Pick Digits if
founders and accountants who will live in one AI ledger and pay Essentials or Core.
Read the Digits pageDigits vs Ramp
Our take
Pick Digits if you're a founder and accountants who will live in one AI ledger and pay Essentials or Core. Pick Ramp if you're on a finance team that will issue Ramp cards and let AI code expenses / bills. Skip Digits if you're on a ecommerce brands that need a channel-native ops close (Finaloop), or team that only want a card + expense desk (Ramp). Skip Ramp if you're companies that need the general ledger itself
Best for
Digits Live books you can drill from category to transaction
Ramp Control spend before it hits the ledger
Free plan
Digits No free plan
Ramp $0 · / user / month. Cards, SMS/Slack expenses, basic AP/AR OCR, QBO/Xero, AI reporting on the Free list
Lowest paid
Digits Extra entities $35
Ramp Plus $15
Next step up
Digits Essentials $65
Ramp
Watch out
Digits No public $0 plan
Ramp Plus is per user plus a platform fee
Last checked
Digits 2026-10-28 · digits.com/pricing
Ramp 2026-10-28 · ramp.com/pricing
Which one, then?
Pick Ramp if
finance teams that will issue Ramp cards and let AI code expenses / bills.
Read the Ramp page