Best Expense Management · pricing · Updated June 2026
Ramp pricing (2026)
Ramp starts at $0/mo (Free), across 3 plans. Best for US-based mid-market and enterprise companies seeking a free corporate card + expense platform. 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 · 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
Ramp plans & pricing
| Plan | Monthly | Annual | Billing | Notes | Source |
|---|---|---|---|---|---|
| Free | $0 | — | per_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_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 | Quote-only | — | custom | 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 2026-06-14. Fetched directly from ramp.com/pricing (2026-06-14). Page returned full pricing content. Corroborated by softwareadvice.com listing. Cross-checked against softwareadvice.com.
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 starts at $0/mo (Free); it has 3 published plans. Verified 2026-06-14.
Is Ramp cheaper billed annually?
Yes. Ramp publishes a 20% discount for paying annually (on the Plus plan). Verified 2026-06-14.
What are cheaper alternatives to Ramp?
Cheaper expense management than Ramp (entry $0/mo) include Zoho Expense at $3/mo, Expensify at $5/mo, SAP Concur at $7/mo. Verified 2026-06-14.
Does Ramp support HIPAA?
Ramp HIPAA support: —. SOC 2: Yes. GDPR: —.
Does Ramp have a free plan?
Ramp free tier: Yes; 30-day free trial.
Ramp vs alternatives
Compare all expense management → · Ramp alternatives → · Open data · MCP
Cheaper expense management alternatives
- Brex from $12/mo
- SAP Concur from $7/mo
- Expensify from $5/mo
- Zoho Expense from $3/mo