Best AP Automation · pricing · Updated June 2026
Ramp pricing (2026)
Ramp starts at $0/mo (Free), across 3 plans. Best for Startups and SMBs wanting free corporate cards + AP in one tool. Every figure links to Ramp's own page and the date we captured it.
At a glance
- Entry price: $0/mo (Free)
- Free tier: Yes
- Compliance: HIPAA — · SOC 2 Yes · GDPR —
- 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
Ramp plans & pricing
| 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 |
Last verified 2026-06-15. 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.
Capabilities
Integrations: QuickBooks Online, Xero, Oracle NetSuite, Sage Intacct, Microsoft Dynamics, Workday.
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).
Frequently asked questions
How much does Ramp cost?
Ramp starts at $0/mo (Free); it has 3 published plans. Verified 2026-06-15.
Is Ramp cheaper billed annually?
Yes. Ramp publishes a 20% discount for paying annually (on the Plus plan). Verified 2026-06-15.
What are cheaper alternatives to Ramp?
Cheaper ap automation than Ramp (entry $0/mo) include Plooto at $9/mo. Verified 2026-06-15.
Does Ramp support HIPAA?
Ramp HIPAA support: —. SOC 2: Yes. GDPR: —.
Does Ramp have a free plan?
Ramp free tier: Yes.
Ramp vs alternatives
Compare all ap automation → · Ramp alternatives → · Open data · MCP
Cheaper ap automation alternatives
- Plooto from $9/mo