Ramp

Free tier

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

Free tier available·All audiences·API available

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 is built on a suite of AI agents that autonomously handle transaction review, policy enforcement, fraud detection, invoice transcription, and approval routing across the entire spend lifecycle. Four distinct AI agents power the AP workflow alone (auto-coding, fraud prevention, approval routing, and payment). The platform offers native bidirectional ERP integrations with QuickBooks Online, Xero, NetSuite, Sage Intacct, Workday, and Oracle Fusion Cloud, plus a developer API and webhooks documented at docs.ramp.com. Ramp's intelligence layer is trained on 70,000+ customer transaction patterns, achieving 90%+ auto-coding accuracy and 99% OCR accuracy on invoice data extraction.

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