Ramp
Ramp is a corporate-card, expense, and AP desk with AI coding: cards issue, receipts match, bills land in a phone-sized Approve queue, and Reporting plots…
OUR TAKE
Pick Ramp for finance teams that will issue Ramp cards and let AI code expenses / bills. Plus is per user plus a platform fee.
Good fit
Finance teams that will issue Ramp cards and let AI code expenses / bills.
Poor fit
Companies that need the general ledger itself (Digits) or ecommerce COGS (Finaloop).
Free · Plus $15
USD, before tax · Checked 2026-10-28 · ramp.com/pricing
Compare:
OUR TAKE
Pick Ramp for finance teams that will issue Ramp cards and let AI code expenses / bills. Plus is per user plus a platform fee. budget both.
Good fit
Finance teams that will issue Ramp cards and let AI code expenses / bills.
Poor fit
Companies that need the general ledger itself (Digits) or ecommerce COGS (Finaloop).
Free · Plus $15
USD, before tax · Checked 2026-10-28 · ramp.com/pricing
Compare:
What it costs
USD, before tax · Checked 2026-10-28 · ramp.com/pricing
Free
/ user / month. Cards, SMS/Slack expenses, basic AP/AR OCR, QBO/Xero, AI reporting on the Free list
$0
Plus
/ user / month plus a platform fee by team size. 20% off annual billing
Lowest paid
$15
Enterprise
Not published by the vendor
Not published by the vendor
Procurement
Not published by the vendor
Not published by the vendor
Card rewards and banking APY on the page are not a software subscription.
Not published by the vendor
Not published by the vendor
Checked 2026-10-28·ramp.com/pricing
Before you pay
Good fit
Finance teams that will issue Ramp cards and let AI code expenses / bills.
Poor fit
Companies that need the general ledger itself (Digits) or ecommerce COGS (Finaloop).
Watch out
Plus is per user plus a platform fee. budget both.
Instead, try
Digits if the ledger after spend hits the bank; Essentials $65 / mo; Stripe if collect money; Ramp is how you spend it
Compare Ramp with
Limits, in full
- 01
Plus is per user plus a platform fee. budget both.
- 02
Free is not a close tool. Accounting automation on Free is “basic rules.”
- 03
Not a bookkeeping firm
If Ramp isn't it
Why: the ledger after spend hits the bank; Essentials $65 / mo.
Paid only$35
No public $0 planChecked 2026-10-28·digits.com/pricing
vs Ramp
Why: collect money; Ramp is how you spend it.
Paid onlyNot published by the vendor
2.9% + 30¢ is per successful card, not a seatChecked 2026-10-23·stripe.com/pricing
vs RampLimits & alternatives3 limits · Digits, Stripe instead
Limits, in full
- 01
Plus is per user plus a platform fee. budget both.
- 02
Free is not a close tool. Accounting automation on Free is “basic rules.”
- 03
Not a bookkeeping firm
If Ramp isn't it
Why: the ledger after spend hits the bank; Essentials $65 / mo.
Paid only$35
No public $0 planChecked 2026-10-28·digits.com/pricing
vs RampWhy: collect money; Ramp is how you spend it.
Paid onlyNot published by the vendor
2.9% + 30¢ is per successful card, not a seatChecked 2026-10-23·stripe.com/pricing
vs Ramp