Ramp

What it is

Category DescPoint tool / Payments (corporate charge card, expense management, bill pay, and spend management platform). ↗

Target UserU.S.-based businesses, including both residential and commercial trade/construction contractors (general contractors, electrical, HVAC, plumbing, and specialty trades) ranging from small-and-midsize businesses (requiring incorporated business status and at least $25,000 in cash reserves) to enterprise organizations. ↗

OwnershipIndependent, privately held venture-backed company (key investors include Founders Fund, Lightspeed Venture Partners, ICONIQ Growth, Coatue, and D1 Capital Partners). ↗

Founded Year2019 ↗

Pricing & cost

Pricing ModelRamp uses a hybrid freemium, seat-based subscription, and transaction-fee pricing model. Pricing for core tiers is publicly available, while Enterprise pricing is custom quote-only. The Free tier is $0/user/month. Ramp Plus is $15/user/month (or $12/user/month billed annually) plus a platform fee based on team size. Ramp Enterprise is quote-only. Additionally, Ramp charges per-transaction fees for certain Bill Pay payment methods, which can be waived when paying out of a Ramp Checking Account. ↗

Typical CostFree Tier: $0/user/month for corporate cards, expense management, basic accounting sync, and automated receipt matching. Ramp Plus Tier: $15/user/month ($12/user/month if billed annually) plus an undisclosed platform fee based on company size. Enterprise Tier: Custom quote. Bill Pay Transaction Fees: $0.59 per standard ACH payment, $1.99 per standard check, $10 per same-day ACH, $15 per domestic wire, $20 per international SWIFT wire, $20 per overnight check delivery, and $1 per check attachment page (eligible fees waived when funding from a Ramp Checking Account). ↗

Api Or Integration FeesStandard API access and basic accounting integrations (QuickBooks Online, Xero) are included at no extra charge in the Free tier. Deeper ERP/HRIS integrations (NetSuite, Sage Intacct) require Ramp Plus ($15/user/month). Custom API integrations and enterprise platforms (Workday, Oracle Fusion) require the custom-priced Enterprise tier. Ramp does not charge developer platform fees or take revenue share for building integrations via its developer API platform. ↗

Implementation CostStandard onboarding and self-service setup are free ($0) across tiers. Custom implementation, data migration assistance, and dedicated onboarding support are available under custom Enterprise tier plans. ↗

API & data access

Has ApiYes ↗

Api TypeREST ↗

Api Access GatingIncluded for Ramp customers with Admin or Business Owner access. Developer apps and API credentials (Client ID and Client Secret) are created directly in the dashboard under Company > Developer using OAuth 2.0 (Client Credentials for internal integrations or Authorization Code for third-party apps). Third-party applications building for the Ramp App Center require sandbox testing, partner registration, and approval. ↗

Api LimitationsRate-limited to 200 requests per 10-second rolling window per source IP address (HTTP 429 returned when exceeded); requests timed out after 60 seconds (HTTP 504); access tokens expire after 10 days; pagination is capped between 2 and 100 items per request; endpoint access requires granular OAuth 2.0 scopes; legacy Virtual Card endpoints are read-only (superseded by the Limits API). ↗

Data Export OptionsCustomizable CSV exports from the dashboard for transactions, bill payments, and reimbursements; Universal CSV export with configurable column headers, custom open-text fields, and mandatory field enforcement; direct automated sync with major accounting platforms (QuickBooks, NetSuite, Sage Intacct, Xero); and automated data connections to BI/data warehouse platforms via API. ↗

Native AI features

Ai Features SummaryRamp is a business spend management, corporate card, and accounts payable platform widely used across industries, including U.S. trade and construction contractors, to manage expenses, job costs, and vendor bills. Ramp has no native field service features such as AI dispatching/scheduling, job estimating, or customer call handling/CSR. Instead, its native AI capabilities focus entirely on corporate finance automation. Key capabilities include Policy-Enforcing AI Agents (launched July 2025), Accounts Payable (AP) AI Agents (launched October 2025), natural language spend reporting, and three native Model Context Protocol (MCP) servers (launched March 2025, expanded 2026) for integrating Ramp directly with LLM assistants like Claude and ChatGPT. ↗

Ai DispatchRamp offers no native AI dispatching, job scheduling, AI estimating, or AI CSR/call handling features. It is a corporate spend and AP automation system rather than a field service management (FSM) platform. ↗

Ai FinanceShipped / GA Features: - Agents for AP / Bill Pay AI Agents (GA, Oct 2025): Includes Auto-Coding Agent (automatically assigns GL codes, departments, and categories with ~85% first-time accuracy based on vendor patterns), Fraud Detection Agent (flags suspicious invoice changes and duplicate bills), Approval Intelligence Agent, and Automatic Virtual Card Payment Agent. - Policy Agents / Agents for Controllers (GA, July 2025): AI agents that review corporate card transactions and reimbursements in real time, auto-approve low-risk compliant spend, flag out-of-policy purchases, and handle automated follow-ups with employees. - Smart OCR & AP Invoice Processing (GA, 2023–2025): Uses AI/OCR to extract multi-line invoice details, vendor details, and amounts with 99% line-item data accuracy. - AI Natural Language Reporting (GA, Dec 2025): Allows finance teams to ask spend questions in plain English and automatically generates charts and breakdowns. - AI Token Spend Management Dashboard (GA / Early Access, April 2026): Dashboard to track, govern, and optimize token spend across AI providers like OpenAI, Anthropic, and OpenRouter. Announced / Beta Features: - Autonomous Agent Payment Integrations (Announced/Beta, March 2026): Partnership with Visa enabling AI agents to execute autonomous corporate bill pay and card issuance within defined controls. ↗

Ai Assistant Or McpShipped / GA Features: - Model Context Protocol (MCP) Servers (GA, initial launch March 2025; expanded April 2026): Ramp provides three official native MCP servers: 1) 'Ramp MCP' (enables AI assistants like Claude Desktop, Cursor, or ChatGPT to query company spend data via an in-memory SQL engine, manage approvals, and run month-end close), 2) 'Developer MCP' (unauthenticated server at mcp.ramp.com/developer/mcp providing live API documentation and OpenAPI schemas), and 3) 'Ramp Data MCP' (queries Ramp Rate vendor benchmarks and AI adoption metrics). Over 2,000 businesses actively use Ramp CLI/MCP as of April 2026. - Slack & SMS Expense Interface (GA, Dec 2025): Conversational interface allowing employees and managers to submit expenses, respond to AI policy questions, and approve transactions directly inside Slack or SMS without logging into Ramp. ↗

Integrations & ecosystem

Accounting IntegrationsRamp natively connects to 40+ accounting platforms and ERPs, including QuickBooks Online, QuickBooks Desktop, NetSuite, Sage Intacct, Xero, Workday Financial Management, Acumatica, Microsoft Dynamics 365 Business Central, Microsoft Dynamics 365 Finance and Operations, Oracle Fusion Cloud, Zoho Books, Sage 100, Sage 300, Viewpoint Spectrum, Viewpoint Vista, Deltek Vantagepoint, Yardi, Odoo, Blackbaud, Rillet, Finaloop, Aplos, Puzzle, and Digits. For non-natively integrated systems (such as Foundation), integrations rely on third-party sync platforms, open API builds, or CSV file exports. ↗

MarketplaceRamp hosts a public integrations directory and partner hub called the Ramp App Center, featuring 200+ integrations and 75+ technology partners spanning accounting, HR and payroll, procurement, receipt automation, travel, and productivity software. ↗

Unified Api SupportMerge.dev supports Ramp through dedicated integrations and MCP servers, allowing third-party tools to fetch GL accounts, vendors, virtual cards, and spend data via a unified interface. In addition, Ramp uses Merge.dev's Unified API internally to power 30+ HRIS and payroll integrations. ↗

Accounting fit & implementation

Certified PayrollNot natively supported. Ramp does not offer native certified payroll or WH-347 reporting capabilities for Davis-Bacon / prevailing wage compliance; contractors must rely on third-party payroll providers or construction ERP integrations. ↗

Accounting MethodSupports accrual accounting (as well as cash accounting) through configurable accounting rules, AP bill management, and direct sync with general ledgers and ERPs. ↗

Wip Poc SupportNot natively supported. Ramp provides multi-dimensional job-cost coding and transaction tagging by project and cost code, but does not calculate Work-in-Progress (WIP) or Percentage-of-Completion (POC) revenue recognition, which must be handled in an external construction ERP or general ledger system. ↗

Implementation TimeTypically takes days to under two weeks (ranging up to 2 to 4 weeks for complex AP configurations or multi-entity ERP integrations). ↗

Requires ImplementerNo. Ramp is built for self-serve setup and deployment without requiring a paid external implementer or Value-Added Reseller (VAR). ↗

Adoption & market position

Market PositionRamp is a modern, all-in-one financial operations and spend management platform providing corporate cards, bill pay, expense tracking, procurement, and treasury services. In trade and construction sectors, it is widely adopted as a modern replacement for paper receipts, personal card reimbursements, and standalone expense software, offering job-costing controls, per-site cards, and direct ERP/accounting integrations. As of June 2026, Ramp is valued at $44 billion following a $750 million Series F funding round, generating over $1 billion in annualized revenue with positive free cash flow. ↗

Customer ScaleRamp serves over 70,000 total business customers, including more than 5,500 construction companies, general contractors, specialty subcontractors, and developers. The platform processes over $200 billion in annualized purchase volume. ↗

MomentumRamp is rapidly growing (not legacy or declining) and continues to expand market share. Total payment volume grew roughly 170% year-over-year in 2026. Its valuation climbed rapidly from $7.65 billion in early 2024 to $16 billion in mid-2025, $32 billion in November 2025, and $44 billion in June 2026, powered by product expansion into AI agentic workflows, automated procurement, and accounting software tools. ↗