Ramp — Finance & Accounting

Ramp replaces traditional corporate cards with a system that automatically categorizes expenses, enforces budgets, and syncs with your accounting software. It issues physical and virtual cards with per-employee limits and real-time alerts.

What it does

Ramp connects to your bank account and accounting tools (QuickBooks, Xero, NetSuite) to automatically match receipts to transactions. It uses machine learning to flag unusual spending and provides a dashboard for CFOs to monitor cash flow. Employees can request cards with specific limits and expiration dates.

Best for

• Startups and SMBs wanting to control employee spending
• Finance teams tired of manual expense report reconciliation
• Companies needing real-time visibility into cash flow

Strengths

• Automatic receipt matching and expense categorization
• Real-time spend alerts and budget enforcement
• Seamless integration with QuickBooks, Xero, and NetSuite
• Virtual and physical cards with customizable limits

• Corporate Cards — Issue physical and virtual cards with per-employee spending limits
• Expense Automation — Automatically matches receipts to transactions and categorizes expenses
• Budget Controls — Set department-level budgets and receive alerts when limits are approached
• Accounting Sync — Integrates with QuickBooks, Xero, and NetSuite for seamless reconciliation
• Real-Time Dashboard — Monitor cash flow and spending patterns in one view
• Fraud Detection — Machine learning flags unusual transactions automatically

Ramp pricing: Free (no monthly fees) · interchange fees apply. Billing model: Free.

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