PEX vs Ramp

Companies often move from Ramp when they need more precise control over how company funds are spent, not just automation and visibility.

PEX embeds granular spending rules directly into company cards so purchases follow policy automatically. Instead of relying on workflows, approvals, or post-transaction review, PEX helps prevent out-of-policy spend at the point of purchase.

Book a demo to see PEX in action or start an application to get up and running.

PEX is a spend management platform built to help finance teams control and track spending as it happens. Ramp is a broader finance platform that combines corporate cards, expense management, bill pay, and automation tools.

With PEX, spending policies, receipts, coding, and reporting are managed in real time within a card-first system. With Ramp, companies often manage spend across cards, AP, and workflows, which can introduce additional steps and post-spend processes.

PEX embeds spend controls directly into every company card. Finance teams can set limits by merchant category, department, project, location or time of day.

If a transaction violates company policy, AutoEnforcer™ automatically declines it at the point of purchase. This ensures spending stays within policy without creating approval queues or manual follow-up for finance teams.

PEX automates the expense workflow from the moment a transaction occurs. 

Receipts are captured and matched automatically, while AutoTagger™ and AI-powered GL coding categorize expenses in real time. This reduces manual review and reconciliation and keeps expense data clean without relying on post-spend processes.

PEX keeps expense data accurate and organized throughout the month so finance teams spend less time fixing issues during close.

Transactions are automatically coded, matched with receipts, and checked against policy as they occur. With clean data already in place, reconciliation and close processes are faster and more efficient.

Ramp reduces the need for manual expense reports, but many companies still rely on approvals, workflows, or post-transaction review to ensure accuracy and compliance.

PEX further reduces the need for expense reports by capturing and controlling spend directly through company-issued cards. Transactions are categorized, coded, and matched with receipts automatically in real time.

PEX offers transparent pricing with no per-user fees, so costs stay predictable as your team grows.

Pricing is based on your card program and usage. View pricing details or book a demo to find the right plan for your business.

PEX provides 24/7 support from real people, with tiered service options to meet different business needs.

From onboarding through ongoing operations, finance teams work with dedicated experts who understand spend management and accounting workflows.