Ramp
by Ramp
Spend management with AI agents for coding and policy
Reviewed by the the30top research team · Last reviewed 2026-10-27
Overview
Ramp runs cards, expenses, accounts payable and accounting sync on one platform, with agents for expense coding, receipt matching, approvals and policy checks. The pricing page lists a free plan with AI invoice extraction, and a Plus plan at $15 per user per month plus a platform fee that adds AI coding for every field, AI expense reviews and approval recommendations. The strongest agent features sit behind Plus, and the product is built around Ramp's own cards and bill pay, so it suits companies willing to consolidate spend there.
Our verdict
One of the easiest ways to put agents on expense coding and policy, with prices you can read. The catch is that the best of it assumes you run spend through Ramp.
Best for
Startups and mid-market teams that want cards, expenses and AP on one platform with AI coding built in.
Avoid if
You want an AI layer over an existing card program without moving spend.
Pros
- Public pricing with a real free plan
- Agents cover coding, receipts, policy and approvals
- Switch in days, per the vendor
Cons
- Strongest AI features need the Plus plan
- Value depends on adopting Ramp cards and bill pay
- Compliance certifications not shown on the homepage
Key capabilities
Frequently asked questions
Does Ramp have a free plan?
Yes. The pricing page lists a Free plan at $0 per user and a Plus plan at $15 per user per month plus a platform fee.
Which Ramp plan includes AI coding?
The pricing page lists AI coding for every field and AI-driven expense reviews under Plus.
Which accounting tools does Ramp sync with?
The pricing page names QuickBooks Online and Xero, and the homepage cites 200+ integrations.