A month of AP done in minutes.

Process bills, accelerate approvals, and manage cash flow 2.4x faster than legacy software.

AI-powered Invoice Processing

Ramp’s OCR captures each detail and line item with 99% accuracy. AI agent codes everything for you, learns from past invoices, and applies your logic instantly. Fraud and overbilling are caught instantly with 2-way and 3-way matching. Data is synced in real time with your ERP.

• OCR invoice capture (99% accuracy)
• AI auto-coding
• Fraud and overbilling detection
• Real-time ERP sync

Approval Orchestration

Customizable approval flows, AI recommendations for approvals, and role-based permissions to avoid errors and maintain separation of duty.

• Automatic routing to right approver
• AI approval recommendations
• Role and permission management

Payments

Earn cashback with no extra steps. Pay any vendor globally by card, ACH, or wire. Batch payments for efficiency.

• Cashback on eligible payments
• Global payments (card, ACH, wire)
• Batch payments

FAQ

Comprehensive answers to common questions about Ramp Bill Pay, payment options, process, recurring payments, vendor management, reporting, integrations, and pricing.

Reimagine expense management without the busywork.

Automated expense management software built into your corporate card, reimbursements, and more.

Let Ramp capture receipts, fill memos, and approve in real time.

Free your team from manual work. Ramp automates the capture of receipts, memos, and approvals.

Control spend before it happens.

Give employees cards with policies built in, so you can prevent unapproved spend.

• Set submission requirements
• Enforce spend limits
• Block risky merchants or categories before spend happens

Automate spend setup at scale.

Ramp creates reusable spend templates for recurring funds, based on your policies, to prefill the right limits, approvals, and controls, so issuing takes just one click.

Speed up spend approvals with recommended actions.

All spend requests come with a recommended action grounded in your policies, budgets, and funds, so you can approve or reject in seconds.

Eliminate manual expense reporting.

Free employees to do their job without expenses getting in their way.

Expenses handled automatically.

As soon as you swipe your card, Ramp captures the receipt and fills in memos and categories. Make edits and submit via SMS, Slack, or Microsoft Teams.

Your finance assistant, always on.

Chat with Ramp to ask what’s in policy, request funds, or resolve card issues - all in natural language as you would a teammate.

Let Ramp review and reconcile your expenses.

Scale your team by automating routine work and get time back to focus on strategic work.

• Policy agent reviews 100% of your expenses
• Approves what’s compliant
• Flags only what needs your attention
• Full audit trail

Set policies that evolve over time.

Ramp makes your policies dynamic and easy to refine — highlighting gaps and ambiguities so reviews are clearer and employees always know what’s in policy.

Enforce policies without the hassle.

Ramp handles employee reminders, requests missing details, processes repayment, and even locks cards so you don’t have to play bad cop.

Reliably sync with your ERP.

Ramp maps, codes, and syncs every transaction directly to your ERP, speeding up close and cutting out manual work.

Make strategic decisions with real-time expense reporting.

Instantly access spend data and insight to save money for your business.

Stay ahead of overspend.

Track spend against set budgets with real-time tracking and proactive alerts across cards, bills, and procurement.

Spot risky behaviors before they become issues.

See exactly where overspending and policy drift are happening across cardholders, teams, and departments.

Get instant answers on spend.

In addition to pre-built dashboards, ask Ramp data questions in natural language on spend by team, vendor, or cardholder.

Intake in an instant.

Ramp’s AI kicks off the cycle for you, and cuts out manual work. Just drop in a contract or screenshot. Ramp's AI parses through the details and fills out the request form accordingly, so you don’t have to.

Route approvals to the right place.

Let Ramp get approvals in parallel, based on your preferred rules. Requesting new software? It’s already with IT.

All the context. None of the back and forth.

Skip the endless meetings. Centralize requests, discussions, and documents in one place.

Audit-proof your process.

Only pay for what you asked for—Ramp reconciles everything for you.

Know your committed spend.

Automatically generate purchase orders to get a clear line of sight into upcoming invoices.

Don’t get overbilled a cent.

Ramp instantly matches invoices to purchase orders and flags discrepancies in units, prices, or totals. Set thresholds or automatically block payments when mismatches occur.

Triple checks, zero losses.

Get the ultimate protection against fraud and errors. Our automated three-way match validates your invoices against purchase orders and item receipts.

Process all your AP in minutes.

Automate invoice processing, collect payment and tax information, and pay vendors however you’d like.

Sit back. Ramp finds savings for you.

No more overlapping services or unused software. Get insights to boost your bottom line.

Get the absolute best deal.

Benchmark quotes against thousands of real, anonymized transactions to negotiate confidently and secure the lowest price.

Stay ahead of renewals.

Easily detect overlapping services and get alerted of upcoming renewals with a consolidated vendor view.

Never pay for an inactive seat.

Connect Okta to surface software usage and identify inactive users to cut costs.

You name it, we work with it.

Approve requests directly in Slack, conduct seamless contract reviews with Ironclad, and sync or import purchase orders with NetSuite, plus more integrations. It’s that simple.

A corporate card designed for modern finance.

Save money and time. All with one corporate card. Save more by preventing out-of-policy spend. Preset controls on corporate cards for specific vendors and categories. Be free from expense reports. Easily submit expenses through SMS, mobile app, and integrations. Unlock savings in real time. Get insight into spend as it happens, with a platform that pays off immediately. Grow your business with the right terms. Get rewards and perks, and up to 5% savings. There’s no personal credit checks or personal guarantee.

• Preset controls for vendors and categories
• No personal credit checks or guarantees
• Real-time spend insights
• Rewards and perks

Build control into the card, before spend even happens.

Create custom virtual cards and set permissions for everything from ad marketplace spend to remote work stipends, for individual teams or your whole company. Add restrictions to automatically prevent specific categories and merchants. Questionable vendors are always automatically flagged for approval.

• Custom virtual cards
• Permissions by team or spend type
• Automatic restrictions and flagging

More visibility, more time back.

Create personalized workflows that only notify the right people, based on spend amount or team role, and keep visibility high. Let Ramp send reminders for missing items or request repayments for you. Spend less time chasing down receipts and more time closing your books.

• Personalized approval workflows
• Automated reminders and repayments

Effortless expenses for employees (and managers).

Ramp automatically finishes expenses for you by routing transactions to the right limits, generating receipts for purchases, and saving recurring memos. You can send receipts with an SMS, via mobile app, or auto-route through smart integrations like Gmail, Lyft, and Amazon.

• Automatic expense completion
• Receipt submission via SMS, app, or integrations

Automation, control, and rewards in one place.

Get money back in your pocket, so you can invest even more in growth—or bring your cash back right into the platform. Over $350k in partner offers. From accounting providers to travel services, get top deals and discounts, and sign-up offers to better run your business.

• Cashback rewards
• Partner offers and discounts

No personal credit checks

No impact to your personal credit score. Credit limit based on financial factors such as revenue or dollars raised. Corporate charge card with 30-day payback.

• No personal credit check
• Credit limit based on business financials
• 30-day payback

Easy, secure payments

Unlimited physical and virtual cards. Runs on the Visa network. Apple and Google Pay compatible. Enhanced security with 3DS enrollment, SSO logins, and others.

• Unlimited cards
• Visa network
• Apple/Google Pay
• Enhanced security

Works wherever you go

Acceptance in 200+ countries through the Visa global network. Local issuing and debiting in 33 countries. Reimburse in 70 countries and 40 currencies.

• Global acceptance
• Local issuing in 33 countries
• Reimbursements in 70 countries/40 currencies

Seamlessly integrates with your existing tools.

Streamline your finance operations by integrating Ramp with your existing apps.

• Integrations with accounting, travel, and business tools

A single, holistic view of your vendors

Track all your vendor data and discover pricing insights in one convenient place.

Uncover spend insights

Easily search and filter your data to find ways to cut costs. Ramp automatically tracks transactions for every business you pay, so you can quickly analyze your spend and discover insights.

Instantly record contract details

Get full visibility without any data entry. Ramp extracts key contract details, from SKU name to start and end dates.

Renewal reminders

Never get caught off guard. Get an automatic 60 and 30-day reminder before contracts come up for renewal.

Track data unique to your business

Use custom fields to structure and personalize the information you track about your vendors.

Know your SaaS usage to drive down costs

Ramp’s Seat Intelligence lets you connect Okta to surface software usage trends, identify inactive users, and leverage data to reduce costs. Early Access available.

Get the best price on software

Price Intelligence uses millions of Ramp transactions to help you understand whether you are paying too much for software.

• Crowd-sourced data: Know exactly how much software should cost without having to ask your network. Ramp’s data is sourced from real transactions.
• Instantly compare: Upload a contract and Ramp will benchmark your price so you immediately know if you’re getting a good deal.
• Cost-per-user detail: Understand the cost per user price across multiple software SKUs for more successful negotiations.

Smarter business travel, from booking to book close.

Book flights and hotels at the lowest rates, automatically enforce customizable travel policies, and automate expenses throughout a trip—all from one platform.

Custom travel policies, built right in

Keep expenses in check as your business expands.

• Customize guardrails to prevent out-of-policy spend, from per-diems to hotel rates.
• Create flexible controls based on market rate.

Speed up approvals while staying compliant.

Set smart workflows for Ramp to loop in the right approvers based on team, amount, GL code, and more.

Incentivize employees to spend less.

Opt to split savings with employees that book more cost-effective options.

Effortless business travel that’s always in policy.

Designed to make saving easier.

Simplify business travel for all.

Ramp Travel is intuitive for employees, with clear in-policy booking options and seamless expense management.

Secure up to 50% savings.

Choose from Priceline's flight and hotel inventory, with no platform booking fees.

Book with any travel platform or provider

Buy flights or hotels on any platform—Ramp will check bookings against your policy, match them to your trip, and automatically categorize them, too.

Focus on your trip, not expense reports.

Ramp collects and matches receipts across all transactions, and routes to the right budget and category. It instantly generates receipts for certain purchases, and saves recurring memos.

Oversee travel spend as it happens.

Close the books without delays.

Act in the moment, not a month later.

Get a real-time view of all company spend to spot trends and prevent out-of-policy transactions.

Fast-track book close.

Automatically flag out-of-policy expenses for review to keep your business compliant. Easily send approved details into your ERP.

See Ramp Travel in action

Centralize travel, expenses, and more — all on one intuitive platform

• Expense management: Automate expense management with Ramp’s corporate card, reimbursements, and more.
• Accounts payable: Automate your entire accounts payable workflow to record, approve, and pay every bill without any data entry or repetitive tasks.
• Vendor management: Track all your vendor data and discover pricing insights in one convenient place.
• Procurement: Intake-to-pay simplified and automated every step of the way.
• Integrations: Seamless automation and direct integrations for audit-proof accounting.

Smarter spend management software for total control.

From cards to reimbursements, track, analyze, and reduce company spend with powerful automation and built-in controls.

• Spend controls that work automatically: Set guardrails once to manage budgets, control vendor spend, and prevent off-policy purchases.
• Expenses that handle themselves: Receipts match, expenses reconcile, and reimbursements close automatically.
• See spend in real time: Get instant visibility across every card, vendor, and department.

Every dollar, managed in one platform.

Cards, reimbursements, and bill payments all flow through Ramp, giving your finance team total visibility and control in one place.

• Eliminate scattered tools and manual tracking.
• Manage company spend from end to end.

Automation that saves you time every month.

Ramp takes care of the manual work you shouldn’t have to do. Receipts match automatically, transactions categorize themselves, and accounting data syncs in real time.

• Close the books faster.
• Focus on analysis, not admin work.

Intelligence that works for you.

Ramp Intelligence continuously reviews spend to help you catch waste, duplicate vendors, and off-policy purchases before they add up.

• Built-in finance partner for proactive control.

Share funds across teams while keeping control.

Create shared funds in seconds with unique virtual cards for every member. Owners and co-owners can manage access, track spend, and enforce policies automatically.

• Keep shared budgets organized and compliant.

Integrate with the tools you already use.

Ramp connects seamlessly with your existing systems—from QuickBooks and NetSuite to Workday and Xero—so your data stays accurate across every workflow.

• Spend less time moving files and more time improving results.

Smarter insights. Scalable control.

Ramp keeps spend under control around the clock. Policies are enforced automatically, employees get proactive guidance from AI agents, and finance teams gain 24/7 visibility into spend trends, compliance risks, and policy gaps.

• 24/7 visibility into spend trends, compliance risks, and policy gaps.

Meet your next million hires.

Ramp’s AI agents multiply your output, not your headcount. Over 50,000 finance teams are already living in the future.

AI built for finance.

Developed by CFOs and controllers, Ramp's AI agents are refined through patterns and learnings from over 50,000 Ramp customers. Ramp gives you infinite teammates who work around the clock—flagging fraud, coding expenses, and enforcing policy. Like any good hire, Ramp agents get smarter over time. Reviewing their actions and giving feedback makes them more effective. Our agents understand when to take initiative, and when to step back. If it’s suspicious, you’ll always be looped in.

• Autonomous and ready to work
• Trained on your policy and controls
• Knows when to act, and when to ask

Your policy, auto-enforced.

Let the agent handle low-risk and routine approvals. Any risky or ambiguous transactions are flagged to you, fast. Employees can text our agent directly with questions. No more interrupting your day for 'Can I expense this?' emails.

• Approves when it’s safe. Escalates when it’s not.
• Answers 'is this in policy?' with a text.

Know exactly what you’re paying for, and why.

Ramp’s agent pulls context across expenses and invoices, so approvers can review everything in one place. Anything suspicious gets flagged to you before payment.

Shows you what’s working. Tells you what’s not.

Your compliance dashboard gives you a pulse-check on policy violations, bottlenecks from reviews, and worrisome employee spending patterns.

Continuous improvement, built into your policy.

Ramp’s agents learn from your company’s spend patterns—flagging issues and surfacing insights to improve your policies over time.

Savings, found for you.

Ramp agents scan transactions in real-time for anomalies and AI-generated fakes. Threats are flagged instantly, helping you prevent fraudulent transactions. Protect yourself against costly errors. Our automated three-way match validates your invoices against purchase orders and item receipts. See how your quote stacks up against over 50,000 businesses. Ramp uses millions of anonymized transactions to give you a better seat at the table. Ramp automatically monitors your booked hotels. If prices drop by $50 or more, we rebook at the lower rate—saving your company money. Ramp’s agent spots card-eligible vendors and can submit your card payment for you, so you earn cashback every time.

• Catch fraud before it costs you
• Triple checks, zero losses
• Win every software negotiation
• If the price drops, we’ll catch it
• Never fill out a vendor payment portal

Routine tasks, handled for you.

Learning from past invoices, Ramp’s agent applies your logic instantly during processing, even across hundreds of line items. Reclaim hours lost each month on expense reports. Ramp automates each step, from collecting receipts to drafting memos. Ramp agents automatically extract, and categorize every expense and invoice—and always code perfectly to your ERP. Ramp transcribes even the most complex invoices with unmatched accuracy, including line-items.

• Ramp’s agent knows every code
• Never chase another receipt
• No more manual data entry
• Handle 10x invoices in half the time

Finance just got faster. Our customers are proof.

Customer results and testimonials showing significant time and cost savings using Ramp Intelligence.

• 75% reduction in credit card reconciliation time (Webflow)
• $250K savings identified by Ramp’s insight tool (Candid)
• 90% of transactions auto-coded by Ramp (Glossier)
• 5X faster transaction review time (Quora)

Explore more with AI.

Links to blogs and resources about Ramp Intelligence and AI in finance.

• Ramp agents: Let finance teams do finance
• How to build AI your team can trust.
• You’ve been asked to use AI. This is the answer.

Make approvals a breeze

Empower employees to spend with pre-approved cards. Go one step further with lightweight expense reviews and approvals for out-of-policy spend.

Pre-approve spend built into cards

Issue cards with limits and restrictions built in. Let employees spend on what they need without getting in their way so you can keep moving fast.

Customize approvals for business travel

Set custom travel policies and build smart workflows for Ramp to loop in the right approvers.

Approve payments before they clear

Set up approval flows and automation to streamline how you manage big expenses at every level of your organization.

Review and approve transactions

Approve out-of-policy transactions for edge cases and ask employees to pay you back for accidental expenses.

“The fact that I don’t need to approve employee expenses manually on a daily basis is such a relief.” Zuben Mathews CEO, Brigit

Close your books 3x faster with AI accounting.

Ramp’s AI codes, reviews, and syncs transactions throughout the month to keep your team moving fast and your books clean.

From swipe to ERP sync - automated accounting without the busywork.

Ramp’s AI runs in the background 24/7 to handle routine spend and flag what needs a second look.

Let AI handle the coding.

Ramp’s AI boosts zero-touch codings by 67% compared to rules-only automation.

Auto-sync the routine. Review what matters.

Ramp auto-syncs routine spend to your ERP with an audit log of receipts so you only review what needs human judgment.

Review 2x faster.

No more line-by-line scans. Ramp provides suggested actions for every transaction and groups related spend so your team reviews faster without missing a thing.

Native accruals and reconciliation.

Ramp posts accruals for transactions that are not ready to sync and reconciles with your ERP automatically, so your close is fast, accurate and audit-ready.

Real-time ERP syncs. Every entity and every field.

Ramp supports 30+ ERPs and adapts to complex setups, including multi-entity, multi-currency, custom fields, and custom dimensions, so you can scale confidently without manual work or messy reconciliations.

Fast and reliable reimbursements

Pay back employees for out-of-pocket expenses made anywhere in the world.

Empower employees to spend from anywhere.

Reimburse employees with confidence, in more than 70 countries and 40 currencies, knowing they can be paid in two days or less for out-of-pocket expenses in their local currency.

Control with spend limits.

Get an unparalleled level of control and accuracy by including reimbursements in any fund. Now, every dollar that leaves your company, even those made not on a corporate card, will automatically adhere to the same pre-set controls and limits.

Reimbursements, repaid.

Request to be paid back on web or on-the-go with our mobile app. Snap a picture, add a memo, and send in the request.

Track mileage accurately

Our integration with Google Maps keeps repayments precise with automatic mileage calculations.