# Orla vs Ramp: if Ramp will take you, it may well be the better deal

URL: https://www.orla.finance/en/vs-ramp
Markdown twin of that page. Append `.md` to any Orla page URL to get one.

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.

#### What each one is, and who it takes

- What it is (In one sentence): Orla: The finance back office that runs itself: bills, payouts, cards, invoices, and the month for your accountant, up to pre-accounting; Ramp: Corporate cards, expenses, bill pay and accounting automation on Ramp's own rails
- Price (Their pricing page, this month): Orla: Free forever; Solo $25, Pro $69, Scale $199, Enterprise $499 a month, bought on the site without a call; Ramp: 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 up (In their own words): Orla: A company anywhere, sole traders included; Ramp: 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
- Cards (Company spending): Orla: Virtual Visa or Mastercard cards prepaid from a balance you top up in USDT or USDC, each with its own ceiling; Ramp: Unlimited physical and virtual cards on a charge card with credit limits, and issuing controls on every plan
- Bills and approvals (Who signs above what): Orla: 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; Ramp: Bill pay by ACH, card, check and wire with approval workflows on Free; batch payments and payment release approvals on Plus
- Accounting (The handoff): Orla: A journal CSV for Xero and QuickBooks from Pro, $69 for the company, and a month closed with a fingerprint; no sync; Ramp: QuickBooks Online and Xero on Free; NetSuite, Sage Intacct and more on Plus; Workday and Oracle Fusion Cloud on Enterprise
- Crypto (Exchanges and wallets): Orla: 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; Ramp: 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
- Agents (Whose): Orla: 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: Ramp's own agents inside the product, with approval recommendations and line coding on Plus
- Free plan (Before paying anything): Orla: Yes, with no card and no clock; Ramp: Yes, at $0 per user, for the companies it accepts

#### 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.

#### 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.

#### 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.

#### Who should pick which

Three honest cases, the third included.

- Pick Ramp if: you are a registered company in the US, Canada or the UK with $25,000 in the bank, you want a charge card with a credit line, and your accountant lives in QuickBooks, NetSuite or Sage Intacct.
- Pick Orla if: Ramp's application stops you at the first question, or part of the company's money lives on exchanges and in wallets and you want it in the same book as the bank.
- Use both if: Ramp runs your US cards and Orla runs everything else: the Ramp statement comes in as a statement, and the rest of the money is already there.

The free plan has no clock on it, connections are read only, and when you leave, your books leave with you.