Ramp
Corporate cards and spend management run by AI agents
Overview
Ramp's AI agents review expenses against your written policy, auto-code transactions and bill line items, recommend approvals and flag fraud, alongside price intelligence on vendor contracts and AI Token Spend Management for model-provider bills. The core platform is free; Ramp Plus adds deeper AI automation and ERP integrations. Available to businesses registered in the US, Canada and UK.
Pricing
Pricing shown for reference only. These figures reflect RECATOOLS research as of 12 Oct 2026 and may be out of date or incomplete. This is not financial or purchasing advice — always confirm the current price on the provider’s official website before making any decision.
- Unlimited virtual and physical cards
- OCR invoice capture
- Slack and SMS expense flows
- QuickBooks and Xero sync
- AI expense review and compliance checks
- Auto-coded AP line items
- NetSuite and Sage Intacct sync
- Multi-entity support
- Dedicated customer success manager
- Card issuing in 30+ countries
- Workday and Oracle Fusion integrations
- Custom implementation
Use cases
What you can produce with Ramp
- Unlimited physical and virtual cards on the free plan
- AI agents that review expenses against your written policy
- Auto-coded transactions and bill line items
- OCR invoice capture instead of manual entry
- AI token spend tracked across model providers by team and key
- Expense approvals from Slack or SMS
Ramp is one of the largest US spend-management platforms, and its AI does real work: agents check expenses against policy, code transactions, recommend approvals and flag fraud, and newer tools track AI token spend across providers. The free plan is substantial, and Plus at $15 per user a month plus a platform fee adds most of the automation.
Bill Pay now charges per ACH and cheque payment unless you pay from a Ramp account, and Trustpilot reviewers are far less positive than Ramp's marketing. The decisive limit here is eligibility: only US, Canadian and UK businesses can sign up.
What we found
Ramp is a New York finance-operations company that combines corporate cards with expense management, bill pay, procurement, accounting sync and treasury. Its AI layer is what this entry covers: agents that review expenses against a written policy, code transactions and bill line items, recommend approvals and flag fraud, plus price intelligence on vendor contracts. Ramp introduced its first controller-style agents in July 2025 and added AI Token Spend Management in July 2026, a dashboard that maps spending with model providers to teams and keys. In August 2026 it opened Router.com, a model-routing API for developers.
The core platform is free per user. Ramp Plus lists at $15 per user a month plus a platform fee based on team size, with 20 per cent off for annual billing, and adds AI-driven expense reviews, auto-coded line items, batch payments and NetSuite or Sage Intacct sync. Enterprise is quoted and adds local-currency card issuing in more than 30 countries. Bill Pay is not entirely free: since 1 June 2026 standard ACH payments cost $0.59 and cheques $1.99 each, waived when paid from a Ramp account.
Scale is not in question. In June 2026 Ramp raised $750 million at a $44 billion valuation and reported more than $1 billion in annualised revenue, over 70,000 customers and $200 billion in annualised purchase volume, all company figures.
Customer opinion is more mixed. Ramp advertises thousands of five-star reviews, but on Trustpilot, with 214 reviews on 12 October 2026, its score was 2.3. Earlier versions of this page gave a higher score and described a specific billing incident that we could not trace to any source, so both have been removed.
Geography decides most of this for readers in the region. Ramp onboards businesses registered in the United States, Canada and, since September 2026, the United Kingdom. A Singapore, Malaysian or Indonesian company without one of those entities cannot sign up, so for most of Southeast Asia this is a product to watch rather than buy.
Compiled by RECATOOLS from public sources: vendor documentation and pricing, code repositories and published reporting.
Notable facts
- Ramp grew from $0 to $100 million ARR in 18 months, the fastest ever for a corporate card company.
- The AI price intelligence feature has saved customers money by identifying that they were paying above-market rates for AWS, Google Cloud, and other vendor contracts.
- Ramp's AI can predict which expense reports will be flagged for policy violations before the employee submits them, reducing the back-and-forth of expense rejection.
Frequently asked questions
About this listing
This entry was compiled from publicly available data including Ramp's official website, press releases, documentation, and reputable third-party publications. RECATOOLS is not affiliated with Ramp unless explicitly stated.
Third-party AI tools update their pricing, features, availability, and policies frequently. Information here may be outdated by the time you read this — we make reasonable efforts to keep listings current, but cannot guarantee absolute accuracy.
For the latest details, please refer to Ramp directly →
Spotted something out of date? Suggest an update →
Alternatives to Ramp
More in Business & Finance
