Introducing G2.ai, the future of software buying.Try now
Compare Melio and Ramp 
Featured Products
Sponsored
ExpensePoint
(60)
Vendor Management
Visit Website
Sponsored
Paytiko
Vendor Management
Visit Website
Sponsored
Quadient Accounts Payable Automation by Beanworks
(200)
Vendor Management
Visit Website
At a Glance
Market Segments
Mid-Market (100.0% of reviews)
Small-Business (96.8% of reviews)
Entry-Level Pricing
Free
Free
Melio
Star Rating
(242)4.5 out of 5
Market Segments
Mid-Market (100.0% of reviews)
Entry-Level Pricing
Free
Free Trial is available
Browse all 4 pricing plansRamp
Star Rating
(2,186)4.8 out of 5
Market Segments
Small-Business (96.8% of reviews)
Entry-Level Pricing
Free
Free Trial is available
Browse all 3 pricing plansSummary
AI Generated Summary
AI-generated. Powered by real user reviews.
- Users report that Melio offers a user-friendly interface with a high Ease of Use score of 9.2, while Ramp excels with a score of 9.5, making it slightly easier for users to navigate and utilize its features effectively.
- Reviewers mention that Ramp's Quality of Support, rated at 9.2, significantly outperforms Melio's score of 8.4, indicating that Ramp provides more responsive and helpful customer service, which is crucial for small businesses needing timely assistance.
- G2 users highlight that Ramp's Product Direction score of 9.7 reflects a strong commitment to continuous improvement and innovation, whereas Melio's score of 8.5 suggests it may not be evolving as rapidly, which could impact long-term usability.
- Users on G2 report that Ramp's Overpayments feature, with a score of 8.1, is more effective in preventing errors compared to Melio's lower score of 6.7, indicating that Ramp may offer better safeguards against financial discrepancies.
- Reviewers say that Melio's Payments feature, rated at 9.1, is robust, but Ramp's score of 9.2 suggests it has a slight edge in processing payments efficiently, which is a critical function for small businesses managing cash flow.
- Users mention that Ramp's Duplicates feature, scoring 8.7, is more effective in identifying and managing duplicate entries compared to Melio's score of 6.9, which can help streamline accounting processes and reduce errors.
Pricing
Entry-Level Pricing
Melio
Melio Go
Free
Melio Go is free and ideal for businesses looking to enhance cash flow, streamline payments, and handle transactions however they prefer.
- 5 free ACH transfers per month
- 10 free syncs with QuickBooks Online & Xero
- Pay by card or bank—vendor receives check, ACH, or wire transfers
Ramp
Ramp
Free
Control spend, automate payments, and close the books faster for greater financial health on the ultimate platform.
- Unlimited cards and smart controls
- Automated receipt collection and matching
- Expense and mileage reimbursements
Free Trial
Melio
Free Trial is available
Ramp
Free Trial is available
Ratings
Meets Requirements
8.7
199
9.4
1,708
Ease of Use
9.2
201
9.5
1,748
Ease of Setup
9.1
148
9.3
1,084
Ease of Admin
9.1
99
9.4
1,050
Quality of Support
8.4
176
9.2
1,436
Has the product been a good partner in doing business?
9.0
99
9.5
1,035
Product Direction (% positive)
8.5
182
9.7
1,632
Features by Category
Expense Reports
Not enough data
9.1
883
Not enough data
9.3
1031
Not enough data
9.0
980
Not enough data
9.6
1126
Not enough data
9.4
894
Not enough data
8.6
466
Not enough data
Feature Not Available
Agentic AI - Expense Management
Not enough data
7.6
35
Not enough data
8.2
35
Travel Management
Not enough data
Feature Not Available
Not enough data
8.1
447
Not enough data
Feature Not Available
Not enough data
8.5
490
Client Invoicing
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Mobile
Not enough data
9.6
1109
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Platform
Not enough data
8.6
670
Not enough data
8.8
712
Administration
Not enough data
8.9
486
Administration
Not enough data
9.0
833
Not enough data
9.3
943
Not enough data
9.4
1081
Not enough data
9.3
979
Not enough data
9.4
1050
Platform
Not enough data
9.1
906
Not enough data
8.9
679
Not enough data
Feature Not Available
Not enough data
9.5
1042
Not enough data
9.1
720
Not enough data
Feature Not Available
Payment Methods
9.3
7
Not enough data
9.3
7
Not enough data
9.8
7
Not enough data
Payment Processing
8.1
7
Not enough data
9.3
7
Not enough data
8.3
7
Not enough data
8.6
7
Not enough data
8.1
7
Not enough data
8.6
7
Not enough data
9.3
7
Not enough data
Security and Compliance
7.6
7
Not enough data
7.6
7
Not enough data
7.6
7
Not enough data
8.1
7
Not enough data
7.6
7
Not enough data
7.6
7
Not enough data
Integration
7.9
7
Not enough data
7.6
7
Not enough data
7.9
7
Not enough data
Payment Types
9.4
6
Not enough data
7.5
6
Not enough data
7.2
6
Not enough data
Agentic AI - Enterprise Payment
Not enough data
Not enough data
Setup
Not enough data
9.0
638
Not enough data
9.3
786
Not enough data
9.2
441
Performance
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
8.2
435
Not enough data
8.8
566
Payment Cards
Not enough data
9.3
604
Not enough data
9.5
644
Not enough data
9.5
694
Reporting
Not enough data
9.5
691
Not enough data
9.2
586
Not enough data
9.1
566
Not enough data
Feature Not Available
Payments
Not enough data
9.1
553
Not enough data
9.2
576
Not enough data
9.2
625
Not enough data
9.2
549
Fraud & Risk Management
Not enough data
9.3
719
Not enough data
9.4
696
Not enough data
9.4
688
Agentic AI - Spend Management
Not enough data
7.4
36
Planning
Not enough data
9.1
33
Not enough data
8.0
32
Not enough data
8.4
32
Not enough data
8.3
30
Execution
Not enough data
8.2
31
Not enough data
8.7
33
Not enough data
7.9
30
Analytics
Not enough data
9.0
35
Not enough data
9.1
34
Not enough data
8.6
37
Agentic AI - Procure to Pay
Not enough data
7.7
5
Data Management
Not enough data
8.6
44
Not enough data
9.1
45
Not enough data
8.3
44
Not enough data
9.1
46
Not enough data
8.8
45
Agentic AI - Accounts Payable (AP) and Spend Analysis
Not enough data
8.0
15
Analytics
Not enough data
7.9
42
Not enough data
8.1
41
Not enough data
8.3
43
Not enough data
8.7
44
Recovery
Not enough data
9.0
43
Not enough data
8.1
40
AP Data Processing
Not enough data
9.0
44
Not enough data
9.1
44
Not enough data
9.3
43
Invoice Management
8.5
41
9.2
124
7.5
37
Feature Not Available
7.7
37
8.7
118
Invoice Processing
7.8
40
8.8
126
9.1
46
9.2
128
8.5
41
9.1
130
7.3
31
Feature Not Available
Analytics
8.7
41
9.0
126
Feature Not Available
Feature Not Available
Feature Not Available
Feature Not Available
Integration
9.1
43
9.1
130
8.7
43
Feature Not Available
Feature Not Available
8.6
118
Risk
8.0
35
Feature Not Available
7.6
34
Feature Not Available
7.4
31
Feature Not Available
Recovery
7.8
28
Feature Not Available
8.0
33
Feature Not Available
Audit
6.8
30
Feature Not Available
7.0
28
Feature Not Available
6.7
30
8.1
110
6.9
32
8.7
118
Fraud
7.5
31
Feature Not Available
7.6
29
Feature Not Available
7.8
27
Feature Not Available
Agentic AI - AP Automation
Not enough data
6.4
12
Not enough data
6.1
12
Not enough data
6.8
12
Invoice Generation
8.7
46
Not enough data
9.2
53
Not enough data
8.5
47
Not enough data
Invoice Processing
8.8
49
Not enough data
8.7
49
Not enough data
8.6
45
Not enough data
8.9
51
Not enough data
Analytics
9.0
58
Not enough data
8.4
47
Not enough data
7.9
43
Not enough data
8.9
55
Not enough data
Integration
8.7
54
Not enough data
8.8
54
Not enough data
8.2
41
Not enough data
8.8
48
Not enough data
Agentic AI - Invoice Management
7.5
6
Not enough data
7.8
6
Not enough data
6.9
6
Not enough data
Payment Processing
9.0
97
Not enough data
8.8
98
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
Administration
Feature Not Available
Not enough data
Feature Not Available
Not enough data
8.2
106
Not enough data
Feature Not Available
Not enough data
8.5
82
Not enough data
8.2
77
Not enough data
7.9
70
Not enough data
Payment Options
Feature Not Available
Not enough data
8.9
113
Not enough data
Security
Feature Not Available
Not enough data
Platform
8.7
102
Not enough data
8.0
71
Not enough data
Expense Reporting
Not enough data
9.5
115
Not enough data
9.4
111
Not enough data
9.4
110
Not enough data
9.4
114
Travel Management
Not enough data
Feature Not Available
Not enough data
8.1
447
Not enough data
Feature Not Available
Not enough data
8.5
490
Approval
Not enough data
9.5
112
Not enough data
9.5
104
Not enough data
9.7
117
AI - Travel Management
Not enough data
8.0
35
Not enough data
8.0
35
Not enough data
8.3
35
Not enough data
8.9
35
Not enough data
8.8
35
Agentic AI - Travel Management
Not enough data
8.5
17
Not enough data
8.2
17
Platform Basics
8.7
43
Not enough data
8.6
42
Not enough data
Platform Administration
7.4
41
Not enough data
7.4
41
Not enough data
7.8
43
Not enough data
Platform Payment Content
7.8
41
Not enough data
7.8
41
Not enough data
6.9
38
Not enough data
Reporting
9.0
34
Not enough data
7.9
31
Not enough data
8.8
34
Not enough data
Integrations
9.0
34
Not enough data
8.1
31
Not enough data
8.2
32
Not enough data
Transactions
8.1
32
Not enough data
9.5
34
Not enough data
9.1
35
Not enough data
Workflows
8.8
32
Not enough data
8.7
33
Not enough data
Agentic AI - Accounts Receivable Automation
Not enough data
Not enough data
AI - Accounts Receivable
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Purchase Requisition and Approval Workflow - Procurement Orchestration
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Supplier Management - Procurement Orchestration
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Spend Management - Procurement Orchestration
Not enough data
Not enough data
Not enough data
Not enough data
Compliance and Risk Management - Procurement Orchestration
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Workflow Automation - Procurement Orchestration
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Agentic AI - Procurement Orchestration
Not enough data
Not enough data
Agentic AI - Accounting & Finance
Not enough data
Not enough data
Agentic AI - Vendor Management
Not enough data
6.5
11
Revenue Recognition
Not enough data
8.7
68
Not enough data
7.2
64
Not enough data
7.4
64
Categories
Categories
Shared Categories
Melio and Ramp are categorized as AP Automation
Unique Categories
Melio is categorized as Payment Processing, Enterprise Payment, Accounts Receivable, Invoice Management, and Contractor Payments
Ramp is categorized as Accounts Payable (AP) and Spend Analysis, Procure to Pay, Spend Management, Travel Management, Expense Management, Vendor Management, and Procurement Orchestration
Reviews
Reviewers' Company Size
Melio
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Ramp
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Small-Business
(50 or fewer emp.)
Mid-Market
(51-1000 emp.)
Enterprise
(> 1000 emp.)
Reviewers' Industry
Accounting
30.0%
Marketing and Advertising
11.1%
Retail
6.3%
Real Estate
5.3%
Consulting
4.7%
Other
42.6%
Computer Software
21.9%
Non-Profit Organization Management
10.3%
Financial Services
8.0%
Construction
7.1%
Marketing and Advertising
5.3%
Other
47.4%
Most Helpful Reviews
Melio
Most Helpful Favorable Review
Joshua S.
Verified User in Education Management
The ability to schedule payments to vendors far in advance. This saves our business a lot of time when it comes to end-of-month task items. The UI is also extremely easy to understand and work around. Unlike allot of other payment processors, Melio has the...
Most Helpful Critical Review
Simon W.
Verified User in Accounting
Update: they no longer support multiple accounting platforms. if you pick one and try to switch, it doesn't work. Over a month and they can't find a solution besides telling me to start a new account and then charge me a monthly fee for it. I referred my...
Ramp
Most Helpful Favorable Review
Brian G.
Verified User in Religious Institutions
Ramp does a great job at the most basic/core function of providing a great platform for corporate cards. Its easy for our employees to use and provides a great number of features that encourages employees to track expenses better. Meanwhile, the platform...
Most Helpful Critical Review
Verified User in Computer Software
No app available, so everything needs to be done via the computer which is a pain when traveling. This is particularly an issue for submitting receipts...
Joshua S.
Verified User in Education Management
The ability to schedule payments to vendors far in advance. This saves our business a lot of time when it comes to end-of-month task items. The UI is also extremely easy to understand and work around. Unlike allot of other payment processors, Melio has the...
Brian G.
Verified User in Religious Institutions
Ramp does a great job at the most basic/core function of providing a great platform for corporate cards. Its easy for our employees to use and provides a great number of features that encourages employees to track expenses better. Meanwhile, the platform...
Simon W.
Verified User in Accounting
Update: they no longer support multiple accounting platforms. if you pick one and try to switch, it doesn't work. Over a month and they can't find a solution besides telling me to start a new account and then charge me a monthly fee for it. I referred my...
Verified User in Computer Software
No app available, so everything needs to be done via the computer which is a pain when traveling. This is particularly an issue for submitting receipts...
Discussions
Is Melio service legit?
4 Comments
SB
Yes, it's fantastic.Read more
What is Melio service?
2 Comments
BC
Melio is an ACH solution that allows you to send and receive payments without any fees. Read more
What is Melio app?
2 Comments
OM
Melio App allows me to conveniently and quickly pay my contractors via ACH. Read more
When can we expect a native iOS app? When can we see Microsoft identity integration?
3 Comments
NS
Hi Jason - Happy to share that our team is heads-down working on a beta release for iOS due in August. No plans for Microsoft SSO on the roadmap, but if...Read more
Ramp has no more discussions with answers
Hunting for software insights?
With over 3 million reviews, we can provide the specific details that help you make an informed software buying decision for your business. Finding the right product is important, let us help.