Ramp

Ramp is a finance platform that gives businesses corporate cards, expense management, bill pay, and accounting automation in one system. More than 85,000 businesses use it to control spend before it happens instead of auditing it later. You can issue unlimited physical and virtual cards with built-in limits, and AI codes expenses automatically from receipts. Bill Pay handles invoices and approvals, while Ramp Travel books trips inside your policy. It syncs with QuickBooks, NetSuite, Xero, and Sage Intacct. See ramp.com for current details.

Key Features

1. Unlimited Corporate Cards

Issue unlimited physical and virtual cards on the Visa network. Set merchant, category, and amount limits on each card.

2. Automated Expense Management

Receipts submitted by SMS, app, email, or Slack get coded automatically. About 90% of transactions code themselves on receipt.

3. Ramp Bill Pay

AI reads emailed invoices and codes vendor, amount, and general-ledger account. Approval routing and 3-way matching catch errors and fraud.

4. Ramp Travel

Employees book flights and hotels from Priceline inventory with your travel policy built into the booking flow. Zero platform fees.

5. Procurement

Purchase requests and approvals run 3x faster through intake-to-pay workflows. AI fills forms from contracts and screenshots.

6. Accounting Integrations

Two-way sync with QuickBooks, NetSuite, Xero, and Sage Intacct keeps books current. CSV export covers anything else.

7. Spend Controls

Block out-of-policy spend at the swipe with per-card limits and merchant restrictions. Policies apply before money moves.

8. Savings Insights

Finance AI studies your transactions and flags ways to cut costs. Ramp says its customers collectively save over $1 billion a month.

Frequently Asked Questions (FAQ)

What is Ramp?

Ramp is an all-in-one finance platform for businesses. It combines corporate cards, expense management, bill pay, travel booking, procurement, and accounting automation in one system.

Who should use Ramp?

Ramp fits startups, small businesses, and mid-market companies that want to control spending without a big finance team. It is especially useful for teams still chasing receipts and reconciling spend by hand.

How do Ramp's corporate cards work?

Admins issue unlimited physical and virtual Visa cards with custom limits per merchant, category, or amount. Out-of-policy spend is blocked at the point of sale, and cards earn cashback with no points tiers.

How is Ramp different from Brex?

Both offer corporate cards and spend management, but Ramp adds bill pay, travel booking, and procurement in one platform with a free core tier. Brex focuses more on venture-backed startups and underwrites based on cash balances.

Does Ramp use AI?

Yes. Ramp's finance AI codes expenses, reads invoices, flags duplicate bills, and generates savings recommendations from transaction patterns.

Conclusion

Ramp replaces the patchwork of cards, expense reports, and AP tools with one connected platform. Spend controls stop bad purchases before they happen, automation removes manual coding and receipt chasing, and real-time data keeps finance teams informed. The core platform costs nothing to start, with Ramp Plus adding deeper controls for growing teams that need more.