Ramp review (2026): features, pros and cons, pricing
Corporate card and spend platform with a free tier and a paid Plus plan, where purchase orders come from a Procurement add-on.
Verdict at a glance
Ramp is a corporate card and spend platform with a free tier and a paid Plus plan. It combines cards, expenses and accounts payable in one tool, with automatic receipt matching and integrations for QuickBooks, Xero, NetSuite and Sage Intacct.
Pros
- Easy expense reporting and automatic receipt matching with real-time alerts.
- Accounting integrations (QuickBooks, Xero, NetSuite) save time at month end close.
- Helpful and responsive customer support in many reviews.
Cons
- Support can be slow to resolve issues and hard to reach a person in some reviews.
- Card-first model: fraud handling can mean replacing the card; sudden limit decisions reported.
- Occasional accounting integration snags, especially QuickBooks rules and memos.
What is Ramp?
Corporate card and spend platform with a free tier and a paid Plus plan, where purchase orders come from a Procurement add-on. It is built for companies that want cards, expenses and AP in one tool and are fine adopting its card and teams that want a free entry tier with QuickBooks Online or Xero. Ramp was founded in 2019 and is based in New York, US.
Category: Expense Management Software, Purchase Order and Approval Software
Ramp key features
| Feature | What we found |
|---|---|
| Approval workflows and policy controls | Approval workflows on Plus. |
| Corporate cards | Corporate card included on all plans. |
| Accounting integrations | Free: QuickBooks Online, Xero. Plus: NetSuite, Sage Intacct. Enterprise: Workday, Oracle Fusion. |
| Reimbursements and payments | 1099 filing $0.65 per IRS filing, free state filing. |
| Travel and mileage tracking | 24/7 phone support for travel bookings on Plus. |
| PO creation and approval | Procurement add-on: PO management, custom intake. |
| Budget control | Budget vs actual tracking on Plus and Enterprise. |
| Invoice matching | 3-way match against imported POs and item receipts under AP; also against Ramp POs with procurement; plan tier not clear. |
| Trial / free tier | Free tier plus 30-day Plus trial. |
Ramp pricing
Ramp has three tiers. Free costs $0 and includes the corporate card, basic expense and AP, and QuickBooks Online and Xero. Plus costs $15 per user per month plus a platform fee that depends on team size, and Ramp does not publish that fee. Annual billing takes 20% off, and Plus has a 30-day free trial. Enterprise is custom and billed annually. Add-ons include Procurement for purchase orders on Plus or Enterprise, an Accounts Receivable add-on, and 1099 filing at $0.65 per IRS filing, with state filing free.
| Plan | Price | Unit | Notes |
|---|---|---|---|
| Free | $0 | per user per month | Corporate card, basic expense and AP, QuickBooks Online and Xero |
| Plus | $15 | per user per month plus platform fee by team size | Budget vs actual, approval workflows, NetSuite and Sage Intacct; 20% off annual; 30-day free trial |
| Enterprise | Custom | Workday, Oracle Fusion; annual billing |
Procurement (PO management, custom intake, card to PO matching) is an add-on on Plus or Enterprise.
Who Ramp is best for
Best for
- Companies that want cards, expenses and AP in one tool and are fine adopting its card.
- Teams that want a free entry tier with QuickBooks Online or Xero.
Not ideal for
- Teams that need PO management without the Plus plan (Procurement is Plus or Enterprise only)
- Buyers who want a standalone procurement tool unconnected to a card program.
Ramp alternatives
StampliFinance teams that want invoice approval and PO controls on top of an existing ERP.
PrecoroSmall teams that want PO approvals with 2- and 3-way matching at a published price.
ProcurifyMid-size companies that need PO and approval control tied to budgets.
ZipMid-market and enterprise teams routing all spend requests through one intake.
TipaltiMid-market finance teams with high invoice and payee volumes, especially international.
BrexStartups and mid-size companies that want cards plus expenses on one platform.
What Ramp really costs
- Per seat per month
- $15 per user per month on Plus (plus platform fee by team size, amount not published)
- Billing
- Monthly and annual.
- Annual discount
- 20% off with annual billing.
- 20 users per year
- Not computable: platform fee not published (users alone: 20 x $15 x 12 = $3,600 per year before the fee and annual discount)
Add-ons and extras to budget for
- Procurement add-on on Plus/Enterprise.
- Accounts Receivable add-on.
- 1099 filing $0.65 per IRS filing.
Questions to ask about price
- Is there a minimum number of seats or a minimum annual spend?
- How much can the price rise at renewal, and is the increase capped in the contract?
- Are there one-time costs for implementation, onboarding or data migration?
Is Ramp worth the price?
A strong fit for a small team on QuickBooks Online or Xero that wants cards, expenses and AP in one place at no software fee. It gets more expensive once you need approval workflows, budget versus actual tracking or purchase orders, which means Plus and then the Procurement add-on. For 20 users, the user fees alone are $3,600 per year before the platform fee and the annual discount, so a full quote is needed.
Worth it if
- Companies that want cards, expenses and AP in one tool and are fine adopting its card.
- Teams that want a free entry tier with QuickBooks Online or Xero.
Look elsewhere if
- Teams that need PO management without the Plus plan (Procurement is Plus or Enterprise only)
- Buyers who want a standalone procurement tool unconnected to a card program.
Cheaper per seat than Ramp
Pricing details most reviews leave out
- PO functions are a paid add-on and need Plus, so the $0 tier has no purchase orders.
- Plus fee has a platform component based on team size that the page does not quantify.
- ERP depth rises by tier: NetSuite and Sage Intacct only from Plus, Workday and Oracle from Enterprise.
- Procurement can match card transactions to POs, tying approval to actual spend.
- GetApp France comparison (a Gartner Digital Markets site) shows 4.9/5 from 220 reviews.
Ramp compared
Our verdict on Ramp
Ramp is a corporate card and spend platform with a free tier, which makes the entry cost unusually low. Free covers the corporate card, basic expense and AP, and QuickBooks Online or Xero. Plus costs $15 per user per month plus a platform fee set by team size, and that fee amount is not published. G2 shows 4.8 out of 5 from 2,492 reviews.
Ramp is good value for companies happy to adopt its card as the center of spend. It gets awkward when you need purchase orders, because Procurement is an add-on available only on Plus or Enterprise, so the $0 tier has none. ERP depth also rises by tier: NetSuite and Sage Intacct come with Plus, Workday and Oracle Fusion with Enterprise.
Ramp FAQ
What is Ramp used for?
Ramp is a corporate card and spend platform with a free tier and a paid Plus plan. It combines cards, expenses and accounts payable in one tool, with automatic receipt matching and integrations for QuickBooks, Xero, NetSuite and Sage Intacct. It suits companies that want cards, expenses and AP in one tool and are fine adopting its card.
Does Ramp have a free plan?
Yes. The Free tier costs $0 and includes the corporate card, basic expense and AP, and QuickBooks Online and Xero. It does not include purchase orders or NetSuite and Sage Intacct.
How much does Ramp cost for 20 users?
On Plus, user fees alone are 20 x $15 x 12, or $3,600 per year, before the annual discount and the platform fee. Ramp does not publish the platform fee, so the full number requires a quote.
Are purchase orders included in Ramp?
No. Procurement, which covers PO management and custom intake, is an add-on that requires Plus or Enterprise. The $0 tier has no purchase orders.
About Ramp
- Founded
- 2019.
- Headquarters
- New York, US.
- Employees
- 1,200 (2025, Wikipedia) to 2,565 (TipRanks, July 2026)
- Funding or owner
- Reported $44B valuation June 2026; October 2026 press reports a raise near $60B (unconfirmed by company)
Listed in: Expense Management Software, Purchase Order and Approval Software
Sources
Every fact on this page comes from Ramp's own pricing, product or documentation pages, G2 and company records, checked on October 24, 2026. Unknown values are left out instead of estimated.