Prosper
Financial Services · United States · Enterprise
Runs with NetSuite15% travel cost reduction, 30 hours/month saved, 90%+ bill automation
- Trips
- 500+ at $0 fees
- Trips
- Time Savings
- 30 hours/month
- Time Savings
- Cost Reduction
- 15%
- Cost Reduction
Ramp
by Ramp · Expense Management
Corporate cards with expense management, bill pay and accounting automation.
Updated August 2026 · By the ERP Research Editorial Team · Independent and vendor-neutral.
- Works with
- NetSuite
Sage IntacctQuickBooks
Microsoft Dynamics 365Xero - Deployment
- Cloud
- Company size
- SMB, Mid-market, Enterprise
- Pricing
- Free tier available
- Founded
- 2019
- Headquarters
- New York, New York, USA
Overview
Ramp is a financial operations platform that combines corporate charge cards, expense management, bill payment and accounting automation. Founded in 2019 and headquartered in New York City, Ramp markets itself on helping companies save money by automating expense capture, enforcing policy automatically and surfacing savings opportunities.
The expense experience is card-led: Ramp issues physical and virtual cards, prompts employees by text or app to submit a receipt photo when a charge is detected, and then categorizes and codes the transaction automatically. Finance teams set spend rules by card, vendor, category or department that Ramp enforces at the card level, and approvals can be automated. Ramp has added AI capabilities, including an AI agent that applies expense policy to transactions to automate review and approvals.
Ramp targets startups through enterprises and is offered with a free core tier, monetizing through interchange on card spend and paid higher tiers. It syncs coded transactions into general ledgers such as NetSuite, Sage Intacct, QuickBooks, Xero and Microsoft Dynamics 365.
Screenshots & demo
Demo video from the vendor's YouTube channel. Screenshots sourced from Ramp.
Modules & capabilities
Ramp covers 20 of 47 capabilities we track in this category
43%- Receipt OCR captureReceipt OCR and matchingSupported
- Mobile app receipt captureNot evidenced
- Email-forwarded receipt captureEmail-forwarded receipt captureSupported
- Multi-currency expense captureNot evidenced
- Receipt itemizationNot evidenced
- Duplicate expense detectionNot evidenced
- Mileage tracking and reimbursementMileage and per diem reimbursementSupported
- Per diem automationMileage and per diem reimbursementSupported
“Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo.
Common use cases
- Startups and growth companies replacing manual expense reports with card-led automation
- Finance teams enforcing spend policy automatically at the card level
- Automating receipt collection and GL coding for high card-transaction volume
- Consolidating corporate cards, bill pay and reimbursements in one platform
- Syncing coded transactions into NetSuite or Sage Intacct in real time
- Using AI to auto-review and approve routine expenses
- Surfacing cost-savings and duplicate-subscription opportunities
Strengths & considerations
Strengths
- Card-led model with automatic policy enforcement at the point of spend
- Free core tier monetized via interchange rather than per-seat fees
- AI Policy Agent that automates expense review and approval
- Strong focus on identifying savings and reducing wasteful spend
Considerations
- Card issuance and banking features are primarily US-centric
- Deepest value depends on adopting Ramp cards rather than being fully card-agnostic
Ramp customer case studies
How companies use Ramp alongside their ERP — pulled from Ramp's published customer stories, with the ERP each customer runs where they state it.
Runs with NetSuiteABB Optical
Healthcare · United States · Enterprise
Audits completed in days instead of months, 85-90% error reduction, real-time compliance, strategic capacity unlocked
- Savings
- $2M+
- Savings
- Audit Time
- 2 months to 1-2 days
- Audit Time
- Error Reduction
- 85-90%
- Error Reduction
Foursquare
Software & Technology · United States · Mid-Market
4x faster PO processing, eliminated rogue contracts, reduced software stack by 30%, 2x team capacity without headcount
- Process Speed
- 4x faster
- Process Speed
- Spend Coverage
- 100%
- Spend Coverage
- Tool Reduction
- 30%
- Tool Reduction
The Second City
Hotel, Restaurant & Leisure · United States · Enterprise
Runs with NetSuiteMonth-end close accelerated by 8 days, significant cost savings, improved visibility by location
- Cost Savings
- $40,000 annually
- Cost Savings
- Spend Volume
- 90%
- Spend Volume
- Close Acceleration
- 8 days
- Close Acceleration
Snapdocs
Software & Technology · United States
Runs with QuickBooks
Month-end reconciliation under 30 minutes, 84% auto-coded transactions, 1M+ in savings
- Savings
- $1M+
- Savings
- Auto Coded
- 84%
- Auto Coded
- Reconciliation Speed
- 91% faster
- Reconciliation Speed
Zola
Consumer Services · United States · Mid-Market
Month-end close accelerated to 10-12 days, 85% transaction automation, improved visibility
- Auto Coded
- 85%
- Auto Coded
- Automation
- 10+ hours/month
- Automation
- Expense Savings
- 3+ hours/month
- Expense Savings
These customers also appear in ERP implementation stories
The same companies show up in our library of ERP implementation case studies — useful for seeing what the wider stack around this add-on looks like.
- Glossier · NetSuite ERP
- Poshmark · NetSuite ERP
- Notion · NetSuite ERP
Summarised from each vendor's published customer stories. Figures are the vendor's own claims, not independently verified by ERP Research. See all 20 Ramp case studies →
Used Ramp with your ERP? Rate it in 30 seconds — it helps every buyer after you.
Rate itERP integrations
NetSuiteRamp for NetSuite
Prebuilt connectorBi-directionalJournal entriesVendor billsReimbursementsVendorsSubsidiaries
Ramp describes this as a Certified "Built for NetSuite" SuiteApp with two-way sync and OneWorld multi-entity support.
Sage IntacctRamp for Sage Intacct
Prebuilt connectorPushes to ERPJournal entriesVendor billsReimbursements
Native Sage Intacct sync for card, bill and reimbursement data.
QuickBooksRamp for QuickBooks Online
Prebuilt connectorPushes to ERP
Native QuickBooks Online sync; a separate Desktop connector also exists.
Microsoft Dynamics 365Ramp for Dynamics 365 Business Central
Prebuilt connectorPushes to ERP
Covers Dynamics 365 Business Central; a separate connector covers Finance & Operations.
AcumaticaRamp for Acumatica
Prebuilt connectorPushes to ERP
Native Acumatica connector listed on Ramp's integrations page.
Oracle Fusion CloudRamp for Oracle Fusion Cloud Financials
Prebuilt connectorPushes to ERP
Native Oracle Fusion Cloud Financials connector.
WorkdayRamp for Workday Financial Management
Prebuilt connectorPushes to ERP
Native Workday Financial Management connector.
Connector details independently verified against vendor marketplaces and documentation; last checked 2026-08-11.
Pricing
Full Ramp pricing breakdown — cost at 25/100/500 seats, competitor rates & FAQs
Core platform is free; revenue comes primarily from card interchange. Paid plans (e.g., Plus/Enterprise) add advanced controls, integrations and support. Get an independent shortlist with pricing guidance below.
What does Ramp cost?
Ramp does not publish a price. This is the going rate across the 3 expense management vendors that do — use it to sense-check the quote you get.
Technical & security
- Hosting
- SaaS (multi-tenant)
- Compliance
- SOC 2, PCI DSS
- Mobile app
- Yes
- Languages
- English
About the vendor
- Founded
- 2019
- Headquarters
- New York, New York, USA
- Employees
- ~3,700
- Ownership
- Private
Alternatives to Ramp in Expense Management
BILL Spend & ExpenseCorporate cards with budgeting and expense management for SMBs.BrexCorporate cards and AI spend platform for expenses and travel.EmburseExpense management and corporate cards spanning SMB to enterprise.ExpensifyReceipt scanning, expense reporting and reimbursement for teams.FyleCard-agnostic expense management with real-time receipt tracking.NavanCorporate travel booking and expense management with reconciliation.
Ramp — frequently asked questions
Does Ramp charge a per-user fee?
The core platform is free; Ramp earns revenue mainly through interchange on card spend, with optional paid tiers adding advanced features.
Can Ramp manage out-of-pocket reimbursements, not just card spend?
Yes. Ramp supports out-of-pocket expense submission, mileage and reimbursements in addition to its corporate cards.
Which accounting systems does Ramp sync with?
Ramp integrates with NetSuite, Sage Intacct, QuickBooks, Xero and Microsoft Dynamics 365 Business Central, among others.
What is the AI Policy Agent?
It is an AI feature that applies a company's expense policy to transactions to automate expense review and approvals.
Compare Ramp head-to-head
Free PDF · Vendor-neutral · No sales calls
The Expense Management Buyer's Guide
Before you commit to Ramp, see how it sits against the 13 expense management systems we track — on capability, ERP integration depth and what each one actually charges for.
Expense Management Buyer's Guide
13 systems compared · 2026
ERP Research
- Ramp compared side-by-side with 12 alternatives
- ERP integration checklist — what to verify before you shortlist
- The pricing questions that change the quote
- A Ramp evaluation brief, included with the guide
Free Download
Expense Management Buyer's Guide
Get pricing for Ramp
Ramp doesn't publish a price. Tell us your ERP, seat count and must-haves and we'll come back with an independent view of what it should cost you — and which alternatives are worth quoting alongside it.