Ramp
Corporate cards and expense software where AI reviews every transaction, flags policy violations, and reconciles receipts automatically, free for smaller teams.
What it costs
| Tier | Price | For | Includes |
|---|---|---|---|
| Free | $0/month per user | Smaller teams who want to simplify finance operations without a subscription. | Unlimited physical and virtual corporate cards, expense management with automatic receipt collection, AI-powered invoice OCR, a treasury account earning 2% APY, and QuickBooks Online/Xero integrations. |
| Plus | $15/month per user, plus a platform fee based on team size (30% discount with annual billing) | Teams who want AI doing the busywork of expense review. | Everything in Free, plus AI-driven expense reviews and policy insights, auto-locking cards on compliance violations, automated batch payments, NetSuite/Sage Intacct integrations, and multi-entity support. |
| Enterprise | Custom pricing, annual billing required | Larger organisations that need deep ERP integration. | Everything in Plus, plus Workday and Oracle Fusion Cloud integrations, a dedicated account manager, custom implementation, and locally-funded reimbursements in 30+ countries. |
Read from Ramp's own pricing page on 25 Sep 2026. Vendors change prices without notice.
Where it breaks
Ramp is a US company built primarily for US banking rails; non-US businesses should confirm card issuance and reimbursement coverage for their country before assuming it works the same way it does domestically.
Browser dashboard plus mobile apps for cardholders (iOS, Android). US-based company; international reimbursement coverage is more limited outside the 30+ countries Ramp names explicitly.
First entry in this reference. There is no previous check to compare it against.
Ramp’s pitch is unusual for finance software: the base tier is free, and it stays genuinely usable rather than being a crippled trial. You get real corporate cards, automatic receipt matching, and AI-read invoice processing without paying anything, which is why it’s become the default recommendation for a small team’s first corporate card program.
The AI does real work here rather than decorative summarisation. It reads receipts and invoices well enough to code them into the right expense category without someone typing amounts by hand, and on the paid Plus tier it reviews every transaction against your policy and can auto-lock a card the moment something looks like a violation — closer to a standing compliance process than a tool you have to remember to check.
What actually costs money
The free tier is not a bait-and-switch: Ramp makes money on interchange fees from card spend, the same way many “free” fintech products do, which is why it can afford to give away the base product. The Plus tier’s platform fee scales with team size rather than being a flat number, so get an actual quote before assuming the advertised $15 per user is the whole bill.
Against the alternatives
Against BILL, the split is what each one is built around: BILL is accounts payable and receivable first, with card issuing as an add-on, while Ramp is the card program first, with AP/AR features layered on top. A business already running most of its spend through BILL for vendor payments may not need to switch; one starting from scratch with corporate cards will find Ramp’s free tier the lower-friction entry point.
Get Ramp
Buying the tool is not the hard part.
The ebook is about what to hand over, in what order, and how you find out when it goes wrong. One payment, no subscription.