Ramp requires a corporate credit card, a US business entity, and a $25,000 minimum bank balance to get started. SparkReceipt works for every business, everywhere.
Ramp is a corporate card company that happens to do expense management. If you're a freelancer, sole proprietor, or non-US business, you're excluded entirely. SparkReceipt is a purpose-built AI receipt scanner and expense tracker that works with any bank, any card, any country. No credit checks, no revenue minimums, no corporate card required. $10.75/month, billed annually, with a 7-day free trial.
Business Owners in 175 Countries Trust SparkReceipt
At a glance, September 2026
US businesses with a US EIN and at least $25,000 in the bank, using Ramp's corporate card. Sole proprietors and freelancers are excluded.
Any business or freelancer, in any country, with any bank or card. No credit check and no minimum balance.
Ramp's AI features sit in Ramp Plus at $15 per user a month. SparkReceipt Pro starts at $5.75 a month with 1 user included, AI scanning included, and a 7-day free trial.
Ramp cards settle in a limited set of currencies, with up to a 3% conversion markup on non-USD spend. SparkReceipt reads receipts in 190 currencies with daily exchange rates.
Ramp suits funded US companies that want a corporate card. SparkReceipt suits small businesses and freelancers who keep their own bank and card.
See the real differences side by side.
| Ramp | SparkReceipt | |
|---|---|---|
| Corporate card requirement | Requires Ramp corporate credit card to access expense management | Works with any bank, any card, any payment method — no card required |
| Eligibility | $25,000 minimum bank balance and US EIN required to qualify | Sign up in 2 minutes — no credit check or minimums |
| Freelancer support | Sole proprietors and freelancers explicitly excluded | Built for freelancers, sole proprietors, and businesses of all sizes |
| Geographic availability | US-only — not available for businesses outside the United States | Available worldwide with support for 190 currencies |
| AI features | AI features locked behind Ramp Plus at $15/user/month | Full AI features included at $10.75/month, billed annually |
| Foreign transaction fees | Up to 3% currency-conversion markup on non-USD card spend (Ramp markets no FX fee) | No FX markup; scan receipts in any currency |
| Currency support | Cards settle in a limited set of currencies | Supports 190 currencies with daily and historical exchange rates |
| Email receipts | Gmail integration only — no IMAP, no HTML email receipt capture | Automatic email receipt fetching from Gmail and IMAP inboxes |
| Mobile bulk upload | No bulk upload on mobile app | Mass upload up to 100 documents at once on any device |
| Refund policy | Non-refundable subscription fees | 7-day free trial included |
Ramp is built for venture-backed US startups with $25K+ in the bank. SparkReceipt is built for real businesses everywhere. Running a team of five to twenty without a finance department? SparkReceipt for growing teams is the version of expense management built for that size: every employee snaps receipts, one shared feed, no approval chains.
No gatekeeping — No corporate card, no $25K bank balance, no US EIN required. Sign up in 2 minutes from anywhere in the world.
Instant AI results. Scans and categorizes receipts in seconds. No waiting, no manual data entry.
Truly global — Any language, 190 currencies with live exchange rates vs Ramp's limited card currencies.
Built for small business — Freelancers, sole proprietors, contractors, growing teams. No one is excluded.
All-in-one. Receipt scanning, bank statement extraction, email receipt fetching, expense reports, all in one place.
Simple pricing. $10.75/month, billed annually, with a 7-day free trial. No corporate card required.
Available worldwide, whatever currency you spend in.
Start Free Trial| Feature | Ramp | SparkReceipt |
|---|---|---|
| Eligibility requirements | Requires US-incorporated business (C-corp, S-corp, LLC), EIN, and $25,000+ minimum bank balance. Sole proprietors explicitly excluded. | No requirements. Sign up in 2 minutes with an email address. Works for freelancers, sole proprietors, and businesses of all sizes worldwide. |
| Receipt scanning | Receipt capture tied to Ramp corporate card transactions. Upload receipts to match card charges. | Scan receipts in seconds with built-in AI — instant and automatic. Works with any receipt from any source. |
| Expense categorization | Auto-categorization based on merchant codes from Ramp card transactions. | Lightning-fast AI categorization that gets it right the first time. Learns from your habits and follows natural language instructions. |
| Email receipts | Gmail integration only. Matches email receipts to Ramp card transactions. No IMAP support. | Automatic email receipt fetching from Gmail and IMAP inboxes. Instant AI scanning and storage — no card matching required. |
| Currencies supported | Cards settle in a limited set of currencies, with up to a 3% currency-conversion markup on non-USD spend (Ramp markets no FX fee). | 190 currencies with daily and historical exchange rates. No FX markup. |
| Geographic availability | US-only. Requires US-incorporated business entity with EIN. | Available worldwide. No geographic restrictions. |
| Bank statement extraction | Not available. Ramp focuses on its own card transactions only. | Upload any statement — AI extracts and matches transactions in minutes. |
| Mobile bulk upload | No bulk upload on mobile app. Single receipt capture only. | Upload up to 100 documents at once — AI detects and categorizes instantly on any device. |
| Document limits | Unlimited for Ramp card transactions only. | Unlimited documents included. $10.75/month, billed annually. |
| Expense reports | Auto-generated reports from Ramp card data. Limited to card transactions. | One-click reports — totals, taxes, and receipts instantly ready to export from any source. |
| Accountant access | Accountant access through Ramp dashboard. Requires Ramp account setup. | Invite your accountant or bookkeeper to your account at any time. |
| Integrations | QuickBooks, Xero, NetSuite, Sage. Focused on enterprise accounting tools. | Direct QuickBooks sync plus Zapier, Make, and Google Drive automation. |
| Income tracking | No income tracking. Expense management only. | Upload any income document — AI extracts and categorizes instantly. |
| AI agent | AI assistant available in Ramp Plus ($15/user/month). Basic transaction insights. | Meet SparkAgent — your built-in AI that searches, summarizes, and updates. Included in every plan. |
| Pricing model | Free base plan (requires corporate card and interchange revenue). Ramp Plus at $15/user/month for advanced features. | $10.75/month, billed annually. All features included. No corporate card required. |
| Freelancer/sole proprietor support | Explicitly excluded. Requires incorporated US business entity. | First-class support. Built for freelancers, sole proprietors, and small teams. |
| Mobile app | Mobile app focused on card management and receipt matching. No bulk upload. | Full-featured mobile app with instant AI scanning, bulk upload, and real-time sync. |
| Linked accounts | Separate entities require separate Ramp applications and approvals. | Unlimited linked accounts, one for each business or project. |
| Customer support | Email and chat support. Dedicated support on enterprise plans. | Instant in-app AI help, plus direct human support from our founder Joel. |
| Free trial and guarantees | No free trial. Must apply and be approved for Ramp corporate card. Non-refundable subscription fees. | 7-day free trial — try every feature with no limits. |
See how it reads your receipts.
Start Free TrialThis comparison is based on information publicly available from Ramp's website and other online sources as of September 2026. Features, pricing, and details may change over time. SparkReceipt is not affiliated with or endorsed by Ramp.
Your first user is included. Each extra user: $1.00/month, billed $12 annually.
Your accountant joins free
For side hustles.
Total for 1 user · $69.00 billed annually
+ VAT/GST where applicable
Get Started7-day free trial
50 documents / month
For receipts and invoices
For small businesses with 1 to 40 people.
Total for 1 user · $129.00 billed annually
+ VAT/GST where applicable
Get Started7-day free trial
Unlimited documents*
Everything in Pro, plus:
Joel Ojala, co-founder, sets up SparkReceipt with you, tailored to how you work.
+ Elite for 1 user: $10.75/mo, billed annually
$529.00 today, then $129.00 a year
+ VAT/GST where applicable
Get set up with JoelAnnual plan only · No free trial
Everything in Elite
Plus a 60-minute session with Joel and one follow-up. In the session:
Unlimited linked accounts on every plan.
Unlimited document scanning on Elite is subject to fair use. Bank statement extraction uses monthly renewable credits. Historical email imports include a free allowance; larger imports use credits, with the cost shown before you start.
“Excellent software to manage income and expenses, and have the relevant info at your fingertips at any given time.”
Melvin Hoods
MJD Brokers · South Africa
“SparkReceipt has been a game-changer for my business. It saves me hours every month and keeps everything organized effortlessly.”
Tracy Duggan
Business Coach · United Kingdom
“With SparkReceipt, organizing and tracking expenses has never been easier. It's intuitive, fast, and works perfectly for my needs.”
Jean-Pierre Michael
Artist · France
Join 38,283 businesses that chose SparkReceipt — 4,620,044 receipts processed and counting.
Start Free TrialNo. Ramp's expense management features are tied to their corporate credit card. You must apply for and be approved for a Ramp card to access the platform. SparkReceipt works independently — no corporate card, no bank account linking, no approval process. Just sign up and start scanning.
No. Ramp explicitly excludes sole proprietors and freelancers. You need a US-incorporated business entity (C-corp, S-corp, or LLC) with an EIN to qualify. SparkReceipt is built for everyone — freelancers, sole proprietors, contractors, and businesses of all sizes.
Ramp's base plan is free, but it requires you to use their corporate credit card — Ramp earns revenue from interchange fees on every transaction. Advanced AI features, custom workflows, and premium support require Ramp Plus at $15/user/month. SparkReceipt costs $10.75/month, billed annually, with all features included and no corporate card required.
SparkReceipt is the best Ramp alternative for small businesses. Unlike Ramp, which requires a US business entity, corporate card, and $25,000 minimum bank balance, SparkReceipt works for any business, anywhere. Sign up in 2 minutes, scan receipts with AI, and manage expenses without restrictions.
Yes. SparkReceipt is available worldwide and supports 190 currencies with automatic live exchange rate conversion. It reads receipts in virtually any language. Ramp requires a US entity and settles card spend in a limited set of currencies, applying up to a 3% currency-conversion markup on non-USD purchases though it markets no foreign transaction fee.
Yes. SparkReceipt automatically fetches receipts from Gmail and any IMAP inbox — no forwarding required. Once connected, new receipts are pulled, scanned, and categorized by AI without you lifting a finger. Ramp only integrates with Gmail and matches receipts to card transactions.
SparkReceipt costs $10.75/month, billed annually, with all features included and a 7-day free trial. Ramp's base plan is free but requires a corporate credit card (interchange revenue). Ramp Plus costs $15/user/month for advanced features. SparkReceipt has no hidden requirements: 1 user is included, with more at a flat per-user price.
Yes. You can sign up for SparkReceipt in 2 minutes and start scanning receipts immediately. Export your documents from Ramp and bulk upload them to SparkReceipt (up to 100 at a time). SparkReceipt's AI will automatically scan, extract data, and categorize everything.
