# Expensify vs Ramp

> 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 & pricing. Both do spend transactions. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/expensify-vs-ramp
- Markdown: https://www.anchorterminal.com/compare/expensify-vs-ramp.md (~2,200 tokens)
- Slim: https://www.anchorterminal.com/compare/expensify-vs-ramp.min.md (~780 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/expensify-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

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 & pricing. Both do spend transactions.

- 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
- 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

### Expensify (E)

Good 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.

Ahead on:
- Reliability, 62 against 30
- Payments & pricing, 30 against 25

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

Watch for: No OpenAPI spec, llms.txt, version number or changelog was found for the Integration Server API

### 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:
- Schema & documentation, 86 against 28
- Agent ergonomics, 66 against 45
- Security & auth, 79 against 34
- Maintenance & community, 74 against 23
- Transparency & trust, 70 against 58

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 | Expensify | Ramp | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 62 | 30 | Expensify +32 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 28 | 86 | Ramp +58 |
| Agent ergonomics | 13% (16.2 this run) | 45 | 66 | Ramp +21 |
| Security & auth | 14% (17.5 this run) | 34 | 79 | Ramp +45 |
| Payments & pricing | 10% (12.5 this run) | 30 | 25 | Expensify +5 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 23 | 74 | Ramp +51 |
| Transparency & trust | 7% (8.8 this run) | 58 | 70 | Ramp +12 |
| Negative events | ≤15 | 0 | -3 | |
| **Total** | | **41.1 · E** | **57.3 · C** | |

## Facts side by side

| Fact | Expensify | Ramp |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Expensify, Inc. | Ramp Business Corporation |
| Hosted endpoint | `https://integrations.expensify.com/Integration-Server/ExpensifyIntegrations` | `https://api.ramp.com` |
| Transports | HTTP | HTTP |
| Auth | OAuth or key | OAuth |
| Pricing | Freemium | Freemium |
| x402 | no | no |
| 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 |
| Read-only variant documented | yes | no |
| llms.txt | no | yes |
| Last release | none | 2026-10-07 |
| Terms last updated | 2026-09-10 | couldn't be read |
| Privacy policy last updated | 2026-04-01 | couldn't be read |
| Customer content may train models | not found in the text | couldn't be read |
| Terms restrict automated access | yes | couldn't be read |
| Terms restrict benchmarking | not found in the text | couldn't be read |
| Terms or service can change without notice | yes | couldn't be read |
| Arbitration or class-action waiver | yes | couldn't be read |
| Popularity | none | 53 stars |

## 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.

## Before you call either

### Expensify

1. POST `requestJobDescription` as a form field to the single endpoint. Keep it out of the URL query string, because it carries the secret
2. Read `responseCode` in the body on every reply. HTTP status can be 200 on failure, and validation errors use 410
3. Stay under 5 requests per 10 seconds and 20 per 60 seconds. No Retry-After header is documented, so space retries yourself
4. Export in two calls. A `file` job returns a filename, then a `download` job fetches it. Amounts are in cents
5. 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

### 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, Expensify or Ramp?

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 & pricing.

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

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

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

Yes. Expensify has a hosted endpoint at https://integrations.expensify.com/Integration-Server/ExpensifyIntegrations and Ramp at https://api.ramp.com.


## For agents

- 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
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "expensify", "b": "ramp"}`. From a terminal: `anchor compare expensify ramp`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/expensify.json and https://www.anchorterminal.com/api/v1/tools/ramp.json

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