Ramp
Verified Oct 15, 2026 ActiveCorporate cards, expenses, bill pay and travel on a free core plan, with AI review on the paid tier
Listed on EffectHub ·
Pricing
- Pricing model
- Freemium
- Paid options from
- $15/seat/mo
- Billing
- Per seat, monthly
Ramp is $0 per user per month and covers cards, expenses, bill pay, travel and QuickBooks/Xero sync. Plus is $15 per user per month plus a platform fee based on team size, 20% off on annual billing, with a 30-day free trial. Enterprise is custom on annual billing. Procurement is an add-on to Plus and Enterprise; 1099 filing costs $0.65 per IRS filing.
Use tool ↗About Ramp
Ramp issues corporate cards and runs expense capture, bill pay, travel booking and accounting sync from one account, with the core plan free and the company earning on card interchange. Receipts come in by SMS or Slack, invoices are read by OCR, and the Plus tier adds AI expense reviews, automatic card locking when a policy is unmet, approval recommendations and NetSuite or Sage Intacct sync. The business checking account pays 2% APY and an investment option is advertised at 4.66%. Enterprise adds Workday and Oracle integrations, local-currency cards in 30+ countries and custom development. Apps exist for iOS and Android and there is a developer API.
- API
- Yes
- Last verified
- Oct 15, 2026
Verified sources
- Free plan $0/mo/user with unlimited cards, travel, SMS/Slack expense capture, bill pay, invoice OCR, QuickBooks Online and Xero, 2% APY checking; Plus $15/mo/user plus a platform fee based on team size, 'Save 20% with annual billing', AI expense reviews, auto card locking, NetSuite and Sage Intacct, audit log, 30-day free trial; Enterprise custom on annual billing with Workday, Oracle, local-currency cards in 30+ countries; 1099 filing $0.65 (15 October 2026)ramp.com ↗
- Procurement sold as an add-on to Plus and Enterprise; accounts-receivable features require an AR add-on (15 October 2026)ramp.com ↗
Is Ramp legit?
We don’t label tools safe or unsafe. Below are the records we checked ourselves, each with the date we read it.
- Domain registered
- Mar 14, 1994 (32 years ago)Registry record (RDAP), registrar Cloudflare, Inc., looked up Sep 6, 2026
- TLS certificate
- Issued by Google Trust Services, valid until Dec 27, 2026Seen in our own connection to the site on Oct 15, 2026
- Last checked
- Oct 15, 2026The site answered
- Operated by
- Ramp, United StatesOur research, card verified Oct 15, 2026
Pros & cons of Ramp
For a US company that will put spend on the card, Ramp's free tier is the real product: cards, expense capture, bill pay and QuickBooks sync for nothing, paid for by interchange. The AI parts — expense review, auto-locking cards, approval suggestions — sit on Plus at $15 a seat plus a platform fee that the pricing page does not quantify, so get that number before comparing with Brex. Non-US entities and firms that cannot route spend through Ramp cards get far less from it.
Pros
- Core plan is $0 per user with unlimited cards, bill pay, travel and accounting sync
- AI expense review and automatic card locking enforce policy before money leaves
- Business checking at 2% APY and a 30-day trial of Plus
- iOS and Android apps plus a developer API
Cons
- Plus carries an unquantified platform fee on top of $15 per user
- NetSuite and Sage Intacct sync, multi-entity and audit log all require Plus
- Local-currency cards and Workday or Oracle integrations are Enterprise-only
- Procurement and accounts-receivable features are paid add-ons
Best for
- US startups and mid-size companies consolidating cards, expenses and bill pay
- Finance teams that want policy enforcement at the card rather than after the fact
- Companies on QuickBooks, Xero, NetSuite or Sage Intacct wanting automatic coding
Not for
- Companies outside the US, where card issuing is limited to the Enterprise tier
- Teams that only need expense reports without moving spend onto Ramp cards
Watch out: The Plus price is '$15 per user plus a platform fee based on team size' — the fee is not on the page, so the quoted per-seat figure understates the bill.
Alternatives to Ramp
Ramp head-to-head
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