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Compare Melio and Ramp 
Featured Products
At a Glance
Market Segments
Small-Business (94.2% of reviews)
Small-Business (58.5% of reviews)
Entry-Level Pricing
Free
Free
Melio
Star Rating
(245)4.5 out of 5
Market Segments
Small-Business (94.2% of reviews)
Pros & Cons
Entry-Level Pricing
Free
Free Trial is available
Browse all 4 pricing plansRamp
Star Rating
(2,285)4.8 out of 5
Market Segments
Small-Business (58.5% of reviews)
Pros & Cons
Entry-Level Pricing
Free
Free Trial is available
Browse all 3 pricing plansSummary
AI Generated Summary
AI-generated. Powered by real user reviews.
- G2 reviewers report that Ramp excels in overall user satisfaction, reflected in its higher G2 Score compared to Melio. Users appreciate the platform's intuitive design and comprehensive expense tracking, making it a favorite for small businesses looking to manage finances efficiently.
- Users say that Melio simplifies vendor payments significantly, with features like scheduling and automation that enhance the payment process. Reviewers highlight the ease of paying vendors via ACH or card, even when vendors do not accept cards, which adds flexibility to their payment options.
- According to verified reviews, Ramp's customer support stands out, with many users praising the responsiveness and helpfulness of the support team. This level of service is particularly beneficial for small businesses that may need quick assistance with their financial management.
- Reviewers mention that while Melio is user-friendly, it sometimes struggles with specific workflow needs, leading to configuration challenges. However, users appreciate the clean UI and straightforward approval processes, which help streamline their payment operations.
- Users highlight Ramp's versatility, noting that it allows them to manage various work-related expenses, including travel and meals, all in one place. This comprehensive approach to expense management is a significant advantage for businesses looking to consolidate their financial tools.
- G2 reviewers indicate that while both platforms offer free entry-level pricing, Ramp's broader feature set and higher ratings in areas like ease of setup and quality of support make it a more robust choice for businesses seeking a reliable financial management solution.
Pricing
Entry-Level Pricing
Melio
Melio Go
Free
Melio Go is free and ideal for businesses looking to enhance cash flow, streamline payments, and handle transactions however they prefer.
- 5 free ACH transfers per month
- 10 free syncs with QuickBooks Online & Xero
- Pay by card or bank—vendor receives check, ACH, or wire transfers
Ramp
Ramp
Free
Control spend, automate payments, and close the books faster for greater financial health on the ultimate platform.
- Unlimited cards and smart controls
- Automated receipt collection and matching
- Expense and mileage reimbursements
Free Trial
Melio
Free Trial is available
Ramp
Free Trial is available
Ratings
Meets Requirements
8.7
202
9.4
1,760
Ease of Use
9.2
204
9.5
1,802
Ease of Setup
9.0
150
9.3
1,129
Ease of Admin
9.0
101
9.4
1,064
Quality of Support
8.3
178
9.2
1,477
Has the product been a good partner in doing business?
8.9
101
9.5
1,049
Product Direction (% positive)
8.4
185
9.8
1,686
Features by Category
Expense Reports
Not enough data
9.1
908
Not enough data
9.3
1051
Not enough data
9.0
1000
Not enough data
9.6
1153
Not enough data
9.4
913
Not enough data
8.6
483
Not enough data
Feature Not Available
Agentic AI - Expense Management
Not enough data
7.5
48
Not enough data
8.2
48
Travel Management
Not enough data
Feature Not Available
Not enough data
8.1
463
Not enough data
Feature Not Available
Not enough data
8.5
505
Client Invoicing
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Mobile
Not enough data
9.6
1132
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Platform
Not enough data
8.6
685
Not enough data
8.8
728
Administration
Not enough data
8.9
501
Administration
Not enough data
9.0
850
Not enough data
9.3
961
Not enough data
9.4
1101
Not enough data
9.3
996
Not enough data
9.4
1067
Platform
Not enough data
9.1
921
Not enough data
8.9
694
Not enough data
Feature Not Available
Not enough data
9.5
1059
Not enough data
9.0
738
Not enough data
Feature Not Available
Payment Methods
9.3
7
Not enough data
9.3
7
Not enough data
9.8
7
Not enough data
Payment Processing
8.1
7
Not enough data
9.3
7
Not enough data
8.3
7
Not enough data
8.6
7
Not enough data
8.1
7
Not enough data
8.6
7
Not enough data
9.3
7
Not enough data
Security and Compliance
7.6
7
Not enough data
7.6
7
Not enough data
7.6
7
Not enough data
8.1
7
Not enough data
7.6
7
Not enough data
7.6
7
Not enough data
Integration
7.9
7
Not enough data
7.6
7
Not enough data
7.9
7
Not enough data
Payment Types
9.4
6
Not enough data
7.5
6
Not enough data
7.2
6
Not enough data
Agentic AI - Enterprise Payment
Not enough data
Not enough data
Setup
Not enough data
9.0
665
Not enough data
9.3
816
Not enough data
9.2
470
Performance
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
8.2
458
Not enough data
8.8
589
Payment Cards
Not enough data
9.4
630
Not enough data
9.5
666
Not enough data
9.5
723
Reporting
Not enough data
9.5
720
Not enough data
9.2
607
Not enough data
9.1
588
Not enough data
Feature Not Available
Payments
Not enough data
9.2
575
Not enough data
9.2
597
Not enough data
9.2
650
Not enough data
9.2
571
Fraud & Risk Management
Not enough data
9.3
742
Not enough data
9.4
716
Not enough data
9.4
710
Agentic AI - Spend Management
Not enough data
7.6
56
Planning
Not enough data
9.1
37
Not enough data
8.0
36
Not enough data
8.5
36
Not enough data
8.2
34
Execution
Not enough data
8.2
35
Not enough data
8.8
37
Not enough data
8.0
34
Analytics
Not enough data
9.0
38
Not enough data
9.1
38
Not enough data
8.7
42
Agentic AI - Procure to Pay
Not enough data
7.6
9
Data Management
Not enough data
8.5
49
Not enough data
9.1
50
Not enough data
8.2
47
Not enough data
9.1
50
Not enough data
8.8
48
Agentic AI - Accounts Payable (AP) and Spend Analysis
Not enough data
7.6
18
Analytics
Not enough data
7.9
45
Not enough data
8.0
44
Not enough data
8.3
46
Not enough data
8.7
47
Recovery
Not enough data
9.0
47
Not enough data
8.1
43
AP Data Processing
Not enough data
9.0
47
Not enough data
9.1
47
Not enough data
9.3
46
Invoice Management
8.5
41
9.2
129
7.5
37
Feature Not Available
7.7
37
8.7
122
Invoice Processing
7.8
40
8.8
130
9.1
46
9.2
133
8.5
41
9.1
134
7.3
31
Feature Not Available
Analytics
8.7
41
9.0
129
Feature Not Available
Feature Not Available
Feature Not Available
Feature Not Available
Integration
9.1
43
9.1
135
8.7
43
Feature Not Available
Feature Not Available
8.6
120
Risk
8.0
35
Feature Not Available
7.6
34
Feature Not Available
7.4
31
Feature Not Available
Recovery
7.8
28
Feature Not Available
8.0
33
Feature Not Available
Audit
6.8
30
Feature Not Available
7.0
28
Feature Not Available
6.7
30
8.1
113
6.9
32
8.7
121
Fraud
7.5
31
Feature Not Available
7.6
29
Feature Not Available
7.8
27
Feature Not Available
Agentic AI - AP Automation
Not enough data
6.1
14
Not enough data
5.8
14
Not enough data
6.4
14
Invoice Generation
8.7
47
Not enough data
9.2
54
Not enough data
8.5
48
Not enough data
Invoice Processing
8.9
50
Not enough data
8.6
50
Not enough data
8.6
46
Not enough data
8.9
52
Not enough data
Analytics
9.0
59
Not enough data
8.4
48
Not enough data
8.0
44
Not enough data
9.0
56
Not enough data
Integration
8.7
55
Not enough data
8.7
55
Not enough data
8.1
42
Not enough data
8.8
49
Not enough data
Agentic AI - Invoice Management
7.4
7
Not enough data
7.6
7
Not enough data
7.1
7
Not enough data
Payment Processing
9.0
98
Not enough data
8.8
99
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
Administration
Feature Not Available
Not enough data
Feature Not Available
Not enough data
8.2
107
Not enough data
Feature Not Available
Not enough data
8.5
83
Not enough data
8.2
78
Not enough data
8.0
71
Not enough data
Payment Options
Feature Not Available
Not enough data
8.9
115
Not enough data
Security
Feature Not Available
Not enough data
Platform
8.7
103
Not enough data
8.1
72
Not enough data
Expense Reporting
Not enough data
9.5
119
Not enough data
9.4
115
Not enough data
9.4
114
Not enough data
9.4
118
Travel Management
Not enough data
Feature Not Available
Not enough data
8.1
463
Not enough data
Feature Not Available
Not enough data
8.5
505
Approval
Not enough data
9.5
116
Not enough data
9.5
108
Not enough data
9.7
121
AI - Travel Management
Not enough data
8.0
39
Not enough data
8.0
39
Not enough data
8.3
39
Not enough data
8.8
39
Not enough data
8.8
39
Agentic AI - Travel Management
Not enough data
8.1
21
Not enough data
8.1
21
Platform Basics
8.7
43
Not enough data
8.6
42
Not enough data
Platform Administration
7.4
41
Not enough data
7.4
41
Not enough data
7.8
43
Not enough data
Platform Payment Content
7.8
41
Not enough data
7.8
41
Not enough data
6.9
38
Not enough data
Reporting
9.0
34
Not enough data
7.9
31
Not enough data
8.5
35
Not enough data
Integrations
8.7
35
Not enough data
8.1
31
Not enough data
8.2
32
Not enough data
Transactions
8.1
32
Not enough data
9.2
35
Not enough data
8.9
36
Not enough data
Workflows
8.8
32
Not enough data
8.7
33
Not enough data
Agentic AI - Accounts Receivable Automation
Not enough data
Not enough data
AI - Accounts Receivable
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Purchase Requisition and Approval Workflow - Procurement Orchestration
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Supplier Management - Procurement Orchestration
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Spend Management - Procurement Orchestration
Not enough data
Not enough data
Not enough data
Not enough data
Compliance and Risk Management - Procurement Orchestration
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Workflow Automation - Procurement Orchestration
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Agentic AI - Procurement Orchestration
Not enough data
Not enough data
Agentic AI - Accounting & Finance
Not enough data
Not enough data
Agentic AI - Vendor Management
Not enough data
6.4
15
Revenue Recognition
Not enough data
8.6
73
Not enough data
7.1
68
Not enough data
7.3
68
Categories
Categories
Shared Categories
Melio and Ramp are categorized as AP Automation
Unique Categories
Melio is categorized as Payment Processing, Enterprise Payment, Accounts Receivable, Invoice Management, and Contractor Payments
Ramp is categorized as Accounts Payable (AP) and Spend Analysis, Procure to Pay, Spend Management, Travel Management, Expense Management, Vendor Management, and Procurement Orchestration
Reviews
Reviewers' Company Size
Melio
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Ramp
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Small-Business
(50 or fewer emp.)
Mid-Market
(51-1000 emp.)
Enterprise
(> 1000 emp.)
Reviewers' Industry
Accounting
23.7%
Marketing and Advertising
9.1%
Retail
5.0%
Real Estate
4.1%
Consulting
3.7%
Other
54.4%
Computer Software
14.3%
Information Technology and Services
8.9%
Non-Profit Organization Management
6.8%
Financial Services
5.3%
Construction
4.6%
Other
60.2%
Discussions
Is Melio service legit?
4 Comments
SB
Yes, it's fantastic.Read more
What is Melio service?
2 Comments
BC
Melio is an ACH solution that allows you to send and receive payments without any fees. Read more
What is Melio app?
2 Comments
OM
Melio App allows me to conveniently and quickly pay my contractors via ACH. Read more
When can we expect a native iOS app? When can we see Microsoft identity integration?
3 Comments
NS
Hi Jason - Happy to share that our team is heads-down working on a beta release for iOS due in August. No plans for Microsoft SSO on the roadmap, but if...Read more
Ramp has no more discussions with answers
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