# Top 10 Ratio Alternatives & Competitors **Average Rating:** 4.5/5 **Total Number of Reviews:** 27 The Installment Payment and Buy Now Pay Later (BNPL) Software solutions below are the most common alternatives that users and reviewers compare with Ratio. Installment Payment and Buy Now Pay Later (BNPL) Software is a widely used technology, and many people are seeking reliable, productive software solutions with visual configuration, commerical rules, and terms and conditions. Other important factors to consider when researching alternatives to Ratio include billing and response time. The best overall Ratio alternative is Brex. Other similar apps like Ratio are DealHub, NetSuite, Sage Intacct, and PandaDoc. Ratio alternatives can be found in [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) but may also be in [CPQ Software](https://www.g2.com/categories/cpq) or [Expense Management Software](https://www.g2.com/categories/expense-management). ## Best Paid & Free Alternatives to Ratio - [Brex](https://www.g2.com/products/brex/reviews) - [DealHub](https://www.g2.com/products/dealhub/reviews) - [NetSuite](https://www.g2.com/products/oracle-netsuite/reviews) - [Sage Intacct](https://www.g2.com/products/sage-intacct/reviews) - [PandaDoc](https://www.g2.com/products/pandadoc/reviews) - [PayPal Payments](https://www.g2.com/products/paypal/reviews) - [Jotform Sign](https://www.g2.com/products/jotform-sign/reviews) - [Agentforce Revenue Management (formerly Salesforce Revenue Cloud)](https://www.g2.com/products/agentforce-revenue-management-formerly-salesforce-revenue-cloud/reviews) - [Nintex](https://www.g2.com/products/nintex-nintex/reviews) - [Responsive, formerly RFPIO](https://www.g2.com/products/responsive-formerly-rfpio/reviews) ## Top 10 Alternatives to Ratio Recently Reviewed By G2 Community Browse options below. Based on reviewer data, you can see how Ratio stacks up to the competition, check reviews from current & previous users in industries like Business Supplies and Equipment, Health, Wellness and Fitness, and Logistics and Supply Chain, and find the best product for your business. ### 1. [Brex](https://www.g2.com/products/brex/reviews) By Brex **Average Rating:** 4.8/5 **Total Reviews:** 1,584 Manage all your spend – corporate cards, expense management, reimbursements, travel, and bill pay – in one integrated system. Brex corporate cards: issue local currency cards with custom limits, embedded policies, and cash back. Brex expense management: manage every type of spend and payment method – and automate expense reporting globally. Brex travel: book and manage travel with unbiased inventory and 24/7 agent support. Brex bill pay: automate your entire global accounts payable process, from invoice to payment to reconciliation. Reviewers say compared to Ratio, Brex is: - Better at support - Easier to set up - Better at meeting requirements Categories in common with Ratio: [Recurring Revenue Finance](https://www.g2.com/categories/recurring-revenue-finance) **Compare:** [Ratio vs Brex](https://www.g2.com/compare/brex-vs-ratio) **Compare Brex with other alternatives:** - [Brex vs DealHub](https://www.g2.com/compare/brex-vs-dealhub) - [Brex vs NetSuite](https://www.g2.com/compare/brex-vs-oracle-netsuite) - [Brex vs Sage Intacct](https://www.g2.com/compare/brex-vs-sage-intacct) - [Brex vs PandaDoc](https://www.g2.com/compare/brex-vs-pandadoc) - [Brex vs PayPal Payments](https://www.g2.com/compare/brex-vs-paypal) - [Brex vs Jotform Sign](https://www.g2.com/compare/brex-vs-jotform-sign) - [Brex vs Agentforce Revenue Management (formerly Salesforce Revenue Cloud)](https://www.g2.com/compare/agentforce-revenue-management-formerly-salesforce-revenue-cloud-vs-brex) - [Brex vs Nintex](https://www.g2.com/compare/brex-vs-nintex-nintex) - [Brex vs Responsive, formerly RFPIO](https://www.g2.com/compare/brex-vs-responsive-formerly-rfpio) ### 2. [DealHub](https://www.g2.com/products/dealhub/reviews) By DealHub.io **Average Rating:** 4.7/5 **Total Reviews:** 851 Easy to set up and easy to use, DealHub award-winning Sales Engagement and CPQ platform lets you share relevant content, quickly produce error-free quotes, track buyer engagement and automate sales workflows and approvals. DealHub is fully native within Salesforce and Microsoft Dynamics CRM. Reviewers say compared to Ratio, DealHub is: - Better at support - Better at meeting requirements Categories in common with Ratio: [Proposal](https://www.g2.com/categories/proposal), [Subscription Billing](https://www.g2.com/categories/subscription-billing) **Compare:** [Ratio vs DealHub](https://www.g2.com/compare/dealhub-vs-ratio) **Compare DealHub with other alternatives:** - [DealHub vs Brex](https://www.g2.com/compare/brex-vs-dealhub) - [DealHub vs NetSuite](https://www.g2.com/compare/dealhub-vs-oracle-netsuite) - [DealHub vs Sage Intacct](https://www.g2.com/compare/dealhub-vs-sage-intacct) - [DealHub vs PandaDoc](https://www.g2.com/compare/dealhub-vs-pandadoc) - [DealHub vs PayPal Payments](https://www.g2.com/compare/dealhub-vs-paypal) - [DealHub vs Jotform Sign](https://www.g2.com/compare/dealhub-vs-jotform-sign) - [DealHub vs Agentforce Revenue Management (formerly Salesforce Revenue Cloud)](https://www.g2.com/compare/agentforce-revenue-management-formerly-salesforce-revenue-cloud-vs-dealhub) - [DealHub vs Nintex](https://www.g2.com/compare/dealhub-vs-nintex-nintex) - [DealHub vs Responsive, formerly RFPIO](https://www.g2.com/compare/dealhub-vs-responsive-formerly-rfpio) ### 3. [NetSuite](https://www.g2.com/products/oracle-netsuite/reviews) By Oracle **Average Rating:** 4.1/5 **Total Reviews:** 4,839 NetSuite is a cloud ERP solution, providing a suite of applications, from accounting and financial planning, to warehouse management, ecommerce, inventory management and beyond. Reviewers say compared to Ratio, NetSuite is: - Better at support Categories in common with Ratio: [Subscription Billing](https://www.g2.com/categories/subscription-billing) **Compare:** [Ratio vs NetSuite](https://www.g2.com/compare/oracle-netsuite-vs-ratio) **Compare NetSuite with other alternatives:** - [NetSuite vs Brex](https://www.g2.com/compare/brex-vs-oracle-netsuite) - [NetSuite vs DealHub](https://www.g2.com/compare/dealhub-vs-oracle-netsuite) - [NetSuite vs Sage Intacct](https://www.g2.com/compare/oracle-netsuite-vs-sage-intacct) - [NetSuite vs PandaDoc](https://www.g2.com/compare/oracle-netsuite-vs-pandadoc) - [NetSuite vs PayPal Payments](https://www.g2.com/compare/oracle-netsuite-vs-paypal) - [NetSuite vs Jotform Sign](https://www.g2.com/compare/jotform-sign-vs-oracle-netsuite) - [NetSuite vs Agentforce Revenue Management (formerly Salesforce Revenue Cloud)](https://www.g2.com/compare/agentforce-revenue-management-formerly-salesforce-revenue-cloud-vs-oracle-netsuite) - [NetSuite vs Nintex](https://www.g2.com/compare/oracle-netsuite-vs-nintex-nintex) - [NetSuite vs Responsive, formerly RFPIO](https://www.g2.com/compare/oracle-netsuite-vs-responsive-formerly-rfpio) ### 4. [Sage Intacct](https://www.g2.com/products/sage-intacct/reviews) By Sage Software **Average Rating:** 4.3/5 **Total Reviews:** 4,258 Sage Intacct is the industry-leading financial accounting software system with a broad set of functionalities for small to mid-sized businesses across a number of different verticals. Reviewers say compared to Ratio, Sage Intacct is: - Better at support Categories in common with Ratio: [Subscription Billing](https://www.g2.com/categories/subscription-billing) **Compare:** [Ratio vs Sage Intacct](https://www.g2.com/compare/ratio-vs-sage-intacct) **Compare Sage Intacct with other alternatives:** - [Sage Intacct vs Brex](https://www.g2.com/compare/brex-vs-sage-intacct) - [Sage Intacct vs DealHub](https://www.g2.com/compare/dealhub-vs-sage-intacct) - [Sage Intacct vs NetSuite](https://www.g2.com/compare/oracle-netsuite-vs-sage-intacct) - [Sage Intacct vs PandaDoc](https://www.g2.com/compare/pandadoc-vs-sage-intacct) - [Sage Intacct vs PayPal Payments](https://www.g2.com/compare/paypal-vs-sage-intacct) - [Sage Intacct vs Jotform Sign](https://www.g2.com/compare/jotform-sign-vs-sage-intacct) - [Sage Intacct vs Agentforce Revenue Management (formerly Salesforce Revenue Cloud)](https://www.g2.com/compare/agentforce-revenue-management-formerly-salesforce-revenue-cloud-vs-sage-intacct) - [Sage Intacct vs Nintex](https://www.g2.com/compare/nintex-nintex-vs-sage-intacct) - [Sage Intacct vs Responsive, formerly RFPIO](https://www.g2.com/compare/responsive-formerly-rfpio-vs-sage-intacct) ### 5. [PandaDoc](https://www.g2.com/products/pandadoc/reviews) By PandaDoc **Average Rating:** 4.7/5 **Total Reviews:** 3,582 PandaDoc is an app that lets you build, track, and sign your docs all in one place. Automate your workflow, discover what sells with built-in analytics, and get legally binding signatures in minutes. Reviewers say compared to Ratio, PandaDoc is: - Better at support - Easier to set up - Better at meeting requirements Categories in common with Ratio: [Proposal](https://www.g2.com/categories/proposal) **Compare:** [Ratio vs PandaDoc](https://www.g2.com/compare/pandadoc-vs-ratio) **Compare PandaDoc with other alternatives:** - [PandaDoc vs Brex](https://www.g2.com/compare/brex-vs-pandadoc) - [PandaDoc vs DealHub](https://www.g2.com/compare/dealhub-vs-pandadoc) - [PandaDoc vs NetSuite](https://www.g2.com/compare/oracle-netsuite-vs-pandadoc) - [PandaDoc vs Sage Intacct](https://www.g2.com/compare/pandadoc-vs-sage-intacct) - [PandaDoc vs PayPal Payments](https://www.g2.com/compare/pandadoc-vs-paypal) - [PandaDoc vs Jotform Sign](https://www.g2.com/compare/jotform-sign-vs-pandadoc) - [PandaDoc vs Agentforce Revenue Management (formerly Salesforce Revenue Cloud)](https://www.g2.com/compare/agentforce-revenue-management-formerly-salesforce-revenue-cloud-vs-pandadoc) - [PandaDoc vs Nintex](https://www.g2.com/compare/nintex-nintex-vs-pandadoc) - [PandaDoc vs Responsive, formerly RFPIO](https://www.g2.com/compare/pandadoc-vs-responsive-formerly-rfpio) ### 6. [PayPal Payments](https://www.g2.com/products/paypal/reviews) By PayPal **Average Rating:** 4.4/5 **Total Reviews:** 2,743 PayPal Payments is a comprehensive payment processing solution designed to empower businesses of all sizes to accept payments seamlessly from customers worldwide. By integrating PayPal Payments, merchants can offer a variety of payment options, enhancing the checkout experience and potentially increasing conversion rates. Key Features and Functionality: - Global Payment Acceptance: Supports transactions in over 200 markets and 140 currencies, enabling businesses to cater to a diverse customer base. - Multiple Payment Methods: Allows customers to pay using credit and debit cards, PayPal balances, and other local payment methods, providing flexibility and convenience. - Seamless Integration: Compatible with major eCommerce platforms, facilitating easy integration into existing online stores. - Advanced Security Measures: Incorporates robust fraud protection tools and compliance features to safeguard both merchants and customers. - Financial Services: Offers access to business loans and working capital, assisting merchants in managing and expanding their operations. Primary Value and Solutions Provided: PayPal Payments addresses the critical need for businesses to offer secure, efficient, and versatile payment options to their customers. By leveraging PayPal's extensive network and trusted reputation, merchants can enhance customer trust, streamline payment processes, and expand their reach to international markets. The platform's comprehensive suite of tools not only facilitates payment acceptance but also supports business growth through financial services and operational insights. Reviewers say compared to Ratio, PayPal Payments is: - Better at support - Easier to set up - Better at meeting requirements Categories in common with Ratio: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Compare:** [Ratio vs PayPal Payments](https://www.g2.com/compare/paypal-vs-ratio) **Compare PayPal Payments with other alternatives:** - [PayPal Payments vs Brex](https://www.g2.com/compare/brex-vs-paypal) - [PayPal Payments vs DealHub](https://www.g2.com/compare/dealhub-vs-paypal) - [PayPal Payments vs NetSuite](https://www.g2.com/compare/oracle-netsuite-vs-paypal) - [PayPal Payments vs Sage Intacct](https://www.g2.com/compare/paypal-vs-sage-intacct) - [PayPal Payments vs PandaDoc](https://www.g2.com/compare/pandadoc-vs-paypal) - [PayPal Payments vs Jotform Sign](https://www.g2.com/compare/jotform-sign-vs-paypal) - [PayPal Payments vs Agentforce Revenue Management (formerly Salesforce Revenue Cloud)](https://www.g2.com/compare/agentforce-revenue-management-formerly-salesforce-revenue-cloud-vs-paypal) - [PayPal Payments vs Nintex](https://www.g2.com/compare/nintex-nintex-vs-paypal) - [PayPal Payments vs Responsive, formerly RFPIO](https://www.g2.com/compare/paypal-vs-responsive-formerly-rfpio) ### 7. [Jotform Sign](https://www.g2.com/products/jotform-sign/reviews) By Jotform **Average Rating:** 4.7/5 **Total Reviews:** 1,733 Jotform Sign is a powerful e-signature platform that combines digital signatures with built-in automation to streamline document workflows. Easily create, share, and collect legally binding e-signatures on any device — without writing a single line of code. Upload an existing PDF, choose from 800+ professionally designed templates, or build a custom document from scratch using Jotform’s intuitive drag-and-drop document builder. Designed for maximum flexibility, Jotform Sign is ideal for waivers, consent forms, lease agreements, sales contracts, onboarding documents, and any workflow that requires secure signatures. Customize every part of your document to match your brand by uploading your logo, selecting fonts and colors, and adjusting layout elements. You can also add multiple signers, define a step-by-step automated signing order, set access permissions, and personalize your email notifications. These automation tools help reduce manual tasks, prevent bottlenecks, and accelerate approval cycles. Jotform Sign works seamlessly across devices, so recipients can review and sign documents from their phone, tablet, or laptop with a smooth, user-friendly experience. Each document includes a detailed audit trail, ensuring compliance, transparency, and trustworthy record-keeping. Whether you’re handling waivers, agreements, contracts, consent forms, or internal approvals, Jotform Sign automates repetitive tasks and eliminates the slow, outdated steps of paper-based processes. All signed documents are securely stored and can be easily exported, organized, shared, or integrated with your existing workflows. By combining digital signatures with automation, Jotform Sign helps businesses reduce turnaround times, improve accuracy, and enhance the signing experience for clients, employees, and partners. Say goodbye to scanning, printing, and manual follow-ups — and manage your entire signature workflow online with a fast, modern, and reliable e-signature platform. Reviewers say compared to Ratio, Jotform Sign is: - Better at support - Easier to set up - Better at meeting requirements Categories in common with Ratio: [Proposal](https://www.g2.com/categories/proposal) **Compare:** [Ratio vs Jotform Sign](https://www.g2.com/compare/jotform-sign-vs-ratio) **Compare Jotform Sign with other alternatives:** - [Jotform Sign vs Brex](https://www.g2.com/compare/brex-vs-jotform-sign) - [Jotform Sign vs DealHub](https://www.g2.com/compare/dealhub-vs-jotform-sign) - [Jotform Sign vs NetSuite](https://www.g2.com/compare/jotform-sign-vs-oracle-netsuite) - [Jotform Sign vs Sage Intacct](https://www.g2.com/compare/jotform-sign-vs-sage-intacct) - [Jotform Sign vs PandaDoc](https://www.g2.com/compare/jotform-sign-vs-pandadoc) - [Jotform Sign vs PayPal Payments](https://www.g2.com/compare/jotform-sign-vs-paypal) - [Jotform Sign vs Agentforce Revenue Management (formerly Salesforce Revenue Cloud)](https://www.g2.com/compare/agentforce-revenue-management-formerly-salesforce-revenue-cloud-vs-jotform-sign) - [Jotform Sign vs Nintex](https://www.g2.com/compare/jotform-sign-vs-nintex-nintex) - [Jotform Sign vs Responsive, formerly RFPIO](https://www.g2.com/compare/jotform-sign-vs-responsive-formerly-rfpio) ### 8. [Agentforce Revenue Management (formerly Salesforce Revenue Cloud)](https://www.g2.com/products/agentforce-revenue-management-formerly-salesforce-revenue-cloud/reviews) By Salesforce **Average Rating:** 4.2/5 **Total Reviews:** 1,502 Salesforce CPQ automates quoting, contracting, and the ordering processes. The solution improves sales productivity and helps you close more deals without ever leaving Salesforce. Fully native on the Salesforce platform, Salesforce CPQ delivers next-generation CPQ which is 5-10x easier to implement than legacy CPQ applications. Reviewers say compared to Ratio, Agentforce Revenue Management (formerly Salesforce Revenue Cloud) is: - Better at support Categories in common with Ratio: [Subscription Billing](https://www.g2.com/categories/subscription-billing) **Compare:** [Ratio vs Agentforce Revenue Management (formerly Salesforce Revenue Cloud)](https://www.g2.com/compare/agentforce-revenue-management-formerly-salesforce-revenue-cloud-vs-ratio) **Compare Agentforce Revenue Management (formerly Salesforce Revenue Cloud) with other alternatives:** - [Agentforce Revenue Management (formerly Salesforce Revenue Cloud) vs Brex](https://www.g2.com/compare/agentforce-revenue-management-formerly-salesforce-revenue-cloud-vs-brex) - [Agentforce Revenue Management (formerly Salesforce Revenue Cloud) vs DealHub](https://www.g2.com/compare/agentforce-revenue-management-formerly-salesforce-revenue-cloud-vs-dealhub) - [Agentforce Revenue Management (formerly Salesforce Revenue Cloud) vs NetSuite](https://www.g2.com/compare/agentforce-revenue-management-formerly-salesforce-revenue-cloud-vs-oracle-netsuite) - [Agentforce Revenue Management (formerly Salesforce Revenue Cloud) vs Sage Intacct](https://www.g2.com/compare/agentforce-revenue-management-formerly-salesforce-revenue-cloud-vs-sage-intacct) - [Agentforce Revenue Management (formerly Salesforce Revenue Cloud) vs PandaDoc](https://www.g2.com/compare/agentforce-revenue-management-formerly-salesforce-revenue-cloud-vs-pandadoc) - [Agentforce Revenue Management (formerly Salesforce Revenue Cloud) vs PayPal Payments](https://www.g2.com/compare/agentforce-revenue-management-formerly-salesforce-revenue-cloud-vs-paypal) - [Agentforce Revenue Management (formerly Salesforce Revenue Cloud) vs Jotform Sign](https://www.g2.com/compare/agentforce-revenue-management-formerly-salesforce-revenue-cloud-vs-jotform-sign) - [Agentforce Revenue Management (formerly Salesforce Revenue Cloud) vs Nintex](https://www.g2.com/compare/agentforce-revenue-management-formerly-salesforce-revenue-cloud-vs-nintex-nintex) - [Agentforce Revenue Management (formerly Salesforce Revenue Cloud) vs Responsive, formerly RFPIO](https://www.g2.com/compare/agentforce-revenue-management-formerly-salesforce-revenue-cloud-vs-responsive-formerly-rfpio) ### 9. [Nintex](https://www.g2.com/products/nintex-nintex/reviews) By Nintex **Average Rating:** 4.3/5 **Total Reviews:** 1,322 The Nintex Platform empowers organizations to digitally transform their business with intelligent process automation technologies. Reviewers say compared to Ratio, Nintex is: - Better at support Categories in common with Ratio: [Proposal](https://www.g2.com/categories/proposal) **Compare:** [Ratio vs Nintex](https://www.g2.com/compare/nintex-nintex-vs-ratio) **Compare Nintex with other alternatives:** - [Nintex vs Brex](https://www.g2.com/compare/brex-vs-nintex-nintex) - [Nintex vs DealHub](https://www.g2.com/compare/dealhub-vs-nintex-nintex) - [Nintex vs NetSuite](https://www.g2.com/compare/oracle-netsuite-vs-nintex-nintex) - [Nintex vs Sage Intacct](https://www.g2.com/compare/nintex-nintex-vs-sage-intacct) - [Nintex vs PandaDoc](https://www.g2.com/compare/nintex-nintex-vs-pandadoc) - [Nintex vs PayPal Payments](https://www.g2.com/compare/nintex-nintex-vs-paypal) - [Nintex vs Jotform Sign](https://www.g2.com/compare/jotform-sign-vs-nintex-nintex) - [Nintex vs Agentforce Revenue Management (formerly Salesforce Revenue Cloud)](https://www.g2.com/compare/agentforce-revenue-management-formerly-salesforce-revenue-cloud-vs-nintex-nintex) - [Nintex vs Responsive, formerly RFPIO](https://www.g2.com/compare/nintex-nintex-vs-responsive-formerly-rfpio) ### 10. [Responsive, formerly RFPIO](https://www.g2.com/products/responsive-formerly-rfpio/reviews) By Responsive **Average Rating:** 4.5/5 **Total Reviews:** 1,292 Responsive is a cloud-based RFP software that eliminates the friction often associated with responding to Requests for Proposal (RFPs), through a no-nonsense set-up, simple and intuitive user interface, and robust integrations with Salesforce and Slack. Reviewers say compared to Ratio, Responsive, formerly RFPIO is: - Better at support - Easier to set up Categories in common with Ratio: [Proposal](https://www.g2.com/categories/proposal) **Compare:** [Ratio vs Responsive, formerly RFPIO](https://www.g2.com/compare/ratio-vs-responsive-formerly-rfpio) **Compare Responsive, formerly RFPIO with other alternatives:** - [Responsive, formerly RFPIO vs Brex](https://www.g2.com/compare/brex-vs-responsive-formerly-rfpio) - [Responsive, formerly RFPIO vs DealHub](https://www.g2.com/compare/dealhub-vs-responsive-formerly-rfpio) - [Responsive, formerly RFPIO vs NetSuite](https://www.g2.com/compare/oracle-netsuite-vs-responsive-formerly-rfpio) - [Responsive, formerly RFPIO vs Sage Intacct](https://www.g2.com/compare/responsive-formerly-rfpio-vs-sage-intacct) - [Responsive, formerly RFPIO vs PandaDoc](https://www.g2.com/compare/pandadoc-vs-responsive-formerly-rfpio) - [Responsive, formerly RFPIO vs PayPal Payments](https://www.g2.com/compare/paypal-vs-responsive-formerly-rfpio) - [Responsive, formerly RFPIO vs Jotform Sign](https://www.g2.com/compare/jotform-sign-vs-responsive-formerly-rfpio) - [Responsive, formerly RFPIO vs Agentforce Revenue Management (formerly Salesforce Revenue Cloud)](https://www.g2.com/compare/agentforce-revenue-management-formerly-salesforce-revenue-cloud-vs-responsive-formerly-rfpio) - [Responsive, formerly RFPIO vs Nintex](https://www.g2.com/compare/nintex-nintex-vs-responsive-formerly-rfpio) --- ## Ratio Alternatives FAQs ### How does Ratio compare to Brex? According to G2 data, [Ratio](https://www.g2.com/products/ratio/reviews) holds an average rating of 4.5/5 from 27 reviews, while [Brex](https://www.g2.com/products/brex/reviews) leads with a 4.8/5 rating across 1,579 reviews. Brex outperforms Ratio notably in key dimensions: it scores 9.5 versus 9.0 in meeting requirements, 9.6 versus 9.2 in usability, and 9.4 versus 8.6 in ease of setup, reflecting a 0.5 to 0.8-point advantage. Brex also excels in support with a 9.5 score compared to Ratio's 6.7, a 2.8-point lead. Brex offers additional features such as Cash Balance and Expense Management, which Ratio lacks, while Ratio provides Capital financing options not found in Brex. User sentiment highlights Brex's strengths in ease of use (367 mentions), expense management (131), and customer support (116), whereas Ratio's pros focus on ease of use (7 mentions) and payment processing (6). Brex users praise its intuitive interface, automation, and mobile app experience. Overall, Brex demonstrates stronger performance, broader feature set, and higher user satisfaction compared to Ratio. ### Why do users choose Brex over Ratio? Users choose [Brex](https://www.g2.com/products/brex/reviews) over Ratio primarily for its superior ease of use and comprehensive expense management capabilities. Brex's platform is praised for its intuitive interface, seamless mobile app, and efficient automation features, with 367 mentions of ease of use and 131 mentions of expense management in user reviews. The onboarding process is notably smoother, reflected in a 9.4 ease of setup score versus Ratio's 8.6. Brex's customer support is highly rated (9.5 vs. 6.7), with 116 positive mentions, contributing to a more responsive and helpful user experience. Additionally, Brex offers features like Cash Balance and integrated expense tracking that Ratio does not provide, enhancing financial control and visibility. Users also appreciate Brex's real-time notifications, virtual cards, and integration with communication tools, which streamline expense approvals and reporting. These factors combine to make Brex a preferred choice for businesses seeking a modern, efficient, and user-friendly financial management solution backed by strong support and advanced features. ### What are the best alternatives to Ratio? The best alternatives to Ratio are [Brex](https://www.g2.com/products/brex/reviews) (4.8/5 stars, 1579 reviews), [DealHub.io](https://www.g2.com/products/dealhub/reviews) (4.7/5 stars, 850 reviews), [NetSuite](https://www.g2.com/products/netsuite/reviews) (4.1/5 stars, 4808 reviews), and [Sage Intacct](https://www.g2.com/products/sage-intacct/reviews) (4.3/5 stars, 4251 reviews), all of which have higher review counts and strong user satisfaction scores compared to Ratio's 4.5/5 stars from 27 reviews. ### What features do alternatives offer that Ratio does not? Alternatives to Ratio offer advanced financial features such as cash balance management and expense tracking (Brex), as well as complex revenue management capabilities including adjustments, consolidation, deferred revenue, dimensions, and revenue recognition (DealHub.io and Sage Intacct). ### Which Installment Payment and Buy Now Pay Later (BNPL) tools do reviewers recommend instead of Ratio? Reviewers recommend [Brex](https://www.g2.com/products/brex/reviews) for its comprehensive global spend management, ease of use, and superior customer support, with 367 mentions of ease of use and 116 of customer support. [DealHub.io](https://www.g2.com/products/dealhub/reviews) is favored for its powerful CPQ capabilities, automation, and seamless CRM integrations, supported by 105 mentions of customer support and 95 of ease of use. [NetSuite](https://www.g2.com/products/netsuite/reviews) and [Sage Intacct](https://www.g2.com/products/sage-intacct/reviews) are recommended for their robust financial management and reporting features, with Sage Intacct rated #1 in customer satisfaction by G2 and praised for its automation and audit readiness. These alternatives provide broader feature sets and stronger support compared to Ratio, making them preferred choices for installment payment and BNPL needs. ## Explore Articles - [Best communication service platform app for small business](https://www.g2.com/discussions/best-communication-service-platform-app-for-small-business) - [What would you recommend as the best corporate password management tool?](https://www.g2.com/discussions/what-would-you-recommend-as-the-best-corporate-password-management-tool) - [What platform provides detailed analytics on work efficiency?](https://www.g2.com/discussions/what-platform-provides-detailed-analytics-on-work-efficiency) - [Which vendor offers AI-assisted website design features?](https://www.g2.com/discussions/which-vendor-offers-ai-assisted-website-design-features) - [User-friendly AR software for my new business](https://www.g2.com/discussions/user-friendly-ar-software-for-new-businesses) - [Best email tracking solutions for multi-user teams](https://www.g2.com/discussions/what-are-the-best-email-tracking-solutions-for-multi-user-teams) ## Spotlight Categories - [Managed File Transfer (MFT) Software](https://www.g2.com/categories/managed-file-transfer-mft) - [Loyalty Management Software](https://www.g2.com/categories/loyalty-management) - [Product Lifecycle Management (PLM) Software](https://www.g2.com/categories/product-lifecycle-management-plm)