# Compare Wave vs Ramp 2026 | Capterra

> Unsure of what to choose? Check Capterra to compare Wave and Ramp based on pricing, features, product details, and verified reviews.

Source: https://www.capterra.com/compare/178021-207081/Wave-Apps-vs-Ramp

---

# Wave vs Ramp Features and Cost Comparison

Last updated March 13th, 2026

Provider data verified by our Software Research team, and reviews  
moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/)

Your comparison:

WaveRamp2/4 selected

[Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.4 (1,719)](https://www.capterra.com/p/178021/Wave-Apps/reviews/)

[Ramp](https://www.capterra.com/p/207081/Ramp/)[4.9 (216)](https://www.capterra.com/p/207081/Ramp/reviews/)

[## Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.4 (1,719)](https://www.capterra.com/p/178021/Wave-Apps/reviews/)

Starting Price

$19.00/month

Value-for-Money

4.6

Functionality

4.2

Ease of Use

4.4

Customer Service

4

Reviews Sentiment

Based on [1,719 reviews](#user-reviews)

Positive

1,503

Neutral

107

Negative

109

[## Ramp](https://www.capterra.com/p/207081/Ramp/)[4.9 (216)](https://www.capterra.com/p/207081/Ramp/reviews/)

Starting Price

$15.00/month

Value-for-Money

4.8

Functionality

4.8

Ease of Use

4.9

Customer Service

4.6

Reviews Sentiment

Based on [216 reviews](#user-reviews)

Positive

210

Neutral

4

Negative

2

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What’s your intended use case?

## Summary

* * *

Key features rated by users

Features selected based on 7,457 reviews from accounting software users.  
about the Fit Score methodology.

Fit Score methodology

Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about.

  

If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology

71%Fit

Missing features

Feature ratings

Chart of Accounts

4.7

Income & Balance Sheet

4.5

Data Security

4.3

Document Management

NA

Financial Reporting

4.4

\--%Fit

Missing features

Not enough reviews

Feature ratings

Chart of Accounts

NA

Income & Balance Sheet

\--

Data Security

NA

Document Management

NA

Financial Reporting

4.8

User satisfaction

User satisfaction

4.4

User reviews[1,719](https://www.capterra.com/p/178021/Wave-Apps/reviews/)

Ease of use

4.4

Functionality

4.2

Value for money

4.6

Customer support

4.0

User satisfaction

4.9

User reviews[216](https://www.capterra.com/p/207081/Ramp/reviews/)

Ease of use

4.9

Functionality

4.8

Value for money

4.8

Customer support

4.6

Price starts from

Price starts from

$19Flat Rate, Per Month

-   Free version
-   Free trial

Price starts from

$15Per User, Per Month

-   Free version
-   Free trial

Best for

Best for

Wave helps small business owners, freelancers, solopreneurs, and consultants in the US and Canada manage accounting, payroll, invoicing, estimating and other processes.

Best for

Finance and accounting teams at mid-sized companies across all industries who want a better way to track and control spend, reimburse employees and match receipts, and speed up accounting processes.

## User reviews

Pros & cons

Ron W.

Property Management, Development and Investment

> "Love the free version but it’s super basic and limited but upgrading to paid version is very expensive when using it for more than 1 business and offers..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7057865)

KW

Kristyne W.

Travel Advisor

> "I tried to set up a way to send invoices and receive payments through Wave, but even after I was approved, they removed my access due to a blanket..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7100967)

Amber M.

Owner

> "The option to create recurring invoices has been amazing, as well as the reports I can pull at the end of each year."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7117842)

ML

Melissa L.

Admin siding installer

> "A major pain point for users is the lack of robust, live customer support for free users, who are generally limited to an online help center and chatbot."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7032951)

KC

Kimberly C.

Administrative Consultant

> "I did like that there is a free option available. If you are just starting out as a new business owner and want to get your bookkeeping and invoicing..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7070138)

BT

Brianna T.

Lead Editor

> "Wave filed my quarterly state taxes incorrectly, leaving me with penalties and interest that they refuse to reimburse me for."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7019364)

PM

Pauline M.

Owner - Manager

> "The automation with sync banking and categorizing expenses and income is vey useful for identifying balancing books keeping your tasks on track."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6863968)

VR

Verified Reviewer

Engineer

> "Payment processing fees are a bit high, and customer support is limited if you don't pay for a plan."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7076148)

AC

Aaron C.

Founder and CEO

> "It's easy to navigate and makes the quoting, invoicing, and payment processes very streamlined -- while accepting payments from all major credit cards in..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7030509)

NB

Nick B.

President

> "Excellent for almost two years until doing my taxes this year and lost the ability to export transactions without upgrading my plan."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7088399)

CV

Criselen V.

Owner

> "It lets me save customer info and items with their price so that I can easily add it when making a new invoice."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6886239)

Ron W.

Property Management, Development and Investment

> "Lack of connectivity ability to import Banks & Credit Cards transctions"

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7057865)

JM

Jolly M.

Data Associate

> "Wave has the visibility and control needed across accounts payable, global payments, procurement and employee expenses to run business more efficiently..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6602890)

KS

Kathryn S.

Coach and Consultant

> "Wave's integration with my bank has not always worked effectively, and that has caused some problems."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7102433)

DO

Donald O.

Executive Technical Director

> "Wave has robust features that enables me to eradicate manual processes during data entry in various aspects such as bank reconciliation, AP and AR."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6390842)

Ron W.

Property Management, Development and Investment

> "Poor Value for the money with paid version because each account requires additional pay subscription"

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7057865)

MHE

Michael Herbert E.

Furniture Salesperson

> "It is like a piece of cake, the creation of invoices is very fast and the bank sync functionality works well to connect automatically from my bank account..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6728053)

ZD

Zeah D.

CPA, Owner

> "The transaction screen and recording process with it listing everything in the main screen, is sometimes hard to track, especially if all the accounts are..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6626409)

PS

Perry S.

Property Manager

> "I'm able to use their free tier to reconcile my accounts, automatically import transactions, send professional invoices, and produce financial reports..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6562834)

HM

Heather M.

Therapist

> "Their AI tool is alright but makes mistakes. When you use their native Checkouts tool for collecting payments, they are categorized in a way that you..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6467656)

FCY

Fu-Chieh Y.

Email Developer

> "I particularly appreciate the extensive customization options available for documents like invoices, allowing them to appear both professional and..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6592682)

AG

Ana G.

CEO

> "It can become cumbersome to manage service inventory, having to create new 'products' for each custom service to then sift through."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6665440)

SJ

Sarah J.

Office Manager

> "I also love that you can individual turn on/off payments for each invoice and estimate."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7026186)

SC

Sean C.

Marketer

> "Some things are just weird, like when they hold the funds or do a review without explanation."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7042580)

WEU

William E U.

Owner

> "I have generally had no issues with the program and when I did have one (the only one), the company support was able to resolve the issue for me in only..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7086796)

Amanda J.

Owner

> "In the recent past, I've had issue with them processing tax payments on time, and their support has significantly decreased from the past."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6782379)

AG

Alessandro G.

Owner, Operator

> "Great for bookkeeping, invoicing, credit card payments, and payroll (before the change)."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6862751)

PS

Perry S.

Property Manager

> "Second, I've encountered a rounding error within bills that has resulted in my Accounts Payable account being a few cents off even after all bills are..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6562834)

TW

Tracey W.

Bookkeeper

> "I do bookkeeping services and this product works well with categorizing income and expenses to generate financials."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6666390)

Tim O.

Partner

> "Wave went silent for weeks, only resolve was to email the company and those went unanswered. "

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7108329)

JC

Jamie C.

CEO

> "Wave provides a cost-effective and efficient platform that simplifies accounting."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6794390)

HM

Heather M.

Therapist

> "The process for automatically categorizing payments and income doesn't work as smoothly as it could."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6467656)

SD

Soma D.

Lead Educator

> "Love that I can clone invoices saving time for repeat services to same clients ( art coaching in my case)"

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6335399)

NB

Nick B.

President

> "I wouldn’t recommend Wave anymore unless you’re prepared to pay just to retrieve your own data."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7088399)

AG

Annie G.

Sr. Accountant

> "The reporting and dashboard functionality is easy to generate and great to track cash flow."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7019878)

AR

Austin R.

director

> "They lied and mislead people into believing their products work across all banks and they don't."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6786484)

EO

Elvis O.

Audit Associate

> "The software is also easy to navigate, making accounting tasks like invoicing, tracking expenses, and managing payments relatively simple."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6599331)

PS

Perry S.

Property Manager

> "Finally, most accountants and bookkeepers use QuickBooks and aren't familiar with Wave, so I don't recommend Wave for anyone with an outsourced bookkeeper..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6562834)

VR

Verified Reviewer

Engineer

> "It is a simple, reliable way to track my income."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7076148)

AR

Alec R.

Owner

> "Spent hundreds of $$ for multiple calls with a help pro who did the work and had me watch but never actually taught me how to do it myself. And then never..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6634637)

WL

Whitney L.

Owner

> "I like the simplicity of the app and the ability to keep track of finances as well as accept ACH payments."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6574695)

BT

Brianna T.

Lead Editor

> "Highly unethical company that does not care about their customers at all."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7019364)

EM

Eric M.

Advisor and CCO

> "Overall good, it sufficient for a small business and has the essentials like balance sheet and P&L"

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6779599)

MC

Marie C.

Executive Director

> "Their Payments by Wave function does not always match the payment to the deposit properly."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6739424)

KS

Kathryn S.

Coach and Consultant

> "I'm not a professional bookkeeper, and I felt way more confident using Wave than I did using Quickbooks."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7102433)

MM

Monica M.

owner

> "They processed my payroll for my employees and then declined it after taking out the money, and then proceeded to tell me the accounting people will take..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#SoftwareAdvice___4958000)

NB

Nick B.

President

> "Great value which helped manage based transactions."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7088399)

AG

Aaron G.

Owner

> "However towards the end of 2024 the customer support has disappeared - no response on the live chat and no response via email."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6691975)

AM

Angela M.

Owner

> "I will eventually move up to one of the paid subscriptions as this program has enabled me to be more professional with invoicing."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6368547)

ZM

Zina M.

Owner

> "As a result of that, they severely limited the features I could use on their product, which left me stranded and search of a new provider because I could..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6169573)

SD

Sienna D.

Massage Therapist

> "It worked well for me for the couple years that I used it, but once they started charging for things I originally had access to, I decided to leave and..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6688373)

TW

Theresa W.

CEO

> "You can't convert a percentage of an estimate to an invoice (industry norm)."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#SoftwareAdvice___6387466)

PH

Paul H.

Owner, Electrician

> "It's very easily customizable with your logo and information, and the invoices look sharp, clean & professional, with multiple options to send the..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___5064893)

JB

Jennifer B.

Mobile Notary

> "Lack of integrations, lack of customization options. "

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6378492)

TA

Turan A.

IT Admin

> "It offers more simplified solutions especially for fast and urgent processes.creation of professional-level visual invoices, income and expense tracking..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___4777057)

AJ

Angel J.

HMIS Operations Manager

> "Wave Accounting does not have advanced features that allow us to directly connect to other systems to import the data through an API instead of manual..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___4894880)

RW

Ronald W.

procurement manager

> "with wave accounting am able to manage business procurement online like it since am able to send invoices and process payments through its payment gate..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___4765642)

NK

Naveed K.

Managing Principal

> "Accounting was a problem."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7031220)

HW

Hasini W.

Software Engineer

> "The real-time financial snapshots and automated processes save our time a lot."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6401796)

JM

Jolly M.

Data Associate

> "It is also disappointing that some banks are not fully implementable on the software."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6602890)

AB

Albert B.

program Accountant ICYD

> "wave accounting is the best tool for accountant i like its user interface and its ability to be used on smart phones such as android witht the application..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___4716746)

AF

Alice F.

Property Maintenance

> "Unfortunately we only use this app for invoicing and not expenses due to the fact that scanning receipts is not yet available in the UK."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___5039189)

BN

Baylee N.

Talent Partner

> "I like the Wave customer support team is very valuable they are always there to answer your questions and concerns."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7028749)

BM

Brie M.

Operations Director

> "Not robust enough for complex accounting situations"

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6624225)

Amber M.

Owner

> "The customer support has always been helpful when I've needed it."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7117842)

NR

Nabasirye R.

sales representative

> "the software is bit expensive for small business due to monthly charges and this may reduce on their ROI however packages for small business should be..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___4771119)

Amber M.

Owner

> "It's super affordable and easy to implement, which was a great starting point when I launched my business!"

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7117842)

MA

Melanie A.

Consultant

> "It’s a tedious process when working on a client with multiple projects and I wish that it was possible to revert an invoice to a quote or copy as an..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___4858454)

Amanda J.

Owner

> "It's very easy to use and can help process payroll, send invoices and keep track of expenses."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6782379)

KN

Kyle N.

Dentist Owner

> "Many issues arose but none was addressed."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6841735)

DM

Dlkhosh M.

CEO

> "Has Unlimited invoicing with customizable templates and payment terms and dedicated invoicing mobile app."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6131062)

JO

John O.

Finance Officer

> "I do not experience challenges with Wave when running accounting projects."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6670711)

Nweke C.

Founder, Lead Designer

> "I loved the app because I could easily manage my business finances from my mobile phone, follow up on due payments, track payments, monitor cashflow, and..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___4732250)

KC

Kelsey C.

Accountant

> "That there is no customer service phone number to talk to someone."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6724007)

GY

Graham Y.

Owner Operator

> "The payment system was great and I received my money fast."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7027007)

NM

Noureddine M.

Logistic manager

> "for the option pay roll it's not available in Quebec"

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6614845)

JM

Jenna M.

Operations

> "Easy to use and pretty conperhensive for invoicing and tracking."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7113566)

AG

Alessandro G.

Owner, Operator

> "Employees have not gotten paid in 6 weeks."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6862751)

MG

Morgan G.

Office Manager

> "Easily start using this product with minimum accounting knowledge or experience - free version gives you the ability to track all you expenses and income,..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___4897686)

PS

Perry S.

Property Manager

> "I have encountered two notable bugs within their software."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6562834)

[View Reviews](https://www.capterra.com/p/178021/Wave-Apps/reviews/)

James L.

Director of Finance

> "They have more logical functions as far as integrations and reporting than their competitors, the speed to vendor payment is..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7061332)

SK

Sarah K.

People Ops Manager

> "Previously, we were issuing physical credit cards from our bank, which made it challenging to get those back or enforce..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6858392)

LH

Lucien H.

VP of GTM

> "Ramp is a must have tool for a fast growing startup like ours. Since we implemented Ramp, we have drastically improved our..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6290878)

SW

Stacey W.

Accounting Manager

> "The user account details and permissions were the one confusing part we ran into with setup."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7027334)

EH

Erin H.

COO

> "Our team is geographically dispersed, but Ramp makes it easy to collaborate on bookkeeping, expense reimbursements, and basic..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6762863)

HC

Harrison C.

CEO

> "There were lots of antiquated offerings, but nothing that met the needs of a 21st Century scaling business."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6818715)

Hillel G.

Director of Implementation

> "Receipt management and physical card management is very nice to have for employees as well as making virtual cards."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6881841)

MS

Michelle S.

Developer

> "Nothing - I think it can be a bit confusing when you are first introduced to the app so I can see it being difficult to learn..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6826033)

SK

Sarah K.

People Ops Manager

> "Additionally, the receipt submission flow makes it easy for purchases to get reviewed and approved as needed."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6858392)

ET

Eric T.

Director, Digital Transformation

> "The most recent update to the website has overcomplicated the end user experience."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6832748)

Pankaj P.

Finance Manager

> "It helps in bill and spend management, Expenses management, Travel Management etc."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6658194)

CE

Charles E.

Vice President, Equipment Analytics

> "It is not fully integrated into our SAP system requiring additional work on our end to transfer work order numbers and service..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019216)

TB

Tiler B.

Office Assisstant

> "I love that you can upload and submit receipts from your mobile phone it makes keeping track of expenses much easier."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6338111)

Enrique A.

Vice President, Human Resources & Administration

> "One challenge we've had is that card authorizations (or merchant holds) take a long time to drop off; and before they do, the..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___5091441)

NK

Nicholas K.

Chief Research Officer

> "Email and text integration is very helpful for quickly attaching receipts and memos to purchases."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6464335)

Ashley B.

Owner

> "Customer support isn't that great though."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7092996)

James L.

Director of Finance

> "I am very satisfied with how we are using it to pay vendors."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7061332)

JH

Janice H.

Reporter

> "I also don't like the system's feature of "deleting" receipts that are photographed and submitted right after a restaurant makes..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6046800)

KS

Kenny S.

Executive Pastor

> "Our users love the ability to submit all required documentation from their phones and administrators love the ability to review..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026867)

SS

Sherry S.

Corp. Secretary

> "Difficulty maneuvering through payment options by having to upload a corresponding billing and not being able to modify a..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6045656)

EH

Erin H.

COO

> "Ramp is easy to use, it integrates well with our internal workflows, and with external systems."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6762863)

AT

Abraham T.

CEO

> "Nevertheless, what they didn't disclose during the process is that they do not offer credit and you are required to maintain a..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___4781208)

ES

Elizabeth S.

Administrative Assistant

> "It helps with organization and ability to have all purchases approved."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6627838)

CS

Cristiano S.

prompt engineer

> "Only had one issue with google wallet, where the max expense was capped at 400$, not sure why, but using the physical card..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6046743)

TW

Tyler W.

Online campus pastor

> "As someone who’s job relies heavily on building relationships and networking the ease of being able to take someone to coffee or..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6035063)

MS

Michelle S.

Director of HR and Training

> "End users do not have the ability to create their own virtual cards to help protect online purchases"

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6034912)

Rebecca B.

AVP

> "I also appreciate the ability to set up rules for tagging the expenses so there's less to fill out each time. And we actually..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6046922)

CR

Chervonne R.

Bookkeeper Office Manager

> "ALSO, the latest update is not ideal with moving items that are ready to process to different tabs."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019266)

CF

Claire F.

Lead of Supply Chain

> "The UX design is simple and is easy to navigate."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7074928)

AT

Abraham T.

CEO

> "So the card may stop working at any given time according to the fluctuations of cash flow in your bank account."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___4781208)

KC

Katherine C.

Chief Operations and Finance Officer

> "Overall Ramp has been user- friendly and easy to navigate and transition into."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7020365)

JH

Jason H.

Rehab Resource Support

> "I had an issue with the app not allowing multiple expense splits but was unable to get customer support to assist."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6035173)

Steve B.

Operations Director

> "We signed up with Ramp just to provide credit cards for a few young employees (who didn't have much credit history), but will..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___4903026)

AZ

Anna Z.

Global Controller

> "Not being able to enter banking instructions under out of pocket reimbursements on behalf of the employees."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026720)

WL

Whitney L.

Owner

> "I like the option it gives for corporate cards and spending."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6546687)

CB

Carol B.

Financial Admin

> "We has no assurance that Ramp would protect us and we still don't know how many of these fraudulent charges will be properly..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6227136)

JV

Jeannie V.

Operations Manager

> "This product make employee expense tracking so easy!"

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6766027)

CR

Cindy R.

COO CFO

> "Signing up new employees for cards is confusing as multiple ways to do it. "

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019957)

VR

Verified Reviewer

Account Executive

> "Their corporate card is easy to use and has the proper controls in place to ensure security and spend control."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6460782)

KW

Kimberly W.

Office Administrator

> "The only real negative I've found is the lack of seamless integration with Amazon."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6046958)

VR

Verified Reviewer

Business Development Associate

> "I also like that Ramp quickly attaches my receipts to credit card expenses without me having to individually do it for each..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026693)

SS

Sonny S.

ap

> "it was very expensive relative to others"

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6734537)

RN

Robert N.

Senior Accountant

> "The ability to require receipts and memo's be recording quickly has saved us many administrative hours in hunting down..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019271)

MR

Monica R.

Community Care Specialist

> "I’ve attempted to FU from within the app, but it did not message to the receiver."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6035070)

LH

Lucien H.

VP of GTM

> "Ramp is an incredibly powerful tool with a rich feature set delivered by a very high performing team."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6290878)

MK

Murat K.

COO

> "It took my school to let us use credit cards for years."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026771)

SR

Shahab R.

Field Analyst

> "The ability to text your receipts to Ramp is the feature that you will use all day, every day."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019300)

VN

V N.

VP of Tech

> "Annoying to have to reenter the same fields for recurring expenses"

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019220)

CW

Catherine W.

Area Sales Manager

> "I like that once I make a purchase using my Ramp card I immediately receive a text message that asked me for description."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026866)

SS

Shelby S.

Preparedness Webinar Consultant

> "Sometimes the website is a little harder to navigate."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6023393)

VR

Verified Reviewer

Business Development Associate

> "I like that Ramp helps me track the mileage I've driven so that I get reimbursed properly."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026693)

PJ

Peter J.

Controller

> "Wish there was a little better way to controll what users spend."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6047281)

CR

Chervonne R.

Bookkeeper Office Manager

> "Ramp has truly made life with company card, expense tracking and vendor management and payables!"

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019266)

GM

Gabriel M.

Accounting Manager

> "Cannot fathom how we did things so manually in the past without Ramp."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026641)

CC

Clair C.

Senior Manager of Human Resources

> "It worked very well for our needs and ended up being such a timesaver."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6655145)

CB

Carol B.

Financial Admin

> "The onboarding was weak to non-existent."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6227136)

WS

William S.

Senior Application Security Engineer

> "I use Ramp mostly for tracking expenses related to business travel - it makes this simple and easy."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019242)

AS

Angela S.

Dir. of Special Projects

> "There isn't a feature I don't like about it."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026657)

JR

Jessica R.

Project Architect

> "The Virtual Ramp Card is great because it accurately sets spending caps, helping employees stick to a spending plan without..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___4468793)

BG

Brian G.

Parts Manager

> "I do not see the costs in my role"

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019247)

JM

Jo M.

Director for HR

> "Each step along the way couldn't be more easy."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6847211)

Jenna J.

Accounting Specialist

> "I don't like that if you start with a virtual card and then decide that you want a physical card, that you have to get an..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___2812026)

JV

Joelle V.

Accounting Manager

> "Its features are above and beyond any other program I looked into."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6864416)

JM

Jessica M.

Director of Finance

> "Our previous provider was lacking with receipt management, expense categorization, and expediency around card issuance. "

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___2778304)

CC

Clair C.

Senior Manager of Human Resources

> "Super easy interface for both admins and users."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6655145)

JJ

Joyce J.

Office Manager

> "It is NOT a frequent issue."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___3197665)

LH

Lucien H.

VP of GTM

> "The spend dashboards are incredibly intuitive and easy to analyse."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6290878)

MDB

Misty D. B.

Accounting

> "Currently, there is no personal reimbursement option. "

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___2327755)

[View Reviews](https://www.capterra.com/p/207081/Ramp/reviews/)

## User interface

[Wave](https://www.capterra.com/p/178021/Wave-Apps/)

4.38 (1,719)

[Ramp](https://www.capterra.com/p/207081/Ramp/)

4.86 (216)

## Connect with a Capterra advisor for a free 15-minute consultation

Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs.

### Features

Do these products fit your needs?

Prioritize real-user-identified key features according to your needs to find your best fit.

\--% Fit

vs

\--% Fit

Access Controls/Permissions

207

Important

Accounts Payable

150

Important

Accounts Receivable

120

Important

Wave

Top features

31/45

-   Access Controls/Permissions
-   Accounts Payable
-   Accounts Receivable
-   Activity Dashboard
-   Activity Tracking
-   AI Copilot
-   API
-   Approval Process Control
-   Audit Management
-   Audit Trail
-   Bank Reconciliation
-   Billing & Invoicing
-   Budgeting/Forecasting
-   Cash Flow Management
-   Chart of Accounts
-   Compliance Management
-   Currency Conversion
-   Data Security
-   Document Management
-   Encryption
-   Expense Tracking
-   Financial Consolidation & Close Management
-   Financial Management
-   Financial Reporting
-   Fixed Asset Management
-   Fund Accounting
-   General Ledger
-   Generative AI
-   Income & Balance Sheet
-   Mobile Access
-   Multi-Currency
-   Multi-Location
-   Payment Processing
-   Payroll Management
-   Project Accounting
-   Purchase Order Management
-   Quotes/Estimates
-   Receipt Management
-   Recurring/Subscription Billing
-   Reminders
-   Sales Tax Management
-   Status Tracking
-   Tax Management
-   Third-Party Integrations
-   Workflow Management

[See all features](https://www.capterra.com/p/178021/Wave-Apps/#features)

Ramp

29/45

-   Access Controls/Permissions
-   Accounts Payable
-   Accounts Receivable
-   Activity Dashboard
-   Activity Tracking
-   AI Copilot
-   API
-   Approval Process Control
-   Audit Management
-   Audit Trail
-   Bank Reconciliation
-   Billing & Invoicing
-   Budgeting/Forecasting
-   Cash Flow Management
-   Chart of Accounts
-   Compliance Management
-   Currency Conversion
-   Data Security
-   Document Management
-   Encryption
-   Expense Tracking
-   Financial Consolidation & Close Management
-   Financial Management
-   Financial Reporting
-   Fixed Asset Management
-   Fund Accounting
-   General Ledger
-   Generative AI
-   Income & Balance Sheet
-   Mobile Access
-   Multi-Currency
-   Multi-Location
-   Payment Processing
-   Payroll Management
-   Project Accounting
-   Purchase Order Management
-   Quotes/Estimates
-   Receipt Management
-   Recurring/Subscription Billing
-   Reminders
-   Sales Tax Management
-   Status Tracking
-   Tax Management
-   Third-Party Integrations
-   Workflow Management

[See all features](https://www.capterra.com/p/207081/Ramp/#features)

### Recognition

No recognitions have been awarded to Wave

No recognitions have been awarded to Ramp

### Deployment & support

Wave

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

Ramp

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

### Company Details

Wave

-   By Wave
-   Located in Canada
-   Founded in 2009

Ramp

-   By Ramp Financial
-   Located in United States
-   Founded in 2019

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