Source: https://rivet.global/blog/ramp-vs-bill-com
Published: 2026-06-16 · Updated: 2026-11-04 · By Alexia M.

# Ramp vs BILL: spend management and bill pay compared

Ramp vs BILL for finance teams: plan pricing, bill pay, cards and international vendor payments, using each company's own pricing page.

## Key takeaways

- Ramp's Free plan costs $0 per user and includes bill pay with free wires and same-day ACH, subject to its payment terms; Plus is $15 per user plus a platform fee.
- BILL's AP and AR plans cost $49 to $89 per user a month; its Spend and Expense product with Divvy cards is $0 per user.
- BILL charges $0.59 per ACH and $19.99 per international USD wire; Ramp's pricing page did not list international fees.
- Ramp's card requires credit approval; companies without US credit history may not qualify.

Ramp's second most searched comparison, after Brex, is "Ramp vs bill.com". Both now cover bills and spend. They started from opposite ends. Figures below were read on each pricing page on 4 November 2026.

## Pricing

| | Ramp | BILL |
|---|---|---|
| Entry plan | Free, $0 per user | Essentials $49 per user a month |
| Next tier | Plus $15 per user plus platform fee | Team $65, Corporate $89 per user |
| Cards | Ramp card, subject to credit approval | Divvy cards in Spend and Expense, $0 per user |
| Bill pay | Included; free wires and same-day ACH via Bill Pay, subject to terms | Core product; ACH $0.59 |
| International | Pay global vendors in USD or local currency; fees not listed | $19.99 international USD wire; FX rate on foreign currency |

## Ramp fits

A US company that wants cards, expenses, reimbursements and bill pay in one place, and can pass a credit review. The free plan covers a lot, and Ramp makes money on card interchange.

## BILL fits

A finance team or accounting firm that lives in AP: multi-level approvals, vendor portals, receivables and deep sync with accounting systems. Many firms run BILL for AP and a separate card provider.

## What to check for vendors abroad

Neither page lists a full international fee schedule beside its plans, apart from BILL's $19.99 USD wire. Before you move vendor payments abroad onto either, ask for the exchange rate margin and the fee per currency. On $30,000 a month paid abroad, a 1% margin is $300.

## Paying into the United States: the local rail

| What | Detail |
|---|---|
| Local rail | ACH for batch payments; RTP and FedNow for instant transfers |
| Run by | Nacha for ACH; The Clearing House for RTP; the Federal Reserve for FedNow |
| Settlement | Same-day ACH within the business day, standard ACH the next; RTP and FedNow in seconds, 24/7, where both banks take part |

Source: [Nacha: Same Day ACH](https://www.nacha.org/rules/same-day-ach-moving-payments-faster). Checked when this guide was last updated; the scheme's own page has the current figures.

## Where Rivet fits

Rivet is a multi-currency account with payouts, cards and approvals. Cards are prefunded from your balance, so there is no credit review. Payouts reach 120+ countries on local rails where available, with fee and FX shown before you confirm. Growth is $200 a month, flat, for up to 10 members with approvals. Rivet is not a bank; regulated partner institutions hold the funds. See [Cards](/corporate-cards) and [expense management for small businesses](/blog/expense-management-for-small-businesses).

## Questions

### Is Ramp's bill pay really free?

Ramp's Free plan lists free wires and same-day ACH through Bill Pay, subject to separate payment terms. Check the terms for international vendors and limits.

### Why would anyone pay for BILL?

BILL has a long record in accounts payable and receivable, deep approval workflows and a large vendor network. Firms that manage AP for clients often standardise on it.

### Can a foreign-owned company use Ramp?

Ramp's card is underwritten and issued through US and other banks. A new company with no US credit history may not qualify. Check eligibility first.

### What does Ramp charge for 1099 filing?

Ramp lists $0.65 per IRS 1099 filing on all plans, with state filing free.