up collections, and makes recurring billing seamless.

Pay ACH with credit card: Give your customers payment flexibility while protecting your margins. Customers can pay via credit card even on ACH invoices, and you control the economics. You can pass the 2.9% processing fee to the customer (surcharging) or split it. You decide what works for your business.

QuickBooks Online integration: Seamless, real-time two-way sync with QuickBooks Online. Invoices, payments, and customer records sync automatically—no manual data entry, no clearing account workarounds, no reconciliation headaches. QuickBooks sync is included in all Nickel plans, including the free tier.

Key Takeaways

• Ramp is best for corporate cards and expense management. Free tier available, modern UI, cash back.
• Bill.com is best for comprehensive AP/AR automation with complex approval workflows and enterprise integrations. But per-user pricing ($45-89/user/month) adds up fast, and customer complaints about support and account freezes are common.
• Nickel is best for B2B businesses focused on managing their AR/AP processes on a single platform. Free tier with unlimited ACH, flat pricing ($35/month for unlimited users). No complex setups, and you get automated AR/AP services along with a simplified payment system that’s easy to use.

Ready to Get Paid Faster?

If you're a B2B business and getting paid on time matters more than complex AP workflows, Nickel was built for you. ‍

Start free with Nickel → Unlimited free ACH. No per-user fees. Fast human support.