# Ramp pricing (2026): plans, cost, and compliance

**Entry price:** $0 (free)/mo (Free). Among the 6 ap automation we track it is the cheapest; median entry $5/mo.
**Domain:** ramp.com
**Free tier:** Yes
**Compliance:** HIPAA Not published · SOC 2 Yes · GDPR Not published
**Integrations:** QuickBooks Online, Xero, Oracle NetSuite, Sage Intacct, Microsoft Dynamics, Workday
**Best for:** Startups and SMBs wanting free corporate cards + AP in one tool; Teams replacing separate expense and AP tools; Companies willing to bank with Ramp to eliminate transaction fees
**Price tracked since:** June 2026

## Plans

| Plan | Monthly | Annual | Billing | Notes | Source |
| --- | --- | --- | --- | --- | --- |
| Free | $0 | — | flat | Free forever ($0/user/month). Includes corporate cards, basic bill pay (ACH $0.59/transaction, check $1.99/transaction), invoice capture with OCR, basic QuickBooks/Xero integrations, automated fraud checks. Fee waiver if paying from Ramp Checking Account. | ramp.com |
| Plus | $15 | −20% | per_seat | $15/user/month + platform fee based on team size. Annual billing saves 20%. Adds AI AP agent (approval recommendations, auto-coded line items), batch payments, 3-way PO matching, advanced ERP integrations (NetSuite, Sage Intacct), budget tracking, custom roles. | ramp.com |
| Enterprise | Quote-only | — | custom | Custom pricing, annual billing only. Adds Workday/Oracle Fusion integrations, locally funded reimbursements, local currency card issuing (30+ countries), dedicated account manager, 24/7 support, white-glove onboarding. | ramp.com |

**Key features:** Free corporate cards + bill pay combined platform; AI AP agent for approval recommendations and line-item coding; 3-way PO matching on Plus and above; Bill pay fees waivable via Ramp Checking Account.

**Plan limits:** Bill pay transaction fees on all plans: ACH $0.59, check $1.99 (waived with Ramp Checking Account); Platform fee for Plus scales with team size (not published).

Sources: 1 · Last verified 2026-06-15
Provenance: Pricing re-fetched from ramp.com/pricing on 2026-06-15: Free $0/user, Plus $15/user + platform fee (20% annual), Enterprise custom — confirmed. Bill-pay transaction fees referenced from Ramp support documentation.
Canonical: https://frontdeskreview.com/software/ap-automation/ramp/
Cite: Per The Front Desk Review, Ramp's entry plan was $0 (free)/mo as of 2026-06-15 — https://frontdeskreview.com/software/ap-automation/ramp/
License: CC BY 4.0. Price history: https://frontdeskreview.com/data/price-history.jsonl