{ "data": { "a": { "slug": "expensify", "name": "Expensify", "vendor": "Expensify, Inc.", "vendorUrl": "https://www.expensify.com", "kind": "http-api", "category": "spend-management", "summary": "Expensify is an expense management service with receipt scanning, expense reports, approvals, reimbursement and company cards. Its Integration Server API exports report and card data and creates expenses, reports and workspace settings. A hosted MCP server gives read-only search.", "url": "https://www.anchorterminal.com/tools/expensify", "markdownUrl": "https://www.anchorterminal.com/tools/expensify.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/expensify.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/expensify.json", "license": "Proprietary service under the Expensify Terms of Service. The Expensify app client and help articles on GitHub (Expensify/App) are MIT", "transports": [ "http" ], "remoteUrl": "https://integrations.expensify.com/Integration-Server/ExpensifyIntegrations", "packages": [], "auth": "mixed", "authNotes": "Access is self-serve for anyone with an Expensify account. Signing in at https://www.expensify.com/tools/integrations/ generates a partnerUserID and partnerUserSecret pair, shown once and replaceable on the same page. The pair travels inside the `requestJobDescription` form field and acts with the account's own rights, so domain and workspace admin jobs need an admin's credentials. Creating reports or expenses in other users' accounts needs Expensify to enable it for the domain by email to Concierge. OAuth2 for the API (authorisation code grant, scope `integrations:api`, two-hour access tokens, rotating refresh tokens) is in private beta by request form. The MCP server uses OAuth 2.1 with PKCE and the `mcp:tools` scope.", "pricing": "freemium", "pricingNotes": "No separate API fee is published. Collect is $5 per unique member a month, pay-per-use. Control is $18 per member a month on an annual subscription or $36 per active member pay-per-use, and as low as $9 with Expensify Card spend. A workspace starts a 30-day free trial, with a payment card asked for when it ends, and a free Submit workspace exists for individuals. An agent can start on the trial without a contract. No sandbox was found, and whether the API works without a paid plan wasn't established (checked 2026-10-08).", "priceSummary": "$5 / seat-mo", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the Integration Server reference, the help articles or the pricing article (checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-08" }, "docsUrl": "https://integrations.expensify.com/Integration-Server/doc/", "capabilities": [ "spend.transactions", "spend.expenses" ], "tags": [ "hosted", "freemium", "api-key", "oauth", "mcp", "soc2", "pci-dss" ], "graded": true, "anchor": { "graded": true, "score": 41.1, "grade": "E", "agentReady": false, "rank": 684, "ranked": true, "rankOf": 722, "categoryRank": 8, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 45, "maintenance": 23, "payments": 30, "reliability": 62, "schema": 28, "security": 34, "transparency": 58 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "One endpoint exports reports through caller-written templates and creates expenses, reports, rules and workspace settings, with limits of 5 requests per 10 seconds published and a status page that tracks the API separately. There is no OpenAPI spec, changelog, SDK, pagination or idempotency key, and one credential pair carries the whole account's rights.", "bestFor": "A finance team already on Expensify that wants an agent to export approved reports to an accounting system, create expenses and reports, keep categories, tags and employees in step with an HR system, or mark reports reimbursed.", "strengths": [ "Export templates written in Freemarker let the caller choose every output field, in CSV, XLS, XLSX, TXT, PDF, JSON or XML, filtered by date, state, workspace and report ID", "Rate limits are published as 5 requests per 10 seconds and 20 per 60 seconds, with status 429 when exceeded", "The status page lists Integration APIs as its own component, and no incident in the 90 days to 8 October 2026 names it", "The hosted MCP server at https://www.expensify.com/mcp is read-only and uses OAuth 2.1 with PKCE, the `mcp:tools` scope and a revocation endpoint", "Every job in the reference has a curl example, a parameter table with valid values and a sample error response" ], "weaknesses": [ "No OpenAPI spec, llms.txt, version number or changelog was found for the Integration Server API", "The partnerUserID and partnerUserSecret pair acts with all of the account's rights. No scopes or read-only credential were found for the API", "No idempotency key or pagination is documented, and no official SDK was found", "Errors arrive as `responseCode` in the body. An invalid credential returned HTTP 200 with `responseCode` 404 when we tried it on 8 October 2026", "The Terms of Service allow Expensify to modify or discontinue the service at any time without prior notice, and no SLA was found" ], "agentNotes": [ "POST `requestJobDescription` as a form field to the single endpoint. Keep it out of the URL query string, because it carries the secret", "Read `responseCode` in the body on every reply. HTTP status can be 200 on failure, and validation errors use 410", "Stay under 5 requests per 10 seconds and 20 per 60 seconds. No Retry-After header is documented, so space retries yourself", "Export in two calls. A `file` job returns a filename, then a `download` job fetches it. Amounts are in cents", "Don't retry a create job blindly. No idempotency key exists, so export and check before resending. Set `dry-run` to true when testing the Advanced Employee Updater" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "E", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 41.1 } ], "editorialScores": { "ergonomics": 45, "maintenance": 23, "payments": 30, "reliability": 62, "schema": 28, "security": 34, "transparency": 41 }, "provenanceScore": 75 }, "connect": { "http": "curl -X POST 'https://integrations.expensify.com/Integration-Server/ExpensifyIntegrations' \\\n -d 'requestJobDescription={\"type\":\"get\",\"credentials\":{\"partnerUserID\":\"_REPLACE_\",\"partnerUserSecret\":\"_REPLACE_\"},\"inputSettings\":{\"type\":\"policyList\"}}'" }, "letme": { "capability": "https://letme.dev/spend.transactions", "tool": "https://letme.dev/expensify" }, "area": "domain-data", "unitPrices": [ { "item": "Collect plan, pay-per-use", "unit": "seat-month", "usd": 5, "note": "Per unique member. No separate API fee is published" }, { "item": "Control plan, annual subscription", "unit": "seat-month", "usd": 18, "note": "As low as $9 with Expensify Card spend. Active members above the subscription size are $36" }, { "item": "Control plan, pay-per-use", "unit": "seat-month", "usd": 36, "note": "Per active member" } ], "provenance": { "legalEntity": "Expensify, Inc.", "domain": "expensify.com", "domainRegistered": "2007-10-26", "endpointOnVendorDomain": true, "terms": "https://www.expensify.com/terms", "privacy": "https://www.expensify.com/privacy", "statusPage": "https://status.expensify.com", "changelog": "", "securityTxt": "none", "checked": "2026-10-08", "notes": [ "The Terms of Service (last updated 10 September 2026) name Expensify, Inc., 401 SW 5th Ave, Portland, OR 97204, and govern the Expensify Service including related software and tools. No separate API agreement was found.", "The privacy policy (last updated 1 April 2026) is issued for the Expensify group and names Expensify, Inc. as controller.", "The API answers at integrations.expensify.com and the MCP server at www.expensify.com/mcp.", "https://www.expensify.com/.well-known/security.txt returned 404 on 8 October 2026.", "No changelog was found for the Integration Server API.", "RDAP for expensify.com gives a registration date of 2007-10-26." ], "score": 75 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/expensify.json", "live": { "slug": "expensify", "probe": { "target": "https://integrations.expensify.com/Integration-Server/ExpensifyIntegrations", "method": "get", "lastAt": "2026-10-08T19:52:50.636571342Z", "lastOk": true, "lastStatus": 200, "lastMs": 460, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 447, "p95ms24h": 522, "samples24h": 27, "samples30d": 27, "days": [ { "date": "2026-10-08", "probes": 27, "ok": 27 } ] }, "vendorStatus": { "page": "https://status.expensify.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-08T19:50:40.504698851Z" }, "pages": [ { "url": "https://www.expensify.com/privacy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-08T18:27:38.986175098Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "a6875581ee6f" }, { "url": "https://www.expensify.com/terms", "kind": "terms", "status": 200, "checkedAt": "2026-10-08T18:27:41.220273608Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "2df10b1a9dea" } ], "updatedAt": "2026-10-08T19:52:50.636571342Z" } }, "answer": "Ramp scores 57.3 (C) on agent readiness against Expensify's 41.1 (E), and leads in 5 of 7 scored categories. Expensify leads on reliability and payments \u0026 pricing.", "b": { "slug": "ramp", "name": "Ramp", "vendor": "Ramp Business Corporation", "vendorUrl": "https://ramp.com", "kind": "http-api", "category": "spend-management", "summary": "Ramp is a finance platform with company cards, expense management, bill pay, procurement and travel. Its Developer API reads and writes transactions, receipts, funds, bills and purchase orders. A hosted MCP server and CLI work with the signed-in user's permissions.", "url": "https://www.anchorterminal.com/tools/ramp", "markdownUrl": "https://www.anchorterminal.com/tools/ramp.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/ramp.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/ramp.json", "repo": "https://github.com/ramp-public/ramp-cli", "license": "Proprietary service under the Ramp Platform Agreement and the API Agreement. The ramp-cli repository is MIT", "transports": [ "http" ], "remoteUrl": "https://api.ramp.com", "packages": [], "auth": "oauth", "authNotes": "Access is self-serve for a Ramp customer. An admin creates an app at Company \u003e Developer, accepts the terms, and picks grant types and scopes. Client credentials tokens are requested from `/developer/v1/token` with HTTP Basic auth, last 10 days and act with the app creator's permissions. The authorisation code grant is for apps acting for other businesses, with one-hour access tokens by default, optional refresh tokens, and consent limited to Admin and Business Owner users. Scopes follow `resource:read` and `resource:write`, and `cards:read_vault` needs a production review by Ramp. The MCP server and CLI use OAuth and work with the signed-in user's permissions, and custom MCP clients need their redirect URI allowlisted by Ramp.", "pricing": "freemium", "pricingNotes": "No separate API fee is published. ramp.com/pricing lists Free at $0 per user per month, Plus at $15 per user per month plus a platform fee by team size, and Enterprise on request, with a 30-day Plus trial. The OpenAPI spec marks 51 of 260 operations as needing Plus. Access needs an approved Ramp business account, so an agent can't start without one. A sandbox at demo-api.ramp.com is available on request through a form. The API Agreement reserves the right to charge API fees (checked 2026-10-08).", "priceSummary": "$15 / seat-mo", "where": "hosted", "x402": { "level": "no", "evidence": "Ramp's own API isn't paid for by x402, MPP or L402. Ramp lets a connected agent pay other sellers by x402 from a funded wallet, or by Stripe MPP, per the agentic payments guide (https://docs.ramp.com/llms-guides/agent-payments.txt, checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": 53, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-08" }, "docsUrl": "https://docs.ramp.com", "llmsTxt": "https://docs.ramp.com/llms.txt", "openapi": "https://docs.ramp.com/openapi/developer-api.json", "capabilities": [ "spend.transactions", "spend.expenses", "spend.cards", "spend.bills", "spend.procurement" ], "tags": [ "hosted", "freemium", "oauth", "mcp", "cli", "openapi", "llms-txt", "webhooks", "sandbox", "soc2", "pci-dss", "security-txt" ], "lastRelease": "2026-10-07", "graded": true, "anchor": { "graded": true, "score": 57.3, "grade": "C", "agentReady": false, "rank": 478, "ranked": true, "rankOf": 722, "categoryRank": 7, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 66, "maintenance": 74, "payments": 25, "reliability": 30, "schema": 86, "security": 79, "transparency": 70 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": -3, "negativeNotes": [ "2026-06-25 and 2026-02-11. The changelog records the webhook event type `transactions.all_requirements_met_and_approved` removed on 25 June 2026, three days after the 22 June entry marked it a deprecated alias, and `functional_currency_amount` dropped from default transaction responses on 11 February 2026. Both are documented on the day they shipped and the first names a replacement. Notice by email couldn't be checked, so the smallest deduction applies (https://docs.ramp.com/developer-api/v1/changelog)." ], "verdict": "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.", "bestFor": "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.", "strengths": [ "Public OpenAPI 3.0.2 spec with 260 operations, plus llms.txt and a plain-text export of every guide and the API reference", "OAuth 2.0 scopes follow `resource:read` and `resource:write`, tokens are bound to scopes at issue, and `POST /developer/v1/token/revoke` invalidates them", "`GET /developer/v1/audit-logs/events` filters events by user, date, event type and actor type, including Ramp's own agents", "A sandbox at demo-api.ramp.com and demo.ramp.com moves no real money and has demo actions that create test transactions", "The changelog is dated to the day, with 26 dated entries between 15 July and 7 October 2026 and an RSS feed" ], "weaknesses": [ "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", "89 of 260 operations carry `x-beta`, among them creating a fund and splitting a transaction, and the MCP guide says the server is subject to change", "`X-Idempotency-Key` is accepted on 8 of 155 write operations. Creating a bill, a purchase order or a vendor has none", "The API Agreement says Ramp may change or discontinue the APIs at any time with or without notice", "No official SDK was found in the docs, and 51 operations (custom records, purchase orders, the audit log) need the paid Plus plan" ], "agentNotes": [ "Send `scope` on the client credentials token request. Without it Ramp issues a token with no scopes and every resource call fails with 403", "Follow the full URL in `next` to page. `page_size` defaults to 20 and stops at 100, and the cursor is opaque", "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", "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", "Send `X-Idempotency-Key` when creating funds or procurement requests. Elsewhere a retried POST can create a duplicate, so read back before retrying" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "C", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 57.3 } ], "editorialScores": { "ergonomics": 66, "maintenance": 74, "payments": 25, "reliability": 30, "schema": 86, "security": 79, "transparency": 55 }, "provenanceScore": 84 }, "connect": { "install": "curl -fsSL https://agents.ramp.com/install.sh | sh", "http": "curl https://api.ramp.com/developer/v1/transactions \\\n -H \"Authorization: Bearer $RAMP_ACCESS_TOKEN\"" }, "letme": { "capability": "https://letme.dev/spend.transactions", "tool": "https://letme.dev/ramp" }, "area": "domain-data", "unitPrices": [ { "item": "Free plan", "unit": "seat-month", "usd": 0, "note": "No separate API fee is published" }, { "item": "Plus plan", "unit": "seat-month", "usd": 15, "note": "Plus a platform fee by team size, not stated. Enterprise is priced on request" } ], "provenance": { "legalEntity": "Ramp Business Corporation", "domain": "ramp.com", "domainRegistered": "1994-03-14", "endpointOnVendorDomain": true, "terms": "https://ramp.com/legal/developer-terms/developer-terms/api-agreement", "privacy": "https://ramp.com/legal/privacy-policy", "statusPage": "", "changelog": "https://docs.ramp.com/developer-api/v1/changelog", "securityTxt": "valid", "checked": "2026-10-08", "notes": [ "The API Agreement (last updated 26 March 2026) names Ramp Business Corporation, 28 West 23rd Street, Floor 2, New York, NY 10010.", "The API answers at api.ramp.com and demo-api.ramp.com, and the MCP servers at mcp.ramp.com and demo-mcp.ramp.com.", "No status page was found. status.ramp.com doesn't resolve, and no status link appears in the docs, help centre, trust centre, home or pricing pages read on 8 October 2026.", "ramp.com/.well-known/security.txt gives security-external@ramp.com as the contact and expires on 18 March 2027.", "The Platform Agreement was last updated on 22 September 2026, the privacy policy on 21 August 2026 and the DPA on 10 July 2026. The legal pages render with JavaScript, and we read the published documents from the site's own script files.", "RDAP for ramp.com gives a registration date of 1994-03-14 and Cloudflare, Inc. as registrar." ], "score": 84 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/ramp.json", "live": { "slug": "ramp", "probe": { "target": "https://api.ramp.com", "method": "get", "lastAt": "2026-10-08T19:52:59.939209159Z", "lastOk": true, "lastStatus": 401, "lastMs": 129, "lastNote": "asks for credentials", "authRequired": true, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 139, "p95ms24h": 194, "samples24h": 50, "samples30d": 50, "days": [ { "date": "2026-10-08", "probes": 50, "ok": 50 } ] }, "versions": [ { "registry": "github", "name": "ramp-public/ramp-cli", "version": "v0.2.54", "released": "2026-10-06", "seenAt": "2026-10-08T16:26:56.585492266Z" } ], "githubStars": 53, "securityTxt": { "url": "https://ramp.com/.well-known/security.txt", "state": "valid", "expires": "2027-03-18T19:00:00.000Z", "checkedAt": "2026-10-08T15:38:51.088112552Z" }, "pages": [ { "url": "https://docs.ramp.com/developer-api/v1/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-08T18:19:18.141617922Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "df9c69ecf0f3" }, { "url": "https://ramp.com/legal/privacy-policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-08T18:23:38.570721399Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "e3b0c44298fc" }, { "url": "https://ramp.com/legal/developer-terms/developer-terms/api-agreement", "kind": "terms", "status": 200, "checkedAt": "2026-10-08T18:23:36.289237573Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "e3b0c44298fc" } ], "updatedAt": "2026-10-08T19:52:59.939209159Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Expensify, Inc.", "b": "Ramp Business Corporation", "name": "Vendor" }, { "a": "https://integrations.expensify.com/Integration-Server/ExpensifyIntegrations", "b": "https://api.ramp.com", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "OAuth or key", "b": "OAuth", "name": "Auth" }, { "a": "Freemium", "b": "Freemium", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Proprietary service under the Expensify Terms of Service. The Expensify app client and help articles on GitHub (Expensify/App) are MIT", "b": "Proprietary service under the Ramp Platform Agreement and the API Agreement. The ramp-cli repository is MIT", "name": "Licence" }, { "a": "yes", "b": "no", "name": "Read-only variant documented" }, { "a": "no", "b": "yes", "name": "llms.txt" }, { "a": "none", "b": "2026-10-07", "name": "Last release" }, { "a": "2026-09-10", "b": "couldn't be read", "name": "Terms last updated" }, { "a": "2026-04-01", "b": "couldn't be read", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "couldn't be read", "name": "Customer content may train models" }, { "a": "yes", "b": "couldn't be read", "name": "Terms restrict automated access" }, { "a": "not found in the text", "b": "couldn't be read", "name": "Terms restrict benchmarking" }, { "a": "yes", "b": "couldn't be read", "name": "Terms or service can change without notice" }, { "a": "yes", "b": "couldn't be read", "name": "Arbitration or class-action waiver" }, { "a": "none", "b": "53 stars", "name": "Popularity" } ], "faq": [ { "answer": "Ramp scores 57.3 (C) on agent readiness against Expensify's 41.1 (E), and leads in 5 of 7 scored categories. Expensify leads on reliability and payments \u0026 pricing.", "question": "Which is better for AI agents, Expensify or Ramp?" }, { "answer": "Expensify takes an API key or an OAuth sign-in. Ramp uses an OAuth sign-in.", "question": "Do Expensify and Ramp need an API key?" }, { "answer": "Yes. Expensify has a hosted endpoint at https://integrations.expensify.com/Integration-Server/ExpensifyIntegrations and Ramp at https://api.ramp.com.", "question": "Can an agent call Expensify and Ramp without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 62 against 30", "Payments \u0026 pricing, 30 against 25" ], "also": [ "No incidents deducted, where Ramp loses 3 points for them" ], "goodFor": "A finance team already on Expensify that wants an agent to export approved reports to an accounting system, create expenses and reports, keep categories, tags and employees in step with an HR system, or mark reports reimbursed.", "slug": "expensify", "watchFor": "No OpenAPI spec, llms.txt, version number or changelog was found for the Integration Server API" }, { "aheadOn": [ "Schema \u0026 documentation, 86 against 28", "Agent ergonomics, 66 against 45", "Security \u0026 auth, 79 against 34", "Maintenance \u0026 community, 74 against 23", "Transparency \u0026 trust, 70 against 58" ], "also": null, "goodFor": "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.", "slug": "ramp", "watchFor": "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" } ], "job": { "capability": "spend.transactions", "name": "Spend transactions" }, "others": [ { "json": "https://www.anchorterminal.com/compare/airwallex-vs-expensify.json", "title": "Airwallex Spend and Issuing vs Expensify", "url": "https://www.anchorterminal.com/compare/airwallex-vs-expensify" }, { "json": "https://www.anchorterminal.com/compare/airwallex-vs-ramp.json", "title": "Airwallex Spend and Issuing vs Ramp", "url": "https://www.anchorterminal.com/compare/airwallex-vs-ramp" }, { "json": "https://www.anchorterminal.com/compare/bill-vs-expensify.json", "title": "BILL vs Expensify", "url": "https://www.anchorterminal.com/compare/bill-vs-expensify" }, { "json": "https://www.anchorterminal.com/compare/bill-vs-ramp.json", "title": "BILL vs Ramp", "url": "https://www.anchorterminal.com/compare/bill-vs-ramp" }, { "json": "https://www.anchorterminal.com/compare/brex-vs-expensify.json", "title": "Brex vs Expensify", "url": "https://www.anchorterminal.com/compare/brex-vs-expensify" }, { "json": "https://www.anchorterminal.com/compare/brex-vs-ramp.json", "title": "Brex vs Ramp", "url": "https://www.anchorterminal.com/compare/brex-vs-ramp" }, { "json": "https://www.anchorterminal.com/compare/expensify-vs-mercury.json", "title": "Expensify vs Mercury API", "url": "https://www.anchorterminal.com/compare/expensify-vs-mercury" }, { "json": "https://www.anchorterminal.com/compare/expensify-vs-pleo.json", "title": "Expensify vs Pleo API + MCP", "url": "https://www.anchorterminal.com/compare/expensify-vs-pleo" }, { "json": "https://www.anchorterminal.com/compare/expensify-vs-spendesk.json", "title": "Expensify vs Spendesk API + MCP", "url": "https://www.anchorterminal.com/compare/expensify-vs-spendesk" }, { "json": "https://www.anchorterminal.com/compare/mercury-vs-ramp.json", "title": "Mercury API vs Ramp", "url": "https://www.anchorterminal.com/compare/mercury-vs-ramp" }, { "json": "https://www.anchorterminal.com/compare/pleo-vs-ramp.json", "title": "Pleo API + MCP vs Ramp", "url": "https://www.anchorterminal.com/compare/pleo-vs-ramp" }, { "json": "https://www.anchorterminal.com/compare/ramp-vs-spendesk.json", "title": "Ramp vs Spendesk API + MCP", "url": "https://www.anchorterminal.com/compare/ramp-vs-spendesk" } ], "scores": [ { "by": 32, "edge": "expensify", "expensify": 62, "key": "reliability", "name": "Reliability", "ramp": 30, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 58, "edge": "ramp", "expensify": 28, "key": "schema", "name": "Schema \u0026 documentation", "ramp": 86, "weight": 13 }, { "by": 21, "edge": "ramp", "expensify": 45, "key": "ergonomics", "name": "Agent ergonomics", "ramp": 66, "weight": 13 }, { "by": 45, "edge": "ramp", "expensify": 34, "key": "security", "name": "Security \u0026 auth", "ramp": 79, "weight": 14 }, { "by": 5, "edge": "expensify", "expensify": 30, "key": "payments", "name": "Payments \u0026 pricing", "ramp": 25, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 51, "edge": "ramp", "expensify": 23, "key": "maintenance", "name": "Maintenance \u0026 community", "ramp": 74, "weight": 7 }, { "by": 12, "edge": "ramp", "expensify": 58, "key": "transparency", "name": "Transparency \u0026 trust", "ramp": 70, "weight": 7 } ], "summary": "Ramp scores 57.3 (C) on agent readiness against Expensify's 41.1 (E), and leads in 5 of 7 scored categories. Expensify leads on reliability and payments \u0026 pricing. Both do spend transactions.", "verdicts": { "expensify": "One endpoint exports reports through caller-written templates and creates expenses, reports, rules and workspace settings, with limits of 5 requests per 10 seconds published and a status page that tracks the API separately. There is no OpenAPI spec, changelog, SDK, pagination or idempotency key, and one credential pair carries the whole account's rights.", "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." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/expensify-vs-ramp", "json": "https://www.anchorterminal.com/compare/expensify-vs-ramp.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/expensify-vs-ramp.md", "slim": "https://www.anchorterminal.com/compare/expensify-vs-ramp.min.md" }, "markdown": "Ramp scores 57.3 (C) on agent readiness against Expensify's 41.1 (E), and leads in 5 of 7 scored categories. Expensify leads on reliability and payments \u0026 pricing. Both do spend transactions.\n\n- Expensify: grade E, 41.1/100, rank #684 of 722. Markdown https://www.anchorterminal.com/tools/expensify.md · JSON https://www.anchorterminal.com/api/v1/tools/expensify.json\n- 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\n\n## Which one, for what\n\n### Expensify (E)\n\nGood for: A finance team already on Expensify that wants an agent to export approved reports to an accounting system, create expenses and reports, keep categories, tags and employees in step with an HR system, or mark reports reimbursed.\n\nAhead on:\n- Reliability, 62 against 30\n- Payments \u0026 pricing, 30 against 25\n\nAlso in its favour:\n- No incidents deducted, where Ramp loses 3 points for them\n\nWatch for: No OpenAPI spec, llms.txt, version number or changelog was found for the Integration Server API\n\n### Ramp (C)\n\nGood 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.\n\nAhead on:\n- Schema \u0026 documentation, 86 against 28\n- Agent ergonomics, 66 against 45\n- Security \u0026 auth, 79 against 34\n- Maintenance \u0026 community, 74 against 23\n- Transparency \u0026 trust, 70 against 58\n\nWatch 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\n\n\n## Score by category\n\n| Category | Weight | Expensify | Ramp | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 62 | 30 | Expensify +32 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 28 | 86 | Ramp +58 |\n| Agent ergonomics | 13% (16.2 this run) | 45 | 66 | Ramp +21 |\n| Security \u0026 auth | 14% (17.5 this run) | 34 | 79 | Ramp +45 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 30 | 25 | Expensify +5 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 23 | 74 | Ramp +51 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 58 | 70 | Ramp +12 |\n| Negative events | ≤15 | 0 | -3 | |\n| **Total** | | **41.1 · E** | **57.3 · C** | |\n\n## Facts side by side\n\n| Fact | Expensify | Ramp |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Expensify, Inc. | Ramp Business Corporation |\n| Hosted endpoint | `https://integrations.expensify.com/Integration-Server/ExpensifyIntegrations` | `https://api.ramp.com` |\n| Transports | HTTP | HTTP |\n| Auth | OAuth or key | OAuth |\n| Pricing | Freemium | Freemium |\n| x402 | no | no |\n| Licence | Proprietary service under the Expensify Terms of Service. The Expensify app client and help articles on GitHub (Expensify/App) are MIT | Proprietary service under the Ramp Platform Agreement and the API Agreement. The ramp-cli repository is MIT |\n| Read-only variant documented | yes | no |\n| llms.txt | no | yes |\n| Last release | none | 2026-10-07 |\n| Terms last updated | 2026-09-10 | couldn't be read |\n| Privacy policy last updated | 2026-04-01 | couldn't be read |\n| Customer content may train models | not found in the text | couldn't be read |\n| Terms restrict automated access | yes | couldn't be read |\n| Terms restrict benchmarking | not found in the text | couldn't be read |\n| Terms or service can change without notice | yes | couldn't be read |\n| Arbitration or class-action waiver | yes | couldn't be read |\n| Popularity | none | 53 stars |\n\n## Verdicts\n\n**Expensify.** One endpoint exports reports through caller-written templates and creates expenses, reports, rules and workspace settings, with limits of 5 requests per 10 seconds published and a status page that tracks the API separately. There is no OpenAPI spec, changelog, SDK, pagination or idempotency key, and one credential pair carries the whole account's rights.\n\n**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.\n\n## Before you call either\n\n### Expensify\n\n1. POST `requestJobDescription` as a form field to the single endpoint. Keep it out of the URL query string, because it carries the secret\n2. Read `responseCode` in the body on every reply. HTTP status can be 200 on failure, and validation errors use 410\n3. Stay under 5 requests per 10 seconds and 20 per 60 seconds. No Retry-After header is documented, so space retries yourself\n4. Export in two calls. A `file` job returns a filename, then a `download` job fetches it. Amounts are in cents\n5. Don't retry a create job blindly. No idempotency key exists, so export and check before resending. Set `dry-run` to true when testing the Advanced Employee Updater\n\n### Ramp\n\n1. Send `scope` on the client credentials token request. Without it Ramp issues a token with no scopes and every resource call fails with 403\n2. Follow the full URL in `next` to page. `page_size` defaults to 20 and stops at 100, and the cursor is opaque\n3. 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\n4. 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\n5. Send `X-Idempotency-Key` when creating funds or procurement requests. Elsewhere a retried POST can create a duplicate, so read back before retrying\n\n## Questions\n\n### Which is better for AI agents, Expensify or Ramp?\n\nRamp scores 57.3 (C) on agent readiness against Expensify's 41.1 (E), and leads in 5 of 7 scored categories. Expensify leads on reliability and payments \u0026 pricing.\n\n### Do Expensify and Ramp need an API key?\n\nExpensify takes an API key or an OAuth sign-in. Ramp uses an OAuth sign-in.\n\n### Can an agent call Expensify and Ramp without installing anything?\n\nYes. Expensify has a hosted endpoint at https://integrations.expensify.com/Integration-Server/ExpensifyIntegrations and Ramp at https://api.ramp.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/expensify-vs-ramp.json, and with the fewest tokens: https://www.anchorterminal.com/compare/expensify-vs-ramp.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"expensify\", \"b\": \"ramp\"}`. From a terminal: `anchor compare expensify ramp`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/expensify.json and https://www.anchorterminal.com/api/v1/tools/ramp.json\n\n## Other comparisons with Expensify or Ramp\n\n- [Airwallex Spend and Issuing vs Expensify](https://www.anchorterminal.com/compare/airwallex-vs-expensify.md)\n- [Airwallex Spend and Issuing vs Ramp](https://www.anchorterminal.com/compare/airwallex-vs-ramp.md)\n- [BILL vs Expensify](https://www.anchorterminal.com/compare/bill-vs-expensify.md)\n- [BILL vs Ramp](https://www.anchorterminal.com/compare/bill-vs-ramp.md)\n- [Brex vs Expensify](https://www.anchorterminal.com/compare/brex-vs-expensify.md)\n- [Brex vs Ramp](https://www.anchorterminal.com/compare/brex-vs-ramp.md)\n- [Expensify vs Mercury API](https://www.anchorterminal.com/compare/expensify-vs-mercury.md)\n- [Expensify vs Pleo API + MCP](https://www.anchorterminal.com/compare/expensify-vs-pleo.md)\n- [Expensify vs Spendesk API + MCP](https://www.anchorterminal.com/compare/expensify-vs-spendesk.md)\n- [Mercury API vs Ramp](https://www.anchorterminal.com/compare/mercury-vs-ramp.md)\n- [Pleo API + MCP vs Ramp](https://www.anchorterminal.com/compare/pleo-vs-ramp.md)\n- [Ramp vs Spendesk API + MCP](https://www.anchorterminal.com/compare/ramp-vs-spendesk.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-08", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Expensify vs Ramp", "url": "" } ], "description": "Ramp scores 57.3 (C) on agent readiness against Expensify's 41.1 (E), and leads in 5 of 7 scored categories. Expensify leads on reliability and payments \u0026 pricing. Both do spend transactions. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "Expensify E 41.1", "Ramp C 57.3", "scores" ], "h1": "Expensify vs Ramp", "image": "https://www.anchorterminal.com/assets/og/compare-expensify-vs-ramp.png", "path": "/compare/expensify-vs-ramp", "published": "2026-10-01", "section": "tools", "title": "Expensify vs Ramp for AI agents, E 41.1 vs C 57.3 | Anchor Terminal", "toc": null, "updated": "2026-10-08", "url": "https://www.anchorterminal.com/compare/expensify-vs-ramp" }, "tokens": { "markdown": 2200, "slim": 780 }, "version": 1 }