Ramp

Ramp is an expense management platform that integrates corporate cards, expense management, and accounts payable. It uses AI to automatically code invoices, review policies, and prevent fraud. The company states that the basic version is free and can be launched in 30 days.

AI Legal Assistant#Corporate Cards#Expense Management#Finance Automation

Updated: 2026-10-26

What is Ramp?

Ramp is an all-in-one corporate expense management platform that integrates corporate credit cards, expense management, accounts payable, travel, procurement and accounting automation into a single system. Officially, it claims to be used by more than 70,000 enterprises, including customers such as Notion, Shopify, and Quora. Unlike competitors that only focus on single-point solutions, it emphasizes "AI-first": using multiple AI agents to capture receipts at the moment of swiping, perform automatic coding, review policies and prevent fraud, and synchronize transactions in real time to ERP systems such as QuickBooks, Xero, and NetSuite. Its goal is to reduce manual work for finance teams and speed up month-end closing, and it claims that most customers can complete the launch within 30 days.

Who is it for?

Fast-growing startup and mid-sized company finance teams that need to consolidate cards, expense reports, accounts payable (AP), and travel management into a single platform to replace multiple point-solution tools.
For global companies issuing cards across multiple countries, local card issuance and multi-currency expense reporting are used to manage distributed team spending and unify the control of global expenses.
Finance and accounting teams looking to reduce month-end manual reconciliations and cut the monthly close from days to hours.
Business owners and finance leaders who need real-time spending control to avoid overspending against policy, using preset limits to intercept risks in advance.

Key features

Corporate Cards

Unlimited physical and virtual Visa cards with no personal credit check or personal guarantee. Pre-set controls are applied based on vendors, categories, and amounts to intercept violations before they occur, rather than addressing them after the fact.

Expense Management

Receipts are automatically captured upon swiping, AI fills in notes and performs categorization, employees submit expenses via SMS, Slack, or Teams, policy agents conduct 100% automatic reviews and only flag exceptions, and reimbursements are processed within 1 to 2 business days.

Accounts Payable (AP)

OCR extracts invoices with approximately 99% accuracy. Four AI agents handle automatic coding, fraud prevention, approval routing, and payment processing. It supports three-way matching and multiple payment methods, with zero processing fees for domestic ACH, checks, and cards.

Travel Management

Enforce policies at the time of booking rather than retroactively; automatically rebook hotel rooms when prices drop; adjust daily allowances based on travel itinerary and duration and automatically match receipts, reducing travel expense overruns.

Ramp Intelligence

Independently reviews transactions, enforces policies, and prevents fraud. It trains automatic coding based on the transaction patterns of over 70,000 customers. Decisions are transparently auditable, and all fund actions require manual confirmation.

Accounting Automation & Banking

Natively integrates with QuickBooks, Xero, NetSuite, Sage, Workday, and Oracle, featuring line-level automatic coding and two-way synchronization; supporting FDIC-insured business accounts for fund earnings and payments.

How to use Ramp

First connect to your ERP (about 5 minutes), upload your spending policies (about 2 minutes), and issue your first card (about 1 minute).
Then roll out gradually within 30 days and there’s no need to restructure your processes all at once.
Let the policy agent automatically review expenses and the AP agent perform automatic coding and payment, but conduct a small-scale pilot for the initial launch while retaining manual review of key payment actions.
Use Ramp Banking to park operating cash for earnings and make direct payments, eliminating the gap between holding cash and making payments, and be sure to understand the terms related to earnings and insurance.
Note that the Free Basic Plan includes core cards and expenses/AP, while Plus/Enterprise includes deep integrations with NetSuite, Workday, etc.
and multi-entity support.
choose the plan according to your needs.
Official pricing and features (such as sign-up bonuses and cashback) are subject to change.
Before making a purchase, check the Ramp pricing page to verify the current plan, whether platform fees apply, and the available regions.