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Ramp

Free tier

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

Free tier available·All audiences·API available
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Key strengths

All-in-one spend management replacing 4+ point solutionsAI agents auto-code 90% of transactions and review 100% of expensesFull implementation in 30 days with ERP sync in 5 minutesReal-time spend controls that block out-of-policy spend before it happensNo personal credit checks or personal guarantees — corporate liability only
Free tier + paid plans
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Ramp is built around a suite of AI agents that automate the full spend management lifecycle — from invoice ingestion (99% accurate OCR) and GL coding to fraud detection, approval routing, and payment execution. It offers native bidirectional integrations with major ERPs including QuickBooks Online, Xero, NetSuite, Sage Intacct, Workday, and Oracle Fusion Cloud. The platform exposes a developer API (documented at docs.ramp.com) enabling programmatic access to card issuance, transaction data, and expense workflows. Ramp's Policy Agent reviews 100% of expenses autonomously, while four specialized AP agents handle auto-coding, fraud prevention, approval routing, and payment — with all money-moving actions requiring explicit human confirmation. Global operations are supported across 200+ countries, with local card issuance in 33 countries and reimbursement in 40+ currencies.