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Ramp

Free tier

All-in-one AI-powered spend management: cards, expenses, AP, travel & procurement

Free tier available·All audiences·API available
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Key strengths

AI-powered automation for expense coding, invoice processing, and policy enforcementAll-in-one platform replacing cards, AP, expenses, travel, and procurement toolsFull implementation in 30 days with 5-minute ERP connectionReal-time spend controls that block out-of-policy transactions before they occurGlobal operations across 200+ countries with local card issuance in 33 countries
Free tier + paid plans
New York, USA
Founded 2019
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Ramp Developer & Technical Documentation

API & Webhooks Ramp provides a REST API documented at docs.ramp.com. The API supports programmatic management of cards, transactions, users, reimbursements, and spend policies. Webhooks deliver real-time event notifications for transaction approvals, policy violations, and payment status changes.

ERP Integrations Ramp supports native, bidirectional sync with major ERPs:

  • QuickBooks Online & Xero — available on Free tier
  • NetSuite & Sage Intacct — available on Plus tier
  • Workday & Oracle Fusion Cloud — available on Enterprise tier

Sync includes line-item GL coding, multi-entity mapping, and automatic journal entries — eliminating manual data entry.

AI Agents Architecture Ramp's intelligence layer consists of specialized AI agents:

  • Policy Agent — reviews 100% of expenses automatically; flags exceptions only
  • AP Agents (×4) — handle auto-coding, fraud prevention, approval routing, and payment execution
  • Invoice OCR — 99% accuracy on invoice data extraction with line-item matching
  • Procurement AI — parses contracts and screenshots to auto-populate intake forms

Security & Compliance Ramp's Trust Center (trust.ramp.com) provides compliance documentation. All AI decisions are transparent and auditable; the system never executes money-moving actions without explicit human confirmation. Ramp Banking accounts are FDIC-insured.