Compared
Orla vs Ramp: if Ramp will take you, it may well be the better deal
Ramp's free plan carries cards, bill pay, approvals and a QuickBooks or Xero sync at $0 per user, for a registered company with $25,000 in the bank. Orla is the back office for the company on the other side of that line.
Ramp's prices and eligibility below were read on ramp.com and support.ramp.com on 26 September 2026.
Side by side
What each one is, and who it takes
The honest version, including the rows where Ramp wins.
| Orla | Ramp | |
|---|---|---|
| What it isIn one sentence | The finance back office that runs itself: bills, payouts, cards, invoices, and the month for your accountant, up to pre-accounting | Corporate cards, expenses, bill pay and accounting automation on Ramp's own rails |
| PriceTheir pricing page, this month | Free forever; Solo $25, Pro $69, Scale $199, Enterprise $499 a month, bought on the site without a call | Free $0 per user; Plus $15 per user a month plus a platform fee based on team size, 20% less paid yearly; Enterprise custom, billed yearly |
| Who can sign upIn their own words | A company anywhere, sole traders included | In the US, a corporation, LLC or LP registered there, with at least $25,000 in a US business bank account and a physical US address; not individuals or sole proprietors. Canada asks for CA$25,000; the UK opened on 15 September 2026 |
| CardsCompany spending | Virtual Visa or Mastercard cards prepaid from a balance you top up in USDT or USDC, each with its own ceiling | Unlimited physical and virtual cards on a charge card with credit limits, and issuing controls on every plan |
| Bills and approvalsWho signs above what | One approval rule with a threshold, a signature count and address-book only on every plan; several rules, named approvers and allowances on Scale; the proposer never signs | Bill pay by ACH, card, check and wire with approval workflows on Free; batch payments and payment release approvals on Plus |
| AccountingThe handoff | A journal CSV for Xero and QuickBooks from Pro, $69 for the company, and a month closed with a fingerprint; no sync | QuickBooks Online and Xero on Free; NetSuite, Sage Intacct and more on Plus; Workday and Oracle Fusion Cloud on Enterprise |
| CryptoExchanges and wallets | First class: six exchanges by read-only key, BTC, EVM, TRON and Solana wallets, a cost basis kept through swaps, and payouts sent in stablecoins | A custodial Stablecoin Account in USDC and USDT for US businesses outside New York, spent on card statements, bills, vendors and reimbursements; exchanges and self-custody wallets are not in its help article |
| AgentsWhose | Your own agent by key or MCP, with roles, daily caps and a wallet of its own; an assistant that answers from the same rows and acts one press at a time | Ramp's own agents inside the product, with approval recommendations and line coding on Plus |
| Free planBefore paying anything | Yes, with no card and no clock | Yes, at $0 per user, for the companies it accepts |
Prices and plans change on their side too. Seen one here that has? Tell us
In Ramp's own words
The line Ramp draws, and who stands outside it
None of it is a criticism: a charge card with a credit line needs underwriting.
- “Be registered in the United States”, and “Be a corporation, limited liability company, or LP (nonprofits welcome)”.
- “Have at least $25,000 in cash in any US business bank account linked to your application”, and a physical address in the United States.
- “Currently, we are not accepting individuals, sole proprietors, and other types of unregistered businesses.”
- Canada asks for CA$25,000 on the connected accounts, and the UK opened on 15 September 2026 with cards, expenses, bill pay and accounting sync.
A lot of companies stand on the other side of that line: the sole trader, the two-person studio outside those three countries, the company whose money is partly on a chain.
Fair is fair
Where Ramp is stronger
A comparison you can trust has to be able to say this.
- The free plan: unlimited cards, bill pay by ACH, card, check and wire, approval workflows and a QuickBooks Online or Xero sync at $0 per user. Orla's free plan is a ledger with one card and a few invoices a month.
- Credit: a charge card with credit limits, physical cards, and controls set before anyone spends. Orla's cards are prepaid and virtual.
- Its own rails and a live accounting sync on every plan. Orla pays from your connected bank or wallet and hands the accountant a file.
- A stablecoin balance to pay from, for US businesses outside New York.
If you qualify and your money sits in US dollars in US banks, Ramp's free plan is hard to beat, and this page will not try.
Where Orla is different
The company Ramp's form turns away, and money on a chain
If any of this is your company, the comparison decides itself.
- The door: any country, a sole trader, a crypto company, no minimum balance and no underwriting.
- Crypto in the book, not only a balance to pay from: exchanges by read-only key, your own wallets by address, a cost basis kept through swaps, and a sale posted into the accountant's journal with its realised gain.
- One price for the company: Plus adds a platform fee that depends on team size, and Orla's price is printed on the pricing page and does not move with headcount.
- Your own agent by key or MCP, with a role, a daily cap and a wallet whose deposit is the worst case. Ramp's agents are Ramp's.
- Telegram and Slack bots that let a signer approve a payment or a whole batch from the chat.
The short answer
Who should pick which
Three honest cases, the third included.
Questions
The questions the table does not answer
Is Orla a Ramp alternative for a company outside the US, Canada or the UK?
Yes. Ramp's help centre asks a US applicant for a corporation, LLC or LP registered in the United States with $25,000 in a US business bank account, and does not accept sole proprietors; Canada and, since 15 September 2026, the UK have their own lists. Orla takes a company anywhere, sole traders included, in English, Spanish, Portuguese and Russian.
Does Orla have a free plan like Ramp?
Yes, with no card and no clock: a ledger with statement imports, a monthly allowance of synced rows, one card, a few invoices a month and the month's checklist. Payout batches are on every plan, and the journal export for Xero and QuickBooks starts on Pro. Ramp's free plan carries cards, bill pay and approvals at $0 per user, for the companies it accepts.
Ramp has a stablecoin account now. What is different about crypto in Orla?
Ramp's is a custodial USDC and USDT balance you pay from, for US businesses outside New York. Orla keeps your own exchanges and wallets in the book: read-only exchange keys (a key with trading or withdrawal rights is refused), wallet addresses, a cost basis in FIFO, LIFO or HIFO, VAT periods and a tax centre reading the same rows, and payouts in USDT or USDC from your own wallet.
Does Orla issue corporate cards like Ramp?
Virtual cards only, Visa or Mastercard, funded from a prepaid balance you top up in USDT or USDC. The holder can freeze a card, and an owner can block it with the balance returning to the pool. There is no credit line and no physical card.
Midday is joining Ramp. What about Midday users Ramp will not take?
Midday announced on 7 May 2026 that it is joining Ramp and winding the product down, with a path to Ramp for eligible customers. For a sole trader or a company outside Ramp's countries, Orla reads the Midday export whole, on every plan: transactions, categories, receipts and customers. The steps are on the page about moving off Midday.
Other comparisons
Start free, whichever side of the line you are on
The free plan has no clock on it, connections are read only, and when you leave, your books leave with you.
Or see the move off Midday → Every comparison on one page →- Orla vs T:0 →
- T:0 keeps GAAP books with a CPA; Orla runs everything before the accountant, and speaks crypto.
- Orla vs Dimely →
- Dimely turns a contract into an invoice inside your ERP; Orla takes it all the way to the money.
- Orla vs Fuelfinance →
- Fuelfinance is FP&A over QuickBooks; Orla is the book itself, for a company with no bookkeeper.
- Orla vs Light →
- Light is an agentic ERP for groups of companies; Orla is one company's back office, started this afternoon.
- Orla vs Neno →
- Neno is a Dutch accounting firm with an account of its own that files for you; Orla files nothing and hands the month to your accountant.
- Orla vs Bill.com →
- Bill.com prices every user; Orla is one subscription for the company, on bank and crypto rails.
- Orla vs Tipalti →
- Tipalti is payables for finance teams from $99 plus fees; Orla prints its whole price and fits a company of three.
- Orla vs Request Finance →
- Request Finance is an account for stablecoins; Orla is the book and the rules across the accounts you have.
- Orla vs Rise →
- Rise charges $49 per contractor for payroll and compliance; Orla pays from your own wallet at one price.
- Moving off Midday →
- Midday is winding down after joining Ramp; Orla reads its whole export on every plan, categories and receipts included.
- Orla vs YNAB →
- Both budget your money. YNAB sees your banks; Orla sees banks, exchanges and wallets in one book.
- Orla vs Monarch →
- Monarch budgets American and Canadian banks well; Orla adds exchanges and wallets to the same money.
- Orla vs Copilot Money →
- Copilot tracks American money in dollars; Orla holds several currencies and puts coins in the budget.
- Orla vs Lunch Money →
- Both independent, both outside America; the split is whether a coin is a balance or a line.
- Orla vs Splitwise →
- Splitwise keeps score of who owes whom; Orla keeps the book those debts belong to.
- Orla vs CoinTracker →
- One counts last year's crypto for the tax office; the other runs your money all year.
- YNAB alternatives →
- Five options with the price and the catch on each.
- Splitwise alternatives →
- Two free like-for-like options, one different idea, and when moving a group is not worth it.
See it on your own books
Thirty minutes: we connect an account, drop a real bill in, and close a month together.