Ramp

Ramp is an AI-powered corporate spend management platform that combines Visa business cards, expense management, bill payments, accounting automation and business banking in one system. Used by 70,000+ companies — including Shopify, Notion, Perplexity, Glossier, Eight Sleep and Poshmark — Ramp uses AI agents to automate receipts, coding, approvals and policy enforcement so finance teams close the books faster and focus on strategy.

Founded in 2019 and headquartered in the USA, Ramp lets businesses issue cards in 30+ currencies, reimburse employees in local currencies (GBP, EUR, JPY, MXN and more), and connect to 200+ tools including QuickBooks, Xero, NetSuite and Slack. Ramp customers reportedly grow revenue 3.2x faster than the average US business.

Best for: startups, scale-ups and enterprises that want a single platform for corporate cards, expenses, bill pay and accounting automation — not a consumer crypto card.

Ramp is a corporate spend platform rather than a consumer card: Visa business cards, expense management, bill payments and accounting integrations, with 1.5% back. Slash competes on the same ground for US businesses, and MPCVault covers the crypto-native version for teams holding their own keys. The crypto cards directory lists the business programmes.

Cards & expenses

• Virtual and physical Visa business cards with dynamic limits per cardholder, role and department.
• AI receipt capture — text a receipt, Ramp handles the rest.
• Real-time expense policies and auto-approvals.

Procure-to-pay

• Bill payments and accounts payable without chasing approvals.
• Vendor management and purchase orders.

Accounting automation

• Auto-coding of accounting fields, month-end close automation.
• 200+ integrations — QuickBooks, Xero, NetSuite, Sage Intacct, Slack and more.

Business banking

• Business banking with treasury and yield on idle cash.
• Issue cards in 30+ currencies; reimburse in local currencies.

Ramp Intelligence & AI agents

• Policy agents that learn from your team and get smarter over time.
• Receipts processed, accounting fields coded and violations classified automatically.
• Stack by Ramp — an AI operating system for accounting firms.

Ramp is a fiat corporate card platform and does not directly support cryptocurrency balances or on-chain spending. It issues Visa business cards funded in fiat and supports spend in 30+ fiat currencies including USD, EUR, GBP, JPY, MXN, CAD and AUD. Crypto-native businesses can use Ramp for their fiat corporate spend, but Ramp is not a crypto card.

Card fees

• Issuance — free (virtual and physical Visa cards).
• Monthly / annual fee — none on standard plans; premium tiers (Plus, Enterprise) add per-seat or custom pricing.
• ATM withdrawal — standard Visa network ATM fees apply.
• FX fee — mid-market rates on multi-currency spend; no Ramp markup on standard plans.

Rewards

• Up to 1.5% cashback on eligible spend (varies by plan and category).
• Higher cashback and negotiated discounts on Plus and Enterprise tiers.

Plans

• Free — core cards, expenses and bill pay.
• Plus — advanced automation, higher cashback, per-seat fee.
• Enterprise — custom pricing, SSO, advanced approvals and controls.