Ramp Expense Management Review
by Ramp Business Corporation
Ramp combines corporate cards and expense management: receipts are captured as soon as a card is swiped, a policy agent reviews every expense and transactions sync to the ERP.
- Company size
- Startups, small businesses, mid-market companies, enterprises
- Pricing model
- Per user
- Free trial
- Yes
- Integrations
- 200
Best for
- Companies that want corporate cards and expense management in one product
- Small teams that want card controls and receipt matching at no per-user cost
- Finance teams on NetSuite or Sage Intacct that want AI coding of transactions (Plus)
Not ideal for
- Buyers who want a full Plus price before talking to sales: the platform fee is not published
- Companies that want to keep their current corporate cards rather than move spend to Ramp cards
How we evaluated Ramp
This review rests on 24 facts checked against Ramp’s official pricing pages and documentation, most recently on . We did not test the product hands-on: the score and the pros and cons use only those verified facts, as our methodology explains, and third-party ratings are quoted, never scored.
Our verdict
Ramp is a corporate card and expense management platform: the receipt is captured when the card is swiped, employees finish expenses by SMS, Slack or Microsoft Teams, and a policy agent reviews every expense before transactions sync to the ERP. Reimbursements reach more than 70 countries in local currency. The Free plan covers cards, expenses and QuickBooks or Xero sync at $0 per user; Plus adds AI reviews, NetSuite and Sage Intacct and multi-entity support at $15 per user a month plus a platform fee Ramp does not publish.
Strengths
Free plan with cards
Ramp Free includes unlimited physical and virtual cards, receipt matching and QuickBooks Online and Xero sync at $0 per user.
Evidence: Free plan: Yes
Receipts at the point of sale
A card swipe captures the receipt and fills memos and categories; employees finish by SMS, Slack or Teams.
Evidence: Key features: Receipt captured and memo filled as soon as the card is swiped, Expenses submitted by SMS, Slack or Microsoft Teams, Policy agent reviews every expense and flags exceptions, Cards lock automatically when receipts are missing (Plus), Mileage calculated through Google Maps, Unlimited physical and virtual cards
Policy review on every expense
The policy agent reviews all expenses, approves compliant ones and flags the rest with an audit trail.
Evidence: AI features: Policy agent that reviews and approves in-policy expenses, AI coding of accounting fields (Plus), Recommended actions on spend requests
Broad ERP coverage
Ramp lists 40+ accounting systems, including NetSuite, Sage Intacct, Workday Financials and Microsoft Dynamics 365.
Evidence: Notable integrations: NetSuite, Sage Intacct, Xero, QuickBooks, Workday Financials, Microsoft Dynamics 365, Oracle Fusion Cloud, Acumatica
Weaknesses
Plus fee not published
Plus adds a platform fee based on team size whose amount is not on the pricing page.
Evidence: Extra costs: Plus adds a platform fee based on team size (amount not published), Procurement is an add-on to Plus or Enterprise
Built around Ramp cards
Receipt capture at swipe and card locking work on Ramp's own cards; it is less suited to companies that want to keep another card program.
Evidence: Key features: Receipt captured and memo filled as soon as the card is swiped, Expenses submitted by SMS, Slack or Microsoft Teams, Policy agent reviews every expense and flags exceptions, Cards lock automatically when receipts are missing (Plus), Mileage calculated through Google Maps, Unlimited physical and virtual cards
Price at a glance
Starting price per user
$0/user/mo
Pricing model
Per user
Price transparency
Partly published
Free trial
Yes
Free plan
Yes
Contract term
Monthly
Ramp cost at 10 to 100 users
- Published starting price$0/user/mo
| Users | Published starting price |
|---|---|
| 10 | $0/mo |
| 25 | $0/mo |
| 50 | $0/mo |
| 100 | $0/mo |
The published starting price only: plan tiers, add-ons and other products are quoted on top.
Quick answers
- How much does Ramp cost?
- Ramp Free costs $0 per user. Plus is $15 per user a month plus a platform fee based on team size, with 20% off on annual billing, and Enterprise is custom.
- Is Ramp really free?
- Yes. Ramp Free includes corporate cards, expense submission by SMS or Slack, receipt matching and QuickBooks Online or Xero sync.Based on Free plan: Yes
- Does Ramp integrate with NetSuite?
- Yes, on Plus and Enterprise. The Free plan includes QuickBooks Online and Xero.
- Can Ramp reimburse employees abroad?
- Yes. Ramp reimburses employees in more than 70 countries and 40 currencies, paid in two days or less in local currency.Based on Countries supported: Reimbursements in more than 70 countries and 40 currencies
Coverage of core expense management capabilities
Each core capability we evaluate in Expense Management, checked against Ramp’s own documentation. “Not verified yet” means we have not confirmed it either way, not that it is missing.
9 verified of 10 core capabilities
Expense Management
- Receipt capture
- Expense reports · not verified yet
- Policy enforcement
- Approval workflows
- Company card reconciliation
- Mileage and per diem
- Reimbursement payments
- Accounting and ERP sync
- Multi-currency and multi-entity
- Audit trail
Specifications
Fit
- Countries supported
- Reimbursements in more than 70 countries and 40 currencies
Product
- Modules
- Corporate cards, Expense management, Travel, Accounts payable, Accounts receivable, Procurement, Business banking
- Mobile apps
- iOS, Android
- AI features
- Policy agent that reviews and approves in-policy expenses, AI coding of accounting fields (Plus), Recommended actions on spend requests
Integrations
- Open API
- Yes
- API type
- REST
Support
- Support channels
- Chat, email, phone, 24/7 phone support for travel bookings (Plus), dedicated account manager (Enterprise)
Ramp integrations
7 integrations we documented, by how they connect. Ramp reports 200 native integrations in total.
Native integrations
Ramp integration coverage
The 7 apps that expense management products document most often, and whether Ramp documents each.
6 of the 7 most-connected apps documented by Ramp; median of the 9 products compared: 3
- QuickBooks · documented by 8 of 9
- NetSuite · documented by 7 of 9
- Xero · documented by 7 of 9
- Sage Intacct · documented by 4 of 9
- Sage · documented by 2 of 9
- Slack · documented by 2 of 9
- Workday · documented by 2 of 9
Integrations each vendor documents (native, marketplace, Zapier or API), 9 live expense management products. Not documented does not mean not possible.
Where it ranks
- #1 of 8 scoredExpense Management
- #1 of 7 scoredExpense Management for Enterprises
- #2 of 8 scoredExpense Management for Mid-Sized Companies
- #2 of 8 scoredExpense Management for Small Business
- #1 of 3 scoredExpense Management for Startups
Ramp alternatives
Navan93% similar
Compare Ramp
Security and compliance
- SOC 2 Type IIYes
- Single sign-onOkta, Google, Microsoft Azure
- SCIM provisioningYes
About Ramp Business Corporation
- Founded
- 2019
- Headquarters
- New York, New York, US
- Ownership
- Private
Official profiles
Ramp: frequently asked questions
Is Ramp SOC 2 compliant?
Yes. Ramp is audited every year under SOC 2 Type II and follows PCI security standards for card data.
Does Ramp support single sign-on?
Yes, with Okta, Google and Microsoft Azure, plus SCIM provisioning.
Is Ramp legit?
Ramp is sold by Ramp Business Corporation, which was founded in 2019, is headquartered in New York, New York, US, and is privately held. Ramp Business Corporation states that it holds a current SOC 2 Type II report.
What are the best alternatives to Ramp?
In our expense management ranking, the highest-scored products other than Ramp are Zoho Expense, Expensify, and BILL Spend & Expense. Compared side by side, by reason to switch: Ramp alternatives.
Which is better, Ramp or Expensify?
It depends on the team. Choose Ramp if: you want corporate cards, expense capture and receipt matching for $0 a user. Choose Expensify if: you want to keep your current corporate cards: Expensify imports them from 10k+ banks. The full comparison: Ramp vs Expensify.
What are the pros and cons of Ramp?
Strengths documented on the vendor’s own pages: free plan with cards, receipts at the point of sale, and policy review on every expense. It is less suited to buyers who want a full Plus price before talking to sales: the platform fee is not published and companies that want to keep their current corporate cards rather than move spend to Ramp cards.
Does Ramp have an API?
Yes. Ramp offers an open API (REST) to customers.
Does Ramp have a mobile app?
Yes. Ramp lists mobile apps: iOS, Android.
Is Ramp right for your team?
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