Ramp

Ramp is a corporate card and finance automation platform founded in 2019, used by 70,000+ companies from startups to enterprises (up from roughly 25,000 a year prior). Its core pitch: spend less money. Ramp's AI analyzes every transaction and proactively surfaces savings opportunities, duplicate subscriptions, and policy violations.

What Ramp Does

AI expense intelligence — Ramp's AI automatically categorizes transactions, flags anomalies, and identifies where companies are overspending. It surfaces specific savings opportunities: "You have 3 employees paying for Zoom individually when the company has an enterprise plan." In April 2026, Ramp launched a fleet of purpose-built AI agents across procurement — triaging employee purchase requests, sourcing vendors, reviewing contract terms, and running compliance checks — plus an auto-coding agent that codes new invoices based on an organization's historical accounting patterns.

Corporate cards — Ramp issues physical and virtual Visa cards with per-card spend limits, merchant restrictions, and category controls. Cards can be created instantly for any employee or vendor.

Automated accounting sync — Ramp syncs with QuickBooks, Xero, NetSuite, Sage, and Workday. Transactions are coded automatically based on merchant category and your custom rules, reducing manual bookkeeping to near zero.

Bill pay and AP automation — Ramp handles accounts payable: upload invoices, Ramp extracts the data, routes for approval, and schedules payment. Supports ACH, wire, and check.

Travel booking — Ramp's travel module lets employees book flights and hotels within policy, with the costs automatically appearing in the expense system.

Vendor management — Track all SaaS subscriptions, get renewal alerts, and see who's actually using each tool. Cancel unused subscriptions directly through Ramp.

Pricing

Ramp is free for core expense management and corporate cards. Ramp Plus (~$15/user/month plus a platform fee) adds advanced workflows, custom accounting, and priority support. Ramp earns interchange revenue on card transactions.