Ramp

Ramp is a corporate card and spend management platform combining cards with expense management, receipt matching, bill payment, and spending controls, with transactions categorised and synced to the accounting ledger automatically.

How accounting firms use it

Firms recommend it where a client’s month-end close is held up by card reconciliation. Because transaction data arrives in real time with receipts attached at the point of spend, the usual pattern of chasing statement lines weeks later largely disappears. For firms doing outsourced controller work, that pulls the close forward by days rather than hours.

The spend analytics also give firms something concrete to bring to advisory conversations — duplicate subscriptions, unused licences, and vendor price increases surface in the platform rather than needing a manual review of the ledger.

Key features

Cards can be issued per employee, per vendor, or per project, with limits and category restrictions set at issue so policy is enforced at authorisation instead of at review. Receipts are captured by mobile app or forwarded email and matched automatically to transactions.

Bill payment covers approval routing and execution by ACH, cheque, or card, letting some clients consolidate their AP tooling into the same platform.

Accounting sync supports dimension-level mapping — class, department, location, customer — with rules that code transactions on the way through rather than requiring reclassification afterwards.

Who it’s best for

US businesses from growth stage through mid-market whose spending runs largely on cards, and firms wanting client transaction data flowing continuously rather than in month-end batches. The absence of a software fee makes it easy to justify against per-user expense platforms.

Clients needing reimbursement-heavy expense workflows, international entities, or complex travel policy are often better served by Expensify or SAP Concur. Brex is the direct competitor, and BILL remains stronger for clients whose AP approval chains are genuinely complex.