Customers who switched from Ramp to Brex

These companies reassessed their finance stack and switched to Brex to cut month-end close time, gain real-time spend visibility, and scale their operations without adding headcount.

Challenge: Ramp spend management couldn't scale with hypergrowth

When Hudson Bova joined Numeral as Head of Finance, Numeral was using Ramp for cards and spend management while keeping their banking at a separate provider, creating a fragmented financial operation.

"Our Ramp setup was a bifurcated, complex web of policies that complicated how money moved," Hudson explains. Despite Ramp's positioning as an all-in-one platform, the team still found themselves logging into multiple systems to get a complete picture of finances.

As Numeral scaled, Ramp's limitations became impossible to ignore. "Ramp felt designed around card management but not really spend management," Hudson notes. The platform lacked sophisticated approval chains, department-level visibility, and the deep ERP integrations the growing finance team needed.

The pain showed up most acutely at month-end. "We were left spending hours and hours during the month-end close reconciling, categorizing spend data," Hudson says. Policy exceptions became the norm, requiring constant manual intervention.

Key challenges with Ramp included:

• Spend management and banking split across multiple platforms
• 10-12 hours spent on month-end close
• Limited approval chain customization
• Weak integrations with ERP and HRIS systems
• Policy exceptions requiring constant manual intervention

Solution: Brex unified banking, cards, and spend management for Numeral

Hudson saw the platform migration as an opportunity to build a foundation that could scale. "I wanted a clean platform that I knew we could grow into, not out of," he says.

After evaluating options, Brex stood out for its truly unified and intelligent approach: treasury management, travel, banking, credit cards, and AI-native spend management. "Brex is a truly all-in-one platform for us," Hudson explains. "It's a one-stop shop to manage our financial operations."

Beyond consolidation, the product depth made the difference. "I think the Brex spend management product is deeper than Ramp's," Hudson notes. The platform provided the sophisticated approval chains and policy enforcement that Numeral needed.

Results: Brex cuts Numeral's month-end close by 80%

The impact was immediate and dramatic. Month-end close dropped from 10-12 hours on Ramp to just 2-3 hours on Brex — an 80% reduction in reconciliation time.

"The UX and reporting functionality on Brex is so much easier to navigate than Ramp, and saves us at least 1 hour every week," Hudson notes.

Looking ahead, Brex's global capabilities position Numeral for continued expansion. "When we're thinking about a vendor as we expand globally, we want to be able to grow with them. And when I think about Brex's capabilities, I know they'll be able to keep up."

• 80% reduction in month-end close time (10-12 hours → 2-3 hours)
• 1+ hour saved weekly on reporting and navigation
• Unified platform for banking, cards, and spend management
• Global capabilities ready for international expansion

"We spent 10-12 hours on month-end close on Ramp. With Brex's categorization engine, we can get that down to 2-3 hours." — Hudson Bova, VP of Finance, Numeral

Challenge: Ramp's credit limits and weak rewards couldn't keep pace

Chargeback was running their finances on Mercury for banking and Ramp for corporate cards. While each tool worked okay on its own, using them together created unnecessary friction.

"The lack of a combined banking and credit card system was a killer for us," says Zach Shakked, co-founder and co-CEO. "It didn't make sense to have separate tools for banking and spending when the two are very interrelated."

The disconnect meant more time reconciling transactions and less time building the business. The team also struggled with Ramp's basic cash back rewards and rigid credit limits that didn't grow with them.

"We wanted a credit limit that reflected our cash balance, and we wanted card points we could actually use for travel and meaningful rewards. We couldn't get that with Ramp," Zach adds.

Key challenges included:

• Banking and cards on separate platforms
• Manual reconciliation between systems
• Credit limits that didn't scale with the business
• Basic cash back instead of flexible rewards
• Time wasted managing multiple tools

Solution: Brex unified banking, cards, and flexible rewards for Chargeback

When evaluating alternatives, Chargeback chose Brex for its unified banking and cards and rewards built for startups. With Brex, Chargeback was able to consolidate vendor spend, and move from Mercury and Ramp to Brex.

"Brex gave us everything in one place — cards, banking, bill pay, expense management, and a treasury account earning yield," Zach explains. "Setup was so easy, I barely remember doing it."

With Brex corporate cards, Chargeback can instantly issue physical and virtual cards, set custom limits, and manage vendor-specific spending in real time. And because Brex cards and banking are fully connected, they can pay off balances instantly to improve transparency and accelerate reconciliation.

Results: Brex gives Chargeback a 25x credit limit that scales with their growth

Brex has become a key partner in Chargeback's growth, simplifying operations, improving control, and unlocking meaningful financial benefits.

Bill payments that used to require manual processing now take minutes. With Brex bill pay, the team uploads invoices and lets Brex's AI extract payment details automatically.

The credit limit improvement was equally dramatic. Chargeback now has a limit 25x higher than typical limits, and it scales with their cash balance. When their marketing spend surged, Brex's account team quickly raised the limit to match.

And the rewards? The team has redeemed points for company travel around the world, realizing around $100,000 in total value.

• 20+ hours saved monthly on bill payments
• 25x higher credit limit that scales with cash balance
• 100% reconciliation accuracy with integrated platform
• ~$100,000 in realized rewards value from travel redemptions

"Brex gave us everything in one place. Setup was so easy, I barely remember doing it." — Zach Shakked, Co-founder and Co-CEO, Chargeback

Challenge: Four separate tools left Superhuman without real-time visibility

Superhuman was using multiple standalone financial tools: Ramp cards for stipends, Silicon Valley Bank corporate cards, Expensify software, and Bill.com. The finance team had to log into multiple dashboards to review spending, and each product had to be manually synced with their GL.

This approach was time-consuming and not scalable. The company needed a single, intelligent financial stack that would deliver real-time visibility, insights, and control — and drive high adoption with a user-friendly experience.

Key challenges included:

• Four separate tools for cards, stipends, expenses, and bill pay
• Manual syncing between each platform and the GL
• No real-time visibility into company spend
• Complex reconciliation process at month-end

Solution: Brex unified cards, expenses, and stipends for Superhuman

Choosing Brex was a "no-brainer" according to Andrew Maher, Head of Finance. "Brex is both a really flexible budgeting and card provisioning management tool and our expense report tool. It's a clean setup."

Superhuman issued a Brex card and food stipend budget to each employee. The stipend budget gives employees a preset spending limit that renews monthly with an auto-enforced policy restricting purchases to food at approved vendors.

Implementation was smooth thanks to the intuitive, AI-assisted experience. "There were very few questions, if any. Everyone was just humming along," Andrew remarked.

Results: Superhuman achieves 100% adoption and saves 500+ hours monthly with Brex

Now with one process for all types of spend, Superhuman easily keeps all teams on budget every month. The finance team achieved 100% employee adoption, proving that a great user experience drives compliance.

Employees save 4 hours a month on expense reporting, and managers save 10 hours a week with automated approvals. Reimbursements are now rare because employees are enabled with one card, the right rule set, and streamlined approvals.

"The ah-ha moment for me as a finance leader was: I can put everything in Brex. Everything can be controlled by a budget. If spending is approaching limits in one area, I know in real time and can talk to leaders about possible tradeoffs,” said Andrew.

• 500+ hours saved monthly by employees on expense reporting
• 40 hours saved monthly by managers via automated approvals
• 100% employee adoption rate
• 89% compliance rate on expense policies

"Brex is our critical finance tech stack and allows us to do more with the resources we have. We can make better decisions about where we should be spending and steer the company in the right direction." — Andrew Maher, Head of Finance, Superhuman

More and more companies are reevaluating their finance stack and switching to Brex to consolidate tools, reduce costs, eliminate manual work through AI, increase their rewards, and access world-service with a 95% customer satisfaction rating.

Unified platform for financial software and services

Brex combines cards, banking, bill pay, expense management, and travel in one place, eliminating the need to jump between systems and reducing friction. That said, Brex also offers 1,000s of integrations and an enterprise-friendly best-of-breed approach, with embedded solutions with Navan, Zip, and more.

Automated spend controls

Unlike Ramp, Brex's spend limits with built-in policies support every use case, with custom approval chains and automated policy enforcement that eliminate manual work, even as you grow in scale. Brex makes it easy to issue spend for stipends, travel, procurement, and more. The auto-enforced controls and Brex AI will keep every transaction in-policy, in real time.

Global coverage from day one

Ramp’s global coverage is fairly limited. Brex lets you issue cards in 60+ currencies, reimburse employees in local currency, and operate in 200+ countries without worrying about FX fees or card declines. It’s a truly global and multi-entity platform, making it easy to track VAT and close your books across global locations in one dashboard.

AI that’s about results

Auto-generated receipts, pre-populated memos and categories, intelligent categorization, and powerful agents mean less manual work for employees and finance teams alike. Brex delivers practical AI for today’s finance teams, not hype. “Brex's constant AI rollouts help Plaid move faster. The auto categorization, memos, and AI suggestions make us more productive.” shared Sophie Chiang, Head of GL Accounting at Plaid.

Integrated banking

With Brex, you get checking, treasury, and up to $6M in FDIC insurance in one account. Move money globally without switching between platforms. Brex makes banking easy, while Ramp’s “bank” account is confusing and limited.

Rewards that fuel growth

Brex’s unlimited, uncapped points that can be redeemed for rewards like travel, full-service billboards, offsites, cash back, and more. Don’t settle for Ramp’s basic cash back that doesn't offer valued-added options.

World-class support

Brex delivers 24/7 assistance from real people who really care, whether it's 2 am on a Sunday or during your quarter-end rush. While Ramp leaves you waiting, Brex has a response time of 11 seconds on average across phone, live chat, WhatsApp, and other channels.

With Capital One's $950 million investment, Brex is now the most well-funded player, but its mission hasn't changed. It’s still founder-led, still AI-native, and still shipping the platform today’s finance teams need to spend smarter, move faster, and win bigger.

See why thousands of companies have switched from Ramp to Brex →

These companies switched from Ramp to Brex because their ambitions outgrew their tools. Faster month-end close, real-time visibility, global scale, and rewards that actually move the needle aren't nice-to-haves. They're what separate finance teams that react from finance teams that lead.

Brex’s intelligent finance platform was built for the second kind. It’s an AI-native platform for corporate cards, expense management, reimbursements, bill pay, travel, and banking that puts finance teams on offense. Eliminate busywork, control spend before it happens, and track spend in real time. Get started at brex.com/signup.