Ramp AI
What is Ramp AI?
Ramp AI is a spend management platform for finance teams that combines cards, expenses, bill payments, and banking with AI-assisted automation. It automatically codes transactions, matches receipts, extracts invoice data, and routes approvals through configurable workflows. Ramp also includes procurement and reporting, integrates with Slack, QuickBooks Online, NetSuite, and Xero, and is used by Notion, Perplexity, and Shopify. Plans run Free $0/mo/user, Plus $15/mo/user, and Enterprise custom.
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At a glance
- Ramp AI is best for finance teams who want to automate spend control, reconciliation, and close work.
- Free $0/mo/user; Plus $15/mo/user; Enterprise Custom
What does Ramp AI do?
Ramp routes company spend through one platform that combines cards, expenses, bill payments, and banking with AI-assisted automation. It automatically codes transactions, matches receipts, extracts invoice data, and pushes approvals through configurable workflows so finance teams spend less time on manual cleanup. The product also ties in procurement and reporting, so spend can be controlled earlier and tracked more clearly across the back office. At scale, Ramp says it serves 50,000+ customers, supports 200+ countries, and has saved 27.5M+ hours and $10B+ for customers. The site also points to 200+ integrations and 30+ currencies, plus mobile apps for iOS and Android. Customer stories include Notion, Perplexity, Shopify, and Sierra Nevada, and the security page shows SSO, MFA, encryption at rest and in motion, SOC 2 Type II, and PCI controls.
Why use Ramp AI?
- It combines cards, expenses, AP, banking, and procurement in one workflow, reducing handoffs between separate systems.
- AI-assisted coding, receipt matching, and approval recommendations cut down repetitive finance work without adding extra tools.
- The platform supports 200+ countries and 30+ currencies, which helps teams manage spend across distributed operations.
- Ramp reports 27.5M+ hours saved and $10B+ saved for customers, giving buyers a concrete scale signal.
- Security features like SSO, MFA, encryption, SOC 2 Type II, and PCI support make it easier to standardize controls.
Who is Ramp AI for?
- Finance operations teams who want to reduce manual expense and AP work.
- Controllers who need tighter approval flows and cleaner reconciliation.
- Accounting teams who want automated coding and faster month-end close.
- Procurement teams who need centralized purchasing and vendor oversight.
- Business leaders who want clearer visibility into company spend.
What are Ramp AI's key features?
Cards & Expenses
Issue unlimited corporate cards, collect receipts by SMS or Slack, and auto-match them to expenses to reduce manual follow-up and missing documentation.
Procure to pay
Manage invoices, purchase orders, and bill payments in one flow with OCR extraction, three-way match, and payment approvals for tighter spend control.
Accounting automation
Auto-code fields, sync routine spend to QuickBooks Online, Xero, NetSuite, or Sage Intacct, and speed month-end close with fewer manual entries.
Banking
Hold cash in a FDIC-insured account, earn 2%* on cash, and send free wires or same-day ACH via Bill Pay without transfer caps.
Integrations
Connect Ramp with Slack, QuickBooks Online, NetSuite, Xero, Salesforce, HubSpot, and Zapier to move spend data into existing workflows.
Set user access on autopilot
Control card issuing, custom roles, and approval workflows so access stays aligned with policy as teams and entities change.
Global Spend Management
Support 30+ currencies and 200+ countries, with auto tax capture and coding for international spend and reimbursements.
Ramp Intelligence
Use AI reporting, policy insights, and approval recommendations to review expenses faster and surface issues before they reach the ledger.
What does Ramp AI integrate with?
- Notion
- Perplexity
- Shopify
- QuickBooks
- Slack
- Salesforce
- Google Calendar
- Stripe
- HubSpot
- Klaviyo
- Zapier
- Calendly
- NetSuite
- Sage Intacct
- Microsoft Dynamics Business Central
- Xero
- Workday Financial Management
- Acumatica
- QuickBooks Desktop
- Microsoft Dynamics 365 Finance and Operations (F&O)
- Oracle Fusion Cloud
- QuickBooks Online
- Trimble Spectrum by ClearPlan Consulting
- Trimble Vista by ClearPlan Consulting
- Zoho Books
- Amazon Business
- American Airlines AAdvantage Business™
What are Ramp AI's use cases?
Finance ops expense cleanup
Finance operations teams use Ramp AI to cut down manual expense work, using Cards & Expenses to issue cards, collect receipts, and keep spend moving without chasing employees. They also rely on Receipt automation and Expense management to reduce back-and-forth and get cleaner records into accounting.
Controller approval control
Controllers use Ramp AI to tighten approval flows and reconciliation, using Payment approvals and Accounting automation to route spend correctly and keep coding consistent. That helps them close the books with fewer exceptions and less time spent fixing mismatched transactions.
Procurement oversight for spend
Procurement teams use Ramp AI to centralize purchasing and vendor oversight, using Procure to pay and Vendor management to manage requests, approvals, and supplier tracking in one place. They can keep buying controlled from intake through payment instead of juggling disconnected tools.
Business visibility into spend
Business leaders use Ramp AI to see where money is going, using Spend analytics and Reporting to track budgets, actuals, and trends across the company. That gives them a clearer view of spend patterns before they become surprises at month-end.
How does Ramp AI work?
- Connect your first accounting or spend source, then bring transactions into Ramp so Cards & Expenses and Banking can start organizing activity in one place.
- Set up approval paths and spending rules with Payment approvals and Set user access on autopilot, so the right people can buy, review, and release spend without manual chasing.
- Turn on Accounting automation to map fields, code transactions, and sync routine spend to QuickBooks Online, Xero, NetSuite, or Sage Intacct.
- Use Procure to pay to route requests, create purchase orders, and manage invoices, then track vendor status and payment progress from a single workflow.
- Review Spend analytics and Reporting regularly to monitor budgets, spot exceptions, and keep month-end close moving faster as Ramp Intelligence surfaces what needs attention.
How much does Ramp AI cost?
Free
$0/mo/user- Corporate Card
- Unlimited cards
- Card issuing controls
- Travel & Expense
- Complete expenses via SMS or Slack
- Create a custom travel policy
- Book flights, hotels and car rentals
- Auto-receipt collection and matching
- Accounts Payable
- Automated invoice extraction (OCR)
- Configurable approval workflows
- Automated fraud checks
- Treasury
- Earn 4.14%* in a Ramp Investment Account
- Earn 2%* on cash in a FDIC-insured account
- No fees, minimum deposits, or transfer caps
- Free wires and same-day ACH via Bill Pay
- Accounting Automation
- Basic accounting rules
- QuickBooks Online and Xero integrations
- Budgets & Reporting
- Custom report builder
- Vendor Management
- Price intelligence
Plus
$15/mo/user- Platform fee based on team size
- Save 20% with annual billing
- Travel & Expense
- Auto-lock cards when compliance is unmet
- 24/7 phone support for travel bookings
- Accounts Payable
- Auto-coded line items
- AI-driven approval recommendations
- Automated batch payments
- Payment release approvals
- Procurement (Add-on to Plus or Enterprise)
- Intake and approval workflows
- AI-driven vendor compliance reviews
- Automated PO creation and tracking
- Three-way match with Ramp purchase orders
- Accounting Automation
- NetSuite, Sage Intacct and more integrations
- AI coding for every field
- Automate approval and sync of routine spend
- Support for multi-entity businesses
- Global Coverage
- Auto tax capture and coding
- Budgets & Reporting
- Share live reports and schedule exports
- Track budgets vs. Actuals in real time
- User management
- Custom user roles
- Multi-entity visibility restrictions
- Audit log
Enterprise
Custom- Annual billing
- All the features of Plus, and:
- Accounting Automation
- Workday, Oracle Fusion Cloud and more integrations
- Global Coverage
- Locally funded reimbursements
- Pay card payments in local currency
- White Glove Support
- Dedicated account and customer success manager
- Priority 24/7 global support
- Implementation Services
- Integration setup and validation testing
- Employee training and change management
- Enterprise Services
- Custom development
- ERP extensions and configurations
- Custom policy and workflow configuration
- Org, role and entity configuration
Frequently asked questions
What is Ramp AI?
Ramp AI is a spend management platform for finance teams that combines cards, expenses, bill payments, and banking with AI-assisted automation. It automatically codes transactions, matches receipts, extracts invoice data, and routes approvals through configurable workflows. Ramp also includes procurement and reporting, integrates with Slack, QuickBooks Online, NetSuite, and Xero, and is used by Notion, Perplexity, and Shopify. Plans run Free $0/mo/user, Plus $15/mo/user, and Enterprise custom.
How much does Ramp AI cost? Is it free?
Ramp AI has a free plan, with paid tiers including Plus at $15/mo/user, Enterprise at Custom.
What is Ramp AI used for? Who is it for?
Ramp AI is used for Cards & Expenses, Procure to pay, and Accounting automation. It's built for Finance operations teams, Controllers, and Accounting teams.
Does Ramp AI have an API and what does it integrate with?
Ramp AI doesn't publish a public API. It integrates with Notion, Perplexity, Shopify, QuickBooks, Slack, and 22 more.
Editor's read
Check whether your accounting stack needs the Enterprise-only integrations and controls, such as Workday, Oracle Fusion Cloud, locally funded reimbursements, and local currency card issuing in 30+ countries. If those are required, Plus will not cover the rollout.
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