Ramp

Ramp is a finance automation platform combining corporate cards, expense management and AI agents that eliminate manual finance work.

Overview

Ramp started with corporate cards and grew into a complete finance operations platform. Its AI collects receipts, matches them to transactions, categorizes expenses by policy and flags out-of-spend before it happens. The platform automates bill pay, vendor management and accounting close, syncing clean entries into NetSuite, QuickBooks and other ledgers. AI agents take on repetitive workflows such as chasing missing receipts and reviewing invoices, while savings insights benchmark spending against similar companies. Finance teams typically close books faster and cut wasteful spend within months.

Key Features

• Corporate cards with granular spend controls and virtual cards
• AI receipt matching, categorization and policy enforcement
• Automated bill pay and accounts payable workflows
• Accounting integrations with automatic ledger sync
• Procurement and vendor management modules
• Savings intelligence benchmarking company spend

Pricing

Ramp’s core platform is free to use, with revenue coming from card interchange. Paid Plus and Enterprise plans add advanced controls, custom workflows and dedicated support.

Who Is It For

It serves startups and mid-market companies that want modern spend controls and automated bookkeeping without enterprise software costs.

How It Works

Companies issue physical and virtual cards with per-team limits, and employees spend within policy enforced at the point of purchase. Receipts are captured by photo or email and matched automatically to transactions, while AI categorizes spend and syncs entries into the accounting ledger. Bill pay and procurement workflows extend the same controls to invoices and vendors.

In Practice

Finance teams typically see the fastest payback by setting card policies before issuing cards broadly — prevention beats cleanup. Close the month using the automated reconciliation first and handle exceptions manually, which compresses the close cycle noticeably. Growing companies should revisit limits quarterly as headcount changes, and take the savings benchmark seriously; it routinely finds subscriptions nobody defends.

FAQ

Is Ramp free to use?

Yes, the core card and expense product is free. Advanced features and services sit in paid Plus and Enterprise plans.

Does Ramp offer an API?

Yes, Ramp exposes APIs and webhooks for cards, transactions and expenses so companies can build custom finance workflows.

How does Ramp compare to alternatives?

Ramp competes by bundling cards, expenses and AP automation with AI, replacing several disconnected finance tools at lower total cost.

Does Ramp support virtual cards?

Yes, virtual cards can be issued per vendor or subscription with spend limits and expiry rules enforced automatically. This is one of the fastest ways to control software spend and eliminate surprise renewals.