Ramp
FreemiumCorporate cards and spend management that save companies 5% on average
💳Accounts Payable & ReceivableAbout Ramp
Ramp combines corporate cards with expense management, bill pay, and accounting automation. It automatically categorizes expenses, enforces spending policies, and identifies duplicate subscriptions. Ramp claims to save companies an average of 5% on total spend. The platform is free — Ramp makes money from interchange fees. Best for startups and mid-market companies wanting modern spend management.
What's Great
- ✓Completely free — no monthly fees, annual fees, or hidden charges
- ✓AI-powered duplicate subscription detection saves money automatically
- ✓Real-time spend controls and policy enforcement per card
- ✓Automatic receipt matching and expense categorization
- ✓1.5% cash back on all purchases
Watch Out For
- !Requires a minimum cash balance or revenue to qualify
- !Corporate card limits based on cash deposits, not credit history
- !Limited international card acceptance compared to major banks
- !Bill pay features are less mature than dedicated AP tools like BILL
Common Use Cases
Startup issuing virtual cards with per-vendor spending limits for each team
Finance team using AI to find and cancel duplicate SaaS subscriptions
Growing company replacing manual expense reports with automatic categorization
Pricing Model
Freemium
Free plan available. Paid plans unlock advanced features and higher limits.
Category
Accounts Payable & Receivable
Automate bill pay, vendor management, and collections workflows.
Tags
More Accounts Payable & Receivable Tools
See all →BILL
Automate accounts payable and receivable to save your finance team hours
Tipalti
End-to-end payables automation for high-growth and global businesses
Brex
Financial stack for growing companies — cards, banking, and spend management
Divvy
Free expense management and virtual cards now part of BILL