Ramp

What is Ramp?

Ramp is a finance operations platform that brings corporate cards, expense management, travel booking, bill payment, procurement and accounting automation into a single system. Much of the routine work is handed to AI agents: receipts are collected and matched to transactions, invoice details are extracted by OCR, line items are coded, and approvals come with a recommendation attached. Employees can submit expenses by SMS or Slack, and cards can be issued in unlimited numbers with spending controls. The product connects to accounting systems including QuickBooks Online, Xero, NetSuite and Sage Intacct, and the company lists more than 200 integrations. Plans are named Free, Plus and Enterprise. Ramp Business Corporation, based in New York, describes itself as a financial technology company and not a bank; its cards are issued by partner banks.

Key Features

Screenshots

Platform overview

Use Cases

Closing the Books

Have transactions coded and reconciled during the month so less remains at month end.

Reimbursing Travel

Book flights and hotels under a travel policy and settle the related expenses in one system.

Paying Vendor Invoices

Capture an invoice, send it through approval and release payment without re-keying data.

Enforcing Spend Policy

Flag out-of-policy purchases and require itemised receipts before a card can be used again.

Managing Several Entities

Run cards, bills and reporting for multiple legal entities and currencies from one account.

Things to know

Not a bank

Ramp says it is a financial technology company; cards are issued by partner banks and are subject to credit approval.

Plus carries a platform fee

The Plus plan is priced per user and adds a platform fee based on team size.

Procurement is an add-on

Procurement features are sold as an add-on to Plus or Enterprise and are not part of the Free plan.

Investment disclosures

The site notes that its investment account is not FDIC insured, may lose value and that investing involves risk.

FAQs

Who it's for

• Finance teams
• Controllers
• CFOs
• Startups
• Mid-market companies
• Enterprises

Tagscorporate cardsexpense managementaccounts payableprocurementaccounting automationAI agents

Used in these workflows

• Small business bookkeeping: where AI saves the typing and where you still need an accountantStage 2: Receipts and expense capture
• Small business bookkeeping: where AI saves the typing and where you still need an accountantStage 3: Categorizing and reconciling
• Starting a small business: which AI tools help at each step, and where they stopStage 5: Bookkeeping, invoicing and tax

Each guide lists the stages of one job and the tools that help at each stage. All guides

Alternatives to Ramp

Tool	Free plan	Starting price	API
AAlaanExpense management platform for Middle East businesses with corporate cards, supplier payments and AI-driven accounting automation.	Yes	—	—
BrexSpend platform combining corporate cards, expense management, bill pay, travel and business accounts with AI automation.	Yes	—	Yes
AspireBusiness finance platform with multi-currency accounts, corporate cards, expense management, API and MCP access.	Yes	—	Yes
NanonetsPlatform that turns documented business processes into AI agents for invoices, claims, orders and other back-office work.	Yes	—	Yes
AAiPriseCompliance platform for verifying businesses and individuals worldwide, with AI agents for review work.	—	—	—

Listed in the same category as Ramp. A starting price appears only where we checked it on the maker’s pricing page; a dash means not checked or not published. All Finance & Accounting tools