Ramp review (2026): features, pros and cons, and what to check before you buy
Corporate card and spend platform with a free tier and a paid Plus plan, where purchase orders come from a Procurement add-on.
Our take for buyers
Ramp is a corporate card and spend platform that also covers expenses, AP and, through an add-on, purchase orders. Shortlist it if you want cards, expenses and AP in one tool and are fine adopting its card. It also suits teams that want a free entry tier with QuickBooks Online or Xero. G2 rates it 4.8 out of 5 from 2,492 reviews.
Reviewers like automatic receipt matching, accounting integrations and the efficiency of one place for spend controls. Complaints include slow support in some reviews, fraud handling that can mean replacing the card, sudden limit decisions, occasional accounting integration snags and authorization holds that drop slowly. Buyers who want standalone procurement unconnected to a card program are a poor fit.
Pros
- Easy expense reporting and automatic receipt matching with real-time alerts.
- Accounting integrations (QuickBooks, Xero, NetSuite) save time at month end close.
- Helpful and responsive customer support in many reviews.
Cons
- Support can be slow to resolve issues and hard to reach a person in some reviews.
- Card-first model: fraud handling can mean replacing the card; sudden limit decisions reported.
- Occasional accounting integration snags, especially QuickBooks rules and memos.
- Best for
- Companies that want cards, expenses and AP in one tool and are fine adopting its card.
- Starting price
- $0 (Free); Plus $15 per user per month plus platform fee
- G2 rating
- 4.8 (2,492 reviews)
What is Ramp?
Corporate card and spend platform with a free tier and a paid Plus plan, where purchase orders come from a Procurement add-on. Companies content to adopt its card can begin free with QuickBooks Online or Xero, then move to Plus at $15 per user monthly plus a platform fee for NetSuite, Sage Intacct and approval workflows. Purchase orders require the Procurement add-on. Reviews praise receipt matching and mention occasional slow support. Ramp was founded in 2019 and is based in New York, US.
Category: Expense Management Software, Purchase Order and Approval Software
Ramp key features
| Criterion | What we found |
|---|---|
| Pricing model | Free plan $0; Plus $15 per user per month plus platform fee by team size. |
| Approval workflows and policy controls | Approval workflows on Plus. |
| Corporate cards | Corporate card included on all plans. |
| Accounting integrations | Free: QuickBooks Online, Xero. Plus: NetSuite, Sage Intacct. Enterprise: Workday, Oracle Fusion. |
| Reimbursements and payments | 1099 filing $0.65 per IRS filing, free state filing. |
| Travel and mileage tracking | 24/7 phone support for travel bookings on Plus. |
| PO creation and approval | Procurement add-on: PO management, custom intake. |
| Budget control | Budget vs actual tracking on Plus and Enterprise. |
| Invoice matching | 3-way match against imported POs and item receipts under AP; also against Ramp POs with procurement; plan tier not clear. |
| Price / entry cost | Free; Plus $15 per user per month plus platform fee. |
| Trial / free tier | Free tier plus 30-day Plus trial. |
Ramp plans and pricing
| Plan | Price | Unit | Notes |
|---|---|---|---|
| Free | $0 | per user per month | Corporate card, basic expense and AP, QuickBooks Online and Xero |
| Plus | $15 | per user per month plus platform fee by team size | Budget vs actual, approval workflows, NetSuite and Sage Intacct; 20% off annual; 30-day free trial |
| Enterprise | Custom | Workday, Oracle Fusion; annual billing |
Procurement (PO management, custom intake, card to PO matching) is an add-on on Plus or Enterprise.
Who should shortlist Ramp
A strong fit for
- Companies that want cards, expenses and AP in one tool and are fine adopting its card.
- Teams that want a free entry tier with QuickBooks Online or Xero.
A weak fit for
- Teams that need PO management without the Plus plan (Procurement is Plus or Enterprise only)
- Buyers who want a standalone procurement tool unconnected to a card program.
Ramp alternatives
StampliFinance teams that want invoice approval and PO controls on top of an existing ERP.
PrecoroSmall teams that want PO approvals with 2- and 3-way matching at a published price.
ProcurifyMid-size companies that need PO and approval control tied to budgets.
ZipMid-market and enterprise teams routing all spend requests through one intake.
TipaltiMid-market finance teams with high invoice and payee volumes, especially international.
BrexStartups and mid-size companies that want cards plus expenses on one platform.
Security, admin and compliance
Ramp states that SSO is supported through Okta, Google and Microsoft Azure, but does not say which plan includes it. Audit logs are on Plus and Enterprise. SCIM, data residency and DPA terms are not published. Support varies by tier: help center and AI help on Free, chat, email and phone on Plus, and a dedicated account manager with 24/7 priority on Enterprise. Enterprise is annual and sold through sales, while Plus lets you switch plans any time.
- SAML SSO
- Supported (Okta, Google, Microsoft Azure); plan not stated.
- Audit logs
- Plus and Enterprise.
Contract and buying terms
- Contract
- Plus has 30-day free trial, switch plans any time; Enterprise annual, via sales.
- Support
- Free: help center and AI help; Plus: chat, email, phone; Enterprise: dedicated account and CS manager, priority 24/7.
- Starting price
- $0 (Free); Plus $15 per user per month plus platform fee.
- Pricing model
- Per user plus platform fee.
- Free plan or trial
- Free plan, Free trial.
What to test in a Ramp demo or trial
Test the card-first model first. Ask how fraud handling works and what happens to spending while a card is replaced, and how limit decisions are made. Sync your accounting system and check QuickBooks rules and memos, since reviewers report snags there. Upload receipts and watch the automatic matching. For procurement, trial a PO against a card transaction and confirm how 3-way match works, because the plan tier for it is not clear. Confirm which ERP integration your tier includes.
Questions to ask Ramp before you sign
These are the points Ramp's public pages leave open. Get the answers in writing before procurement signs off.
- Is SCIM provisioning included, or a paid add-on?
- Where is our data stored, and can we choose the region?
- Can we sign your standard DPA without changes?
- What will the price be at renewal, and is the increase capped?
Things to know before a demo
- PO functions are a paid add-on and need Plus, so the $0 tier has no purchase orders.
- Plus fee has a platform component based on team size that the page does not quantify.
- ERP depth rises by tier: NetSuite and Sage Intacct only from Plus, Workday and Oracle from Enterprise.
- Procurement can match card transactions to POs, tying approval to actual spend.
- GetApp France comparison (a Gartner Digital Markets site) shows 4.9/5 from 220 reviews.
Head-to-head comparisons
Ramp FAQ
What is Ramp used for?
Companies content to adopt its card can begin free with QuickBooks Online or Xero, then move to Plus at $15 per user monthly plus a platform fee for NetSuite, Sage Intacct and approval workflows. Purchase orders require the Procurement add-on. Reviews praise receipt matching and mention occasional slow support. It suits companies that want cards, expenses and AP in one tool and are fine adopting its card.
Does Ramp support SSO?
Ramp states that SSO is supported with Okta, Google and Microsoft Azure. The plan that includes it is not stated, so confirm it before you buy.
Which plan includes audit logs on Ramp?
Audit logs are listed on Plus and Enterprise. SCIM, data residency and DPA terms are not published, so ask for them in writing.
Who is Ramp best for?
Companies that want cards, expenses and AP in one tool and accept its card, and teams that want a free entry tier with QuickBooks Online or Xero.
Vendor profile
- Founded
- 2019.
- Headquarters
- New York, US.
- Employees
- 1,200 (2025, Wikipedia) to 2,565 (TipRanks, July 2026)
- Funding or owner
- Reported $44B valuation June 2026; October 2026 press reports a raise near $60B (unconfirmed by company)
Sources
Every fact on this page comes from Ramp's own pricing, product or documentation pages, G2 and company records, checked on October 24, 2026. Unknown values are left out instead of estimated.