Charted vs. Ramp
Charted is NetSuite-native
Charted delivers complete AP automation directly inside NetSuite. Invoice processing, approvals, payments, accruals, and vendor onboarding run natively in your ERP with no connectors, middleware, or data synchronization to maintain, keeping NetSuite as your single source of truth. Ramp is a spend management platform centered on corporate cards and employee expenses. Vendor bill processing and payments run through Ramp’s platform and have to sync to NetSuite via integration.
Why finance teams choose Charted over Ramp
Purpose-built AP depth
Charted focuses exclusively on vendor invoice processing, approvals, payments, and accruals. Charted delivers best-in-class accounts payable automation with Invoice AI processing, advanced 3-way match, and month-end accrual automation, all backed by NetSuite-native data accuracy. Ramp does not focus exclusively on AP Automation, instead focusing on corporate cards and employee expenses.
NetSuite-native architecture with lower IT overhead
Charted operates entirely inside NetSuite as a certified SuiteApp. There are no APIs to monitor, no connectors to troubleshoot, and no synchronization failures to reconcile. Ramp requires API-based integration with NetSuite, adding implementation complexity, ongoing maintenance, and requires a full NetSuite user license to support the integration.
NetSuite expertise
Charted is a NetSuite Alliance Partner staffed by NetSuite-certified experts who configure workflows around your entities, approval hierarchies, currencies, and compliance needs. Ramp emphasizes self-serve implementation designed for their environments.
Where Charted excels
Native architecture, zero maintenance
Charted runs natively in NetSuite as a certified SuiteApp with no integrations to maintain, offering embedded finance. Ramp relies on API integrations, leading to possible sync issues and reconciliation overhead.
Deep AP coverage from invoice capture to payments and accruals
Charted provides end-to-end NetSuite AP automation with Invoice AI, advanced approval routing, real-time 3-way match, accrual automation that cuts close time by 50%+, and global payments. Ramp focuses more on corporate cards and employee expenses, with vendor bill pay as an additional offering.
Highly customizable approval workflows built for AP
Charted enables email-based invoice approvals with full NetSuite audit trails and no additional licenses, cutting $1,200–$6,000+ annually and accelerating time-to-approvals by 50–75%.
Portal-free vendor onboarding that reduces fraud risk
Charted eliminates vendor portals with secure, one-click update forms that capture and validate payment details directly in NetSuite. Ramp focuses on employee and cardholder workflows, with additional support for vendor onboarding and payment workflows within the Ramp platform.
Payment automation without vendor lock-in
Charted Payment Automation supports ACH, international ACH, SWIFT wires, and flexible check printing with bring-your-own-bank support, reducing check costs to $1.50 and remaining payment-method agnostic by vendor. Ramp centers on corporate and virtual cards with bill pay synced to NetSuite.
Optimized for multi-entity, high-growth, and compliance-focused teams
Charted AP Automation is ideal for multi-entity, fast-growing organizations that need secure, audit-ready AP with real-time cross-entity visibility in NetSuite.
Complete AP visibility directly in NetSuite
Because Charted creates invoices, approvals, and payments natively in NetSuite, controllers can build real-time AP and vendor aging reports without leaving the ERP or reconciling data. Ramp’s spend and AP activity originates in its own platform and syncs via API, bringing visibility and reporting gaps within NetSuite.
Lower AP operating costs despite “free” tools
Ramp’s focus on credit card payments means their AP product costs may start at a low or even free price point, but there’s a not-so-hidden cost to operating AP across two systems. Charted keeps all AP work inside NetSuite, so teams avoid spending time reconciling Ramp and NetSuite, reduce integration maintenance, and give auditors a single system to test—lowering total cost of ownership.
Customer success story
Frequently asked questions
The main difference between Charted and Ramp is that Charted is a NetSuite-native AP automation SuiteApp that runs entirely inside NetSuite with no external platform or integrations to maintain. Charted focuses exclusively on vendor invoices, approvals, payments, and accruals, all embedded in NetSuite. Ramp is a corporate card and spend management platform that integrates with NetSuite and requires finance teams to operate within Ramp’s separate system for approvals, expenses, and cards.
Finance teams using Charted complete all AP workflows—invoice processing, approvals, payments, accruals, and reporting—directly inside NetSuite. With Ramp, teams work in the Ramp platform for card spend and expenses and then reference NetSuite for financial reporting, requiring switching between systems.
Charted stores all AP data natively in NetSuite using standard records such as vendor bills, payments, journal entries, and approval history. Ramp originates spend and transaction data in its own platform and syncs that data to NetSuite through an integration, requiring reconciliation across systems.
When using Charted AP Automation, IT only needs to manage a native NetSuite SuiteApp—no integrations or external systems to maintain. Ramp requires IT to manage and monitor the API integration with NetSuite, troubleshoot sync issues, and maintain two systems, increasing operational complexity.
Charted executes approval workflows directly in NetSuite, using native data for routing and stores complete audit trails within NetSuite records. Approvers can approve via secure email without NetSuite licenses. Ramp runs approval workflows in its own platform, with audit data syncing back to NetSuite, and is optimized primarily for card spend and expenses rather than complex vendor invoices.
Charted supports portal-free vendor onboarding and updates through secure, one-click forms that feed directly into NetSuite vendor records. All vendor data and compliance documentation remain in NetSuite. Ramp primarily focuses on employee and cardholder workflows, with vendor payments included as part of their broader spend management platform.
Charted supports ACH, international ACH, SWIFT wires, and on-premise or outsourced check printing with bring-your-own-bank flexibility, while remaining payment-method agnostic. Ramp primarily offers corporate and virtual cards with bill pay that syncs to NetSuite and generates revenue from card processing fees.
Charted is designed specifically for vendor invoice processing, AP approvals, accruals, and payments within NetSuite so it is not a replacement for Ramp’s corporate cards or employee expenses features. Many organizations use Charted for vendor AP while evaluating separate tools for employee spend if needed.
Charted implementations typically take 3–8 weeks because there is no integration to build, only NetSuite configuration and training. Ramp implementations generally take 11–22 weeks due to platform setup and NetSuite integration configuration.
Organizations choose Charted when they prioritize embedded finance via NetSuite-native AP, advanced invoice approvals, minimal IT overhead, and faster close cycles. Organizations choose Ramp when their primary focus is corporate cards, employee expense management, and spend analytics, and they are comfortable operating outside NetSuite.