Ramp set the US standard for integrated spend management. Masraff applies the same automation to Turkey-based operations and adds native Logo / Mikro / Netsis / Luca integration, e-Invoice (e-Fatura) QR capture, non-deductible expense (KKEG) handling, and VAT withholding. Pricing is in TRY with no card issuer lock-in.
| Критерий | Ramp | Masraff |
|---|---|---|
| Pricing model | Free / Plus at $15 per user per month plus platform fee / Enterprise. Card fees and interest income fund the software. | Module-based pricing in TRY. Pure-software model with no card-revenue dependency. |
| Product scope | Cards, Expense, AP, Travel, Banking, and Procurement (6 products). | Expense, Corporate Card, Approval, Invoice, Travel, and Platform (6 solution categories). |
| ERP and accounting | Approximately 10 ERPs (QuickBooks, NetSuite, Sage Intacct, Xero, Workday, Oracle Fusion). US and UK anchored. | 20+ ERP integrations: 4 SAP variants, 4 Logo variants, 3 Mikro variants, Oracle (EBS, Fusion, NetSuite), MS Dynamics AX, Luca, Orka, EBA, Nebim, Xero, QuickBooks, and a generic webhook. Five local e-Invoice (e-Fatura) providers (Doğan, eLogo, Mikro, QnB eFinans, Sovos). |
| Local compliance | US Treasury and FDIC oriented, GAAP-leaning. No Turkish entity, no TRY billing, no e-Invoice support. | GİB e-Invoice (e-Fatura) QR capture, 6 non-deductible expense (KKEG) types, VAT with withholding tax (Stopaj) and reverse-charge VAT (SSKDV), KVKK compliance, 33 Turkish document types, and an 81-province tax-office dictionary. |
| Geographic anchor | 200+ countries of coverage, 33 with local card issuance, headquartered in the US. | 19 locales. Turkey-anchored — built for Turkish holdings and their MENA and EU subsidiaries, with logical multi-company grouping. |
Ramp's 6 products mapped to Masraff's 6 solution categories. Badge legend: ✅ parity · ⚠️ partial · ❌ gap · ⭐ advantage.
| Ramp feature | Masraff баламасы | Мәртебе | Ескертпе |
|---|---|---|---|
| Corporate Cards (Virtual Cards, Card Integrations) | Corporate Card category, Statement Module, and Mastercard partnership roadmap | Ішінара | Masraff supports Bring Your Own Card (BYOC) with statement reconciliation today. Card issuance is under development. |
| Expense Management (Cards, Reimbursements, Receipt Automation, Mileage) | Expense Module with Turkish-trained AI and rule-based allocations | Артықшылық | Turkish-trained AI, multi-level coding, and rule-based allocations. Mileage parity plus UTTS fuel integration. |
| Accounts Payable (Invoice Mgmt, ACH Bill Pay, Payment Approvals) | e-Invoice (e-Fatura) QR capture and ERP exporter | Артықшылық | Reverse direction: Ramp pays bills; Masraff receives Turkish e-Invoices via QR. AP payment trigger is under development. |
| Travel (Trip Mgmt, Pre-Spend Policy, Expense Automation) | Travel Module | Ішінара | Form, approval, and travel-agency email delivery are available today. Booking integration is under development. The Travel Module also covers passport, visa, and driving licence tracking, plus four cabin classes — features Ramp does not provide. |
| Business Banking (Checking, Investment) | — | Кемшілік | Not a Masraff product. The banking-licence model does not transfer to Turkey. |
| Procurement (Vendor Mgmt, Spend Analytics, POs) | Request Management (Form Builder), Budget Module, and grade-based Approval Module | Ішінара | Composable request workflows and purchase order (PO) discipline are available today. A dedicated procurement product is under evaluation. |
Ramp issues cards through its own program (Visa / Mastercard) in 33 countries. Masraff applies no card issuer lock-in. Finance teams keep their Garanti BBVA, İş Bankası, Akbank, or Yapı Kredi corporate card, and statements reconcile automatically.
Ramp's expense AI flags 95% of receipt-policy violations on English receipts. Masraff's AI is trained on millions of Turkish receipts. It parses the VAT rate, document type, and non-deductible expense (KKEG) status according to Turkish tax regulation, with the same automation depth.
Ramp's AP automation pays US-style vendor invoices via ACH. Masraff's e-Invoice Module receives Turkish e-Invoices via QR scan — VAT, supplier, KKEG status, and ERP entry complete in a single step. Five providers are connected (Doğan, eLogo, Mikro, QnB eFinans, Sovos). AP payment trigger is under development.
Ramp Travel books flights, hotels, and cars and enforces pre-spend policy. The Masraff Travel Module manages the workflow — approval, travel-agency email delivery, advance and offset, daily allowance, and KKEG vehicle-expense routing. Booking integration is under development.
Ramp built native procurement with PO automation and vendor management. Masraff's Request Management (Form Builder) and Budget Module deliver a composable equivalent for finance teams — define the PO form, route it through grade-based approval, and bind it to a budget. A dedicated procurement product is under evaluation.
These are not parity claims. They are capabilities Ramp does not provide because they are specific to operating in Turkey, or modules Ramp's integrated suite has not built.
GİB e-Invoice and e-archive QR scanning are built in. Scheduled sync runs with five providers (Doğan, eLogo, Mikro, QnB eFinans, Sovos). The module supports 13 invoice statuses, manual UBL XML import, and encrypted credentials.
Vehicle expense at 30% non-deductible, lease cap above 26,000 TRY per month, alcohol and tobacco, meal cards, credit-card slips, taxi POS receipts, and documents with no fiscal value — each is routed to the correct ERP account. Four control modes apply: none, warn, block, or warn-and-override-account-code.
Three Turkish tax behaviours Ramp's spend management surface does not model: withholding tax (Stopaj), reverse-charge VAT (SSKDV), and per-expense VAT deduction.
Domestic, international, and business advance subtypes. Automatic balance offset, balance carryover between advances, blocked balance for pending approvals, and multi-currency display. Ramp does not provide a native cash-advance lifecycle.
4 SAP, 4 Logo, and 3 Mikro variants, plus Oracle (EBS, Fusion, NetSuite), MS Dynamics AX, Luca, Orka, EBA, Nebim, Xero, QuickBooks, and a generic webhook. Cascading account-code mapping operates across sub-company, tag, cost-centre, VAT-rate, document-type, and category dimensions.
Standalone Shipping Module integrated with the UPS API. Address hierarchy covers country, city, district, and neighbourhood, with barcode and tracking. Five authentication types are supported. Each shipment binds up to 10 reports. Outside Ramp's product scope.
Time-bounded or open-ended delegation, a Switch Account UX, multiple delegates, and a complete activity log. The feature operates on a per-tenant on/off toggle.
Native FTP integration for İş Bankası and Akbank statement pulls. 22 Excel date formats are supported, six statement statuses are tracked, and period-out-of-range detection runs automatically.
Turkish-trained AI for receipt scanning, the AI receipt pipeline, and the Masraff Assistant. New AI models run on live traffic in A/B tests before rollout. The Masraff Assistant suggests how to group expenses into reports. One to three predicted categories appear on entry.
Full travel-form depth. Travel-agency email integration runs through airline, hotel agency, flight agency, room type, and transportation type dictionaries. Conflicting-trip prevention is built in. Ramp Travel focuses on booking; Masraff covers workflow and audit.
An IT team's expenses auto-split across four cost centres — the rule is defined once. Brick splits (FMCG retail style), product splits, and custom-product-field splits are also supported. Ramp's flat expense model does not represent these structures.
User, Accounting, Admin, SuperAdmin, AdminControl, TripAdmin, WorkflowAdmin, Developer, and AwsClient — multi-role assignment runs per user. The grade hierarchy applies per-grade limits separately for expense, advance, and trip reports.
Direct gaps — Ramp strengths Masraff does not replicate.
A Mastercard partnership is under development. Today, Masraff supports Bring Your Own Card (BYOC) with Turkish banks and automatic statement reconciliation. If instant card issuance is mission-critical now, Ramp is the better fit.
Not a Masraff product. Masraff is a software platform, not a bank. Turkish banking licences operate on a separate regulatory track. Pair Masraff with an existing Turkish bank.
Masraff bills in TRY and operates across 19 locales but does not issue cards abroad. Turkish holdings with international subsidiaries pair Masraff (TR HQ) with a local issuer in the subsidiary country.
The Travel Module manages the workflow, not the booking marketplace. Travel-agency integration runs via email and form today. Native booking is under development.
Typical duration is 3 to 5 weeks. Ramp users generally carry richer historical data — multi-entity structures, procurement, and additional workflow nuance. A dedicated implementation manager and a support team experienced in Turkish accounting are assigned.
Export CSV through reports in the standard ERP-export shape.
The Masraff implementation team maps category, cost-centre, project, and spend-code dictionaries.
Switch from QuickBooks, NetSuite, or Sage Intacct to Logo, Mikro, Netsis, or Luca with pre-mapped templates.
| Ramp | Masraff | |
|---|---|---|
| Entry price | $0 per user (Free) | Module-based, custom quote |
| Mid-tier | $15 per user per month plus platform fee (Plus) | Module-based |
| Enterprise | Custom | Custom (annual commitment) |
| Billing currency | USD | TRY (VAT inclusive) |
| Revenue model | Card fees and interest income fund the software | Pure software, with no card or float revenue |
| Annual discount | 20% on Plus | ERP bundle discount with Logo, Mikro, or Netsis pairing |
| Free trial | 30-day Plus trial | Available — see /en/pricing/ |
Ramp pricing as of 2026-05-14. Verify at ramp.com/pricing before each publish.
Жиі қойылатын сұрақтар
Ramp does not issue cards in Turkey and has no Turkish entity. US-headquartered companies with Turkish subsidiaries use Ramp on the US side; the Turkey side typically runs separately. Masraff is Turkey-native end to end.
Not today. Masraff supports Bring Your Own Card (BYOC) with Turkish banks and statement reconciliation. A Mastercard partnership for card issuance is under development.
Both platforms apply AI to receipt capture, automatic coding, and anomaly detection. Ramp's model is trained on English receipts. Masraff's model is trained on Turkish receipts (Migros, BIM, Şok, Yemeksepeti, toll passes, and others) and understands Turkish VAT structure, document types, and non-deductible expense (KKEG) handling. New AI models run on live traffic in A/B tests before release.
Yes. Native templates cover all four, alongside Link, Nebim, Orka, SAP, and Oracle. Ramp integrates with US and UK ERPs (QuickBooks, NetSuite, Sage, Xero, Workday, Oracle Fusion).
Ramp's freemium model is funded by US card fees and FDIC interest income — revenue streams unavailable to a software-only vendor in Turkey. Masraff's module-based pricing is transparent: the platform charges only for the modules activated.
Түрік бухгалтерлік заңнамасын және сіздің ERP жүйеңізді білетін адаммен 30 минуттық таныстыру кездесуін алыңыз.
