Ramp: expense management software platform

Ramp prints $0/mo/user for Free and $15/mo/user for Plus, and the Plus figure is not the Plus price. Next to it sits the line plus platform fee based on team size, with no number attached. Checked 16 October 2026, that makes the Plus invoice unknowable from the page, which is the single most important thing to know about Ramp's pricing.

Rajat GuptaEditorial LeadReviewed 16 October 2026Pricing checked 16 October 2026 against the Ramp pricing page

Ramp in brief

Ramp prints $0/mo/user for Free and $15/mo/user for Plus, and the Plus figure is not the Plus price.

Price: $0/mo/user (Free) · Per user per month plus an unpublished platform fee based on team size
Best for: Teams starting on a free card and expense platform and growing into multi-entity
Watch out for: You give up the ability to model your own bill, and that is unusual for a vendor that publishes a rate card at all.

The short answer

Buy Ramp if you want corporate cards, travel and expense, accounts payable and accounts receivable on one platform and you can live on the Free plan for a while, because Free at $0/mo/user covers unlimited cards, OCR invoice extraction, approval workflows, QuickBooks Online and Xero sync, and a custom report builder. That is an unusually generous entry tier, and running it on production data costs you nothing but configuration time.

Skip it if you need a defensible three-year software line before you sign, because the Plus tier adds an unpublished platform fee scaled to team size and you cannot work out the total from anything Ramp publishes. Skip it if your system of record is Workday, Oracle Fusion Cloud or Dynamics F&O, since those connectors sit in the quote-only Enterprise tier. And skip it if purchase orders and three-way matching are the reason you are buying, because Procurement is an unpriced add-on rather than part of any tier.

Where Ramp fits

Ramp's shape is unusual: the free tier is a real product rather than a demo. Free is listed at $0/mo/user and includes unlimited physical and virtual cards with issuing controls, travel booking with auto-receipt collection and matching, accounts payable with OCR invoice extraction and configurable approval workflows, accounts receivable with invoicing and automated customer follow-up, basic accounting rules with QuickBooks Online and Xero integrations, a custom report builder, and vendor management with contract extraction and price intelligence. Most vendors in this category charge for that list. Ramp's footer claims 85,000+ businesses, and a large share of them are presumably on the plan that costs nothing.

That makes the real question not whether to buy Ramp but when you are forced off Free. The named features that push you up are specific and easy to check against your own stack. NetSuite, Sage Intacct, Acumatica and Microsoft Dynamics 365 Business Central integrations start on Plus. So do multi-entity support and multi-entity visibility restrictions, custom user roles, the audit log, auto-coded line items in AP, automated batch payments, payment release approvals, parallel approvers, and the AI layer that reviews expenses and auto-locks cards when a receipt is missing. If none of those is in your requirements list, Free is not a trial, it is the answer.

Ramp is card-first in a way that shows up in the controls. The product is a corporate liability charge card with competitive credit limits rather than a software licence with a card attached, and the controls reflect that: card issuing controls, category and vendor controls, spend limits with preset accounting codes, and on Plus the ability to automatically lock cards when required receipts or items are not submitted on time. Ramp's own FAQ confirms there is no limit on how many virtual and physical cards you issue, and that you can pay for Ramp Plus with ACH or with the rewards earned on Ramp card spend.

The AP and AR coverage is broader than most card-led platforms. Bills are paid by check, ACH, card and wire, invoices arrive by OCR or CSV upload or ERP import, and approval rules route on vendor, department, accounting field and payment type. Three-way match works against imported purchase orders on the main tiers and against Ramp's own purchase orders only through the Procurement add-on. On the receivables side, invoice creation, automated customer follow-up and cash application are in the base product, while automated revenue recognition schedules and recurring billing schedules are marked as requiring the Accounts Receivable add-on. Neither add-on carries a published price.

Where Ramp stops is global and enterprise depth, and the boundary is drawn clearly in the plan comparison. Locally funded reimbursements, paying card statements in local currency, funding bill payments in local currency and local card issuing in 30+ countries are all Enterprise. So are the Workday, Oracle Fusion Cloud and Microsoft Dynamics F&O connectors, continuous HRIS sync, a dedicated account and customer success manager, priority 24/7 global support, custom implementation scoping, integration setup and validation testing, employee training, and custom development and ERP extensions. Enterprise is annual billing and custom priced, so a multinational with a tier-one ERP is in a quote conversation from the first call.

Ramp pricing

Ramp publishes two tier prices and one of them is incomplete in a way that matters more than anything else on the page. Checked on 16 October 2026, Free is $0/mo/user and Plus is $15/mo/user. Directly beneath the Plus figure Ramp prints the line plus platform fee based on team size, and it never says what that fee is. So the published Plus price is not the Plus price: it is one of two components, and the other one is withheld. Two companies with identical headcount can be quoted different totals, and anyone comparing Ramp's per-seat rate against a competitor's per-seat rate is comparing a partial number with a whole one. Say that out loud in your evaluation, because the page will not.

What Ramp publishes

Free: $0/mo/user (Monthly, per user)Unlimited corporate cards with issuing controls, travel and expense with auto-receipt collection and matching, accounts payable with OCR invoice extraction and approval workflows, accounts receivable with invoicing and automated follow-up, basic accounting rules with QuickBooks Online and Xero, custom report builder and AI reporting, vendor management with price intelligence.
Plus: $15/mo/user plus an unpublished platform fee based on team size (Monthly or annual, per user, plus a platform fee scaled to team size. Annual billing saves 20%.)Everything in Free, plus AI-driven expense reviews and policy insights with auto-locking cards, auto-coded line items and automated batch payments in AP, NetSuite, Sage Intacct, Acumatica and Dynamics 365 Business Central integrations, multi-entity support and visibility restrictions, custom user roles and an audit log.
Enterprise: Custom (Annual billing, custom contract)Everything in Plus, plus Workday, Oracle Fusion Cloud and Dynamics F&O integrations, locally funded reimbursements and local currency card issuing in 30+ countries, a dedicated account and customer success manager with priority 24/7 global support, custom implementation scoping, integration setup and validation testing, employee training, custom development and ERP extensions.

As published on the Ramp pricing page and checked on 16 October 2026. The Plus platform fee is printed as a line of text with no figure, which is why this record is partial rather than published.

Four things move the bill, and the first one is the reason this page exists.

The platform fee, which is the biggest unknown in the whole category. Ramp prints $15/mo/user for Plus and then adds plus platform fee based on team size with nothing after it. That means the per-seat rate alone will understate your invoice, and by an amount you cannot estimate honestly. Get the fee quoted in writing at your current headcount and at the headcount you expect in two years, and get the step points named, because they are not published anywhere on the page.
Team size, which drives both halves of the Plus price at once. The per-user rate multiplies by seats and the platform fee is explicitly scaled to team size, so growth compounds through the bill in two directions. A model that assumes a linear per-seat cost will be wrong in the direction that hurts, and it will be wrong by more the faster you hire.
Billing term. Ramp's page says you save 20% with annual billing on Plus, and Enterprise is shown as annual billing only. Monthly flexibility therefore carries a premium at the paid tiers, and the Enterprise tier removes the option entirely. Ask whether the platform fee is also discounted on annual terms or only the per-seat rate, because that detail decides how much the 20% is actually worth.
Add-ons, which are sold outside the tiers rather than inside them. Procurement is listed as an add-on to Plus or Enterprise and carries no published price, and it holds advanced intake and approval workflows, AI-driven vendor compliance reviews, automated PO creation and tracking, and three-way match against Ramp purchase orders. Automated revenue recognition and recurring billing schedules are marked as requiring an Accounts Receivable add-on, also unpriced. If either is why you are buying, insist on it as a separate line.

What costs extra

Procurement, an add-on to Plus or Enterprise: advanced intake and approval workflows, AI-driven vendor compliance reviews, automated PO creation and tracking, three-way match with Ramp purchase orders, and integrations with CLM, TPRM and ticketing tools. No price published.
An Accounts Receivable add-on is required for automated revenue recognition schedules and recurring billing schedules. No price published.
1099 filing for NEC and MISC forms is listed at 65 cents per IRS filing, with free state filing. It is the only unit fee on the page with a number next to it.
Enterprise services such as custom development, ERP extensions and custom policy configuration are listed as Enterprise plan inclusions rather than separately priced add-ons, which means they arrive inside the custom quote.

Implementation and commercial terms

These rows are what the Ramp pricing page and its FAQ confirm as of 16 October 2026. The absences are the point: where a row says unpublished, that is a question for sales and not a sign that the item is free.

Published price: Partly. Free at $0/mo/user and Plus at $15/mo/user, but the Plus platform fee is unpublished and Enterprise is custom.
Billing basis: Per user per month, monthly or annual on Plus, annual only on Enterprise.
Annual discount: Ramp's page says annual billing saves 20% on Plus.
Platform fee: Charged on Plus, scaled to team size, never published. Ask for it in writing.
Implementation fee: None published. Implementation scoping, integration setup and employee training are Enterprise inclusions, priced inside the quote.
Trial: Ramp's FAQ says you can sign up for a free 30-day trial of Plus and switch plans at any time; the Free plan carries no time limit.
Paying for Plus: Ramp says you can pay for Plus by ACH or with rewards earned on Ramp card spending.

Budget Ramp in two steps, and refuse to skip the second. Step one is easy: your seat count at $15/mo/user on Plus, less 20% if you commit annually. Step two is the one Ramp has left blank, and until you have the platform fee at your headcount in writing you do not have a number, you have half of one. Ask for both components separately, ask what the fee does at the next step point, and put the combined figure, not the per-seat figure, next to any competitor's price. The honest alternative is also attractive: run Free, which costs nothing and covers cards, expenses, AP, AR and QuickBooks or Xero sync, and only move to Plus when a named feature such as NetSuite sync, multi-entity support or the audit log forces it. That way the platform fee becomes a decision you make with evidence rather than a surprise on an invoice.

Source: the Ramp pricing page, checked 16 October 2026. Confirm current prices with the vendor before you budget.

What Ramp gives up

You give up the ability to model your own bill, and that is unusual for a vendor that publishes a rate card at all. Ramp is transparent enough to print $15/mo/user and transparent enough to admit a platform fee exists, then stops short of the figure that would make either number useful. The effect is worse than publishing nothing, because a reader who glances at the page leaves believing they know the price. If you are presenting Ramp to a board, write the platform fee into the paper as an unknown rather than letting the per-seat rate stand as the cost.

You give up a clean comparison against every competitor in the category. Brex publishes a flat per-user rate. Navan publishes a free tier and a single expense rate. SAP Concur publishes starting per-report figures. In each case you can at least construct a floor. With Ramp Plus you cannot, because the missing component scales with the same variable, team size, that drives the part you can see. The practical consequence is that Ramp's per-seat rate will look competitive in any spreadsheet built from published figures, and that comparison is not valid.

You give up purchase orders unless you pay separately. Procurement is an add-on to Plus or Enterprise, not a tier feature, and it holds the things a procurement-led buyer actually wants: custom intake, an advanced workflow builder, automated PO creation and tracking, AI-driven vendor compliance reviews and three-way match against Ramp's own purchase orders. Three-way match on the base tiers works only against purchase orders imported from elsewhere. If you are replacing a procurement process rather than an expense process, that add-on is the product and its price is not public.

You give up global operation below the Enterprise tier. Locally funded reimbursements, paying card statements and funding bill payments in local currency, and local card issuing in 30+ countries are all Enterprise-only, as are the Workday, Oracle Fusion Cloud and Dynamics F&O connectors and continuous HRIS sync. A company with subsidiaries that reimburse staff in their own currencies cannot assemble that from Free and Plus, which means the realistic entry point for a multinational is an annual, custom-priced contract with no published anchor at all.

You give up banking certainty in the sense that Ramp is not a bank, and the page says so. Ramp Business Corporation is a financial technology company, deposit services are provided by First Internet Bank of Indiana, and the cards are issued by a list of partner banks that differs by country: Celtic Bank and Column N.A. in the United States, Sutton Bank and Lead Bank for other card products, Peoples Trust Company in Canada, Stripe Payments UK and Stripe Technology Europe in the UK and EEA. None of that is a problem, and all of it is worth reading before treasury signs off, because the counterparty you end up with depends on which product and which country you are in.

How Ramp compares

In spend management the first useful cut is how much of the price you can read before a sales call, and Ramp is the instructive case: it publishes a per-seat rate and withholds the fee that sits beside it. Brex publishes two flat per-user rates. Navan publishes a free tier and one expense rate. SAP Concur publishes two starting per-report figures. Every figure below comes from that vendor's own pricing page, checked on 16 October 2026, and anything unpublished is recorded as unpublished rather than estimated.

Tool	Best for	Price	Where it breaks
Ramp	Companies that can live on a genuinely capable free tier and step up for NetSuite and multi-entity	$0/mo/user (Free), $15/mo/user (Plus) plus an unpublished platform fee	The Plus platform fee is scaled to team size and never published, so the Plus total is unknowable from the page
Brex	Teams wanting cards, expenses, bill pay and travel with a flat, fully published per-user rate	$0 user/month (Essentials), $12 user/month (Premium)	Product fees exist but are unpublished, and unlimited entities sit in a quoted Enterprise tier
Navan	Travel-heavy programmes under 300 employees that want booking and expense in one place	Free up to 300 employees; expense free for 5 users then $15 per user per month	Above 300 employees everything moves to an unpublished Enterprise quote
SAP Concur	Large expense programmes where report volume rather than headcount is the natural billing unit	Starting at $7 per report (Base), starting at $11 per report (Plus), unlimited users	No volume breaks are published and travel only appears in the custom-priced Premium tier

What to test in a Ramp trial

You have two ways in. The Free plan has no time limit and covers cards, expenses, AP, AR and QuickBooks or Xero sync, and Ramp's FAQ says you can also sign up for a free 30-day trial of Plus and switch plans at any time. Use the free period for the functional work and the sales conversation for the one thing the page will not tell you.

Ask for the platform fee before you do anything else, in writing, at your current headcount and your projected headcount in two years, with the step points named. This is the only number that matters and it is the only one Ramp does not publish. If a rep gives it to you verbally, send a summary email back. Everything else in this list can wait; this cannot.
Run Free on production data and find out what actually breaks. Issue real cards, push real invoices through OCR and approval, invoice a real customer, and sync to QuickBooks Online or Xero. The honest outcome of this test is often that nothing breaks, in which case the platform fee is a cost you have not yet needed to incur. Keep a list of the specific moments Free was not enough, because that list is your upgrade business case.
Test the named Plus features against your own requirements rather than the feature grid. The ones that most often force the step are NetSuite or Sage Intacct sync, multi-entity support and visibility restrictions, custom user roles, the audit log, payment release approvals and automated batch payments. Confirm each one you need works on your chart of accounts and your entity structure during the 30-day Plus trial, not after.
Price Procurement as a separate line if purchase orders are in scope. Three-way match against Ramp's own purchase orders, automated PO creation, custom intake and AI-driven vendor compliance reviews all sit in the add-on. Ask for its price, ask whether it is per user or a platform charge of its own, and ask whether it stacks on top of the Plus platform fee or replaces part of it.
Settle the commercial terms while you still have the free plan as an alternative. Get the annual versus monthly comparison including whether the 20% annual saving applies to the platform fee or only the seat rate, confirm the 65 cents per IRS filing figure for 1099s against your filing volume, and ask what happens to your card programme, data and vendor records if you downgrade back to Free rather than leaving.

Frequently asked questions about Ramp

How much does Ramp cost per month?

Checked 16 October 2026, Ramp lists Free at $0/mo/user and Plus at $15/mo/user. The Plus figure is incomplete: Ramp adds a platform fee based on team size and does not publish it, so the Plus total cannot be worked out from the page. Enterprise is custom priced on annual billing.

What is the Ramp Plus platform fee?

Ramp does not publish it. The pricing page prints $15/mo/user for Plus and then the line plus platform fee based on team size, with no figure. Two companies with the same headcount can be quoted different totals, so ask for the fee in writing at your current and projected headcount before comparing Ramp with anyone.

Is Ramp actually free?

The Free plan is genuinely free at $0/mo/user and is not time limited. It covers unlimited corporate cards, travel and expense, accounts payable with OCR, accounts receivable, basic accounting rules, QuickBooks Online and Xero sync, and a custom report builder. Paid features such as NetSuite sync and multi-entity support start on Plus.

What does Ramp do?

Ramp is a cloud spend platform built around a corporate liability charge card. It issues unlimited physical and virtual cards with spend controls, books travel, collects and matches receipts, runs accounts payable by check, ACH, card and wire, handles accounts receivable, and syncs to accounting systems. Procurement is a separate add-on.

Does Ramp give you a line of credit?

Ramp's card is described on its pricing page as a corporate liability charge card with competitive credit limits, rather than a revolving credit facility. Ramp is also clear that it is a financial technology company and not a bank: deposit services come from First Internet Bank of Indiana and cards are issued by partner banks that vary by country.

Is Ramp better than QuickBooks?

They do different jobs, so the comparison does not really hold. QuickBooks is a general ledger; Ramp is a card, expense and payables platform that posts into one. Ramp's Free plan includes QuickBooks Online and Xero integrations, and heavier ERPs such as NetSuite and Sage Intacct start on Plus. Most buyers run both.

Who is better, Brex or Ramp?

On price transparency, Brex. Brex publishes a flat per-user rate for each of its two priced tiers with no separate platform fee, while Ramp's $15/mo/user Plus rate sits alongside a platform fee it does not publish. On product breadth the two are close, so get both quotes and compare the totals rather than the seat rates.

Does Ramp charge extra for purchase orders and procurement?

Yes. Procurement is sold as an add-on to Plus or Enterprise with no published price, and it holds custom intake, the advanced workflow builder, automated PO creation and tracking, AI-driven vendor compliance reviews and three-way match against Ramp purchase orders. The base tiers only match against purchase orders imported from elsewhere.

Is there a free trial of Ramp Plus?

Ramp's pricing page FAQ says you can sign up for a free 30-day trial of Plus and switch plans at any time, and that you can upgrade or downgrade from your Ramp dashboard. The Free plan itself has no time limit, so most buyers can pilot without a trial clock at all.

What audit and access controls does Ramp provide?

Secure logins with SCIM, SSO and SAML are listed across the tiers, while custom user roles, multi-entity visibility restrictions and the audit log start on Plus. Plus also adds payment release approvals and parallel approvers in accounts payable. Confirm the specific approval chain and entity restrictions you need during the trial.