Source-backed analysis8
Review basis
Research-based review: the AppDuo Editorial Team compiled it from official pages, documentation, app stores, press and user feedback, without hands-on testing. Every claim links to a source with the date it was checked.
8 reference sourcesInformation updated Nov 10, 2026
How we review
Ramp Review
Corporate cards, expenses, bill pay and accounting automation in one platform
By AppDuo Editorial Team · Updated
- Web
- iOS
- Android
- API
On this page
Decide at a glance
Our verdict
Ramp suits US businesses that want cards, expenses, vendor payments and accounting in one place, and its Free plan is fairly complete. Weigh a low Trustpilot score (2.7/5) driven by complaints about payment delays and support, and advanced features sitting in the per-user Plus plan with an unpublished platform fee on top.
Best for: Mid-size and larger US companies that need card spend control, approvals and sync with accounting software such as QuickBooks or NetSuite
Skip it if: Businesses outside the markets where Ramp issues cards (US, Canada, UK, EEA, and 30+ countries on Enterprise)
Pros
- The Free plan includes unlimited cards, bill pay, travel booking and QuickBooks Online and Xero integrations
- Mobile app rated 4.9/5 on the App Store (about 49K ratings)
- Clear security disclosures: annual SOC 2 Type II, PCI, mandatory MFA
Cons
- Trustpilot 2.7/5 from 229 reviews: reviewers cite late payments, weak support and QuickBooks sync issues; Ramp does not invite reviews, so the sample may be skewed
- Plus adds a team-size platform fee with no amount shown, so total cost is hard to work out; Procurement is a separate add-on
All pros and cons · Who is it for?
Pros
- 200+ integrations per the homepage and several AI tools for coding and expense review
Cons
- The iOS app offers four languages (English, French, Japanese, Spanish), and cards are issued only in certain markets
Best for
- Finance teams that want AI to code expenses and check spend policy
Skip it if
- Individuals or households: Ramp states its products are for business customers
Problems it solves
Experience & key features
Ramp is a spend management platform from Ramp Business Corporation, headquartered in New York. Wikipedia says it was founded in March 2019 and launched its corporate card in February 2020. Its homepage lists corporate cards, expense management, bill pay, procurement, accounting automation and banking, and claims more than 85,000 business customers.
Employees pay by card and snap receipts in the app or by text, and Ramp matches them to transactions. Finance sets limits, approval flows and policies, while AI tools such as the Policy Agent and automated coding handle repetitive work. Data syncs to accounting software: QuickBooks Online and Xero on Free, NetSuite and Sage Intacct on Plus, Workday and Oracle Fusion on Enterprise.
The pricing page lists three plans: Free ($0/user/month), Plus ($15/user/month plus a team-size platform fee, 20% off annually) and quoted Enterprise. Plus has a 30-day trial. Procurement and accounts receivable are add-ons with no listed price; 1099 filing costs $0.65 per IRS filing.
Ramp has grown fast: in June 2026 FinTech Global reported a $750M Series F at a $44B valuation, annualised revenue above $1B and more than 70,000 customers. Scale does not mean every customer is happy: Trustpilot shows 2.7/5 against 4.9/5 on the App Store, possibly because employees using the app hit fewer problems than finance teams handling payments, verification and support. When comparing spend platforms, check platform fees, card-issuing markets and support quality.
Screenshots
Plans & pricing
Prices last verified Nov 10, 2026
Free
BusinessFree
$0/user/month. Unlimited cards, card controls, flight, hotel and car booking, receipt matching, approval workflows, bill pay by ACH, card, check or wire, QuickBooks Online and Xero integrations and a report builder.
Plus
Business$15/mo/user
$15/user/month plus a platform fee based on team size (the amount isn't listed); annual billing saves 20%. Adds NetSuite and Sage Intacct integrations, AI coding for every field, AI expense reviews, multi-entity support, custom roles, an audit log and 24/7 phone support for travel bookings. Procurement is a paid add-on.
Enterprise
BusinessContact sales
Custom pricing, billed annually. Adds implementation services, Workday and Oracle Fusion integrations, local-currency card issuing in 30+ countries, priority 24/7 global support and a dedicated account manager.
- Free plan limits
- The Free plan still includes unlimited cards, travel booking, bill pay and QuickBooks Online and Xero integrations; some modules, such as accounts receivable, are paid add-ons.
- Free trial
- 30-day free trial · no credit card
Cancellation & refunds
The pricing page states no refund policy; it says Plus has a free 30-day trial and plans can be changed at any time.
Privacy
Ramp's privacy policy (updated 27 October 2026) applies where Ramp is data controller; for data processed on behalf of business customers, Ramp is processor and follows its agreements and the customer's instructions. Ramp uses AI and machine learning for identity verification, fraud detection, application review and service improvement, and says it makes no decisions with legal or similarly significant effects based solely on automated processing. Data may be shared with partner banks, card networks, identity-verification providers and advertising and marketing partners. Ramp's self-reported App Store privacy labels also list third-party advertising as a purpose. The policy includes a retention table by data category. The security page cites annual SOC 2 Type II audits, PCI standards, encryption at rest and in transit, and mandatory MFA.
Ramp alternatives
Frequently asked questions
Is Ramp free?
Yes. The Free plan at $0/user/month includes unlimited cards, bill pay and QuickBooks Online and Xero integrations. NetSuite, AI expense reviews and multi-entity support are in Plus.
How much is Plus?
$15/user/month plus a platform fee based on team size (no amount is listed); annual billing saves 20%. A 30-day trial is available.
Can individuals use Ramp?
No. The privacy policy says the products are for business customers, not personal or household use.
What security certifications does Ramp have?
The security page cites annual SOC 2 Type II audits, PCI standards, encryption at rest and in transit, and MFA for every user.
Review evidence & sources8
Scores
- Ease of use
- 8.0
- Features
- 8.5
- Value for money
- 7.5
- Performance
- 7.0
- Support
- 5.5
- Privacy & security
- 7.0
Why this score
A 4.9/5 App Store rating, and several Trustpilot reviewers praise the easy interface, receipt capture and auto-matching.
Why this score
Cards, expenses, bill pay, procurement, travel, banking, accounting and AI agents in one platform, plus 200+ integrations.
Why this score
A generous Free plan and Plus at $15/user/month are easy to compare; points off for the unpublished team-size platform fee and paid add-ons.
Why this score
No independent benchmarks exist. Trustpilot reviewers report vendor payments arriving later than Ramp's stated timeline (close to 30 days versus 10) and QuickBooks sync problems, while others praise time saved through automation.
Why this score
Priority 24/7 support is Enterprise-only and 24/7 travel phone support starts at Plus. Trustpilot has many complaints about slow or generic replies, though some reviewers praise it.
Why this score
A detailed policy with a retention table, clear controller and processor roles, and SOC 2 Type II. Points off for sharing with advertising partners (the App Store labels also list third-party advertising) and broad operational use of AI.
What users say
- App Store (United States)4.9/5 · 49,000
- Trustpilot2.7/5 · 229
Sources
- Vendor-providedOfficial homepageNov 10, 2026
- Vendor-providedOfficial pricing pageNov 10, 2026
- Vendor-providedOfficial privacy policyNov 10, 2026
- Vendor-providedOfficial security pageNov 10, 2026
- storeApp Store listingNov 10, 2026
- pressFinTech Global (2026-06-05)Nov 10, 2026
- Community-reportedWikipedia: Ramp (company)Nov 10, 2026
- review-siteTrustpilot reviewsNov 10, 2026
Specs & compatibility
- Developer
- Ramp Business Corporation
- Headquarters
- United States
- Launched
- 2019
Capabilities
- AI features
- Public API
- Integrations
- Real-time collaboration
- Mobile app
Platforms
- Web
- iOS
- Android
- API
Interface languages
- English
- French
- Japanese
- Spanish
Integrations
- QuickBooks Online
- Xero
- NetSuite
- Sage Intacct
- Workday
- Oracle Fusion
- Okta
- Microsoft Azure
Support
- Help center
- Live chat
- Phone
Change history
- Company.FinTech Global reports Ramp raised a $750M Series F led by ICONIQ, GIC and Ontario Teachers' at a $44B valuation.
- Company.$300M round led by Lightspeed plus an employee tender offer at a $32B valuation.
- Feature.AI Policy Agent launched to check transactions against expense policy (per Wikipedia, summer 2025).
Full change history (6)
- Feature.Expanded into procurement: purchase requests and vendor management.
- Launch.Corporate card launched (per Wikipedia, month only).
- Company.Eric Glyman, Karim Atiyeh and Gene Lee founded Ramp (per Wikipedia, month only).
About the author
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