Ramp

Where Ramp fits

Ramp brings corporate cards, expense claims, bill payments, procurement, and travel into one finance workspace. It works best for US companies that want controls in place before money is spent. Employees can send receipts by text or mobile app, while admins issue virtual cards and restrict purchases by merchant, category, amount, or time.

• Core account: cards, expenses, reimbursements, and basic integrations without a software subscription.
• Paid layers: deeper controls, procurement workflows, and advanced administration.
• Rollout: company approval and card underwriting are still required.

How the economics work

The free plan is genuinely usable, and Ramp also earns revenue when customers use its cards. Ramp Plus is priced per user, so costs rise with headcount; Enterprise terms are negotiated. Accounting connections to QuickBooks, Xero, NetSuite, and Sage Intacct reduce duplicate entry, but complicated mappings and multi-entity books still need careful review. Finance teams should also confirm eligibility, credit limits, and international coverage before moving every workflow.