What is Ramp software used for?

Ramp functions as a comprehensive financial management platform that combines corporate card issuance with expense tracking and automation tools. Companies rely on it to issue physical and virtual cards to employees, automatically collect and categorize receipts, enforce spending policies, integrate expense data with accounting systems, and maintain compliance through automated policy enforcement and customizable spending rules.

What is the benefit of Ramp?

The primary benefit of Ramp is its ability to automate traditionally time-consuming finance tasks while providing enhanced spending control and visibility. Finance teams save substantial hours by eliminating manual receipt collection and expense report processing. The platform's built-in controls prevent out-of-policy spending before it happens, while real-time tracking and automated categorization give companies clear visibility into their spending patterns and financial health.

What credit bureau does Ramp use?

Ramp partners with First Internet Bank of Indiana for its banking services and determines credit card approval based on company bank balance and financial health rather than traditional credit scores. This approach makes it accessible to growing companies while ensuring responsible lending practices through real-time financial data analysis, continuous monitoring of company spending patterns, and advanced risk assessment algorithms.

Updated April 8, 2025 at 5:32 AM

Ramp 2026: Benefits, Features & Pricing

Written by Eduardo Garcia

Content Analyst

Edited by Caroline Rousseau

Senior Editor

Wondering if Ramp is right for your organization?

Our Expense Report Software selection experts can help you in 15 minutes or less.

On this page

Our Summary
Pricing and Plans
Features
Integrations
Key Sentiments
User Reviews
Frequently Asked Questions

Our Summary

Ramp

4.9

(215)

FrontRunner 2026

Pros:

Ease of use
Expense tracking

Cons:

Receipt management
Credit card limitations

Pricing

Starting at $15.00 per month

What is Ramp:

Ramp combines corporate card management with spend control features for expense tracking. The platform offers physical and virtual cards with built-in controls, automated receipt collection, and expense report automation. It integrates with major accounting systems to streamline financial processes.

Why we like Ramp:

Users rate Ramp exceptionally high for ease of use (4.9/5) and value for money (4.9/5). Reviews highlight how automated receipt collection saves hours compared to manual reporting, while automated expense categorization reduces errors. The platform offers real-time notifications, mobile receipt uploads, and receipt management.

Who should use Ramp:

Mid-market companies needing expense management are ideal users. With 66% of reviewers having 11-200 employees, Ramp is designed for growing businesses requiring scalable spend management. It's particularly valuable for companies with distributed teams managing multiple cards.

Ramp Screenshots

Ramp Overview

Ramp is the corporate card and spend management solution that helps mid-market companies accelerate growth without compromising on their finances. Issue physical and virtual cards from Ramp to enable cardholders to request spend and approve requests in real-time. Automate expense reporting, streamline vendor management, and leverage advanced savings insights into ways to cut spend. With direct integrations into accounting solutions, Ramp helps finance teams save 1-2 days a week tracking expenses, following up with employees, and closing their books.

Ramp Pricing and Plans

Starting price: $15.00 per month

Free Trial

Free Version

Free

$0.00

per user, per month

Plan includes:

Unlimited cards and smart controls
Automated expense management
Vendor management and accounts payable
Accounting software sync
Real-time saving insights

Plus

$15.00

per user, per month

Plan includes:

Custom controls and advanced user roles
Unlimited customizable workflows
Procurement automation and PO management
Advanced ERP integrations with multi-entity support
International capabilities, with multi-currency card limits and spend programs

Enterprise

Pricing available upon request

Plan includes:

Custom implementation
Enterprise ERP integrations
Local card issuance
SOX compliance customizations
Premium support

Confused about pricing? We've got you covered.

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Our Analysis of Ramp's Pricing Plans

We've dug deep into Ramp's financial management platform pricing to help you determine the optimal plan for your business needs. By weighing the advantages and limitations of each tier, you can make a well-informed choice that aligns with your team's size and goals. Ramp provides three distinct plans: Free, Plus, and Enterprise. Each tier is tailored to accommodate varying levels of complexity and customization, ensuring that businesses of a...

ll scales can find a suitable solution. **Free plan** Ramp's Free plan is perfect for smaller teams looking to streamline their financial processes without any additional costs. With unlimited cards, expense policy enforcement, and basic approval workflows, this plan provides the essential tools needed to manage expenses effectively. The auto-receipt collection and matching feature simplifies record-keeping, while the QuickBooks Online and Xero integrations ensure seamless data synchronization. **Pros:** - **No cost:** The Free plan is entirely accessible to teams of all sizes and budgets. - **Essential features:** Despite being free, this plan includes core functionalities for expense management and basic accounting. - **Scalability:** Unlimited cards and vendor tracking allow for growth without the need to upgrade immediately. **Cons:** - **Limited customization:** Advanced approval policies and custom fields are not available in the Free plan. - **No multi-entity support:** Teams with multiple business entities may find the Free plan restrictive. - **Basic integrations:** While QuickBooks Online and Xero are supported, other ERP integrations are not included. **Plus plan** The Plus plan, at $15 per user per month (billed monthly), with a platform fee based on team size, is ideal for teams looking to automate their financial processes and reduce manual work. In addition to all the features of the Free plan, the Plus plan offers advanced approval workflows, batch payments, and multi-entity support. The NetSuite and Sage Intacct integrations provide more robust accounting capabilities. A 20% discount is applied when billed annually. A 30-day free trial is available for this plan. **Pros:** - **Automation:** Advanced approval policies and workflows help eliminate manual tasks and streamline processes. - **Comprehensive features:** The Plus plan includes features like purchase orders, two- and three-way matching, and payment release approvals. - **Discounted annual billing:** Teams can save 20% by opting for annual billing, making the plan more cost-effective. **Cons:** - **Per-user pricing:** The cost can add up quickly for larger teams, especially with the additional platform fee. - **Learning curve:** With more advanced features comes a steeper learning curve for team members. - **Limited customization:** While more comprehensive than the Free plan, the Plus plan may not offer enough customization for some teams. **Enterprise plan** The Enterprise plan is tailored for teams requiring full customization and advanced features. With custom approval workflows, direct ERP integrations, and dedicated support, this plan is designed to meet the unique needs of each organization. Pricing is custom and requires contacting the Ramp sales team for more information. **Pros:** - **Full customization:** Custom fields, user roles, and workflows allow teams to tailor the platform to their specific requirements. - **Dedicated support:** An Enterprise Customer Success Manager and technical consultant ensure smooth implementation and ongoing assistance. - **Advanced integrations:** Direct and custom ERP integrations, as well as third-party integrations, provide a seamless experience. **Cons:** - **Custom pricing:** The lack of transparent pricing may be a drawback for some teams, as it requires contacting sales for a quote. - **Annual commitment:** The Enterprise plan is billed annually, which may not be suitable for teams with fluctuating needs. - **Implementation time:** With custom development and testing, the implementation process may take longer than the other plans. **Conclusion** Our analysis of Ramp's pricing structure shows that they offer a range of plans designed to cater to the unique needs of businesses at various stages of growth and complexity. **For startups and small businesses:** The Free plan is an excellent starting point, providing a solid foundation of features without any upfront costs. As the business expands and requires more advanced functionality, the Plus plan offers a cost-effective solution with its per-user pricing model and comprehensive feature set. **For larger enterprises:** The Enterprise plan is the ideal choice, offering full customization and dedicated support to meet the complex needs of larger organizations. With custom development, third-party integrations, and a dedicated technical consultant, this plan ensures that the software seamlessly integrates with existing systems and processes. When selecting a plan, businesses should carefully consider their current needs, growth projections, and budget. By aligning these factors with the appropriate pricing tier, companies can optimize their financial management processes and unlock the full potential of Ramp's platform. With the flexibility to scale up or down as needed, Ramp provides a future-proof solution that can adapt to the ever-changing landscape of business finance.

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*Defined as the price above any available free plan

Ramp Features

Drawn from insights across 215 verified reviews, we've outlined Ramp's best and worst rated features and how they stack up against the average rating.

Ramp's score

Category average

Ramp's Best Rated Features

Receipt Management

4.96

4.37 category average

Real-Time Notifications

4.94

4.05 category average

Mobile Receipt Upload

4.88

4.22 category average

Ramp's Worst Rated Features

Budgeting/Forecasting

4.33

3.90 category average

Compliance Management

4.58

3.94 category average

Supplier Management

4.69

3.50 category average

Popular features found in Expense Report
Accounting Integration
Audit Trail
Automated Receipt Matching
Compliance Management
Corporate Card
Expense Claims
Mobile Receipt Upload
Multi-Currency
Reimbursement Management
Spend Control
More features of Ramp
Access Controls/Permissions
Accounting
Accounts Payable
Accounts Receivable
ACH Payment Processing
Activity Dashboard
Activity Tracking
Ad hoc Reporting
Alerts/Notifications
API
Approval Process Control
Approval Workflow
Audit Management
Bank Reconciliation
Billing & Invoicing
Budget Control
Budgeting/Forecasting
Cash Flow Management
Cash Management
Categorization/Grouping
Collaboration Tools
Configurable Workflow
Consolidation/Roll-Up
Credit Card Management
Customizable Fields
Customizable Reports
Customizable Templates
Dashboard
Data Import/Export
Data Visualization
Duplicate Detection
Duplicate Payment Alert
Electronic Funds Transfer
Electronic Payments
ERP integration
Expense Tracking
Financial Analysis
Financial Management
Financial Reporting
For Small Businesses
Fraud Detection
General Ledger
Income & Balance Sheet
Invoice Management
Invoice Processing
Mileage Tracking
Mobile Access
Multi-Company
Multi-Location
Online Banking
Online Booking
Optical Character Recognition
Planning Tools
Policy Management
Prepaid Cards
Process/Workflow Automation
Procurement Management
Project Accounting
Project Management
Purchase Order Management
Purchase Order Reconciliation
Purchasing & Receiving
Real-Time Analytics
Real-Time Data
Real-Time Monitoring
Real-Time Notifications
Real-Time Reporting
Real-Time Updates
Receipt Management
Recurring Payments
Recurring/Subscription Billing
Reminders
Reporting/Analytics
Reporting & Statistics
Requisition Management
Rules-Based Workflow
Secure Data Storage
Self Service Portal
Self-Service Reporting
Single Sign On
Spend Analysis
Spend Management
Supplier Management
Third-Party Integrations
Time & Expense Tracking
Transaction History
Transaction Monitoring
User Management
Vendor Management
Vendor Master Data Management
Visual Analytics
Workflow Management

Ramp Integrations

Based on 215 verified reviews, we've identified products most frequently integrated with Ramp.

Sage Intacct

Integration rated 4.5 from 3 reviews

QuickBooks Desktop

Integration rated 3.5 from 2 reviews

Gmail

Integration rated 5.0 from 2 reviews

QuickBooks Enterprise

Integration rated 4.5 from 2 reviews

Xero

Integration rated 5.0 from 2 reviews

Microsoft Azure

Integration rated 5.0 from 1 review

See all 57 integrations

Ramp Key Sentiments

We analyzed 215 verified reviews for Ramp to find out what actual users really think.

Most Positive Sentiments

Integration ease

70% Positive

0% Neutral

30% Negative

Reviewers find Ramp's integration with Netsuite, Sage Intacct, and Slack to be straightforward and intuitive. However, they mention minor issues with some program integrations and express dissatisfaction with the lack of seamless integration with Amazon. Despite these challenges, users generally appreciate the ease of integrating Ramp with other essential platforms.

Expense management

68% Positive

24% Neutral

9% Negative

Users find Ramp highly effective for managing and tracking expenses, making the process seamless and efficient. They appreciate how the platform simplifies expense reporting and reimbursement, saving countless hours for their teams. Additionally, users highlight the intuitive interface and the ability to stay in compliance while maintaining control over company expenses.

Least Positive Sentiments

Receipt management

49% Positive

38% Neutral

12% Negative

Reviewers value the various receipt submission options provided by Ramp, including email, text, and mobile app uploads. They find the receipt capture technology particularly useful, as it allows them to manage receipts effortlessly and stay organized. The mobile app's convenience in uploading receipts immediately after purchases is another feature users frequently praise.

Corporate cards

55% Positive

29% Neutral

17% Negative

Users appreciate the card controls offered by Ramp, which help prevent misuse by locking cards missing receipts or information. They trust the reliability of the corporate card and find it easy to set up for their teams. Additionally, users commend the customer service for being supportive and responsive, enhancing their overall experience with the card.

Ramp User Reviews

Overall Rating

4.9

Ratings Breakdown

91%

Secondary Ratings

Ease of Use

4.9

Value for money

4.8

Customer support

4.7

Functionality

4.8

Hillel G.

Verified reviewer

Hospital & Health Care

51-200 employees

Used weekly for less than 2 years

Review source

Reviewed August 2025

Great software for tracking work expenses

So far so good. Everything seems to work fine. I like that theres a setting so you basically have to upload a receipt.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Receipt management and physical card management is very nice to have for employees as well as making virtual cards.

Cons:

Theres not a whole lot to not like some of the pre built permissions arent the best or the most accurate for permissions needed.

Reasons for switching to Ramp

Receipt upload wasnt good and recipts were getting lost

Erin H.

Verified reviewer

Medical Devices

2-10 employees

Used daily for less than 2 years

Review source

Reviewed March 2025

Great UI, saves lots of time for our small team

Ramp has been great for our small business. Our team is geographically dispersed, but Ramp makes it easy to collaborate on bookkeeping, expense reimbursements, and basic expense reporting.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Ramp is easy to use, it integrates well with our internal workflows, and with external systems.

Cons:

I wish the invoice and receipt email capture system worked with more file types.

Reasons for switching to Ramp

Ramp offered better integrations and ease of use.

Claire F.

Verified reviewer

Consumer Goods

11-50 employees

Used monthly for less than 2 years

Review source

Reviewed January 2026

Easy to Use App

Ratings Breakdown

Ease of use

Functionality

Pros:

Ramp is incredibly intuitive to use. The UX design is simple and is easy to navigate. It's easy to track spending.

Cons:

It's occasionally difficult to log in to Ramp. At first I was using a Ramp log in and then it was somehow linked to my Gmail.

Reasons for switching to Ramp

It was decided by my HR department. I was not involved with the switch.

Christina C.

Verified reviewer

Accounting

11-50 employees

Used monthly for less than 12 months

Review source

Reviewed May 2025

Ramp Review

Large companys use this application to help them streamline their business operations. Applications and companies like Ramp help businesses focus on their more important operations.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Quick delivery of incoming payments and notification is always ahead of schedule. Very interactive employees and that is always appreciated!

Cons:

The sales employees can be a little persistent in regards to utilizing more of the application. Just not as interested in using it for more.

James L.

Verified reviewer

Computer Software

11-50 employees

Used weekly for less than 6 months

Review source

Reviewed December 2025

Great vendor management/payment platform!

Overall, it has been very positive with no complaints about the usability of the technology itself. I am very satisfied with how we are using it to pay vendors.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Ramp makes bill payment a breeze. They have more logical functions as far as integrations and reporting than their competitors, the speed to vendor payment is swift, and they charge in a logical fashion, not some of the inflated rates of other players in the market.

Cons:

They tend to be fragmented and continue to send sales pitches for the products that I am already enrolled in. So communications need improvement.

Reasons for switching to Ramp

Bill was too costly for the feature sets we were using, and they locked up my data. Tipalti was too slow at processing payments, and their reporting was confusing making month end close processes cumbersome.

Nick T.

Verified reviewer

Real Estate

51-200 employees

Used daily for less than 12 months

Review source

Reviewed November 2024

Get Ramped Up

We switched to Ramp a year ago within our company to help with expense reports as a whole. The reason for the switch was to take some of the work off of the shoulders of the accountants.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Ramp is perfect. The ease of uploading receipts, tracking mileage, splitting charges to certain expense accounts. It works so well.

Cons:

Nothing. There is nothing wrong with Ramp at all.

Reasons for switching to Ramp

Employees were able to steal from the company much easier. Ramp helped track a more in-depth review of employee expenses.

Jo M.

Verified reviewer

Non-Profit Organization Management

51-200 employees

Used daily for less than 12 months

Review source

Reviewed July 2025

Ramp for the Win

We've been using Ramp for 6 months. Implementation was a breeze. Use is easy and intuitive. The product is regularly upgrading.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Ease and intuitive design. Each step along the way couldn't be more easy. Seems all our staff has enjoyed using the product.

Cons:

I haven't come across something I don't like. From accounting to individual users we have happy staff.

Reasons for switching to Ramp

Cost savings, better features and ease of use.

Jeannie V.

Verified reviewer

Consumer Goods

1001-5000 employees

Used weekly for more than 2 years

Review source

Reviewed April 2025

Ramp is a lifesaver!

Overall- it’s been a breeze to track expenses since switching over to Ramp. Employees receive their monthly spending limit and a virtual and physical card. Then they upload receipts into the system as they use it. The card locks after a certain time if receipts aren’t uploaded. Also you can flag spending after a certain amount. All in all a great system to track employee expenses.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

This product make employee expense tracking so easy!

Cons:

The set up can be a little tedious but once you are on there it’s very easy to use.

Reasons for switching to Ramp

This is a better expense tracking option as we scale

Stacey W.

Verified reviewer

Machinery

51-200 employees

Used weekly for less than 6 months

Review source

Reviewed October 2025

Great user friendly platform

Overall the system is a great layout, saves us a great deal of time with accounting record keeping and helps with responsibility of users.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Ramp is very user friendly and does not need a great deal of training before getting up and running.

Cons:

The user account details and permissions were the one confusing part we ran into with setup. Mostly no issues to date.

Reasons for choosing Ramp

Integrated into our accounting software easier

Katherine C.

Verified reviewer

Non-Profit Organization Management

11-50 employees

Used weekly for less than 6 months

Review source

Reviewed October 2025

Ramp is a great expense tracker

Overall Ramp has been user- friendly and easy to navigate and transition into. The tracking is simple and the integration with QBO is good so far.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Ramp was easy to get started with and has already saved us time and money on expense tracking. We use their credit cards for staff so that expenses will be better tracked and categorized.

Cons:

Ramp wants all of your business and will do everything that they can to make sure that they get all of it.

Reasons for choosing Ramp

cost of the product was lower and it came highly recommended

Showing 1 - 10 of 215 Reviews

See All Reviews

Ramp FAQs

What is Ramp software used for?
Ramp functions as a comprehensive financial management platform that combines corporate card issuance with expense tracking and automation tools. Companies rely on it to issue physical and virtual cards to employees, automatically collect and categorize receipts, enforce spending policies, integrate expense data with accounting systems, and maintain compliance through automated policy enforcement and customizable spending rules.
What is the benefit of Ramp?
The primary benefit of Ramp is its ability to automate traditionally time-consuming finance tasks while providing enhanced spending control and visibility. Finance teams save substantial hours by eliminating manual receipt collection and expense report processing. The platform's built-in controls prevent out-of-policy spending before it happens, while real-time tracking and automated categorization give companies clear visibility into their spending patterns and financial health.
What credit bureau does Ramp use?
Ramp partners with First Internet Bank of Indiana for its banking services and determines credit card approval based on company bank balance and financial health rather than traditional credit scores. This approach makes it accessible to growing companies while ensuring responsible lending practices through real-time financial data analysis, continuous monitoring of company spending patterns, and advanced risk assessment algorithms.