Ramp is an AI-powered financial operations platform that brings business banking, corporate cards, expenses, accounts payable, procurement, and travel into one connected system. Businesses get real-time visibility into their cash and company spending, with fewer tools and less manual work. With Ramp Banking, companies can manage operating cash, make payments by ACH or wire, and move excess funds into an investment account—all alongside their day-to-day spending.
By connecting banking, AI spend, company expenses, and accounting, Ramp gives businesses tighter control over every dollar. Ramp also helps companies manage their growing spend on AI. Finance and engineering teams can see usage across providers such as OpenAI, Anthropic, Gemini, and Cursor in one dashboard, broken down by provider, model, API key, user, and time.
Ramp identifies unusual usage, highlights potential savings, and provides guardrails to help teams control costs without slowing innovation. Ramp’s AI agents review transactions against company policies, capture receipts, code expenses, process invoices, and surface exceptions requiring human attention. This helps finance teams automate routine work while retaining control over approvals and decisions.
By connecting banking, spend controls, AI-powered automation, and accounting, Ramp helps finance teams work more efficiently, enforce policies, and make better use of company cash.*Ramp Business Corporation is a financial technology company and is not a bank. Bank deposit services are provided by First Internet Bank of Indiana, Member FDIC. For companies looking to simplify financial operations and gain tighter control over spending, Ramp is worth exploring.
Check out the available offers and deals on our marketplace to get started.
$500 bonus on your first $1,000 balance payment
Worth up to $500
Who this deal is for
- You must be a US-based business with a physical US address.
Features
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Procurement and intake management
Procurement requests are streamlined through automated intake forms, with approvals routed across relevant teams, helping your company move from request to purchase faster and with better visibility.
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Corporate cards with built-in controls
Ramp provides unlimited physical and virtual cards with customizable limits and restrictions, ensuring spending policies are enforced at the transaction level before purchases go through.
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Accounting automation and ERP sync
All transactions and payments are automatically categorized and synced with accounting systems, ensuring financial data stays accurate and up to date without requiring manual reconciliation.
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Ramp Banking
Ramp banking is two accounts working together. A checking account handles day-to-day cash -- it's fully liquid, FDIC-insured up to $190M in deposits per customer, and earns 2.0% with no fees of any kind. Alongside it, the investment account puts reserve cash to work in professionally managed, automated fixed-income portfolios.
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Accounts payable automation
Invoices are scanned and processed using OCR technology, with automated workflows handling coding, approvals, and scheduling, significantly reducing manual intervention in accounts payable operations.
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AI-powered expense management
Receipts are automatically captured at the time of purchase, while AI fills in categories and memos, reducing the need for employees to submit manual expense reports later.
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Ramp intelligence insights
Ramp continuously analyzes spending data to detect duplicate charges, highlight cost-saving opportunities, and provide insights that help you make more informed decisions.
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Travel booking with policy enforcement
Ramp includes a travel booking system that enforces company policies and monitors prices after booking, automatically adjusting reservations when better rates become available.
Pricing
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Free
$0 (Freemium)
- Unlimited corporate cards
- Automated expense management
- Accounts payable with accounting syncs
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Plus
$15 / user / month
- AI-powered approval recommendations
- Advanced procurement workflows
- Custom roles and audit logs
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Enterprise
Custom pricing
- ERP integrations (Workday, Oracle Fusion Cloud, etc.)
- Global reimbursements and local currency support
- Dedicated implementation and premium support
Pros and cons
Pros
- Consolidates multiple finance tools: Ramp replaces separate systems for cards, expenses, and accounts payable
- Fast implementation timeline: Ramp can be connected to existing accounting systems quickly
- Strong automation capabilities: Automation handles categorization, approvals, and invoice processing