Ramp

Ramp is a finance platform for corporate cards, expenses, bill payments, accounting automation and banking, with AI agents doing routine work.

Ramp brings corporate cards, expense management, procurement, bill payments, accounting automation and business banking into one platform. AI agents handle routine finance work around the clock, such as matching receipts, coding transactions, reviewing expenses against policy and preparing the month-end close. Ramp Intelligence learns from the company's own finance team and from patterns across more than 70,000 businesses, and Stack by Ramp is pitched as an AI operating system for finance teams. A newer feature, AI Token Spend Management, shows and controls what a company spends on AI models. Ramp connects to more than 200 accounting, HR and other tools, and its core product is free to start.

Ramp at a glance

Best for: Finance, Founder, Director
Runs on: Web, iOS, Android, API
Pricing: Free; Plus $15/user/month plus a platform fee by team size; Enterprise custom
Released: February 2020
Category: AI productivity tool
Website: ramp.com

Key features

Corporate cards with built-in spend controls
Expense management with automatic receipt matching
Procure-to-pay and bill payments
Accounting automation for a faster month-end close
Policy agents that review expenses
AI token spend tracking and controls
200+ integrations with accounting and HR tools

Use it for

Reimburse employee expenses without chasing receipts
Pay vendor invoices with approvals
Track and cap company spending on AI models

Alternatives to Ramp

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Numeric — Compresses time to close and automates accounting work.
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LayerNext — Automates finance workflows across existing ERP systems without requiring APIs.
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Digits — AI-native general ledger with automated bookkeeping and real-time financials.
Rillet — Automate accounting workflows to enable a continuous financial close.
Vic.ai — Achieve high efficiency and accuracy in invoice processing.

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