Ramp

Ramp is a finance operations platform that combines corporate cards, expense management, accounts payable, procurement, travel booking, and business banking into a single AI-powered system. Instead of stitching together separate tools for cards, receipts, approvals, and bookkeeping, finance teams get one connected platform where spend controls are set before money moves, receipts are automatically matched to transactions, and every dollar syncs directly to the company's accounting system.

At the center of Ramp is its AI layer, which reviews expenses against policy, recommends or auto-approves in-policy transactions, auto-codes accounting fields, flags anomalies, and answers spend questions in plain language via chat, SMS, or Slack. Employees can issue unlimited virtual and physical cards with built-in limits and category controls, book travel with automatic policy enforcement, and submit reimbursements that get paid out in one to two business days. On the payables side, Ramp uses AI-powered OCR to extract invoice data, routes bills through configurable approval workflows, runs automated fraud checks, and pays vendors by ACH, card, check, or wire.

Ramp serves startups, mid-market companies, and enterprises, with over 70,000 businesses on the platform as of 2026. Smaller teams typically start on the free tier for corporate cards, expenses, and basic accounting automation, while growing finance teams upgrade for deeper AI-driven approval recommendations, advanced ERP integrations like NetSuite and Sage Intacct, and multi-entity support. Enterprises get custom implementation, white-glove support, and connections to systems like Workday and Oracle Fusion Cloud.

Founded in 2019 by Eric Glyman, Karim Atiyeh, and Gene Lee, Ramp has grown into one of the fastest-growing corporate card and spend management platforms in the US, reaching a multibillion-dollar valuation and processing tens of billions of dollars in purchases annually.

Ramp offers three tiers. Free ($0/user/month) includes unlimited corporate cards, card issuing controls, travel booking, automated receipt matching, invoice OCR, configurable AP approval workflows, basic accounting rules with QuickBooks Online and Xero integrations, a Ramp Investment Account and FDIC-insured business account, and AI-powered custom reporting. Plus is $15/user/month plus a platform fee based on team size (20% discount with annual billing), and adds AI-driven expense reviews and policy insights, auto-locking cards for non-compliance, automated batch payments, AI-driven approval recommendations, NetSuite/Sage Intacct/Acumatica/Dynamics 365 integrations, AI coding for every field, multi-entity support, custom user roles, and an audit log. An optional Procurement add-on with advanced intake, workflow builder, and PO management is available on Plus or Enterprise. Enterprise uses custom annual pricing and adds Workday and Oracle Fusion Cloud integrations, local currency card issuing in 30+ countries, locally funded reimbursements, a dedicated account manager, priority 24/7 support, and custom implementation services. 1099 filing costs $0.65 per IRS filing with free state filing across all tiers.