Comparison · Light vs Ramp
Light vs Ramp
Ramp is best-in-class for corporate cards and spend, but it sits on top of your accounting system, not as one. Light is the agentic ERP that IS your system of record: spend, AP/AR, and multi-entity accounting in one platform, for finance teams anywhere. Switching does not mean reissuing cards: keep your Ramp cards and bring their transactions into Light.
Book a demoAt a glance
Light and Ramp, compared
| Feature | Light | Ramp |
|---|---|---|
| Can run billions of transactions | Yes | No |
| Immutable ledger | Yes | No |
| Global bill pay | Yes | No |
| Spend management | Yes | Yes |
| Subscription management | Yes | No |
| Treasury intelligence | Yes | No |
| 700 native built apps | Yes | No |
| Big4 implementation team | Yes | No |
| Workflows and agents | Yes | Yes |
4 week implementation
KPMG global partnership
Remove 4+ tools
700+ apps
The world's most demanding finance teams run on Light.
Choose the full finance system
Ramp manages cards and spend, then syncs with your accounting software. Light handles spend and the accounts in one platform.
- 01
Follow the transaction through
Keep the card purchase, receipt, coding and ledger entry together. Light’s agents work within your controls, with every action logged.
- 02
Run the group globally
Light consolidates entities and currencies continuously and pays vendors on local rails in 80+ countries.
When to choose Light
- 01
The ledger is included
Light is the system of record: spend, AP, AR and the general ledger in one platform, with no ERP decision left open.
- 02
The close happens in one place
The card transaction, the receipt and the ledger entry are one record, so there is nothing to match across systems.
- 03
Group accounts, not a dashboard
Consolidated financial statements come from the ledger itself, across every entity and currency.
Trusted by the world's
fastest growing companies
See how finance teams run lean and global on Light.
Read customer stories-
“We evaluated several vendors. Light won because it covers our full finance stack, revenue, AR, AP, expenses, and consolidation, without stitching together a patchwork of point solutions.”
Tanja, Director of FinanceOmnea -
“Even though we’re three entities, it’s like I’m running a finance department for one entity.”
Thobias, Finance ManagerAlva Labs -
“I really like that Light’s AI already gives me suggestions, GL accounts, cost centers, tax codes. I don’t have to start from scratch.”
Cédric, Finance ManagerOper Credits -
“Nine times out of ten the AI matches everything and posts it to the right account. One click and you’re done.”
Jeppe, CFOKeyShot
Built for the daily work
Bills through to payment
Capture invoices, route approvals and pay vendors from the same system.
Room to grow
One ledger built to handle billions of transactions across your business.
Trace every number
Open a report and drill straight into the transactions behind it.
Spending, under control
Expenses, vendors and cards connected to your ledger.
Expenses
Collect receipts, approve expenses and track spend as it happens.
Vendors
Keep supplier details, bills and approvals together. Apply your purchasing rules as work moves through.
Cards
Issue cards for employees and vendors. Pay with Apple Pay or Google Pay. Send receipts through Slack, Teams or email.
Frequently asked questions
Is Light a Ramp alternative?
Yes, when you want cards and expenses together with the accounting system.
Do we have to replace our Ramp cards?
No. Add your Ramp cards to Light as an external card account and bring the transactions in by CSV upload or a continuous push through the Light API. From there the transactions are handled like Light card spend: cardholders are asked for receipts, AI matches and codes each transaction, and it posts to the ledger. Your cards and your plan stay with Ramp. If you later move to Light cards, the card transaction and the ledger entry become one record.
Can Light replace our ERP too?
Light includes the ledger, consolidation, AP, AR and reporting.
What if we want to keep our ERP?
Ramp can fit teams seeking a spend platform connected to their existing accounts.
See Light at work
