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Ramp is an all-in-one finance automation platform designed to help businesses control spending before it happens and eliminate time-consuming manual tasks. The software combines corporate cards, expense management, accounts payable, procurement, travel booking, accounting automation, and treasury services into a single system that integrates directly with existing accounting and business tools.
The platform enables finance teams to set policies that enforce themselves through customizable approval flows, pre-approved funds, and cards with built-in controls that prevent out-of-policy spending. Ramp monitors transactions around the clock to catch policy violations, identify errors, and highlight areas where companies are overspending. Automated workflows handle expense categorization, receipt matching, and accounting synchronization, reducing the manual effort required to close books each month.
Ramp serves businesses of all sizes, from startups to global enterprises, across 50,000 companies. The platform processes over one billion dollars in spend monthly and supports operations in 195 countries with payments in over 40 currencies. Teams can issue unlimited physical and virtual cards with no extra cost, manage vendor relationships through automated tracking and contract extraction, and access price intelligence data to negotiate better software pricing.
Finance automation features include AI-powered invoice processing with optical character recognition, automated batch payments, three-way matching with purchase orders, and real-time budget tracking versus actuals. The platform integrates with major accounting systems like QuickBooks, Xero, NetSuite, Sage Intacct, Workday, and Oracle Fusion Cloud, as well as HRIS platforms for continuous employee data synchronization.
Treasury capabilities allow businesses to earn interest on cash balances through FDIC-insured business accounts and investment accounts, with no fees, minimum deposits, or transfer caps. Bill payment features support same-day ACH and free domestic and international wires. Global teams benefit from locally funded reimbursements paid in local currency within two days and the ability to manage multi-entity operations with custom visibility restrictions.
- Automate receipt collection and expense categorization to reduce manual data entry for finance teams
- Issue virtual cards with spending limits and category restrictions to control employee purchasing
- Process vendor invoices with AI-powered OCR and route approvals based on department and accounting rules
- Track software vendor contracts and benchmark pricing against thousands of companies to negotiate better rates
- Create custom travel policies based on role, department, and location to ensure compliance
- Integrate with accounting systems to automatically code transactions and accelerate monthly close
- Monitor real-time budget performance across departments and receive alerts for spending thresholds
- Pay global vendors in local currencies and reimburse international employees within two days
- Set up approval workflows that route expense requests based on amount, category, or general ledger code
- Earn interest on idle cash through business accounts while maintaining access to free wire transfers
- Manage multi-entity businesses with consolidated reporting and entity-specific access controls
- Leverage AI agents to recommend approvals, flag policy violations, and extract contract details
