Ramp review: Corporate cards, expenses and bill pay for finance teams, with a free plan

What Ramp does

Combines corporate cards, expense capture, bill payment, travel booking and accounting sync so finance teams manage company spend in one place.

Ramp is a spend management platform that puts corporate cards, expense handling, accounts payable, travel booking and business banking in one place. Companies can issue unlimited physical and virtual cards, collect and match receipts automatically, and complete expenses by SMS or Slack. On the payables side it extracts invoice data with OCR, routes approvals, and pays bills by ACH, card, check or wire.

For accounting, the Free plan connects to QuickBooks Online and Xero, while higher plans add systems such as NetSuite and Sage Intacct. The vendor lists 200+ integrations across accounting, banking, HR, procurement and receipt tools, plus an open API and CSV exports. Larger or international teams can use cards in 30+ currencies and local-currency reimbursements.

Pricing has three tiers. Free is $0/mo/user. Plus is $15/mo/user and adds a platform fee based on team size; the page mentions a 20% saving with annual billing but does not state the resulting price. Plus can be tried with a 30-day free trial. Enterprise has custom pricing, annual billing and contact-sales onboarding. Extras include a $.65 charge per IRS filing for 1099s, and Procurement and Accounts Receivable are sold as add-ons.

• Unlimited physical and virtual corporate cards
• Expenses via SMS or Slack
• Automatic receipt matching
• Invoice OCR and bill payments
• Travel booking
• Accounting integrations
• Cards in 30+ currencies
• Open API and CSV exports

Our take

Ramp suits finance teams that want cards, expenses, bill pay and accounting sync handled in one product, and that want to begin without paying: the Free plan costs $0/mo/user and the Plus plan offers a 30-day trial. Growing companies can move up to Plus at $15/mo/user, but should ask what the team-size platform fee comes to, since the pricing page gives no amount. It is a weaker fit if you need only one narrow tool, such as a single expense-reporting app, or if you need fixed, fully published prices for Enterprise, which is quoted as custom. Procurement and Accounts Receivable cost extra, so check which modules you need before comparing it with simpler options.