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Compare · facts captured 2026-08-26

Ficary vs Ramp

Ramp is corporate cards, expense, bill pay, travel, and treasury that syncs into the ERP you keep. ficary is a leftover inbox on its own ledger. Sourced from ramp.com/pricing, 2026-08-26. Not a card replacement.

Nominative comparison, not a partnership. Firm sales open when this suite is in the product. Tax prep stays last. ficary has not earned SOC 2, ISO 27001, or a HIPAA attestation. Nominative comparison only. No marquee-logo GTM. No distressed-reference case study.

Side by side

AxisRampficary
JobCards, expense, bill pay, travel, procurement, treasuryLeftover inbox + receipts + bills on one ledger
CardsThe product — unlimited virtual and physicalWe do not issue cards. Cleared spend is leftover until coded
LedgerSync to QuickBooks, Xero; Plus adds NetSuite, Intacct, and moreficary is the ledger
1099$0.65 per IRS filing. Free state filingOn-screen NEC totals from posted payments. We do not file
PriceFree $0. Plus $15/user/month plus a platform fee (20% off annual). Enterprise quoteOwner Free/Pro. Firm SKU unpublished

Choose Ramp when

Choose Ramp when the team needs cards, travel, or treasury this month and will keep the ledger in QuickBooks, Xero, or an ERP.

Unlimited cards, receipt matching, bill pay, travel, and a $0 software tier. If issuing plastics this week is the job, they already sell that.

Choose ficary when

Choose ficary when uncoded spend still wakes you up, or when as-of AP has to sit on the same books as WIP and A/R.

The books. A locked card is not a closed period. Uncoded swipes, as-of payables, and leftovers live here.

If you switch

Map a native export on Practice → Import. Vendors and bills first. Card history is a bank-shaped leftover, not a plastic we issue. Live one-click cutover is not shipped.

Full Ramp migration guide

Isolation and private inference: Protected SKU. No earned SOC 2, ISO 27001, or HIPAA badge. No client stories and no unpublished seat prices.

Questions

Is ficary a Ramp alternative today?

Not for cards, travel, or treasury. Ramp wins those jobs. ficary is the leftover inbox when the books should live here.

What does Ramp cost?

Public list on 2026-08-26: Free is $0 per user. Plus is $15 per user per month plus a platform fee based on team size, 20% off annual. Enterprise is custom. Source: ramp.com/pricing.

Sources

  • Ramp · captured 2026-08-26
  • Ramp pricing · captured 2026-08-26

Also: Ramp alternatives · leave Ramp · ficary vs BILL · ficary vs Brex · ficary vs FloQast · ficary vs QuickBooks Online · all comparisons

Practice + books

The practice platform with a ledger underneath.

Google and Microsoft. As-of WIP. Realization. Fee caps. One close. Write us when you are ready to leave.

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fficary

ficary posts the obvious, collects what you invoice, and holds the leftovers for you. Owners and firms. Same books. Use at your own risk. Check every number against your own independent records.

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