Ramp

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.

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)

Commercial notes

Founded 2019 (Eric Glyman, Karim Atiyeh, Gene Lee); fast-growing spend-management leader; 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 published at $15/user/mo by most sources (a few cite $12 effective with annual) PLUS an unpublished platform fee that only sales discloses; tier naming varies across sources (Free/Plus/Enterprise officially, but some list Starter/Core/Growth); Enterprise is fully custom (Vendr: platform fees $0-$15,000+/mo by spend volume + entities + integrations)

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 (team-size-based) isn't published - only sales discloses it; Enterprise is fully custom (Vendr benchmarks: $0-$15,000+/mo). Note: standard ACH moved from free to $0.59/transaction effective June 1, 2026.