Overview
Ramp is a New York-based finance automation company whose platform bundles corporate charge cards, expense management, accounts payable, accounts receivable, travel booking, procurement and business banking in a single product[1]. The company states on its pricing page that more than 85,000 finance teams and businesses use it[1]. The core platform is offered on a free plan that includes unlimited physical and virtual cards[1].
The free tier already includes invoice OCR for bills, payment by ACH, card, cheque or wire, receipt matching by SMS or Slack, budgets and QuickBooks Online and Xero integrations[1]. The Plus tier adds AI-driven expense review, automatic locking of non-compliant cards, multi-entity support, NetSuite and Sage Intacct connectors, auto-coded AP line items and batch payments, and makes procurement available as an add-on[1]. Enterprise customers get Workday and Oracle Fusion Cloud integrations and local-currency card issuing in more than 30 countries[1].
Ramp’s main limitation is geographic: the product is designed around US-incorporated businesses, and local-currency issuing outside the US is reserved for the Enterprise tier. Plus also carries a platform fee that scales with team size, which the pricing page does not quantify[1].
Ramp features
- Unlimited physical and virtual cards
- Card controls by merchant, category and amount
- Receipts by SMS or Slack
- Built-in travel booking
- Invoice OCR and approval workflows
- QuickBooks Online and Xero sync on free tier
- NetSuite and Sage Intacct on Plus
- Unlimited physical and virtual corporate cards
Ramp pricing
Free: US$0 per user per month, including unlimited cards, travel booking, bill pay and basic accounting sync. Plus: US$15 per user per month plus a platform fee that depends on team size; annual billing is discounted by 20%. Enterprise: custom pricing on annual terms, adding Workday and Oracle Fusion integrations and local-currency cards in 30+ countries. Ramp states the card carries no annual fee.
Ramp strengths and limitations
Strengths
- Software tier with cards, travel, AP and AR costs nothing
- No personal guarantee or personal credit check
- Published per-user pricing for paid tier
- Issuer disclosed for each card type and region
- Large free tier including cards, AP and travel
- Broad module coverage in one product
Limitations
- Local-currency cards only on Enterprise
- Charge card: balances are due each cycle
- Plus tier adds a platform fee not shown as a fixed number
- Primarily built for US-incorporated companies
- Built for US entities; global issuing is Enterprise-only
- Plus platform fee is not published
Appears in
- Best Corporate Cards in 2026 #1
- Best Expense Management Software in 2026 #6
- Best Accounts Payable Software in 2026 #3
- Unicorn Companies (2026) #11
- Best Spend Management Software in 2026 #1
- Best Procurement Software in 2026 #7
Ramp alternatives and competitors
Alternatives to Ramp: companies ranked in the same lists.
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