Ramp
Free tierAI-powered spend management: corporate cards, expenses, AP, travel & procurement in one platform
Free tier available·All audiences·API available
Key strengths
All-in-one spend management replacing 4+ point solutionsAI agents auto-code 90% of transactions and review 100% of expensesFull implementation in 30 days with ERP sync in 5 minutesReal-time spend controls that block out-of-policy spend before it happensNo personal credit checks or personal guarantees — corporate liability only
Free tier + paid plans
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Developer & Technical Documentation
API Access Ramp provides a developer API documented at docs.ramp.com. The API enables programmatic management of cards, users, transactions, reimbursements, and accounting configurations.
Key Integration Capabilities
- ERP sync: Native bidirectional integrations with QuickBooks Online, Xero, NetSuite (Plus+), Sage Intacct (Plus+), Workday, and Oracle Fusion Cloud (Enterprise)
- Communication tools: Receipt submission and alerts via Slack and Microsoft Teams webhooks
- Procurement: AI parses uploaded contracts/screenshots to auto-populate intake forms; dynamic parallel approval workflows are configurable via API
AI Agent Architecture Ramp Intelligence runs multiple autonomous agents:
- Policy Agent — reviews 100% of expenses against configured rules, auto-approves compliant spend, flags exceptions
- AP Agents (×4) — auto-coding, fraud prevention, approval routing, and payment scheduling for accounts payable
- Transaction classification is trained on patterns from 70,000+ customer accounts
Data & Compliance
- All AI decisions are auditable; no money-moving actions execute without human confirmation
- Trust and security details available at trust.ramp.com
- Multi-entity support with entity-level restrictions available on Plus and Enterprise tiers
Card Issuance
- Local currency card issuance in 33 countries (40+ on Enterprise)
- Virtual cards can be provisioned programmatically via API for per-vendor or per-transaction use cases