Bill.com

Ramp

Accounting Software

4.7

Ramp is a corporate card and finance automation platform that has become one of the fastest-growing fintech companies by focusing on a simple value proposition: helping businesses spend less money. Its AI-powered spend management automatically identifies duplicate subscriptions, negotiates better rates with vendors, and surfaces cost-saving opportunities — saving the average customer 5% on total spend. Ramp provides unlimited free corporate cards with 1.5% cashback, automatic receipt matching, and real-time expense categorization that syncs directly to your accounting software. With built-in procurement workflows, vendor management, and price intelligence from its network of 25,000+ businesses, Ramp goes beyond expense tracking to actively help companies optimize their spending.

Stripe

Accounting Software

4.7

Stripe is the leading online payment processing platform for internet businesses, powering millions of companies from startups to Fortune 500s including Amazon, Google, and Shopify. Its developer-friendly APIs and comprehensive documentation have made it the default payment infrastructure for the tech industry, supporting credit cards, bank transfers, digital wallets, and 135+ currencies. Beyond payments, Stripe has expanded into a complete financial infrastructure platform with Stripe Atlas (business incorporation), Stripe Capital (business loans), Stripe Tax (automatic tax calculation), and Stripe Billing (subscription management). Stripe processes hundreds of billions of dollars annually and continues to innovate with products like Revenue Recognition, Financial Connections for bank account verification, and Stripe Climate for carbon removal.

FreshBooks

Accounting Software

4.5

FreshBooks is a cloud accounting software designed specifically for self-employed professionals and small service-based businesses that need professional invoicing, time tracking, and expense management without accounting complexity. Its invoicing engine is considered the best in the industry, with customizable templates, automatic payment reminders, late fees, deposit requests, and the ability to accept credit cards and ACH payments directly on invoices. FreshBooks tracks time against projects and automatically converts billable hours into invoices, making it particularly popular with freelancers, consultants, lawyers, and agencies. With automatic expense categorization, mileage tracking, and double-entry accounting reports that satisfy accountants, FreshBooks bridges the gap between simple bookkeeping apps and full accounting software.

Brex

Accounting Software

4.5

Brex is a corporate card and spend management platform designed for startups and growing companies, offering credit cards with no personal guarantee required and up to 20x higher limits than traditional business cards. Its software platform combines corporate cards, expense management, bill pay, travel booking, and business banking into a unified financial stack that eliminates the need for multiple separate tools. Brex's real-time expense tracking and automatic receipt matching means employees never have to file expense reports, while admins get instant visibility into company spending with custom budgets and approval policies. Backed by $1.2 billion in funding and trusted by over 20,000 companies including DoorDash, Airbnb, and Scale AI, Brex has redefined corporate finance for the startup era.

Xero

Accounting Software

4.4

Xero is a cloud-based accounting platform that has become the leading small business accounting solution in the UK, Australia, and New Zealand, and continues to grow rapidly in the US market. Its beautiful, intuitive interface makes accounting less intimidating for non-accountants, while still providing the depth that professional bookkeepers need. Xero's bank reconciliation uses machine learning to suggest matches and learn from your categorization patterns over time, getting smarter and faster the more you use it. With over 1,000 third-party integrations and an open API, Xero serves as a financial hub that connects with POS systems, inventory management, project tracking, and payroll services to create a comprehensive business management ecosystem.

Zoho Books

Accounting Software

4.4

Zoho Books is a comprehensive online accounting platform that's part of the Zoho ecosystem of 45+ business applications, offering seamless integration with Zoho CRM, Inventory, Payroll, and other tools. It provides end-to-end accounting automation including invoicing, expense tracking, bank reconciliation, project accounting, and inventory management at prices significantly lower than QuickBooks and Xero. Zoho Books' workflow automation engine lets you set up rules for recurring invoices, payment reminders, approval workflows, and more, reducing manual accounting tasks dramatically. With support for multiple currencies, tax systems in 180+ countries, and compliance with VAT, GST, and sales tax regulations worldwide, Zoho Books is an excellent choice for businesses operating internationally or those already invested in the Zoho ecosystem.