Glep vs. Rippling

Rippling has no free tier. Its platform starts at $8 per user per month according to Rippling's own pricing posts, and Spend, corporate cards and bill pay are priced as separate per-employee modules on a quote, as of September 24, 2026. Glep is $0 with no monthly fee, no per-user fee, $0 ACH and domestic wires, and a 3% FX fee on international card transactions.

Rippling configures entities across its HR and finance products for companies that run their workforce on it. Glep includes multi-entity management free, with a separate account per LLC, a sub-account per property with its own account number and team access scoped per entity, and it issues cards to contractors who are not employees.

Yes, and the contractor does not have to exist in an HR system first. The card is capped at the project budget and declines past it. Rippling issues cards from the HR record and drives its policies from HR data, lists no project-capped contractor card, and has no free tier, with modules priced per employee by quote.

Every LLC lives under one login with its own account, cards and records, and each team member sees only the entities you give them. Rippling configures multi-entity support across its products with policies drawn from HR data, which works when your entities are employers; a holding LLC with no payroll is not something an HR record describes, and Rippling is not a bank.

Glep works upstream of your ledger and tags the property itself, so what the ledger receives is already sorted. Rippling auto-categorizes and matches receipts against GL fields, with policies drawn from HR data, so the structure is built around employees rather than properties, and Rippling is not a bank.

Yes, and it works for anyone you give a card to, whether or not they are on your payroll. Receipts at the point of spend, cards issued and killed from the phone, entity-scoped access. Rippling has iOS and Android apps, but its cards and policies come off the HR record, so a subcontractor outside that record is outside the app.

Open a Glep account online with your US business entity and EIN, add each LLC, open sub-accounts for your properties and issue cards. Rippling is not a bank, and its cards and policies come out of the HR record, so if you are moving because your spenders are subcontractors rather than employees, there is nothing to migrate: you are adding the account and the cards the HR record never covered. Rippling has no free tier and is quoted per employee.

If your business is a set of properties held in a set of entities, Glep is built around that structure: an account per LLC, a sub-account per property, Aida tagging every transaction to the property it belongs to, and contractor cards that stop at the budget. Contractors and developers get the same structure for projects, draws and crews, including people who are not employees. If your business is outside real estate but runs money across several entities, projects or vendors, Glep gives you the bank account, multi-entity management, entity-scoped team access, sub-accounts with unique account numbers, approval workflows and unlimited cards on a free plan, with no per-employee module to quote. Start with one property or one project and move the rest on your own schedule; there is no contract and no lock-in.