Found vs Ramp (2026): Pricing, Features & Verdict
Ramp is our pick, scoring 7.8/10 against 5.7/10 for Found on our Finance Software criteria. Its biggest advantage: higher Scalability score (8/10 vs 2/10). For 10 users, Found and Ramp are both free; both Found and Ramp have a free plan.
Last updated: November 2026
Found
5.7/10
Found is a US business banking app for self-employed people and sole proprietors that combines a checking account, bookkeeping, invoicing and tax tools.
Ramp
7.8/10
Ramp is a US spend management platform that combines corporate cards, expense management, bill pay, AR invoicing and AI accounting automation for finance teams.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 5.7/10 | 7.8/10 |
| Scalability | 2/10 | 8/10 |
| Analytics | 4/10 | 7/10 |
| Compliance | 5/10 | 7/10 |
| Integration | 5/10 | 8/10 |
| Security | 6/10 | 8/10 |
| Support | 5/10 | 7/10 |
| Cost | 9/10 | 8/10 |
| Customization | 3/10 | 7/10 |
| Ease of Use | 8/10 | 9/10 |
| Pricing | ||
| Free plan | Yes | Yes |
| Cheapest paid plan | $35/mo Found Plus | $15/user/mo Plus |
| Estimated cost for 10 users | Free Found | Free Free |
| Features | ||
| Multi-currency | ||
| Multi-entity Consolidation | ||
| Accountant Access | ||
| Corporate Cards | ||
| Expense Management | ||
| Invoicing | ||
| Accounts Payable | Not listed | |
| Audit Trail | Not listed | |
| Bank Reconciliation | Not listed | |
| Financial Reporting | Not listed | |
| Inventory Accounting | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
Found vs Ramp cost by team size
Found and Ramp cost the same at every team size we checked.
| Team size | Found | Ramp |
|---|---|---|
| 1 user | FreeFound | FreeFree |
| 5 users | FreeFound | FreeFree |
| 10 users | FreeFound | FreeFree |
| 25 users | FreeFound | FreeFree |
| 50 users | FreeFound | FreeFree |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Who Found and Ramp suit
Found fits freelancers better; Ramp fits enterprise better.
| Audience | Found | Ramp |
|---|---|---|
| Freelancers | 10/10Found is built specifically for self-employed people and sole proprietors. | 2/10Ramp requires an incorporated business with a business bank account, so sole freelancers are generally not eligible. |
| Enterprise | 1/10It offers no multi-entity, payroll or enterprise controls. | 7/10The Enterprise tier adds Workday and Oracle Fusion integrations and local cards in 30+ countries, and enterprise spending on the platform has grown, though AP depth trails dedicated suites. |
| Small Business | 6/10It fits solo owners, but its lack of payroll and its low default limits hold back growing teams. | 7/10The free plan works well for small firms, but businesses need to be a US corporation or LLC with a meaningful cash balance. |
| Accountants and Bookkeepers | Not rated | 7/10Accounting firms get an Advisor Console to switch between client accounts and manage staff access, along with a partner program. |
| Content Creators | 8/10Its tax set-asides and syncing with payment apps suit creators and gig workers whose income varies. | Not rated |
| Finance Teams | Not rated | 9/10Cards, bill pay, accruals and ERP sync are designed to cut close time for controllers and AP staff. |
| Mid-Market | Not rated | 9/10The Plus plan adds multi-entity support, NetSuite and Sage Intacct sync, custom roles and audit logs, which growing mid-market finance teams need. |
| Startups | Not rated | 9/10The free plan, the card with no personal guarantee and a quick setup suit venture-backed startups, which Kruze reports mostly stay on the free tier. |
Which One Should You Choose?
Why choose Found
- Higher Cost score (9/10 vs 8/10)
- Better fit for freelancers (10/10 vs 2/10)
Why choose Ramp
- Higher Scalability score (8/10 vs 2/10)
- Higher Customization score (7/10 vs 3/10)
- Better fit for enterprise (7/10 vs 1/10)
- Includes Multi-currency, which Found lacks
- Includes Multi-entity Consolidation, which Found lacks
Pros & Cons
Found
Pros
- The free plan has no monthly fee, no minimum balance and free ACH transfers.
- Tax estimates are calculated and set aside automatically, and Plus can make quarterly federal tax payments for Schedule C filers.
- Banking, bookkeeping, unlimited invoicing and contractor 1099s all live in one app.
- Paid plans pay interest of up to 2.50% APY with no cap on Pro.
Cons
- There is no W-2 payroll, and it cannot handle complex accounting such as depreciation.
- Default outgoing limits are low, with card purchases capped at $4,000 a day, according to Wise and Merchant Maverick.
- Instant payments cost 1.75%, and outgoing wires cost $15 on the free plan.
- Some users report slow transfers and weak customer support.
Ramp
Pros
- The Free plan includes unlimited cards, bill pay, AR invoicing and QuickBooks and Xero sync, so small teams can get a lot without paying for software.
- The corporate card needs no personal guarantee or credit check, and Kruze's review reports 1.5% cash back on card spend.
- Reviewers consistently praise how easy it is to issue cards and capture receipts. G2 averages about 4.8 out of 5 from roughly 2,400 reviews.
- There are more than 200 integrations, including over 40 ERPs and major HR and payroll systems such as ADP, Gusto and Workday.
- Month-end accruals post with automatic reversals, and the AI Accounting Agent auto-codes transactions to speed up the close.
- Security includes SOC 2 Type II, PCI compliance, SSO with Okta, Google or Azure, and MFA for every user.
Cons
- Ramp is built for US corporations and LLCs, and a cash balance of around $75,000 is typically expected, which rules out sole traders and many very small firms.
- Card purchases in currencies other than USD carry a 3% foreign transaction fee, and local-currency cards in other countries require Enterprise.
- Multi-entity support, NetSuite and Sage Intacct sync, custom roles and the audit log all require the paid Plus plan, which adds a platform fee on top of per-user pricing.
- Some users describe AP and bill pay as basic and say ERP sync runs in daily batches rather than in real time.
- Some users report thin onboarding and support that relies on bots, and Kruze's reviewer survey gives customer service its lowest score.
Not sold on either?
Frequently Asked Questions
Ramp scores higher on our Finance Software criteria: 7.8/10 against 5.7/10 for Found. The largest gap is in Scalability: 2/10 for Found and 8/10 for Ramp.
Both are free for 10 users.
Yes, both Found and Ramp have a free plan.
Found is the better fit for freelancers: we rate it 10/10 for them, against 2/10 for Ramp.
Ramp has Multi-currency and Multi-entity Consolidation, which Found lacks.
