Ramp vs Float

Why businesses choose Ramp over Float

Close your books faster on Ramp. AI-powered local tax coding and spend automation that saves businesses time and money.

Ramp vs Float
70,000+ finance teams have saved millions of hours with Ramp.
notion
shopify
notion
shopify
notion
shopify

Top 3 reasons leaders pick Ramp over Float

Your books close themselves.

Float tracks what you spend. Ramp’s automation closes the books faster. AI codes every transaction, applies your policy, routes approvals, and syncs your books.

GST/HST/PST/QST. Every province, coded automatically.

Canadian taxes require built-for-purpose automation. Ramp maps the right tax code to every transaction automatically, across all provinces, so every purchase is coded correctly.

Integrations built for Canadian businesses.

Ramp syncs with QuickBooks Online, Xero, NetSuite, Microsoft Business Central, and Sage Intacct, automatically mapping Canadian tax codes and GL structures on every transaction.

Compare Ramp vs. Float

ramp
Float
Canadian accounting automations
Localized tax codes included
Localized tax codes included
Single-use virtual cards
Available for vendor payments
Available for vendor payments
Virtual and physical cards
Unlimited virtual and physical cards in CAD and USD
Limited to 20 physical cards on Free Plan; CAD and USD
Receipt capture
SMS, mobile app, and automated merchant-integration pull
Manual capture via SMS, app, and email forwarding; no automated merchant-integration pull
Transaction coding and policy enforcement
AI-driven tax coding, transaction coding, and policy enforcement in one flow
Rule-based transaction coding
Approvals and merchant categorization
Advanced approvals and merchant categorization included
Limited approvals and categorization gated to Professional tier
Multi-entity management
Single consolidated account with cross-entity controls across Canada and US
Separate, separately billed accounts per entity
ERP sync
Bi-directional sync with QBO, Xero, Business Central, NetSuite, Sage Intacct; highly automated
Fewer ERP integrations; gated features with less granular sync reliant on manual rules
Card funding model
True charge card with a credit limit, underwritten on the business
Prepaid/pre-funded model—cash tied up against your limit

Ramp is the only vendor that can service all of our employees across the globe in one unified system. They handle multiple currencies seamlessly, integrate with all of our accounting systems, and thanks to their customizable card and policy controls, we're compliant worldwide.

Brandon Zell

Chief Accounting Officer, Notion

Customer headshot

Ramp vs Float - Which platform is right for your business?

Float can work for basic corporate card and expense tracking. But scaling means more cards, more currencies, and more policies—and basic tools can't keep up. Ramp gives you unlimited cards in both currencies, automated GST/HST/PST coding, AI-powered expense and approval workflows, and direct ERP sync, all with governance built in from day one. 70,000+ businesses already run on Ramp—now with native Canadian tax and ERP workflows built in.

3x

faster book close

5%

saved on average

70,000+

businesses run on Ramp

FAQ

Getting started centers on your accounting setup. Ramp imports your existing GST, HST, and PST codes, maps them to your GL structure automatically, and connects to your ERP, so the tax and accounting work carries over without manual rebuilding. Virtual cards issue instantly, and physical cards are ordered for your team. The Canadian team can walk you through migration and the right sequence for your business.

Virtual cards are active right away, so teams can start spending quickly. Full go-live depends on your team size, number of entities, and accounting stack, and the Canadian team scopes the timing with you up front.

Every Canadian business is backed by a nationwide Canadian team with expertise in Canadian banking, tax, and finance workflows

Ramp syncs two-way with QuickBooks Online, Xero, NetSuite OneWorld, and Sage Intacct, with broader ERP support via a universal CSV format. It automatically maps Canadian tax codes and GL structures and posts transactions, reimbursements, and bill pay without manual cleanup, keeping the books current rather than exporting and reconciling them at close.

Ramp is available to eligible Canadian businesses with a corporate legal entity in most provinces. Underwriting is on the business, so no personal guarantee is required.

Time is money. Save both.