Ramp

Modern finance platform with AI spend management — corporate cards, expense, bills, vendors, and AI agents that save 5%+.

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About Ramp

Ramp is the modern AI finance platform that bundles corporate cards, expense management, bill pay, vendor management, and accounting automation in one stack. Its core platform is free (revenue from interchange) — Plus and Enterprise add advanced AI controls and ERP integration. AI agents categorize transactions, surface savings, negotiate contracts, and (new in 2026) track AI token spend across your AI vendors. Customers report 5% savings on spend and close books 8x faster. 1.5% flat cash back on all spending.

Key Features

Free corporate cards and expense management (interchange-funded)
AI transaction categorization with NetSuite, QuickBooks, Xero sync
AI agents for spend analysis, contract negotiation, procurement
AI Spend Visibility — token-level tracking across AI vendors (2026)
Bill pay and vendor management automation
Real-time spend controls and policy enforcement
1.5% flat cash back on all spending
Plus tier with advanced AI controls; Enterprise custom

Use Cases

Issue corporate cards with built-in policy controls
Automate AP and bill pay with AI categorization
Track AI token spend across OpenAI, Anthropic, etc.
Close books 8x faster with AI reconciliation
Surface vendor savings with AI contract negotiation
Replace stitched cards + expense + AP tools

Pros & Cons

Pros

  • Core platform is free — interchange-funded model
  • AI Spend Visibility is unique and timely (2026)
  • Strong NetSuite, QuickBooks, Xero integrations
  • Customers report real 5% savings + 8x faster close

Cons

  • Limited international card issuance vs Brex
  • Some advanced workflows gated to Plus / Enterprise
  • Cash back simpler than competitor points programs
  • Onboarding requires real finance team buy-in