Expense Management · pricing · Updated November 2026
Ramp pricing (2026)
Ramp's paid plans start at $15/user/mo (Plus) as checked on 2026-11-01, read from Ramp's own pricing page; 3 plans. Best for US-based mid-market and enterprise companies seeking a free corporate card + expense platform. Every figure below links to its source and the date we captured it.
At a glance
- Entry price: $15/user/mo (Plus) · 20% off with annual billing
- Free tier: Yes · 30-day trial
- Compliance: HIPAA — · SOC 2 Yes · GDPR —
- Best for: US-based mid-market and enterprise companies seeking a free corporate card + expense platform; Finance teams wanting AI-automated policy enforcement and coding; Organizations running NetSuite or Sage Intacct needing deep ERP sync; Companies replacing standalone expense tools with a unified card+spend platform
As of · every figure below links to its source
Ramp plans & pricing
| Plan | Monthly | Annual | Billing | Notes | Source |
|---|---|---|---|---|---|
| Free | $0 | — | Per user / seat | $0 per user per month. Includes unlimited corporate cards, expense management via SMS/Slack, basic AP automation, and foundational accounting integrations (QuickBooks Online, Xero). | ramp.com |
| Plus | $15 | −20% | Per user / seat | $15 per user per month billed monthly; 20% discount with annual billing (~$12/user/month). Includes AI-driven expense reviews, auto-coded line items, advanced ERP integrations (NetSuite, Sage Intacct), real-time budget tracking, custom user roles. 30-day free trial available. Platform fee may also apply based on team size. | ramp.com |
| Enterprise | not priced monthly | — | Custom / quote | Custom pricing, annual billing only. Includes dedicated account and customer success manager, priority support, custom development, ERP extensions, advanced org configuration, Workday/Oracle Fusion Cloud integrations. | ramp.com |
Last verified 2026-11-01. Fetched directly from ramp.com/pricing (2026-06-14). Page returned full pricing content. Corroborated by softwareadvice.com listing. Cross-checked against softwareadvice.com.
Price changes
Price on record
$15/user/moFirst on record 2026-10-16
A new dated entry is stamped here each time the price moves — the record builds itself.
Tracked since October 2026. No change record has cleared two sources yet, so nothing is published on the wire.
Capabilities
Integrations: QuickBooks Online, Xero, NetSuite, Sage Intacct, Workday, Oracle Fusion Cloud, Slack, Microsoft Teams, SMS.
Key features: Unlimited corporate cards on all plans; AI Policy Agent that reviews 100% of expenses, flags only non-compliant items; Receipt capture via SMS, Slack, Microsoft Teams, or mobile app; Auto-coded line items and automatic ERP sync; Real-time budget tracking with spend-vs-plan dashboards; Natural language data queries for spend analytics; Pre-purchase guardrails (merchant blocking, category restrictions); Reusable spend templates for recurring funds; PCI-DSS compliance for card data.
Plan limits: Free plan limited to QuickBooks Online and Xero; advanced ERP integrations (NetSuite, Sage Intacct) require Plus or above; Workday and Oracle Fusion Cloud integrations are Enterprise-only; Platform fee may apply on top of per-seat pricing depending on team size.
Frequently asked questions
How much does Ramp cost?
Ramp's paid plans start at $15/user/mo (Plus), and it lists a $0 plan (Free); it has 3 published plans. Verified 2026-11-01.
Is Ramp cheaper billed annually?
Yes. Ramp publishes a 20% discount for paying annually (on the Plus plan). Verified 2026-11-01.
What are cheaper alternatives to Ramp?
Cheaper expense management than Ramp (entry $15/user/mo) include Zoho Expense at $4/user/mo, Expensify at $5/user/mo, Brex at $12/user/mo. Verified 2026-11-01.
Does Ramp support HIPAA?
Ramp's public pages do not say whether it supports HIPAA. Its public pages also state SOC 2 compliance.
Does Ramp have a free plan?
Yes — Ramp publishes a free tier; it offers a 30-day free trial.
Ramp vs alternatives
Compare all expense management · Ramp alternatives · SOC 2 claims in expense management · GDPR claims in expense management · Open data · MCP
Cheaper expense management alternatives
- Brex from $12/user/mo
- Expensify from $5/user/mo
- Zoho Expense from $4/user/mo
More expense management tools
Related categories
This standing as a plaque
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