PayvyConsider Ramp for working AP automation, particularly if cards, expenses and purchasing need to share a platform.
AP with a broader spend platform
Payvy vs Ramp.
Ramp combines bill pay with cards, expenses and procurement. Its Bill Pay product can also be used on its own; using corporate cards is not a prerequisite.
Free software and agent access are not exclusive to Payvy. Payvy’s distinction is self-hosting, editable Rust source and an explicit separation between agent preparation and person-only decisions.
Check the conditions in your approval policy, ERP requirements and procurement scope before assuming the free plan covers the workflow.
EIGHT AREAS THAT CHANGE THE DECISION
Feature by feature.
Vendor capabilities are documented offerings, subject to the caveats below. Payvy statuses describe the current rebuild, not the older product.
| Feature | Ramp | Payvy Early build |
|---|---|---|
| Invoice capture | OCR captures invoice fields and line items. Automated coding and approval recommendations extend the workflow; Plus lists these additional AI capabilities. | In the source Document inbox, email intake and model extraction are implemented. Originals live in configured S3-compatible storage. Extraction checks amounts, matches vendors and produces drafts; quality depends on the model and document. |
| Approvals & controls | Amount-based routing is available to all customers. Conditions such as vendor, entity and accounting fields require Plus. Supports approval groups, separation of duties and a separate payment-release stage. | In the core Vendor workflows support named approvers, amount thresholds, timed holds and external signals. Bills retain their workflow version. Person keys approve and release; changes produce audit events. |
| Payment execution | Supports ACH, same-day ACH, checks, card payments and domestic or international wires. Bill Pay can operate independently of Ramp’s card and expense products. | Mercury in the source The reviewed build implements Mercury payments, person-authorized release, request or direct mode, status polling and handling of failures and returns. Other banks and international currencies are planned. Source implementation is not hosted launch availability. |
| Accounting & ERP sync | Free includes QuickBooks Online and Xero. Plus adds NetSuite, Sage Intacct and multi-entity support; Enterprise lists Workday and Oracle Fusion Cloud. | Planned VisiBooks, QuickBooks Online and Xero sync are planned, alongside ERP connections for NetSuite, Sage Intacct, Microsoft Dynamics 365 Business Central and Acumatica. No accounting or ERP connector is implemented in the reviewed rebuild. |
| Purchasing & PO matching | The procurement add-on covers purchase intake, approval workflows, PO creation and three-way matching with Ramp POs. Confirm the connector and receipt workflow for imported POs. | Planned PO matching is planned. Purchase requests, receiving and a procurement suite are not available in the current build. |
| Suppliers & tax workflows | Collects bank details and W-9s, stores vendor history and exports tax information for filing workflows. Vendors do not have to create a Ramp account to receive payment. | Core + gaps Vendor records and vendor-specific workflows are implemented. A supplier onboarding portal, tax validation and 1099 filing are not available. |
| APIs & agent access | OAuth scopes cover bills, payments, approvals and purchase orders. Ramp also has MCP and CLI access, with read-only or full access constrained by the user’s role. Some endpoints require plan entitlements. | In the core REST and MCP expose the same command registry. Agent keys can prepare bills and propose workflows; person-only actions are excluded. Release uses preview and single-use confirmation. |
| Hosting & operations | A hosted platform with configurable controls and integrations. Your team administers its permissions and processes; Ramp operates the application. | Self-hosted AGPL-3.0-only source with no per-seat license charge; self-hosters operate their own infrastructure. Planned hosted pricing is $39/company/month with your own agent or AI provider keys, or $99/company/month with a Payvy-managed agent. Both include unlimited users and agent connections. Provider usage is separate on the $39 plan; included AI limits on the $99 plan will be defined before launch. |
Payvy source reviewed November 10, 2026. This column is based on the project status, command registry, payment implementation, extraction implementation and email intake documentation at revision 9829c85. An implemented API is not a production-ready end-user app.
THE PRICING MODEL
Free; Plus $15/user/month + platform fee
Ramp Free has no per-user software fee. Plus adds a platform fee based on team size; annual billing is discounted. Enterprise is custom-priced, and procurement is an add-on to Plus or Enterprise.
PAYVY
$0 self-hosted license.
Self-hosters cover infrastructure, maintenance, storage, AI services and bank charges.
Planned hosted pricing is $39/company/month with your own agent or AI provider keys, or $99/company/month with a Payvy-managed agent. Both include unlimited users and agent connections. Provider usage is separate on the $39 plan; included AI limits on the $99 plan will be defined before launch.
Explore the hosted plans →Hosted Payvy is in development. Availability has not been announced.
BEFORE YOU CHOOSE
Bring a real workflow
to the demo.
These are our suggested evaluation questions, not claims that Ramp fails them.
- Do you need routing by vendor, entity or GL code, or only by amount?
- Which ERP and procurement features are included in the quoted subscription?
- What can a connected agent change under the selected access level and user role?
Sources and scope
Reviewed November 9, 2026. We used official vendor documentation and pricing, not hands-on product testing. Buyer-fit notes are the Payvy team’s interpretation. Prices are in USD where published; fees, discounts, regions, modules and contracts can change the total.
“Not verified” means the reviewed sources do not establish a capability or entitlement. It does not mean the vendor lacks it. Confirm your requirements directly before choosing a system.