Live transaction feed
Every connected card and account in one live feed per team.
The listBest Ramp alternatives in 2026, at a glance
If you're leaving Ramp, the first question is whether you'll take a new card.
At a glanceClyr vs Ramp at a glance
BreadthWhat Clyr does that a card program doesn't need you to switch for
Your cards, no switch
Amex direct. Visa and Mastercard through card feeds. Bank accounts across 16,000+ institutions.
Receipt by text
A text at the swipe. Email and a no-login link cover everyone else.
Coding rules + AI
Rules by vendor, amount or card, plus AI. Unsure items wait for a person.
Approvals
Multi-step, by amount, vendor or team.
Reimbursements + mileage
Personal-card spend becomes a reimbursement. Mileage by text.
Bills and vendors
ACH or check, PO match, and 1099 e-filing.
Job costing + billables
Job costing while the job is open, with billables and markup.
Also: roles and permissions, custom fields, multi-entity, reports and exports, a compliance leaderboard.
No spinThe honest version of this comparison
Ramp's help center says the company is paid primarily when the Ramp card is used, through a share of interchange, plus optional paid plans. The corporate card page is the product: receipt texts, spend controls, and bill pay sit on that card, after the company is approved and a limit is set from business financials. A card you already have can be connected only as one personal card, on a paid plan, to draft a reimbursement. It does not become the company card feed.
Clyr sells software and issues no card. The cards already in wallets are the cards that get managed.
Head to headHow Clyr and Ramp differ, line by line
Existing cards. Ramp's card feed is the Ramp card. A non-Ramp card connects only as one personal card, for reimbursements, on a paid plan. Clyr connects the Amex, Visa, and Mastercard accounts the company already holds, across 16,000+ institutions, and issues no replacement. The guide to keep your existing cards walks through the connection and the tradeoffs.
Receipts. Clyr texts the cardholder at the swipe. A photo reply closes it, and a no-login link covers a sub or helper with no account. Ramp also takes a receipt by text. That path is for a Ramp card transaction.
Job costing. Clyr codes spend to jobs, cost codes, properties, and GL accounts with rules and AI, and shows budget against actual while the job is open. Ramp for Construction can tag Ramp spend to a project and cost code. That coding is listed on a paid plan, and it still runs on Ramp cards.
Bill pay and the books. Clyr keeps approvals, ACH, check, and card payments, PO matching, utility bill retrieval, and 1099 e-filing in the same system as card spend. It syncs two ways with QuickBooks and also connects to Xero, NetSuite and Sage Intacct, plus ServiceTitan, Jobber, Procore, Buildertrend, Buildium and AppFolio (two-way sync). See integrations.
Clyr connects to QuickBooks (two-way), Xero, NetSuite and Sage Intacct for accounting; ServiceTitan, Jobber, Service Fusion and Connecteam for field service; Procore and Buildertrend for construction; AppFolio (two-way sync), Buildium and Rent Manager for property management; and Hostaway and Hosthub for short-term rentals. Bank accounts connect across 16,000+ institutions. See all integrations.
Ramp + ServiceTitan, if you'd rather keep your cards
Clyr connects to ServiceTitan on the cards you already have, in the US and Canada. Job-coded card expenses, supply-house bills and refunds sync to the job. Ramp's ServiceTitan integration runs on Ramp cards and is for US businesses only.
PricingPricing model
Ramp publishes a free plan and paid plans, and says the free product is paid for by Ramp card use. Construction project coding is on a paid plan. Clyr is paid software with no card. The fee is what you pay to keep the cards you already have.
Who should choose Ramp
Teams that will get the company approved, issue Ramp cards, and run expenses on that card. Existing company Amex, Visa, and Mastercard cards are not the feed.
Who should choose Clyr
Construction, property management, and field service companies, and the bookkeepers who close their books, that want receipts by text, coding to jobs and properties, approvals, and bill pay on the cards already in use.
MigrationSwitching from Ramp to Clyr
There is no card to replace. Connect the accounts the company already has. Admin setup takes about 15 minutes, staff start from a text the same day, and jobs and vendors come in through the accounting sync.
FAQFrequently asked questions
What is the best Ramp alternative?
For companies that want to keep their own cards, Clyr. It runs on the Amex, Visa or Mastercard you already have: every swipe lands in one live feed, the cardholder texts the receipt, rules and AI code it to the job or property, and approvals, reimbursements and bill pay run in the same place. Most alternatives ask you to move spend onto their own card.
Is there a Ramp alternative that works with my existing cards?
Yes. Clyr connects the Amex, Visa and Mastercard cards and the bank accounts the company already has, and issues no card of its own. Rewards, credit lines and the bank relationship stay where they are. Ramp's expense feed and card controls run on Ramp cards.
What's the best Ramp alternative for contractors?
Clyr. Crews keep the company cards they already carry. Clyr texts them at the swipe, codes the receipt to the job and cost code, flags billables with markup, and shows budget against actual while the job is open. Job-coded expenses sync to ServiceTitan or Jobber, and the books sync two ways with QuickBooks.
Why does Ramp require its own cards?
Ramp says it is paid primarily when the Ramp card is used, through a share of interchange, plus optional paid plans. The expense tools are built on that card.
Can I use Ramp with ServiceTitan without switching cards?
Use Clyr. It connects ServiceTitan to the cards you already have, in the US and Canada. Jobs, customers and technicians sync into Clyr, and job-coded expenses, supply-house bills and refunds sync back to the job. Ramp's ServiceTitan integration runs on Ramp cards and is US-only.
Do I need a credit application for Clyr?
No. Clyr is not a card issuer or a lender. You connect the cards and bank accounts you already have. There is no new limit to underwrite.
Can field crews send receipts without an app?
Yes. Clyr texts the cardholder at the swipe, and a photo reply is enough. A no-login link covers subs and helpers who have no account.
How long does switching from Ramp to Clyr take?
About 15 minutes of admin setup. Connect the cards you already have, set coding rules, and staff can start from a text the same day.
Get a demoKeep your cards. See the feed.
Keep your cards. See the feed.