# BILL vs Ramp

> BILL scores 60.9 (C) on agent readiness against Ramp's 57.3 (C), and leads in 1 of 7 scored categories. Ramp leads on agent ergonomics, security & auth and maintenance & community. Both do spend transactions. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/bill-vs-ramp
- Markdown: https://www.anchorterminal.com/compare/bill-vs-ramp.md (~2,100 tokens)
- Slim: https://www.anchorterminal.com/compare/bill-vs-ramp.min.md (~730 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/bill-vs-ramp.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-08

BILL scores 60.9 (C) on agent readiness against Ramp's 57.3 (C), and leads in 1 of 7 scored categories. Ramp leads on agent ergonomics, security & auth and maintenance & community. Both do spend transactions.

- BILL: grade C, 60.9/100, rank #380 of 722. Markdown https://www.anchorterminal.com/tools/bill.md · JSON https://www.anchorterminal.com/api/v1/tools/bill.json
- Ramp: grade C, 57.3/100, rank #478 of 722. Markdown https://www.anchorterminal.com/tools/ramp.md · JSON https://www.anchorterminal.com/api/v1/tools/ramp.json

## Which one, for what

### BILL (C)

Good for: A US company already on BILL that wants an agent to create and read bills, run approvals, schedule vendor payments, raise invoices and manage budgets, vendor cards, card transactions and reimbursements.

Ahead on:
- Reliability, 81 against 30

Also in its favour:
- No incidents deducted, where Ramp loses 3 points for them

Watch for: `POST /v3/login` takes a user's username and password with a developer key, and the session carries that user's role with no scopes

### Ramp (C)

Good for: A finance team already on Ramp that wants an agent to read transactions, upload receipts, code and split expenses, issue funds with limits, create bills and work with purchase orders and procurement requests.

Ahead on:
- Agent ergonomics, 66 against 60
- Security & auth, 79 against 56
- Maintenance & community, 74 against 32

Watch for: No public status page was found. status.ramp.com doesn't resolve, and no status link appears in the docs, help centre or trust centre pages read


## Score by category

| Category | Weight | BILL | Ramp | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 81 | 30 | BILL +51 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 83 | 86 | Ramp +3 |
| Agent ergonomics | 13% (16.2 this run) | 60 | 66 | Ramp +6 |
| Security & auth | 14% (17.5 this run) | 56 | 79 | Ramp +23 |
| Payments & pricing | 10% (12.5 this run) | 25 | 25 | even |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 32 | 74 | Ramp +42 |
| Transparency & trust | 7% (8.8 this run) | 66 | 70 | Ramp +4 |
| Negative events | ≤15 | 0 | -3 | |
| **Total** | | **60.9 · C** | **57.3 · C** | |

## Facts side by side

| Fact | BILL | Ramp |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | BILL Holdings, Inc. | Ramp Business Corporation |
| Hosted endpoint | `https://gateway.prod.bill.com/connect` | `https://api.ramp.com` |
| Transports | HTTP | HTTP |
| Auth | OAuth or key | OAuth |
| Pricing | Freemium | Freemium |
| x402 | no | no |
| Licence | Proprietary service under the BILL Developer Terms and the BILL General Terms of Service | Proprietary service under the Ramp Platform Agreement and the API Agreement. The ramp-cli repository is MIT |
| Read-only variant documented | no | no |
| llms.txt | yes | yes |
| Last release | 2026-05-21 | 2026-10-07 |
| Terms last updated | 2026-03-03 | couldn't be read |
| Privacy policy last updated | 2026-01-30 | couldn't be read |
| Customer content may train models | not found in the text | couldn't be read |
| Terms restrict automated access | not found in the text | couldn't be read |
| Terms restrict benchmarking | not found in the text | couldn't be read |
| Terms or service can change without notice | not found in the text | couldn't be read |
| Arbitration or class-action waiver | not found in the text | couldn't be read |
| Popularity | none | 53 stars |

## Verdicts

**BILL.** A public OpenAPI 3.0.1 spec covers 326 operations, a self-serve sandbox moves no money, and payments need a session trusted by multi-factor authentication. The AP and AR API signs in with a user's password and has no scopes, no idempotency key protects payment calls, and no official SDK was found.

**Ramp.** OAuth 2.0 scopes split read from write across about 40 resources, a 260-operation OpenAPI spec is public, and an audit log endpoint records actions by user and agent. No public status page was found, 89 operations are marked beta, the API Agreement allows changes without notice, and idempotency keys cover only eight write operations.

## Before you call either

### BILL

1. Sign in with `POST /v3/login` and send `sessionId` and `devKey` as headers on every AP and AR call. The session expires after 35 minutes idle
2. Send the `apiToken` header alone on `/v3/spend/` paths. Spend & Expense calls need no login and are limited to 60 a minute per token
3. Complete the MFA challenge before `POST /v3/payments`. An untrusted session fails with `BDC_1361`
4. Read back payments before retrying a failed `POST /v3/payments`. No idempotency key is accepted, so a blind retry can pay twice
5. Keep to three concurrent requests per developer key per organisation and 20,000 an hour. After `BDC_1144`, wait for the next hour

### Ramp

1. Send `scope` on the client credentials token request. Without it Ramp issues a token with no scopes and every resource call fails with 403
2. Follow the full URL in `next` to page. `page_size` defaults to 20 and stops at 100, and the cursor is opaque
3. Stay under 200 requests in any 10 seconds per source IP and back off 1, 2 then 4 seconds on 429. No Retry-After header is documented
4. Don't use `synced_after` or `from_created_at` to find changed records. Bills and transactions have no updated-at filter, so subscribe to webhooks
5. Send `X-Idempotency-Key` when creating funds or procurement requests. Elsewhere a retried POST can create a duplicate, so read back before retrying

## Questions

### Which is better for AI agents, BILL or Ramp?

BILL scores 60.9 (C) on agent readiness against Ramp's 57.3 (C), and leads in 1 of 7 scored categories. Ramp leads on agent ergonomics, security & auth and maintenance & community.

### Do BILL and Ramp need an API key?

BILL takes an API key or an OAuth sign-in. Ramp uses an OAuth sign-in.

### Can an agent call BILL and Ramp without installing anything?

Yes. BILL has a hosted endpoint at https://gateway.prod.bill.com/connect and Ramp at https://api.ramp.com.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/bill-vs-ramp.json, and with the fewest tokens: https://www.anchorterminal.com/compare/bill-vs-ramp.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "bill", "b": "ramp"}`. From a terminal: `anchor compare bill ramp`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/bill.json and https://www.anchorterminal.com/api/v1/tools/ramp.json

## Other comparisons with BILL or Ramp

- [Airwallex Spend and Issuing vs BILL](https://www.anchorterminal.com/compare/airwallex-vs-bill.md)
- [Airwallex Spend and Issuing vs Ramp](https://www.anchorterminal.com/compare/airwallex-vs-ramp.md)
- [BILL vs Brex](https://www.anchorterminal.com/compare/bill-vs-brex.md)
- [BILL vs Expensify](https://www.anchorterminal.com/compare/bill-vs-expensify.md)
- [BILL vs Mercury API](https://www.anchorterminal.com/compare/bill-vs-mercury.md)
- [BILL vs Pleo API + MCP](https://www.anchorterminal.com/compare/bill-vs-pleo.md)
- [BILL vs Spendesk API + MCP](https://www.anchorterminal.com/compare/bill-vs-spendesk.md)
- [Brex vs Ramp](https://www.anchorterminal.com/compare/brex-vs-ramp.md)
- [Expensify vs Ramp](https://www.anchorterminal.com/compare/expensify-vs-ramp.md)
- [Mercury API vs Ramp](https://www.anchorterminal.com/compare/mercury-vs-ramp.md)
- [Pleo API + MCP vs Ramp](https://www.anchorterminal.com/compare/pleo-vs-ramp.md)
- [Ramp vs Spendesk API + MCP](https://www.anchorterminal.com/compare/ramp-vs-spendesk.md)