Ramp

Ramp is an AI-powered corporate spend platform that unifies corporate cards, expense management, bill payments, accounting automation and business banking in a single platform. Founded in 2019 and headquartered in New York, Ramp is used by 70,000+ companies including Shopify, Notion, Perplexity, Glossier, Eight Sleep, Poshmark, Sierra, Virgin Voyages and the City of Ketchum.

Ramp’s finance “agents” work 24/7 to automate receipts, accounting field coding, expense reviews, spend allocation, invoice processing and policy-violation classification — eliminating manual month-end work. The platform issues cards in 30+ currencies, reimburses employees in local currencies (GBP, EUR, JPY, MXN and more), and connects to 200+ integrations including NetSuite, QuickBooks, Xero, Slack, Salesforce, Workday, Sage, Rippling, Gusto and ADP.

Best for: finance teams that want one platform for cards, expenses, bill pay, accounting automation and banking — with AI agents handling the busywork. Ramp is a fiat corporate spend platform, not a crypto payment gateway.

Platform fees

• Software — free; Ramp is primarily funded by card interchange, not SaaS subscriptions.
• Setup fee — $0.
• Monthly fee — $0 on standard plans.
• Premium / Enterprise — paid tiers for advanced controls, custom workflows and enterprise SSO.

Card & FX

• Corporate cards — no annual or card fees; interchange-funded.
• FX — issue cards in 30+ currencies and reimburse in local currencies with competitive conversion.
• Cashback — up to 1.5% cashback on eligible spend (terms apply).

Banking

• Business banking — no minimum balance or monthly fees on Ramp Banking accounts.

Cards & expenses

• Corporate cards with auto-collected receipts and AI-coded accounting fields.
• Expense management with policy agents that review spend in real time.
• Provision cards, permissions and limits automatically by role, location and department.

Procure-to-pay

• Bill payments and approvals without chasing.
• Accounts payable automation from intake to payment.
• Accounting automation that eliminates month-end madness.

Banking & treasury

• Business banking that moves money to the highest return.
• Treasury and cash-flow visibility across accounts.

AI agents (Ramp Intelligence)

• Receipts processed, accounting fields coded, expenses reviewed, invoices processed and violations classified automatically.
• Stack by Ramp — an AI operating system for accounting firms.
• Policy agents that learn from your team and get smarter with every team that joins.

Global & integrations

• Global spend management — cards in 30+ currencies, reimburse in local currencies.
• 200+ integrations including NetSuite, QuickBooks, Xero, Slack, Salesforce, Workday, Sage, Rippling, Gusto, ADP, Okta and SSO/SAML.