Corporate cards with spend controls
Issue unlimited physical and virtual Visa cards with preset controls by vendor, category, and amount. The source also states no personal credit checks or personal guarantees are required for card issuance.
Ramp
Ramp is a spend management platform that brings together corporate cards, expenses, accounts payable, travel, procurement, accounting automation, and banking. It offers free and paid plans for teams that want to centralize finance workflows and automate routine approvals and coding.
Spend management and finance automation in one platform
Ramp is an all-in-one spend management platform that combines corporate cards, expense management, accounts payable, travel, procurement, accounting automation, and banking in a single system. It is positioned for teams that want to manage spend from card issuance through bill payment and accounting sync in one product.
The product page and pricing page show a free entry plan, a Plus plan with AI-driven automation, and an Enterprise plan with custom annual billing. Ramp also highlights workflow automation such as receipt capture, invoice OCR, approval routing, and accounting integrations that help finance teams reduce manual review and close the books faster.
Core capabilities
Expense management and reimbursements
Capture receipts automatically at the time of purchase, submit expenses through SMS, Slack, Microsoft Teams, or the mobile app, and review exceptions with policy automation.
Accounts payable automation
Extract invoice data with OCR, route approvals, run fraud checks, and pay bills by ACH, Same-Day ACH, card, check, or wire.
Travel management
Book flights, hotels, and car rentals with policy checks at booking time, plus hotel rate monitoring and automatic rebooking when prices drop.
Procurement workflows
Create intake and approval workflows for purchases, generate purchase orders, and use three-way matching for PO, invoice, and receipt verification.
Accounting automation and ERP sync
Sync spend and accounting data to systems such as QuickBooks Online, Xero, NetSuite, Sage Intacct, Workday, and Oracle Fusion Cloud, with line-item coding and multi-entity support.
Common ways teams use Ramp
Control subscription and departmental card spend
A finance team issues unlimited virtual cards for software subscriptions, sets vendor or amount limits, and gets real-time visibility into spend without sharing card numbers.
Streamline everyday employee expenses
An employee pays for a meal, the receipt is captured automatically, and the expense can be approved or flagged using policy automation without a traditional expense report.
Process vendor bills with fewer manual steps
An accounts payable team uploads an invoice, matches it to a PO or receipt, routes it for approval, and pays it by ACH, card, check, or wire.
Manage business travel before and after booking
A travel arranger books flights or hotels within policy, then relies on booking-time controls and hotel rate monitoring to keep travel spend aligned with policy.
Run purchase requests through structured approval workflows
A procurement or finance team collects intake, routes approvals across stakeholders, and generates a PO or one-time virtual card after approval.
Pros and Cons
Pros
- Combines cards, expenses, AP, travel, procurement, accounting automation, and banking in one platform.
- Offers unlimited physical and virtual cards with configurable spend controls.
- Supports multiple submission and approval workflows, including SMS, Slack, Microsoft Teams, and role- or field-based routing.
- Provides accounting sync options across several common ERP and accounting systems.
- Shows a free plan alongside paid tiers, which lowers the barrier to evaluation.
Cons
- Some capabilities are plan-gated, so teams may need Plus or Enterprise for features such as procurement add-ons and advanced accounting integrations.
- The source does not publish a full integration list beyond the accounting systems named on the pricing page.
FAQ
Does Ramp have a free plan and paid tiers?
Ramp offers a free plan and paid plans for teams that want more AI-driven automation and support. The pricing page also shows an Enterprise plan with custom annual billing and sales contact.
What does Ramp do?
Ramp combines corporate cards, expense management, accounts payable, travel, procurement, accounting automation, and banking in one platform, with plan-specific access to some capabilities such as procurement and advanced accounting integrations.
How do employees and finance teams use Ramp day to day?
Ramp supports expense submission through SMS, Slack, Microsoft Teams, and a mobile app, and it can route approvals based on accounting fields and other conditions.
Which accounting systems does Ramp integrate with?
Ramp’s pricing page lists integrations with QuickBooks Online and Xero on Free, more accounting integrations such as NetSuite and Sage Intacct on Plus, and Workday and Oracle Fusion Cloud on Enterprise.
Is there a trial or contact-sales option?
The source does not specify a public trial period. It does show a free start option, plus a contact-sales flow for Enterprise.
Quick Facts
- Category
- Spend management platform
- Primary users
- Finance teams and businesses
- Plans
- Free, Plus, and Enterprise
- Pricing model
- Free entry plan; paid plans with per-user pricing and custom annual billing for Enterprise
- Source domain
- ramp.com
- Platform scope
- Cards, expenses, AP, travel, procurement, accounting automation, and banking
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