Pigment

AI-native business planning platform for finance, sales, and HR teams

Ramp

US AI-powered corporate card, expense management, and finance automation platform

Pigment

Excellent

23/25

Ramp

Caution

10/25

Score Breakdown

DimensionPigmentRamp

Data Residency

Where is your data stored and processed?

Pigment: EU data centres; French company with EU-only processing

Ramp: US-only product and infrastructure; no EU data residency; EU businesses not currently supported

5/5

EU data centres; French company with EU-only processing

1/5

US-only product and infrastructure; no EU data residency; EU businesses not currently supported

Legal Jurisdiction

Which laws govern the company and your data?

Pigment: French SAS under EU jurisdiction; not subject to US CLOUD Act

Ramp: US Delaware corporation; CLOUD Act applies; no EU legal entity or DPA framework for EU customers

5/5

French SAS under EU jurisdiction; not subject to US CLOUD Act

1/5

US Delaware corporation; CLOUD Act applies; no EU legal entity or DPA framework for EU customers

Data Retention & Training

Is your data used for model training?

Pigment: No training on customer data; enterprise retention controls

Ramp: No training on customer financial data; strong contractual commitments; SOC 2 verified controls

4/5

No training on customer data; enterprise retention controls

4/5

No training on customer financial data; strong contractual commitments; SOC 2 verified controls

Certifications

ISO 27001, SOC 2, Cyber Essentials, etc.

Pigment: SOC 2 Type II and ISO 27001 certified

Ramp: SOC 2 Type II and PCI DSS — appropriate for a card-issuing fintech; ISO 27001 not confirmed

4/5

SOC 2 Type II and ISO 27001 certified

3/5

SOC 2 Type II and PCI DSS — appropriate for a card-issuing fintech; ISO 27001 not confirmed

Regulatory Fit

Suitability for regulated industries and professional services

Pigment: Excellent fit for EU financial services and regulated enterprise planning

Ramp: US-only product; not available or suitable for EU business entities; EU companies should consider Pleo or Payhawk

5/5

Excellent fit for EU financial services and regulated enterprise planning

1/5

US-only product; not available or suitable for EU business entities; EU companies should consider Pleo or Payhawk

Total Score

23/25

10/25

Best For

Pigment

Best for EU-headquartered organisations needing maximum data sovereignty; regulated industries (BaFin, AMF); privacy-conscious teams who need strong data retention controls.

Ramp

Best for privacy-conscious teams who need strong data retention controls; teams on a tight budget.

Detailed Comparison

Pigment vs Ramp: Trust & Compliance Comparison

Pigment (Pigment, FR) scores 23/25 overall with a Gold (Excellent) trust badge. AI-native business planning platform for finance, sales, and HR teams. Ramp (Ramp, US) scores 10/25 with a Review Required (Caution) trust badge. US AI-powered corporate card, expense management, and finance automation platform.

Dimension-by-Dimension Breakdown

#### Data Residency

Pigment leads with 5/5 vs 1/5.

●Pigment (5/5): EU data centres; French company with EU-only processing

●Ramp (1/5): US-only product and infrastructure; no EU data residency; EU businesses not currently supported

#### Legal Jurisdiction

Pigment leads with 5/5 vs 1/5.

●Pigment (5/5): French SAS under EU jurisdiction; not subject to US CLOUD Act

●Ramp (1/5): US Delaware corporation; CLOUD Act applies; no EU legal entity or DPA framework for EU customers

#### Data Retention & Training

Both score equally at 4/5.

●Pigment (4/5): No training on customer data; enterprise retention controls

●Ramp (4/5): No training on customer financial data; strong contractual commitments; SOC 2 verified controls

#### Certifications

Pigment leads with 4/5 vs 3/5.

●Pigment (4/5): SOC 2 Type II and ISO 27001 certified

●Ramp (3/5): SOC 2 Type II and PCI DSS — appropriate for a card-issuing fintech; ISO 27001 not confirmed

#### Regulatory Fit

Pigment leads with 5/5 vs 1/5.

●Pigment (5/5): Excellent fit for EU financial services and regulated enterprise planning

●Ramp (1/5): US-only product; not available or suitable for EU business entities; EU companies should consider Pleo or Payhawk

Certifications at a Glance

Certification	Pigment	Ramp
ISO 27001	Yes	No
PCI DSS	No	Yes
SOC 2 Type II	Yes	Yes

Overall Verdict

Pigment has a clear trust advantage, scoring 23/25 compared to Ramp's 10/25. Pigment particularly excels in data residency, legal jurisdiction, certifications, regulatory fit.

Frequently Asked Questions

Which is better for EU compliance, Pigment or Ramp?

Pigment has a TrustKit score of 23/25 while Ramp scores 10/25. Pigment currently rates higher across data residency, legal jurisdiction, data retention, certifications, and regulatory fit.

How do Pigment and Ramp compare on data residency?

Pigment scores 5/5 for data residency (EU data centres; French company with EU-only processing), while Ramp scores 1/5 (US-only product and infrastructure; no EU data residency; EU businesses not currently supported).

Are Pigment and Ramp GDPR compliant?

Both tools are assessed across five compliance dimensions. Pigment has a regulatory fit score of 5/5 and Ramp scores 1/5. Check the full comparison above for a detailed breakdown.

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