Corporate Cards
Unlimited physical and virtual cards with spending limits, merchant and category controls set per employee, department, or vendor.
- Dedicated virtual cards per subscription
- Limits that reset by day, month, or project
- Lock or adjust cards instantly
Expense Management
Employees text or upload receipts, and Ramp matches them to transactions automatically. AI-assisted policy review flags out-of-policy spend.
- Receipts via SMS, email, Slack, or app
- Automatic receipt matching
- Out-of-pocket reimbursements
Bill Pay & Accounts Payable
Upload or forward invoices. Ramp reads them, routes them for approval, and pays vendors by ACH, card, check, or wire.
- AI invoice capture
- Approval workflows by vendor or amount
- Automated fraud checks & 1099 support
Accounts Receivable
Create invoices, accept payments by ACH, card, or check, and let Ramp handle customer follow-ups and cash application.
- Invoice creation
- Automated customer reminders
- Payments applied to the right invoice
Accounting Automation
Transactions are coded to your GL accounts, classes, and locations, then synced to your accounting system, so the close starts early.
- QuickBooks Online & Xero sync
- NetSuite, Sage Intacct & more on paid plans
- Accruals, amortization, multi-entity
Budgets & Reporting
Track spend against budgets in real time, build custom reports, and ask questions about your spending in plain English.
- Budget vs. actual tracking
- Custom & AI-generated reports
- Scheduled report sharing
Procurement & Vendors
Request, approve, and track purchases before money moves. Vendor records, contracts, and price checks are kept in one place.
- Purchase requests & POs
- Contract tracking & renewal alerts
- Price intelligence on vendors
Travel & Global Spend
Book flights, hotels, and cars within your travel policy. Growing companies can pay vendors and reimburse staff in local currencies.
- In-platform travel booking
- Custom travel policies
- Multi-currency cards & payments
Business Banking*
Optional business accounts can sit alongside your cards and bill pay, with yield on operating cash and free same-day transfers via Bill Pay.
- Operating cash in the same platform
- No minimums or account fees
- Works with your existing bank too
Features summarized from Ramp's published product and pricing pages (ramp.com, October 2026). Feature availability varies by plan and is subject to change. *Ramp is a financial technology company, not a bank. Banking services are provided by Ramp's partner banks; see ramp.com for current rates, terms, and disclosures.