Lunch Money ◆
Lunch Money is a personal finance tracker that auto-categorizes transactions and lets you set recurring budgets with rollover rules.
Free·from $10/mo
About Ramp
What is Ramp and what problem does it solve?
Ramp replaces manual expense reporting, messy reimbursement, and disconnected spend tools with a single platform that automates corporate card management, expense tracking, accounts payable, travel booking, and procurement. It solves the problem of out-of-policy spending, slow month-end closes, and time wasted on manual receipt reconciliation. Finance teams get real-time visibility into every dollar spent, with controls that block unauthorized purchases before they happen.
Who is Ramp for?
Ramp is designed for startups, growing SMBs, and mid-market companies (trusted by 70,000+ businesses including Notion, Shopify, Webflow, and Eventbrite). It's ideal for finance teams that want to close books 75% faster and run intake-to-pay 3x more efficiently. It is not suited for very small one-person operations that don't need corporate cards or AP automation, or for enterprises requiring highly customized ERP workflows beyond what the Enterprise plan offers.
Real use cases
Finance teams issue instant virtual cards for each software subscription with per-vendor limits, gaining real-time visibility into SaaS spend without sharing card numbers. For travel, employees book flights and hotels within policy enforced at booking time. With accounts payable, a vendor invoice is dragged into Ramp, automatically matched to a PO, coded to the correct GL account, routed for approval, and paid — in a fraction of the time needed with legacy tools like Bill.com.
Key features
- Corporate Cards — Unlimited physical and virtual Visa cards with preset controls by vendor, category, and amount; no personal credit checks or guarantees.
- Expense Automation — Auto-receipt capture at card swipe with AI-filled memos and categories; submit via SMS, Slack, or mobile; auto-approve in-policy expenses.
- Accounts Payable — OCR with 99% accuracy, four AI agents for coding, fraud checks, approval routing, and payment; pay via ACH, card, check, or wire with zero processing fees on domestic ACH.
- Travel Management — Book flights, hotels, and car rentals with policy enforcement at booking; hotel rate monitoring and 24/7 phone support on Plus plans.
- Real-Time Dashboard — Monitor cash flow, spending patterns, and budgets vs. actuals in one view with custom reports and AI-driven insights.
- Fraud Detection — Machine learning flags unusual transactions and auto-locks cards when compliance is unmet.
- Accounting Sync — Integrates with QuickBooks Online, Xero, NetSuite, Sage Intacct, and more for automatic reconciliation.
SaaSpartout Score
8.1
/10
Editorial score from our review methodology — not user ratings.
Ramp Pricing
Ramp pricing: Free plan available · Plus from $15/mo/user + platform fee · Enterprise custom. Billing model: Free.
Free Plan — $0/mo per user
Best for smaller teams. Includes: unlimited corporate cards, card issuing controls, travel & expense management (expenses via SMS or Slack, auto-receipt collection, custom travel policy), accounts payable (automated invoice extraction, configurable approval workflows, automated fraud checks, pay by ACH/card/check/wire), basic accounting rules, QuickBooks Online & Xero integrations, custom reports and AI reporting, vendor management, and treasury (earn yield on cash, no fees). No monthly fees; interchange fees apply.
Plus Plan — $15/mo per user + platform fee based on team size
Save 20% with annual billing. Everything in Free, plus: AI-driven expense reviews and policy insights, auto-lock cards when compliance is unmet, 24/7 phone support for travel bookings, auto-coded line items, AI-driven approval recommendations, automated batch payments, payment release approvals, procurement add-on (advanced intake workflows, AI vendor compliance reviews, automated PO creation, three-way match), NetSuite/Sage Intacct integrations, AI coding for every accounting field, support for multi-entity businesses, global coverage with auto tax capture and coding, share live reports, budget vs. actuals tracking, custom user roles, audit log.
Enterprise Plan — Custom pricing (annual billing)
Everything in Plus, plus: Workday & Oracle Fusion Cloud integrations, locally funded reimbursements, local currency card payments and issuing in 30+ countries, dedicated account and success manager, priority 24/7 global support, custom implementation scoping, integration setup and validation testing, employee provisioning. Contact sales for a quote.
All plans offer a free trial — no credit card required. Ramp also offers a $3,100 signup bonus for qualifying new customers (terms apply).
Frequently asked questions
Is Ramp free?
Yes, Ramp offers a Free plan with no monthly fees (interchange fees apply on card transactions). It includes unlimited corporate cards, expense management, AP, and basic accounting integrations. Paid tiers start with the Plus plan at $15/mo per user.
How does Ramp work?
Ramp connects to your bank account and accounting software, issues Visa corporate cards (physical and virtual) with real-time spend controls, automates receipt capture, matches transactions to receipts, enforces budgets, and syncs everything to your accounting tools. Employees can request cards with limits, and finance teams monitor cash flow in a dashboard.
Who is Ramp best for?
Ramp is best for startups, SMBs, and mid-market companies (70,000+ customers like Notion, Shopify, Webflow) that want to control employee spending, automate expense reports, and close books faster. It's ideal for finance teams tired of manual reconciliation and managing paper receipts.
What are the top Ramp alternatives?
Top alternatives include Brex (corporate cards with rewards), Expensify (expense reporting), Bill.com (AP automation), and Airbase (spend management). Ramp differentiates with AI-driven automation, no personal guarantees, and a free tier.
Does Ramp have a free trial?
Yes, all plans start with a free trial — no credit card required. You can upgrade to Plus or Enterprise at any time.
What integrations does Ramp support?
Ramp integrates with QuickBooks Online, Xero, NetSuite, Sage Intacct, Workday, Oracle Fusion Cloud, and more for accounting sync. It also connects via Slack, Microsoft Teams, and email for expense submissions.
