Ramp

AI-powered finance platform that helps companies spend less

Ramp is a New York-based financial operations platform combining corporate cards, expense management, bill pay, vendor management, travel, and accounting automation into a single system with AI built throughout. Founded in 2019, it reached over 50,000 business customers and $1B+ in annualized revenue as of 2025–2026, across company sizes from early-stage startups to large enterprises. Its core differentiation from legacy expense and card platforms is a proprietary AI layer — called Ramp Intelligence — that reasons about each transaction against company policy and flags exceptions, rather than relying on static rules. In 2025 Ramp launched dedicated AI agents for controllers that autonomously enforce expense policies, and it reports over 99% accuracy on expense approval decisions compared with human reviewers. The free core product (corporate card + basic expense management) with paid upgrades makes it accessible to companies that won’t pay enterprise-only pricing.

Compliance

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Key Features

Ramp Intelligence: A proprietary AI layer running across the full platform that codes expenses, transcribes invoices, enforces policy, detects fraud, and identifies cost-saving opportunities automatically.
AI agents for controllers: Specialized agents that review and approve low-risk transactions autonomously, flag policy violations, and provide audit-ready explanations for every decision — designed to reduce manual review volume.
Corporate card program: Physical and virtual cards with spend controls and limits built in at the point of issuance rather than enforced retroactively.
Bill pay and AP automation: Automated invoice transcription, GL coding, and payment processing, with agents that handle exceptions and vendor communications.
Ramp Budgets: Real-time, AI-connected budget tracking tied directly to live spend data, replacing spreadsheet-based budget management.
Ramp Treasury: Institutional cash management within the platform, launched in early 2025, allowing companies to manage idle cash without leaving the Ramp ecosystem.

Use Cases

For fast-growing startups: A Series A–C company replaces fragmented card and expense tools with Ramp’s single platform, reducing manual finance work without hiring additional headcount.
For enterprise finance teams: A larger company deploys Ramp’s AI agents to automate the first-pass review of thousands of monthly transactions, with humans reviewing only flagged exceptions.
For companies closing books faster: A finance team uses Ramp’s automated coding, reconciliation, and bill pay to compress month-end close from days to hours.

Pricing MODELS

Freemium

Pricing Summary

Freemium model: the core product (corporate card, basic expense management) is free. Advanced features — including higher-tier automation, deeper accounting integrations, and premium support — are available on paid plans. Pricing for paid tiers and enterprise is not fully publicly listed; contact sales for custom enterprise pricing.