Snapshot
Continue to About ↓- What it does
- Ramp is a finance-operations platform that combines corporate charge cards with software for expense management, bill pay and accounts payable, travel booking, procurement, banking and accounting automation.
More detail
- It is built around cards that enforce spend policy before money leaves the company, plus AI-assisted receipt and invoice handling.
- Best for
- Startups, small businesses, mid-market and enterprise finance teams that want corporate cards, expense control and accounts payable in one system, especially where policy should be enforced at the card level.
- Pricing
- Published tiers: Free at $0/mo/user
More detail
- Plus at $15/mo/user plus a platform fee based on team size (20% off with annual billing)
- Enterprise custom, annual, contact sales.
- The dollar amount of the Plus platform fee and all Enterprise pricing are undisclosed.
- Ramp cards are corporate charge cards with 3
- Main limitation
- Businesses that depend on highly reliable, on-time vendor payments or that need fully published platform-fee pricing should evaluate carefully, as independent reviewers repeatedly report payment delays and support lags.
- Record
- Living and monitored
- Reviewed
- Evidence
- Public web research
- Machine access
- Structured profile ↗
About
- Ramp is a finance-operations platform that combines corporate charge cards with software for expense management, bill pay and accounts payable, travel booking, procurement, banking and accounting automation.
- It is built around cards that enforce spend policy before money leaves the company, plus AI-assisted receipt and invoice handling.
What it helps with
- Card and expense policy must be enforced after employees spend, not before, in many setups
- Receipts, invoices and expense reports create manual chasing and data entry for finance teams
- Out-of-policy spend on specific vendors and categories is hard to block at the transaction level
- Approval workflows and accounting coding are manual and slow across entities and teams
- Vendor payments and deposit timing can be unreliable, according to repeated independent review complaints
Capabilities
A practical view of what is available and where limitations apply.
| Offering | Available | Detail |
|---|---|---|
| Corporate charge cards with controls | Yes | Company-liability Visa cards with preset category and vendor controls, unlimited physical and virtual cards, and no personal guarantee; subject to credit approval. |
| Expense management automation | Yes | Automatic receipt collection and matching, SMS/Slack submission, AI expense reviews and auto-locking cards when required receipts are missing on Plus. |
| Accounts payable automation | Yes | Pay bills by ACH, card, check and wire, with OCR invoice extraction, fraud checks and batch payments on Plus. |
| Procurement | Limited | Available as an add-on to Plus or Enterprise, covering PO creation, three-way match and vendor compliance reviews. |
| Banking and treasury | Limited | FDIC-insured checking through a partner bank and an investment account advertised at 4.5%; the investment account is not FDIC-insured and may lose value. |
| Accounting integrations | Yes | QuickBooks Online and Xero on Free; NetSuite, Sage Intacct, Workday and Oracle Fusion Cloud on higher tiers; 200+ integrations claimed. |
| Multi-entity and global support | Limited | Multi-entity support and local-currency issuing require Plus or Enterprise; exact country list is not published. |
| Transparent platform-fee pricing | No | Plus has a team-size-based platform fee with no published dollar amount, and Enterprise pricing is custom and undisclosed. |
| Operates as a bank | No | Ramp states it is a financial technology company and not a bank; deposits are held at partner banks. |
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Evidence
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- Verification
- Scribble researched these facts from the linked public sources.
- The owner has not manually confirmed every field.
- Last reviewed
- Primary source
- ramp.com
Technical profile details
Record ID
727b0174-6ae9-4319-bcdf-e7570a6d22acCanonical URLhttps://profiles.scribble.network/listing/ramp-727b0174