Ramp
Corporate cards, expense management, and AP automation in one free platform.
Overview
Ramp sits between a simple corporate card and a full AP suite, offering US small and mid-sized firms expense management, automated bill pay, and spend controls on a free base plan funded by card interchange rather than subscription fees.
Ramp launched in 2019 as a corporate card built to slow company spending down rather than reward it. Most card programmes pay cashback on every dollar spent, which quietly incentivises overspending. Ramp inverted that model: cards carry per-employee and per-vendor spend limits, the platform flags duplicate vendors, and the rewards live in the savings rather than the cashback. The company funds itself from interchange, not subscriptions, which is why the base tier is free.
Since launch, the platform has grown into a full corporate card, expense, and bill-pay stack. Receipts match to transactions automatically. Coding suggestions draw on past entries, which cuts bookkeeping time from day one. The bill pay module handles vendor invoices, approval routing, and ACH or check disbursements. Ramp works with QuickBooks, Xero, NetSuite, Sage, and Slack.
The Plus plan at $15 per user per month (with an additional team-size platform fee) adds AI-driven expense review, auto-coded line items, and advanced ERP connections. A 30-day free trial applies to Plus. Enterprise pricing covers custom ERP work and dedicated support.
The partner programme runs from Partner through Silver, Gold, and Platinum tiers, with referral bonuses between $500 and $750 per referred client. Partners get an advisor console with aggregated client insights, co-branded materials, and invitations to partner events. Ramp is available to businesses registered in the US, which rules out international clients.
Key facts
- Starting price
- Free
- Pricing model
- Free
- Free trial
- Yes
- Free tier
- Yes
- Deployment
- Cloud, Mobile
- Geography
- US
- Founded
- 2019
- Support
- Email, Chat, Phone, Knowledge Base
- Languages
- English
- Works with
- Quickbooks, Xero, Netsuite, Sage, Slack, Gmail
- Last verified
- 2026-05-01
Pros and Cons
Pros
- US small to mid-sized firms that want free corporate cards with auto-coded receipts on QuickBooks, Xero, NetSuite, or Sage.
- Practices that earn referral income from accounting partnerships. Ramp pays $500 to $750 per referred client.
- Clients ready to put cards, expense management, and bill pay onto one free platform.
Cons
- Non-US businesses. Ramp issues cards only to companies registered in the United States.
- Firms that want AI-driven expense review without a per-user fee. That sits behind the Plus tier at $15 per user.
- Teams tied to existing bank-card rewards. Ramp's interchange model replaces those rewards entirely.
Pricing
| Tier | Price | Billing | Features |
|---|---|---|---|
| Free | $0 | Per user per month | Corporate cards, expense management, basic accounts payable, treasury, accounting automation, budgets and reporting. |
| Plus | $15 | Per user per month (20% discount billed annually) | AI-driven expense reviews, auto-coded line items, advanced integrations, real-time budget tracking, custom user roles. Platform fee applies based on team size. |
| Enterprise | Custom | Custom annual | Advanced ERP integrations, white-glove support, dedicated account manager, custom implementation services. |
Frequently asked questions
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User reviews
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Alternatives to Ramp
Other AI tools in the AP, AR, and payments category.
Last verified 2026-05-01. Pricing and features come from vendor-published specs. See our methodology.