What is Ramp?
Ramp is a corporate card and finance-automation platform covering expenses, bill pay (AP), invoicing (AR), travel and banking. Ramp lists AI agents that review spend against policy, code invoices and expenses, and flag fraud, and it runs on the web with iOS and Android apps.
Who it's for
Ramp says it suits businesses from startups to large enterprises, with Free for smaller teams, Plus for teams that want more AI-driven automation, and Enterprise for teams needing full customization. Card issuing is described for the U.S., Canada, the UK and the EEA, and Ramp's own blog says its international features are still expanding.
Pros & cons
Strengths
- Ramp's pricing page lists the Free plan with unlimited corporate cards, issuing controls, expense capture by SMS or Slack, auto receipt matching, travel booking, and AP and AR with OCR invoice extraction.
- Ramp says Policy Agent applies your written expense policy to card transactions and reimbursements, cites the policy text it used, and gives one of three recommendations: approval, review or rejection. Reviewers keep final authority.
- Ramp lists QuickBooks Online and Xero integrations on Free, NetSuite, Sage Intacct and Workday HRIS on Plus, and Oracle Fusion Cloud on Enterprise.
- Ramp lists Plus features such as AI coding for every field, auto tax capture, approval routing by GL code or entity, custom user roles and an audit log.
- Ramp says its FAQ states that no money moves without a human confirmation, and lists real-time fraud detection among its AI features.
- Ramp offers a 30-day free trial of Plus and says the core platform earns revenue from card interchange fees.
Limitations
- Plus is $15 per user a month plus a platform fee based on team size; Ramp's pages do not state the fee amount.
- Policy Agent is available on Plus only, and Ramp's help page says it does not check whether accounting or GL codes are correct. Ambiguous policy wording tends to produce a 'requires review' result.
- The Ramp Visa Corporate Card is a charge card subject to credit approval, so access to the Free plan's card depends on approval. Ramp describes credit limits only as 'competitive' with no numbers.
- Procurement and the Accounts Receivable add-on (needed for revenue recognition and recurring billing) are separately priced, and no price is stated. 1099 filing is $0.65 per IRS filing, with state filing free.
- Ramp says its general AI models are trained on aggregated, masked customer data, and contract-data sharing for benchmarking is opt-in. Retention periods were not stated on the page read.
Plans and pricing
- Free: $0. $0 per user. Unlimited cards, expenses, travel booking, AP and AR basics, banking, QuickBooks Online and Xero. Card subject to credit approval.
- Plus: $15 per user a month billed monthly, or 20% off with annual billing (about $12), plus a platform fee. Adds Policy Agent and AI approval recommendations, AI coding for every field, auto-locking cards, NetSuite and Sage Intacct, multi-entity support, custom roles and audit log. 30-day free trial.
- Enterprise: Custom, billed annually. Adds Workday and Oracle Fusion Cloud integrations, local-currency cards in 30+ countries, a dedicated account manager, priority 24/7 global support and implementation services. Quoted by sales.
Prices were read from ramp.com/pricing and cross-checked against Ramp's blog and a Corpay (competitor) page. The pricing page says the Plus platform fee is based on team size but gives no amount, and its comparison tables do not clearly mark every feature by tier. All prices are in U.S. dollars; confirm on the live pricing page.
Details checked October 2026 against the vendor's own pages. Prices and limits change, so confirm before you buy. Official pricing page ↗
Sources
This profile was compiled from these public pages. We have not run hands-on tests.
Ramp — at a glance
Ramp is a corporate card and finance-automation platform covering expenses, bill pay (AP), invoicing (AR), travel and banking. Ramp lists AI agents that review spend against policy, code invoices and expenses, and flag fraud, and it runs on the web with iOS and Android apps.
Try Ramp →