Ramp
Spend management that stops bad purchases before they happen.
About
Ramp is a spend management platform built around corporate cards (Visa), expense management, bill pay, procurement, and travel in one place. AI auto-categorizes transactions and matches receipts, policies are enforced at card authorization rather than after the fact, and savings insights flag duplicate subscriptions and price changes. The core product is free; Ramp makes money on interchange and the paid Plus tier. Integrations cover NetSuite, Sage Intacct, QuickBooks, Xero, Workday, and Dynamics.
The honest math: reviewers consistently praise the automation but report occasional card declines and issuance hiccups that frustrate employees. Role-based permissions are limited for people wearing multiple hats, the mobile app draws complaints, and Plus pricing is $15 per user per month plus a platform fee — so the 'free' story fades as you scale. Customer support is a recurring sore spot in reviews.
What it can do
- Corporate cards with spend limits, AI expense categorization and receipt matching, policy enforcement at authorization, bill pay, procurement, travel booking, treasury accounts, savings insights
Setup
Sign up for a free Ramp account, connect your business bank account, order physical or virtual cards, and configure spend policies and approval flows.
Prerequisites
A registered business with a US business bank account for card issuance; accounting software for sync.
Use cases
Works with
Trust score — 8/10
Scored 8/10 (verified tier, metrics-v1). Evidence: Free core / Plus $15/user/mo + platform fee pricing confirmed in Ramp's own comparison page; Policy enforcement at card authorization and AI receipt matching verified in product breakdowns; NetSuite/Sage Intacct/QuickBooks/Xero/Workday/Dynamics integrations verified; Card issues, permission limits, and support complaints documented in SelectHub comparison.
Sources
Every fact above was checked against these sources. Where a claim comes from the provider and couldn't be independently verified, the text says so.