Finance & Banking Software
Ramp
Corporate cards and spend management with a free entry tier and a heavy emphasis on AI-driven expense automation.
Small businessMedium businessEnterpriseGlobal
Last reviewed Jul 17, 2026 · Pricing verified Jul 17, 2026
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DEV-TOP · horizontalOur take
Best for smaller teams that want unlimited corporate cards and genuine AI-driven expense automation for free, with a clear path to deeper ERP integrations on Plus/Enterprise as finance operations mature.
Choose this if...
- Smaller teams wanting unlimited cards and expense automation without a per-user fee
- Growing companies needing deep NetSuite/Sage Intacct/Workday integrations as they scale
Look elsewhere if...
- You need local-currency card issuance outside the 30+ countries Enterprise supports
- You want simple, predictable flat pricing rather than a per-user-plus-platform-fee structure on Plus
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Pricing
Verified Jul 17, 2026 against Ramp's own pricing page.
| Plan | Monthly | Annual | Key limits |
|---|---|---|---|
| Free | Free | — | $0/mo/user; unlimited corporate cards, travel & expense management (SMS/Slack expense completion), automated invoice OCR extraction, basic accounting rules, QuickBooks Online/Xero integrations, custom AI reports |
| Plus | 15 USD/mo | — | $15/user/mo plus a platform fee based on team size; 20% discount with annual billing; adds AI-powered expense reviews/policy insights, auto-coded AP line items, AI approval recommendations, advanced NetSuite/Sage Intacct integrations, real-time budget tracking, custom roles/audit logs |
| Enterprise | — | — | Custom pricing, annual billing required; Workday/Oracle Fusion Cloud integrations, local-currency card issuing in 30+ countries, dedicated account manager, 24/7 priority support |
Free tier reality
The Free plan includes unlimited corporate cards and real expense/AP automation (OCR invoice extraction, accounting rules, Slack/SMS receipt matching) at $0/user/mo — genuinely usable for smaller teams, not a stripped demo. Plus adds a per-user fee plus a team-size-based platform fee for deeper AI automation and ERP integrations (NetSuite/Sage Intacct); Enterprise is custom, annual-only pricing.
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DEV-MID · rectanglePros
- Free tier includes unlimited cards and real automation, not just a trial
- Strong reputation for AI-driven expense/receipt-matching accuracy
- Deep ERP integrations available for finance teams that need them
Cons
- Plus tier's "per user plus platform fee" structure makes total cost less predictable than a flat per-seat price
- Enterprise requires annual billing and custom sales negotiation
- Local-currency card issuance limited to Enterprise tier only
Key features
- Unlimited corporate cards
- AI-powered receipt matching and expense review
- Automated invoice OCR and accounts payable
- Real-time budget tracking
- Deep ERP integrations (NetSuite, Sage Intacct, Workday) on paid tiers
Integrations
- VERIFY
Platforms
- web
- ios
- android
Regional fit
Primarily US-underwritten; local-currency card issuing available in 30+ countries on the Enterprise tier.
- Global
Best for
Alternatives
Stripe
Pick this instead if: Developers and technical teams wanting maximum flexibility and API control
Mercury
Pick this instead if: US startups and small businesses wanting free checking with modern software
Brex
Pick this instead if: Startups wanting unlimited corporate cards with no per-user fee at the entry level
Square
Pick this instead if: Retail, hospitality, and service businesses needing in-person point-of-sale hardware and software
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Ramp FAQ
Questions about this tool
Is Ramp free?
Yes, there's a free tier. The Free plan includes unlimited corporate cards and real expense/AP automation (OCR invoice extraction, accounting rules, Slack/SMS receipt matching) at $0/user/mo — genuinely usable for smaller teams, not a stripped demo. Plus adds a per-user fee plus a team-size-based platform fee for deeper AI automation and ERP integrations (NetSuite/Sage Intacct); Enterprise is custom, annual-only pricing.
How much does Ramp cost?
Free. We verify pricing directly against Ramp's own pricing page — see the pricing table above for the full breakdown of plans, and check the verified date before making a decision, since software pricing changes often.
Who is Ramp best for?
Smaller teams wanting unlimited cards and expense automation without a per-user fee Growing companies needing deep NetSuite/Sage Intacct/Workday integrations as they scale
Who should avoid Ramp?
You need local-currency card issuance outside the 30+ countries Enterprise supports You want simple, predictable flat pricing rather than a per-user-plus-platform-fee structure on Plus
Does Ramp work well outside the US?
Primarily US-underwritten; local-currency card issuing available in 30+ countries on the Enterprise tier.
What are the best alternatives to Ramp?
Worth comparing: Stripe, Mercury, Brex, Square. See the Alternatives section above for why you might pick one of these instead.