Ramp

Overview

Ramp gives small businesses a free platform that handles corporate cards, expense tracking, bill payments, and basic accounting automation in one place. The free plan includes unlimited physical and virtual cards, automatic receipt collection and matching, AI-powered invoice capture, automated fraud checks, and direct integrations with QuickBooks Online and Xero. Employees can submit expenses via SMS or Slack, which removes the usual back-and-forth. Ramp also offers a built-in treasury account that earns 2% on cash in an FDIC-insured account or 4.34% in an investment account, with no fees or minimum deposits. Over 50,000 finance teams use Ramp, and customer results include one SMB saving 325 hours per month company-wide. The free tier covers most needs for a small team, and the paid Plus plan at $15 per user per month adds AI-driven automation for growing businesses.

Features

• Free corporate cards with unlimited physical and virtual cards and built-in spending controls
• Automatic receipt collection, matching, and expense submission via SMS or Slack
• AI-powered invoice capture with OCR, automated fraud checks, and bill pay by ACH, check, card, or wire
• Treasury accounts earning 2% (FDIC-insured) or 4.34% (investment) with no fees or minimums
• Native integrations with QuickBooks Online and Xero on the free plan

Best for

Ramp works best for small businesses with at least a few employees who currently manage expenses, bill payments, and accounting across separate tools. It delivers the most value to owners who want to reduce manual data entry and give employees cards with built-in controls without paying for software.