Ramp
Also known as: Ramp Business Corporation, Ramp for Agents, tryramp
Financial operations platform where AI agents run procurement from source to payment inside customer-built approval workflows, AP agents handle fraud checks and coding, and Ramp for Agents gives the customer's own AI agents identities, budgets, approval thresholds, payment rails and a full audit trail, with API, MCP and CLI access.
Ramp is a financial operations platform, used by more than 70,000 businesses, that runs corporate cards, travel and expense, accounts payable, treasury, accounting automation and procurement on one system, with AI agents doing the work inside customer configured approval workflows.
Its procurement offering runs purchasing from source to payment: employees ask for what they need in plain language, agents research the vendor, review contract terms and check compliance and security posture before the request reaches an approver, a no-code workflow builder routes parallel approvals by budget, department, vendor type or accounting field, and once approved Ramp generates the purchase order, two and three way matches invoices, captures card payments against POs and syncs everything to the accounting system.
Zero Touch Sourcing researches vendor options, generates the RFx and scores responses so the buyer picks the winner, every agreement is tracked with pricing benchmarks and a negotiation briefing delivered before renewal, and the benchmark corpus is drawn from anonymized pricing and vendor data across millions of Ramp transactions. AP agents run fraud checks, approval recommendations and line item coding.
Through Ramp for Agents, the platform extends the same controls to the customer's own AI agents: each agent gets a durable identity with a human owner, a budget, merchant restrictions and approval thresholds before money moves, pays by card, ACH, wire, check or agent native rails, and leaves an audit trail in which every payment and accounting sync is recorded as the agent works, with connection to Ramp by API, MCP or CLI and platform API documentation at docs.ramp.com. Security includes annual SOC 2 Type II audits, PCI compliance, SSO for Okta, Google and Microsoft Azure with mandatory MFA, SCIM and SAML, custom roles and an audit log.
Integrations span QuickBooks, Xero, NetSuite, Sage Intacct, Dynamics, Workday and Oracle Fusion, plus Ironclad, DocuSign, Jira, Asana, Linear, Vanta and LogicGate in procurement workflows. Ramp Business Corporation is headquartered in New York; pricing is public, with a free plan, Plus at $15 a user a month plus a team size platform fee, Enterprise custom, and procurement as an add-on.
Vendor details
Canonical URL
https://ramp.com
Category
Enterprise operations agent
Subcategory
Finance — procurement / spend agent fleet
Company status
independent
Use cases & customers
Primary use cases
Target customers
Deployment options
In practice
Every purchase request lands in someone's inbox to triage by hand. Ramp's procurement agents triage the request, source vendors, and review the contract, so routine buys move without a person steering each step.
Approved invoices still wait for someone to actually pay them. Ramp runs compliance checks and makes the payment autonomously over Visa, closing the loop from request to payment.
You're negotiating vendors blind on what counts as a fair price. Ramp draws benchmarks from millions of transactions, so sourcing decisions start from real market data.
Agentic Index coverage score
10.0 / 14 capabilities · 71%
| Integrations & Tool Calling | Full |
|---|---|
|
Named systems throughout, with the workflow acting across them: the procurement page states the security team approves in Jira, legal reviews in Ironclad and the workflow keeps moving in Ramp with no one switching systems, and its FAQ names accounting sync to QuickBooks Online and NetSuite, contract and eSignature tools Ironclad, DocuSign, Linksquares and Spotdraft, ticketing in Jira, Asana and Linear, and third party risk platforms Vanta and LogicGate; the pricing page's integration tiers add Xero, Sage Intacct, Acumatica, Microsoft Dynamics, Workday and Oracle Fusion Cloud plus continuous HRIS sync, and agents.ramp.com documents agents paying by card, ACH, wire, check or agent native rails with accounting context attached as money moves. SourceRamp, ramp.com/procurement, ramp.com/pricing and agents.ramp.comread 2026-09-07 |
|
| Workflow Orchestration | Full |
|
Workflow Orchestration is the procurement page's own section heading, and the surface is customer composed: a no-code workflow builder routes approvals in parallel, rules are set on budget, department, vendor type, GL code and payment type, agents are embedded inside the approval workflows the admin builds, and the run goes end to end from plain language intake through vendor research, stakeholder review, PO generation, three way match and payment. The customer composes the orchestration rather than running a fixed vendor pipeline. SourceRamp, ramp.com/procurementread 2026-09-07 |
|
| Knowledge Grounding & RAG | Full |
|
A maintained corpus that persists past any run and is queried per event: price intelligence is a named platform feature on the pricing page's vendor management tier, the procurement page has AI surfacing pricing benchmarks and contract details ahead of every renewal and delivering negotiation briefings with recommendations to extend, renegotiate or cancel, and the underlying corpus is the vendor's anonymized pricing and vendor data from millions of transactions, tailored to each customer's size and industry. Contracts are additionally tracked from creation with terms extracted and kept on the vendor profile for audits. The benchmark corpus outlives any run and answers each new negotiation. SourceRamp, ramp.com/procurement and ramp.com/pricingread 2026-09-07 |
|
| Human Oversight & Guardrails | Full |
|
Customers configure and operate the gates on money movement themselves, on Ramp's own surface. On agents.ramp.com, every agent carries a human owner, a budget, merchant restrictions and an approval threshold before money moves, illustrated as approval required for payments over five hundred dollars, with only approved payment methods and funding sources usable. Across the platform, admins build approval workflows in a no code builder with parallel stakeholder review, no spend slips through without sign off, nothing renews without sign off, and payment release approvals are a named plan feature. SourceRamp, agents.ramp.com, ramp.com/procurement and ramp.com/pricingread 2026-09-07 |
|
| Security, Identity & Governance | Full |
|
Ramp's security page states that it undergoes annual SOC 2 Type II audits and abides by PCI standards, with a trust portal at trust.ramp.com linked in the site navigation. The same page documents SSO for Okta, Google and Microsoft Azure with mandatory MFA for every user, and the pricing page's user management tier names SCIM, SSO and SAML logins, custom user roles, multi entity visibility restrictions and an audit log. SourceRamp, ramp.com/security and ramp.com/pricingread 2026-09-07 |
|
| Observability & Auditability | Full |
|
A runtime record of agent actions with attribution, on the vendor's own agent surface: agents.ramp.com states every payment and accounting sync is recorded as the agent works, every financial action stays attributed from request through reconciliation, and the illustrated ledger attributes a transaction to an agent acting on behalf of a named owner. The audit trail is a per agent property alongside identity, policy and capabilities, and an audit log is a named plan feature on the pricing page. This reconstructs what an agent did and on whose authority. SourceRamp, agents.ramp.com and ramp.com/pricingread 2026-09-07 |
|
| Memory & State Persistence | Not documented |
|
Neither a memory layer with a stated scope and lifetime (per agent, per user or per workflow) nor session or preference recall is documented for the agents. The durable thing on the agent surface is identity: a durable name, owner, budget and permissions per agent, which is governance and stays attributed through reconciliation, and the transaction and audit history is the application's financial record. The benchmark corpus that improves each negotiation is reference knowledge rather than agent memory. SourceRamp, agents.ramp.com, ramp.com/procurement and ramp.com/pricingread 2026-09-07 |
|
| Deployment & Data Residency | Not documented |
|
No deployment option, hosting region or residency control is documented. Ramp is described as one cloud product, and its global tier covers card issuing, local currency payments and reimbursements, which is payment geography rather than data hosting. The privacy policy at ramp.com/legal/privacy-policy could not be read. SourceRamp, ramp.com/security, ramp.com/procurement, ramp.com/pricing, agents.ramp.com, legal tier unreadableread 2026-09-07 |
|
| Prebuilt Agents, Templates & Packs | Full |
|
Named agent families a customer adopts, each doing its own job: AP Agents are named plan features on the pricing page carrying automated fraud checks, approval recommendations and line item auto coding; Procurement Agents are AI assistants built into approval workflows handling vendor research, contract review and compliance checks, fully customizable with the customer defining the review criteria; and per agent identity on agents.ramp.com gives each its own owner, budget and permissions. The AP agents and procurement agents are each whole, shipped in different plan tiers, and adopting one does not require the other. SourceRamp, ramp.com/pricing, ramp.com/procurement and agents.ramp.comread 2026-09-07 |
|
| Triggers & Channel Coverage | Full |
|
Several documented trigger classes. Request events: agents complete contract reviews, security assessments and compliance checks before the request hits an approver's inbox. Date events: every agreement is tracked with reminders before renewal deadlines and negotiation briefings delivered ahead of them. Document and transaction events: invoices are two and three way matched on arrival with discrepancies flagged, card transactions are captured and matched to purchase orders automatically, and cards auto lock when required receipts are not submitted on time. Proactive flags: agreements worth renegotiating are surfaced without being asked. Requests, dates, documents and transactions together cover how work reaches the agents. SourceRamp, ramp.com/procurement and ramp.com/pricingread 2026-09-07 |
|
| Model Flexibility & Routing | Not documented |
|
Ramp's own agents run on models it does not name, and no customer or admin choice of model or routing is documented. AI Token Spend Management tracks the customer's own spend across model providers, which describes the customer's AI vendors rather than Ramp's stack, and the agent surface names outside assistants as callers of Ramp rather than models Ramp runs. SourceRamp, ramp.com/procurement, ramp.com/pricing and agents.ramp.comread 2026-09-07 |
|
| APIs, SDKs & MCP Extensibility | Full |
|
The platform is callable from outside through documented interfaces: agents.ramp.com offers connection to Ramp by API, MCP and CLI, with connection guides at agents.ramp.com/docs and payment, identity and connecting guides linked from the page, and API documentation for the platform sits at docs.ramp.com in the site wide navigation. The direction is inbound, an outside agent or customer system driving Ramp, illustrated by a third party assistant transacting on behalf of a named owner under the customer's policies. SourceRamp, agents.ramp.com and ramp.com site navigation to docs.ramp.comread 2026-09-07 |
|
| Testing, Debugging & Optimization | Partial |
|
A live metric on operations that the team reads to tune the workflow: the reporting suite tracks approval efficiency, cycle times and bottlenecks in the process, purchasing data is queryable in plain language for instant answers on cycle times and PO status, and every PO is tracked against budget to improve forecasting. Nothing puts a change to the agents themselves under test; no harness, scored test set, release gate or controlled optimization loop for agent behavior is documented, and AI driven vendor compliance reviews evaluate the customer's counterparties, not the agent. SourceRamp, ramp.com/procurement and ramp.com/pricingread 2026-09-07 |
|
| Browser & Computer Use | Partial |
|
Agents research each case at run time, by a mechanism Ramp does not describe: when a purchase request arrives, agents automatically research the vendor, check its compliance and security posture, and complete any evaluation the customer defines before the request reaches an approver, and Zero Touch Sourcing has the agent research vendor options against the open market and score responses. That is per case research over sources the vendor does not control. No browser, desktop or computer control mechanism is documented, how the research is performed is not described, and no interface operation is documented. SourceRamp, ramp.com/procurementread 2026-09-07 |
|
The Agentic Index coverage score grades every vendor Full, Partial or Not documented against the same 14 buyer facing capabilities, from public evidence only. Each capability links to how all vendors in the index score on it. How this evidence is graded
Recent platform changes
Ramp launched Accounts Receivable with agents that draft invoices from contracts, prepare collection messages using customer history and policy, and match incoming payments to open invoices. Finance reviews invoice drafts and sends every collection email, while unmatched payments are flagged for review. The help center confirms live core invoicing for US businesses using QuickBooks Online; NetSuite access is still subject to rollout and a waitlist.
Bears on: Human approval / guardrails
View sourceRamp's audit log events now include agent attribution, with an agent_name field whenever an AI agent acts on a user's behalf.
Bears on: Observability / auditability
View sourceRamp launched Router.com, a unified API designed to route corporate AI requests to the lowest-cost models available. The service dynamically selects the most cost-effective model for each request to reduce overall AI inference costs.
Bears on: MCP / tool calling / API
View sourcePricing
Free ($0) · Plus $15/user/mo + platform fee · Enterprise custom
seats
Included quota
Free ($0/user): unlimited virtual + physical cards, real-time expense tracking, receipt matching (SMS/email/Slack), bill pay (ACH/card/check/wire), AP (invoice extraction + basic approvals), treasury (~2% business account / ~3.87% investment, no fees), QuickBooks Online + Xero, 1.5% uncapped cashback, single legal entity, standard roles. Plus ($15/user/mo + platform fee): AI expense reviews, custom approval workflows, multi-entity, advanced ERP (NetSuite/Sage Intacct), procure-to-pay, global/multi-currency, budget vs actual, custom roles/permissions, three-way PO matching, priority support. Enterprise (custom): Workday integration, local-currency card issuing, custom workflows, API access, dedicated account management.
What is public
Ramp (ramp.com - AI-powered finance-operations platform: corporate cards + expense management + bill pay/AP + procurement + travel + accounting automation + treasury) publishes pricing. Free ($0/user/mo): unlimited virtual + physical cards, expense management, receipt matching, bill pay, basic AP, treasury, QuickBooks/Xero, 1.5% uncapped cashback (single entity, standard roles). Plus ($15/user/mo + a team-size-based platform fee; 20% off annual): AI expense reviews, advanced approvals, multi-entity, deeper ERP (NetSuite/Sage Intacct), procure-to-pay, global/multi-currency, budget-vs-actual, priority support. Enterprise (custom, annual): Workday, local-currency card issuing, API, dedicated support. Ramp monetizes the free tier via card interchange.
Billing mechanics
The core platform is genuinely free (Ramp earns card interchange, split with Visa). Paid Plus is per-user ($15/user/mo) PLUS an undisclosed platform fee scaled to team size; only employees with an internal role (card, reimbursement, or approval authority) incur the per-user fee - guests, auditors, and accounting-firm users don't count, and deactivated users stop billing immediately. Enterprise is custom-quoted (annual). Payment rails carry per-transaction fees: standard ACH now $0.59 (effective June 1, 2026, after a free grace period), same-day ACH $10 (waived if funded from Ramp Business Account), domestic wire $15, international USD wire $20.
Cost watchouts
The 'free' core is real, but Plus adds an UNDISCLOSED platform fee on top of the $15/user (scaled to team size - Vendr data shows $0 to $15,000+/mo at enterprise scale); expedited payments cost extra (same-day ACH $10, domestic wire $15, intl wire $20); feature gates force upgrades (multi-entity, custom roles, advanced ERP, three-way matching, local-currency cards are paid/Enterprise); requires a registered corporate entity (no sole proprietors) and pay-in-full monthly (charge card, not revolving credit)
Variable cost rationale
Mostly headcount-driven on paid (per active internal-role user) plus an opaque team-size platform fee; Free is interchange-funded (no platform cost), so exposure scales with paid seats + payment-rail fees + Enterprise integration scope rather than usage metering
Additional watchouts
Plus's platform fee is undisclosed (get the quote before assuming $15/user is the all-in cost); expedited payment rails cost extra; charge-card model requires pay-in-full monthly + a registered corporate entity (no sole proprietors); dynamic credit limits can be tricky for businesses with large cash-flow swings; advanced features gate behind Plus/Enterprise
Overage / add-ons
No hard transaction or user caps on Free (limits are feature-based, not volume-based); credit limits are set by your cash balance/revenue/underwriting (advertised 'up to 30x' competitors). Paid per-user fees apply only to active internal-role users. Expedited payment rails bill per transaction (same-day ACH $10, wires $15-$20).
Sales call required
Mixed (some tiers require a call)
Free / trial
Free plan ($0/user); 30-day free trial of Plus
Lowest paid plan
Plus at $15/user/month plus a team-size platform fee; 20% off with annual billing
Commercial notes
Founded 2019 (Eric Glyman, Karim Atiyeh, Gene Lee); fast-growing spend-management company; monetizes primarily via interchange (split with Visa) plus Plus/Enterprise fees; AI 'savings insights' flag duplicate SaaS, price increases, and negotiate vendor contracts (reported ~5% average spend savings); competes with Brex, Mercury, Bill.com, Expensify; fits startups to mid-market to enterprise finance teams
Key ambiguities
Plus is $15 a user a month plus a platform fee scaled to team size that only sales discloses, and Enterprise is fully custom; the all-in Plus cost is not known until the quote.
Cancellation / refund
Free tier (no card, no commitment); Plus self-serve with a 30-day free trial, switch plans anytime (20% off annual); Enterprise custom-contracted (annual); per-user fees stop immediately on user deactivation; no personal credit check (underwritten on company cash balance)
Support SLA / resale
Standard support (Free); priority support (Plus); Enterprise adds dedicated account management; integrates with QuickBooks/Xero (Free), NetSuite/Sage Intacct (Plus), Workday (Enterprise); 1.5% uncapped cashback across all tiers
Missing data
The Plus platform fee, scaled to team size, is not published and only sales discloses it; Enterprise and the procurement add-on are priced by quote. Standard ACH moved from free to $0.59 a transaction on June 1, 2026.
Related vendors
- 11th Estate — Agentic platform whose AI engine scans markets, matches an…
- Adopt AI — AI CPA firm whose agents run reconciliations, close, AP and AR, and…
- Aera Technology — Decision intelligence platform where an always on agent executes…
- Akro AI — On premise operational intelligence that automates document heavy…
- alfred_ — AI executive assistant that triages the inbox overnight and scores…
- Alloy.ai — Commerce intelligence system for consumer brands that unifies four…
Alternatives to Ramp
The closest documented capability profiles to Ramp among enterprise operations agents tracked by Agentic Index, ordered by similarity on the same 14 point evidence the rankings use. No vendor pays for placement.
- Celonis9.0 / 14A lighter documented profile than Ramp
- Manhattan Associates10.0 / 14Adds documented Memory & State Persistence
- MelodyArc9.0 / 14A lighter documented profile than Ramp
- Rillet9.0 / 14A lighter documented profile than Ramp
- Rippling9.0 / 14A lighter documented profile than Ramp
- Siit9.0 / 14A lighter documented profile than Ramp
Similarity is computed from each vendor's Agentic Index coverage score evidence, axis by axis, not from the totals. How this evidence is graded