# Expensify vs Ramp (slim)

> 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.

- Full: https://www.anchorterminal.com/compare/expensify-vs-ramp.md (~2,200 tokens) · this version ~780 tokens · JSON https://www.anchorterminal.com/compare/expensify-vs-ramp.json · canonical https://www.anchorterminal.com/compare/expensify-vs-ramp
- Index: https://www.anchorterminal.com/llms.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: E 41.1, rank #684 of 722 · https://www.anchorterminal.com/tools/expensify.min.md
- Ramp: C 57.3, rank #478 of 722 · https://www.anchorterminal.com/tools/ramp.min.md
- Expensify, 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 No incidents deducted, where Ramp loses 3 points for them.
- Ramp, 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.

| Category | Expensify | Ramp |
| --- | --- | --- |
| Reliability (16%) | 62 | 30 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 28 | 86 |
| Agent ergonomics (13%) | 45 | 66 |
| Security & auth (14%) | 34 | 79 |
| Payments & pricing (10%) | 30 | 25 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 23 | 74 |
| Transparency & trust (7%) | 58 | 70 |

| Fact (where they differ) | Expensify | Ramp |
| --- | --- | --- |
| Vendor | Expensify, Inc. | Ramp Business Corporation |
| Hosted endpoint | `https://integrations.expensify.com/Integration-Server/ExpensifyIntegrations` | `https://api.ramp.com` |
| Auth | OAuth or key | OAuth |
| 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 |