What is Ramp?
Ramp is a spend management platform that brings corporate cards, expense reporting, travel booking, accounts payable, accounts receivable, treasury and accounting automation into one system. Companies issue unlimited physical and virtual cards with category and vendor controls, and employees submit receipts by text message or Slack. Ramp's AI reviews expenses against policy, auto-codes line items, extracts invoices with OCR, recommends approvals and syncs routine spend to accounting tools such as QuickBooks Online, Xero, NetSuite and Sage Intacct.
In practice, finance teams can set travel policies by role or location, have cards lock automatically when receipts are missing, run batch bill payments by ACH, card, check or wire, and build custom reports with an AI reporting assistant. Higher tiers add procurement with purchase orders and three-way matching, local-currency card issuing in 30+ countries, and enterprise support and implementation services.
Key features
- Corporate cards with unlimited physical and virtual cards and spend controls
- AI-driven expense review and automatic receipt matching via SMS or Slack
- Accounts payable with OCR invoice extraction, approval workflows and batch payments
- Travel booking with custom travel policies
- Accounting automation with QuickBooks, Xero, NetSuite and Sage Intacct integrations
- Treasury accounts with interest on cash balances
Who is it for
- Finance teams and controllers
- Startups and fast-growing companies
- Global enterprises with multi-entity operations
- Accounts payable and expense managers
How to get started with Ramp
- Create a business account and enter basic company details
- Connect your company bank account to the platform
- Connect accounting software, such as QuickBooks Online or Xero
- Issue company cards and set spending rules
- You want company cards, expenses and accounting in one place
- Your team collects many receipts and you want them matched automatically
- You manage a company with many users and need invoice approval workflows
- You need an interface in Polish, which the platform does not offer
- You need advanced multi-entity accounting or procurement without the Enterprise plan or add-ons
Pros and cons
- Automates receipt collection, expense coding and month-end closing
- Intuitive enough for employees to use with little or no training
- Covers cards, travel, AP, AR and treasury in one platform
- Plus and Enterprise pricing requires a platform fee based on team size or custom quotes
- Some features such as procurement are sold as add-ons
Ramp pricing
| Plan | Price | Includes |
|---|---|---|
| Free | 0 USD / month | Per user; for smaller teams. Includes unlimited cards, card controls, travel and expense, AP, AR, treasury, basic accounting rules and reporting. |
| Plus | 15 USD / month | Per user, plus platform fee based on team size. 20% saving with annual billing. Adds AI expense reviews, auto-coded AP lines, batch payments, NetSuite and Sage Intacct integrations, custom roles and audit log. Procurement is an add-on. |
Prices copied from Ramp pricing, checked October 12, 2026. Currency as shown by the vendor; taxes may apply.
Is Ramp free?
Yes, there is a free plan. Free plan includes unlimited corporate cards and card controls, travel and expense tools with auto-receipt matching, accounts payable with OCR and ACH/card/check/wire payments, accounts receivable, treasury, basic accounting rules, and AI reporting.
Featured in
Ramp alternatives
| Tool | Price from | Free plan | Category |
|---|---|---|---|
 Rogo | not listed | ? | Finance & accounting |
 Brex | 12 USD/mo | trial | Business & sales |
 Docyt | 299 USD/mo | no | Finance & accounting |
 Tickeron | not listed | trial | Finance & accounting |
 Fiscal.ai | not listed | trial | Finance & accounting |
 inFakt | not listed | trial | Business & sales |
FAQ
What is Ramp used for?
Spend management platform combining corporate cards, expenses, travel, accounts payable and accounting automation for finance teams.
Is Ramp free?
Yes, there is a free plan. Free plan includes unlimited corporate cards and card controls, travel and expense tools with auto-receipt matching, accounts payable with OCR and ACH/card/check/wire payments, accounts receivable, treasury, basic accounting rules, and AI reporting.
How much does Ramp cost?
The cheapest paid plan is 15 USD/mo (vendor pricing, October 12, 2026).
What are the best Ramp alternatives?
Closest alternatives: Rogo, Brex, Docyt, Tickeron, Fiscal.ai.
Data checked October 12, 2026 on the vendor website (ramp.com).