Ramp
by Ramp · Expense Management
Corporate cards with expense management, bill pay and accounting automation.
- Works with
- NetSuite, Sage Intacct, QuickBooks, Microsoft Dynamics 365, Xero
- Deployment
- Cloud
- Company size
- SMB, Mid-market, Enterprise
- Pricing
- Free tier available
- Founded
- 2019
- Headquarters
- New York, New York, USA
Overview
Ramp is a financial operations platform that combines corporate charge cards, expense management, bill payment and accounting automation. Founded in 2019 and headquartered in New York City, Ramp markets itself on helping companies save money by automating expense capture, enforcing policy automatically and surfacing savings opportunities.
The expense experience is card-led: Ramp issues physical and virtual cards, prompts employees by text or app to submit a receipt photo when a charge is detected, and then categorizes and codes the transaction automatically. Finance teams set spend rules by card, vendor, category or department that Ramp enforces at the card level, and approvals can be automated. Ramp has added AI capabilities, including an AI agent that applies expense policy to transactions to automate review and approvals.
Ramp targets startups through enterprises and is offered with a free core tier, monetizing through interchange on card spend and paid higher tiers. It syncs coded transactions into general ledgers such as NetSuite, Sage Intacct, QuickBooks, Xero and Microsoft Dynamics 365.
Screenshots & demo
Demo video from the vendor's YouTube channel. Screenshots sourced from Ramp.
Features & capabilities
Corporate Cards
Issuing and controlling physical and virtual cards.
- Unlimited physical and virtual card issuance
- Per-card spend limits and merchant/category restrictions
- Real-time spend controls enforced at the card level
- Vendor- and department-scoped cards
- Cashback / rewards on card spend
Expense Capture & Coding
Collecting receipts and coding transactions automatically.
- Text/app prompts to submit receipts when a charge is detected
- Receipt OCR and matching
- Automatic categorization and GL coding
- Memo and project tagging
- Email-forwarded receipt capture
Policy & Approvals (AI)
Automating expense review and policy enforcement.
- Configurable spend policies by card, vendor, category, department
- Automatic policy enforcement at point of spend
- AI Policy Agent that reviews and approves transactions against policy
- Out-of-policy flagging and exceptions
Bill Pay / AP
Paying vendor invoices alongside card spend.
- Invoice capture and approval workflows
- ACH, check and card vendor payments
- Bill approval routing
- Vendor management
Reimbursements
Paying employees for out-of-pocket spend.
- Out-of-pocket expense submission
- Mileage and per diem reimbursement
- Multi-currency reimbursement support
Accounting Automation & Reporting
Syncing to the ledger and reporting on spend.
- Real-time sync to ERP/GL systems
- Automated reconciliation of card spend
- Spend dashboards and savings insights
- Budgets and real-time spend visibility
Common use cases
- Startups and growth companies replacing manual expense reports with card-led automation
- Finance teams enforcing spend policy automatically at the card level
- Automating receipt collection and GL coding for high card-transaction volume
- Consolidating corporate cards, bill pay and reimbursements in one platform
- Syncing coded transactions into NetSuite or Sage Intacct in real time
- Using AI to auto-review and approve routine expenses
- Surfacing cost-savings and duplicate-subscription opportunities
Strengths & considerations
Strengths
- Card-led model with automatic policy enforcement at the point of spend
- Free core tier monetized via interchange rather than per-seat fees
- AI Policy Agent that automates expense review and approval
- Strong focus on identifying savings and reducing wasteful spend
Considerations
- Card issuance and banking features are primarily US-centric
- Deepest value depends on adopting Ramp cards rather than being fully card-agnostic
ERP integrations
Pricing
Core platform is free; revenue comes primarily from card interchange. Paid plans (e.g., Plus/Enterprise) add advanced controls, integrations and support. Get an independent shortlist with pricing guidance below.
Technical & security
- Hosting
- SaaS (multi-tenant)
- Compliance
- SOC 2, PCI DSS
- Mobile app
- Yes
- Languages
- English
About the vendor
- Founded
- 2019
- Headquarters
- New York, New York, USA
- Employees
- ~3,700
- Ownership
- Private
Alternatives to Ramp in Expense Management
Ramp — frequently asked questions
Does Ramp charge a per-user fee?
The core platform is free; Ramp earns revenue mainly through interchange on card spend, with optional paid tiers adding advanced features.
Can Ramp manage out-of-pocket reimbursements, not just card spend?
Yes. Ramp supports out-of-pocket expense submission, mileage and reimbursements in addition to its corporate cards.
Which accounting systems does Ramp sync with?
Ramp integrates with NetSuite, Sage Intacct, QuickBooks, Xero and Microsoft Dynamics 365 Business Central, among others.
What is the AI Policy Agent?
It is an AI feature that applies a company's expense policy to transactions to automate expense review and approvals.
Evaluating Expense Management?
Tell us your ERP and requirements and we'll send an independent shortlist — including Ramp and the best-fit alternatives — with honest pros and cons.