Key takeaways
- Company cards, bill pay and expense management with AI features.
- Best for: Businesses that want company cards with spend controls, Teams that want expense and bill pay in one tool.
- Pricing: Free plan, paid plans from $15 per user per month plus a platform fee for Plus, as listed on November 6, 2026.
- Business data: Ramp says it does not train its models on identifiable customer data.
What Ramp does
Ramp combines corporate cards with expense tracking, bill pay and invoicing. Its free plan covers a lot, and the Plus plan adds AI-driven reviews and coding. It connects to QuickBooks Online and Xero.
Who it’s for
A good fit for
- Businesses that want company cards with spend controls
- Teams that want expense and bill pay in one tool
Not a good fit for
- Owners who only need receipt capture
- Businesses that prefer to avoid a new company card
Ramp pricing
| Plan | Price |
|---|---|
| Free | $0 per user per month |
| Plus | $15 per user per month plus a platform fee based on team size |
| Enterprise | Custom, billed annually |
There is a free plan. As listed on Ramp’s pricing page on November 6, 2026. Prices change, so check the live page before you buy.
Key features
- Corporate cards
- Unlimited cards with card controls on the Free plan.
- Expense submission
- Submit expenses by text message or Slack with automatic receipt matching.
- Bill pay and invoicing
- Free includes invoice reading and approval workflows.
- AI on Plus
- Plus adds AI expense reviews, policy insights and auto-coded bill lines.
How to get started with Ramp
- Open the invitation email from Ramp and click the link.
- Create your account with a password or company single sign-on.
- Review the cards or limits your admin gave you.
- Verify your phone number and set up multi-factor authentication.
- Download the Ramp mobile app.
Steps based on Ramp’s own documentation. Menus change, so follow the live page if they differ.
Full walkthroughHow to Set Up Ramp for Your TeamAccounts, team invites, admin and data settings, connecting your apps, and three tasks to try first.Business data and privacy
Ramp says it does not train its models on identifiable customer data. Its general models learn from aggregated, masked data, and contract pricing data is used only if the customer opts in.
Source: Ramp’s own documentation.
Ramp alternatives
QuickBooks Online
by Intuit
Online accounting software with AI help from Intuit Intelligence.
Best for Businesses whose accountant already uses QuickBooks
Paid plans from $19 per month for the first 3 months then $38 per month for Simple Start
Xero
by Xero
Online accounting software with an AI finance assistant called JAX.
Best for Bookkeepers who already work in Xero
Paid plans from $27 per month for Early after the introductory offer
Dext
by Dext
Captures receipts and invoices and sends the data to your accounting software.
Best for Businesses that handle many paper receipts and invoices
Paid plans from $25.21 per month billed monthly
Expensify
by Expensify
Scans receipts and manages expense reports for teams.
Best for Teams that submit many receipts and mileage claims
Free plan, paid plans from $5 per unique member per month for Collect on pay-per-use
Rather hand it over?
Ramp: common questions
Is Ramp free?
Ramp has a free plan at $0 per user per month. Plus costs $15 per user per month plus a platform fee.
What does Ramp Plus add over the free plan?
Plus adds AI-driven expense reviews, auto-coded bill lines, more integrations and custom user roles. It includes a free trial.
Sources
Read on November 6, 2026. Vendors change prices and menus, so check the live page before you buy.
About the author
Andy Kang, AI Partner Team. Andy Kang writes the AI directory for AI Partner Team, which sets up and builds AI tools for small businesses alongside managed IT. Each page is written from the vendor’s own pricing, help and trust pages, and shows the day those pages were checked.
- Facts come from the vendor’s own website and help docs, linked on every page.
- Each page shows the date we last read those sources.
- We do not score or rank tools. We say who each one suits and who it does not.
- If a vendor does not publish a price, we say so instead of guessing.