Ramp

Ramp is a spend management platform that combines corporate cards, expense management, accounts payable, travel booking, procurement, and accounting automation in one system. Cards are issued as physical or virtual Visa cards with no personal credit check and no personal guarantee, and limits set by vendor, category, and amount block out-of-policy spend at the swipe.

Expenses are captured at the card swipe, with receipts submitted by SMS, Slack, Microsoft Teams, or the mobile app, and reimbursements paid to employee bank accounts within one to two business days. Invoices are read by OCR, matched two-way or three-way against purchase orders and receipts, routed for approval, and paid by ACH, same-day ACH, card, check, or wire, with no processing fee on domestic ACH, checks, and card payments.

Ramp syncs both ways with QuickBooks Online, Xero, NetSuite, Sage Intacct, Workday, and Oracle, coding transactions to GL accounts and supporting multiple entities with entity-level restrictions. It also offers an FDIC-insured business account with no minimum balance or maintenance fees. The company says it is used by more than 70,000 businesses and that implementation takes 30 days or less.

Pricing is a free tier, Plus at $15 per user per month plus a platform fee, and custom Enterprise pricing. NetSuite and Sage Intacct integrations, line-item auto-coding, and multi-entity support begin at Plus, so check which tier carries the integration your books actually need.