AP Automation · pricing · Updated September 2026
Ramp pricing (2026)
Ramp starts at $0/mo (Free) as checked on 2026-09-02, read from Ramp's own pricing page; 3 plans. Best for Startups and SMBs wanting free corporate cards + AP in one tool. Every figure below links to its source 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
As of · every figure below links to its source
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 | not priced monthly | — | 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 2026-09-02. 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. Re-verified 2026-09-02 against the live pricing page; published figures unchanged.
Price changes
Price on record
$15/moFirst on record 2026-06-27
A new dated entry is stamped here each time the price moves — the record builds itself.
Tracked since June 2026. No change record has cleared two sources yet, so nothing is published on the wire.
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 2026-09-02.
Is Ramp cheaper billed annually?
Yes. Ramp publishes a 20% discount for paying annually (on the Plus plan). Verified 2026-09-02.
What are cheaper alternatives to Ramp?
Cheaper AP automation than Ramp (entry $0/mo) include Plooto at $9/mo. Verified 2026-09-02.
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 · SOC 2-certified AP automation · Open data · MCP
Cheaper AP automation alternatives
- Plooto from $9/mo
More AP automation tools
Related categories
Display this standing
Ramp currently holds a platinum deskmark here — Rank 1 of 8 · AP Automation. Anyone may show it. There is nothing to apply for, nothing to pay, and displaying it changes no score: the standing comes from the published algorithm and money never touches it.
The image is drawn from our live data, so it follows the standing rather than freezing it: if Ramp moves up or down a tier, the plaque on your own site says so at our next publish. Nothing is tracked beyond the ordinary web-server log that records any image request.