Ramp
Corporate cards with spend controls built in, so fewer bad purchases happen in the first place.
Best for
Teams ready to move spending onto company cards and enforce limits automatically instead of chasing reports after the fact.
Not ideal if
Teams that will not switch cards, or where most spend is employees paying out of pocket. Ramp's reimbursement workflow works, but it is not the product's center of gravity.
Standout
Virtual cards with merchant and amount locks, so a subscription card literally cannot be charged by anyone else.
About Ramp
Ramp is a corporate card and spend platform, not a ledger. You apply for a Ramp Visa charge card, issue physical and virtual cards with merchant and amount locks, and employees swipe. Ramp texts or Slacks the cardholder for a receipt. You map categories to your chart of accounts once. Coded card charges, reimbursements, and bill payments sync to QuickBooks Online or Xero. You still close and lock the period in those books.
It does not replace QuickBooks Online or Xero. That is the opposite of Kick (a replacement ledger that can take a Ramp feed). Expensify is reimbursement-first if people still pay out of pocket. BILL Spend & Expense is the other free card program, built around hard budgets that decline at the register. Brex covers cards, reimbursements, and travel with more banking surface. Navan is the deeper travel-booking desk if trips are the whole job.
People who stick move spend onto Ramp cards so month-end is review, not a receipt hunt. Bookkeepers on public forums cite the SMS receipt chase and the QuickBooks Online sync. The software on Free is $0; Ramp earns on card interchange.
What people who used it say
What they tend to like
SMS receipt chase that employees actually answer
A text after the swipe beats chasing reports at month-end.
Virtual cards with limits beat a shared company card
Issue a card per person or vendor, set a cap, and see spend as it happens.
QuickBooks Online sync cuts the card close
Bookkeepers point teams here when they are still reconciling a shared card by hand.
What they hesitate about
Credit limit moves with the bank balance
A temporary dip in the linked account can cut the limit and take work to restore.
Statement pay-downs can sit pending for days
Cards can decline while a payment is still clearing, which hurts high-spend weeks.
Support is ticket-first, not a live desk
Accountants report next-day email and help-article loops when something breaks.
How it hits your books
- Replaces your ledger
- No
- QuickBooks Online
- Yes
- Xero
- Yes
- Multi-entity
- Partial
- Inventory
- No
- 1099s
- Partial
- Payroll
- No
You review coded lines in Ramp, sync, then match the statement payment in QuickBooks Online or Xero and lock the period there. QBO card sync is USD only. One Ramp account maps to one QBO company.
Invite the accountant to QuickBooks Online or Xero, or send that file. Receipts attach on synced lines. Ramp does not produce a year-end tax package.
Images
Features
Virtual cards with merchant and amount locks
Issue unlimited physical and virtual Visa cards. Lock a card to a vendor or a dollar cap so a subscription card cannot be charged by anyone else.
Receipt chase by text, Slack, or the phone
After a charge posts, Ramp texts or Slacks for the receipt. Employees can also photograph it in the iOS or Android app. Receipts attach when the line syncs to QuickBooks Online or Xero.
Travel booking on the same login
Free includes flights, hotels, and cars plus one company-wide travel policy. Plus adds policies by role, department, or location, guest bookings, and 24/7 phone support.
Accounting sync built around close
Connect QuickBooks Online or Xero on Free. Ramp pulls the chart of accounts, applies rules, and syncs coded charges, reimbursements, and statement payments. NetSuite, Sage Intacct, and Dynamics 365 Business Central start on Plus.
Bill pay and 1099 filing
Capture invoices, route approvals, and pay by ACH, card, check, or wire on Free. 1099 NEC and MISC e-file is $0.65 per IRS filing on every plan.
Card lock when a receipt never arrives
Plus can lock a card when a required receipt or item is late. Plus also adds AI expense reviews, GL-based approval routing, and multi-entity support.
Pricing
A 5-person shop that qualifies (US corp, LLC, or LP; EIN; $25,000 in a linked US business bank) can run cards, travel booking, bill pay, and QBO or Xero sync on Free at $0 software. Ramp earns on interchange. Plus is $15 per user per month plus an unpublished platform fee by team size (20% off annual; 30-day trial). 1099 e-file is $0.65 per IRS filing on every plan. Credit limit is underwritten and can move with the linked bank balance.
Free
Smaller teams that will put spend on Ramp cards and keep the books in QuickBooks Online or Xero.
- Unlimited physical and virtual cards
- Travel booking and a company-wide travel policy
- Receipt chase via SMS or Slack
- QuickBooks Online and Xero
- Bill pay by ACH, card, check, or wire
Plus
Teams that want AI reviews, card locks for missing receipts, and ERPs beyond QuickBooks Online and Xero. 20% off annual. 30-day trial.
- Everything in Free
- AI expense reviews and policy insights
- Auto-lock cards when required receipts are missing
- NetSuite, Sage Intacct, Acumatica, Dynamics 365 Business Central
- Multi-entity support
Enterprise
Companies that need Workday or Oracle Fusion, local cards in 30+ countries, and a named implementation team.
- Everything in Plus
- Workday, Oracle Fusion Cloud, Dynamics F&O
- Local card issuing in 30+ countries
- Dedicated account and customer success manager
Integrations
Platforms
Audience
Pick something else instead of Ramp
Expensify
Pick Expensify instead if employees pay out of pocket and the job is snap-a-receipt reimbursements, not a new card program.
Brex
Pick Brex instead if you want cards, reimbursements, and travel under one set of team budgets and you are fine with more banking surface.
Kick
Pick Kick instead if you want Ramp as a card feed into a replacement ledger, not a sync sitting next to QuickBooks Online or Xero.
BILL Spend & Expense
Pick BILL Spend & Expense instead if the real problem is hard budgets that decline at the register, not accounting automation.
Navan
Pick Navan instead if travel booking is the whole job and you want a dedicated desk, including the option to keep existing cards.