Ramp

Ramp gives your team company cards and takes care of the paperwork behind them. Every staff member gets a physical or virtual card with limits you set. When they buy something, Ramp asks for the receipt by text or Slack, matches it, codes the expense to the right account and syncs it to QuickBooks, Xero or NetSuite. It also pays bills, books travel, handles reimbursements, tracks software contracts and sends invoices to customers.

The AI does the checking a finance person used to do. It reads invoices, suggests who should approve them, codes each line, reviews expenses against your policy and locks cards when someone ignores the rules (Plus plan). Ramp also has an API, and builders use it to connect Ramp to AI tools like Claude.

The catch: Ramp is for US-registered companies, LLCs and partnerships only, so sole traders and businesses outside the US can't sign up. The card is a charge card that you pay off in full, and Ramp checks your cash balance before approving you. The paid plan's platform fee depends on team size, so ask for the full price.

• Startups
• Finance teams
• Growing businesses
• Agencies
• Operations managers

US startups and growing businesses with a team that spends on company cards and wants the receipts and bookkeeping handled.

• Company cards

  Unlimited physical and virtual cards for staff, each with its own limits, categories and approved suppliers.

• Automatic receipts

  Staff reply to a text or Slack message with a photo, and Ramp matches the receipt to the purchase.

• AI expense coding

  Ramp codes each expense and invoice line to the right account and syncs it to your accounting software.

• Bill pay

  Upload or forward invoices, let AI read them and suggest approvers, then pay by ACH, card, cheque or wire.

• Travel booking

  Book flights, hotels and cars inside Ramp, with travel rules you set by role or team.

• Policy checks

  AI reviews spend against your expense policy and can lock a card until the rules are met (Plus).

• Our pick

  Free

  $0

  Small US teams that want cards and expenses sorted.

  • Unlimited cards
  • Receipt matching by text or Slack
  • Bill pay and invoicing
  • QuickBooks and Xero sync
  • AI reports

• Plus

  $15/user/mo plus a platform fee, 20% off yearly

  Teams with approval chains and stricter policies.

  • AI expense reviews and approval suggestions
  • Auto-coded invoice lines
  • NetSuite and Sage Intacct sync
  • Multiple entities and custom roles

• Enterprise

  Custom

  Large or global companies.

  • Local-currency cards in 30+ countries
  • Workday and Oracle sync
  • Dedicated account manager
  • Custom setup and training

Prices in USD unless noted, checked 3 November 2026. Vendors change plans often, so confirm on their site before you buy.

Ways Ramp can slot into your week.

1. 1

   Close the books faster

   Let Ramp collect receipts and code every card purchase, so month-end is a review instead of a chase.

2. 2

   Control team spending

   Give each person a card with a limit and allowed categories, like a $500 monthly software card for marketing.

3. 3

   Approve bills without email chains

   Forward supplier invoices to Ramp, let it suggest approvers and pay once they click approve.

4. 4

   Track software subscriptions

   See every tool you pay for, spot duplicates and get warned before renewals.

Ramp handles spending and pushes clean, coded transactions into QuickBooks, Xero or NetSuite. Staff interact with it by text, Slack or the mobile app, and Gusto or Rippling handle payroll alongside it.

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