Start for free.
Scale with Intelligence.
Whether you’re a startup, global enterprise, or somewhere in between, Ramp is designed to save you time and money.
AI-assisted
Free
$0/mo/user
Best for smaller teams who want to simplify finances.
Key features:
Travel & Expense
Auto-receipt collection and matching
Create a custom travel policy
Book flights, hotels, and car rentals
Complete expenses via SMS or Slack
Accounts Payable
Pay bills by ACH, card, check, wire, and more
Configurable approval workflows
Automated invoice extraction (OCR)
Automated fraud checks
Accounting Automation
Basic accounting rules
QuickBooks Online and Xero integrations
Corporate Card
Card issuing controls
Unlimited cards
Budgets & Reporting
Custom report builder
Custom reports and insights via AI reporting
Banking*
Earn 4.47%3 in a Ramp Investment Account†
No fees, minimum deposits, or transfer caps
Earn 2%1 on cash in a FDIC-insured2 checking account
Free wires and same-day ACH via Bill Pay4
Vendor Management
Automated vendor tracking and contract extraction
Price intelligence
Accounts Receivable
Invoice creation (OCR)
Accept payments via ACH, card, and check
Automated customer follow-up and cash application
AI-powered
Plus
$15/mo/user
+ Platform fee based on team size
Save 20% with annual billing
Perfect for teams who want to use AI-driven automation to eliminate busywork.
All the features of Free, and:
Accounting Automation
NetSuite, Sage Intacct, and more integrations
AI coding for every field
Support for multi-entity businesses
Automate approval and sync of routine spend
Travel & Expense
AI-driven expense reviews and policy insights
Auto-lock cards when compliance is unmet
24/7 phone support for travel bookings
Procurement (Add-on to Plus or Enterprise)
Automated PO creation and tracking
Advanced intake and approval workflows
AI-driven vendor compliance reviews
Three-way match with Ramp purchase orders
Budgets & Reporting
Share live reports and schedule exports
Track budgets vs. actuals in real time
Accounts Payable
Automated batch payments
AI-driven approval recommendations
Auto-coded line items
Payment release approvals
User management
Custom user roles
Audit log
Multi-entity visibility restrictions
Global Coverage
Auto tax capture and coding
AI-tailored
Enterprise
Custom
Annual billing
Specifically made for teams who need full customization.
All the features of Plus, and:
Implementation Services
Custom implementation scoping and roll out plan
Integration setup and validation testing
Employee training and change management
Enterprise Services
Custom policy and workflow configuration
Advanced org, role, and entity configuration
ERP extensions and configurations
Custom development
Accounting Automation
Workday, Oracle Fusion Cloud, and more integrations
Global Coverage
Local currency card issuing in 30+ countries
Locally funded reimbursements
Pay card payments in local currency
White Glove Support
Priority 24/7 global support
Dedicated account and customer success manager
85,000+ finance teams have saved millions of hours with Ramp.
+ Automatically lock cards when required receipts or items aren’t submitted on time
+ Automatically lock cards when required receipts or items aren’t submitted on time
Create company-wide policies
+ Create custom travel policies based on role, department, location, and more
+ Create custom travel policies based on role, department, location, and more
+ Invite external guests to book travel in Ramp with set budgets and policy controls
+ Invite external guests to book travel in Ramp with set budgets and policy controls
24/7 chat support
24/7 phone support
24/7 phone support
+ Limit reimbursement spending
+ Submit and review reimbursements in bulk
+ Send weekly batched reimbursements
+ Submit and review reimbursements in bulk
+ Send weekly batched reimbursements
+ Limit reimbursement spending
+ Submit and review reimbursements in bulk
+ Send weekly batched reimbursements
+ Submit and review reimbursements in bulk
+ Send weekly batched reimbursements
+ Require itemized receipts, flag alcohol spend, weekend transactions, and more
+ Require itemized receipts, flag alcohol spend, weekend transactions, and more
+ Route based on GL code, entity, and other accounting conditions
+ Route based on GL code, entity, and other accounting conditions
+W8 uploads
+W8 uploads
$.65 per IRS filing. Free state filing.
$.65 per IRS filing. Free state filing.
$.65 per IRS filing. Free state filing.
+ Route based on vendor, department, accounting field, payment type, and more
+ Route based on vendor, department, accounting field, payment type, and more
Requires Accounts Receivable Add-on
Requires Accounts Receivable Add-on
Requires Accounts Receivable Add-on
Requires Accounts Receivable Add-on
Requires Accounts Receivable Add-on
Requires Accounts Receivable Add-on
QuickBooks Online, Xero
+ NetSuite, Sage Intacct, Acumatica, Microsoft Dynamics 365 Business Central
+ Workday, Oracle Fusion Cloud, Microsoft Dynamics F&O
+ Workday
+ Workday
Compare features
Free | Plus | Enterprise | |
|---|---|---|---|
Corporate Card | |||
Corporate liability charge card | |||
Competitive credit limits | |||
Unlimited physical and virtual cards | |||
Card issuing controls | |||
Category and vendor controls | |||
Proactive policy controls and follow up | + Automatically lock cards when required receipts or items aren’t submitted on time | + Automatically lock cards when required receipts or items aren’t submitted on time | |
Travel | |||
Travel bookings | |||
Travel policies | Create company-wide policies | + Create custom travel policies based on role, department, location, and more | + Create custom travel policies based on role, department, location, and more |
Guest bookings | + Invite external guests to book travel in Ramp with set budgets and policy controls | + Invite external guests to book travel in Ramp with set budgets and policy controls | |
Support | 24/7 chat support | 24/7 phone support | 24/7 phone support |
Expense Management | |||
Spend limits with preset accounting codes | |||
Automatic receipt collection and matching | |||
Employee repayments | |||
Reimbursements | + Limit reimbursement spending + Submit and review reimbursements in bulk + Send weekly batched reimbursements | + Limit reimbursement spending + Submit and review reimbursements in bulk + Send weekly batched reimbursements | |
Transaction alerts and flags | + Require itemized receipts, flag alcohol spend, weekend transactions, and more | + Require itemized receipts, flag alcohol spend, weekend transactions, and more | |
Approval workflows | + Route based on GL code, entity, and other accounting conditions | + Route based on GL code, entity, and other accounting conditions | |
Complete expenses & ask policy questions via SMS or Slack | |||
Approval recommendations for every transaction | |||
Proactive policy & compliance insights | |||
Parallel approvers | |||
Missing receipt affidavits | |||
Sunshine Act | |||
Accounts Payable | |||
Invoice capture with AI-powered OCR | |||
Pay bills by check, ACH, card, and wire | |||
Advanced exports | |||
Tax management | +W8 uploads | +W8 uploads | |
1099 filing (NEC and MISC) | $.65 per IRS filing. Free state filing. | $.65 per IRS filing. Free state filing. | $.65 per IRS filing. Free state filing. |
Create bills using CSV uploads | |||
Import bills from ERP | |||
Mobile bill approvals | |||
Approval rules and routing | + Route based on vendor, department, accounting field, payment type, and more | + Route based on vendor, department, accounting field, payment type, and more | |
Basic vendor onboarding | |||
Automated fraud checks from AP Agents | |||
Automated card payments | |||
Automated batch payments | |||
Approval recommendations from AP agent | |||
Line item auto-coding from AP agent | |||
Payment release approvals | |||
Line item splits | |||
Three-way match with imported purchase orders and item receipts | |||
Accounts Receivable | |||
Invoice creation with AI-powered OCR | |||
Automated, personalized customer follow-up | |||
Cash application | |||
Accept payments via check, card, and ACH | |||
Automated revenue recognition schedules | Requires Accounts Receivable Add-on | Requires Accounts Receivable Add-on | Requires Accounts Receivable Add-on |
Recurring billing schedules | Requires Accounts Receivable Add-on | Requires Accounts Receivable Add-on | Requires Accounts Receivable Add-on |
Procurement (Add-on to Plus or Enterprise) | |||
Custom intake | |||
Advanced workflow builder | |||
Integrations with CLM, TPRM, and Ticketing tools | |||
Vendor onboarding with custom forms | |||
Purchase order (PO) management | |||
Match card transactions to purchase orders | |||
AI-driven vendor compliance reviews | |||
Three-way match with Ramp purchase orders and item receipts | |||
Banking* | |||
Earn 2%1 in a FDIC-insured2 checking account | |||
Earn 4.47%3 in an Investment Account† | |||
No fees, minimum deposits, or transfer caps | |||
Free, same-day ACH, domestic and international wires4 | |||
DACAs and letters of credit | |||
Accounting Automation | |||
Basic accounting rules | |||
Advanced accounting rules | |||
Advanced NetSuite support | |||
Multi-entity support | |||
Custom field support | |||
AI coding for every field | |||
Automated accruals and reconciliation | |||
Amortization | |||
Auto approvals for routine, recurring transactions | |||
Integrations | |||
Accounting integrations | QuickBooks Online, Xero | + NetSuite, Sage Intacct, Acumatica, Microsoft Dynamics 365 Business Central | + Workday, Oracle Fusion Cloud, Microsoft Dynamics F&O |
HRIS integrations | + Workday | + Workday | |
Continuous HRIS sync | |||
Global | |||
Pay global vendors in USD or local currency | |||
Global reimbursements funded in USD and paid in local currency | |||
Issue limits and create spend programs in local currencies | |||
Auto tax capture | |||
Global reimbursements funded and paid in local currency | |||
Pay card statements with local currency | |||
Fund bill payments with local currency | |||
Local card issuing | |||
Budgets & Reporting | |||
1099 reporting | |||
Create custom reports using AI | |||
Ramp Budgets tracks plan vs. actuals in real time | |||
Custom report builder | |||
User management | |||
Secure logins with SCIM, SSO, and SAML | |||
Custom fields | |||
Custom user roles and multi entity restrictions | |||
Audit log | |||
Vendor management | |||
Price intelligence | |||
Contract extraction | |||
Automatic vendor tracking | |||
Support | |||
Help center | |||
Instant, 24/7 AI help for any Ramp question or task | |||
Chat, email, and phone support | |||
Priority support | |||
Custom support | |||
FAQ
Yes, Ramp Free is designed for smaller teams who want to get started with Ramp. If you would like to try Ramp Plus, you can sign up with a free 30-day trial, and easily switch plans anytime as your needs change.
No, you can issue unlimited virtual and physical cards to your team at no extra cost.
You can pay for Ramp Plus with ACH or the rewards you earn from your Ramp card spending.
You can upgrade or downgrade anytime within your Ramp dashboard or by contacting us directly. See here for more information.