Ramp Pricing (2026)
It's a per-seat charge stacked on top of a platform fee tied to headcount, so the $15/mo/user sticker price isn't the full story — you're really paying for user licenses plus a company-wide access fee. That hybrid structure means small teams get a deceptively simple entry point while the real cost scales with org size.
- Free
- $0/mo
- Plus Popular
- $15/mo
- Enterprise
- Contact Sales
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Free
- Corporate Card
- Unlimited cards
- Card issuing controls
- Travel & Expense
- Complete expenses via SMS or Slack
- Create a custom travel policy
- Book flights, hotels, and car rentals
- Auto-receipt collection and matching
- Accounts Payable
- Automated invoice extraction (OCR)
- Configurable approval workflows
- Automated fraud checks
- Pay bills by ACH, card, check, wire, and more
- Treasury
- Earn 4.43% in a Ramp Investment Account
- Earn 2% on cash in a FDIC-insured account
- No fees, minimum deposits, or transfer caps
- Free wires and same-day ACH via Bill Pay
- Accounting Automation
- Basic accounting rules
- QuickBooks Online and Xero integrations
- Budgets & Reporting
- Custom reports and insights via AI reporting
- Custom report builder
- Vendor Management
- Automated vendor tracking and contract extraction
- Price intelligence
Plus
Popular- Travel & Expense
- AI-driven expense reviews and policy insights
- Auto-lock cards when compliance is unmet
- 24/7 phone support for travel bookings
- Accounts Payable
- Auto-coded line items
- AI-driven approval recommendations
- Automated batch payments
- Payment release approvals
- Procurement (Add-on to Plus or Enterprise)
- Advanced intake and approval workflows
- AI-driven vendor compliance reviews
- Automated PO creation and tracking
- Three-way match with Ramp purchase orders
- Accounting Automation
- NetSuite, Sage Intacct, and more integrations
- AI coding for every field
- Automate approval and sync of routine spend
- Support for multi-entity businesses
- Global Coverage
- Auto tax capture and coding
- Budgets & Reporting
- Share live reports and schedule exports
- Track budgets vs. actuals in real time
- User management
- Custom user roles
- Multi-entity visibility restrictions
- Audit log
Enterprise
- Accounting Automation
- Workday, Oracle Fusion Cloud, and more integrations
- Global Coverage
- Locally funded reimbursements
- Pay card payments in local currency
- Local currency card issuing in 30+ countries
- White Glove Support
- Dedicated account and customer success manager
- Priority 24/7 global support
- Implementation Services
- Custom implementation scoping and roll out plan
- Integration setup and validation testing
- Employee training and change management
- Enterprise Services
- Custom development
- ERP extensions and configurations
- Custom policy and workflow configuration
- Advanced org, role, and entity configuration
Does Ramp have a free plan?
Yes: the Free plan is free forever, not a time-limited trial. When you outgrow it, paid plans start at $15/mo. Paid tiers also come with a free trial (30 days).
What the free plan includes
- Corporate Card
- Unlimited cards
- Card issuing controls
- Travel & Expense
- Complete expenses via SMS or Slack
- Create a custom travel policy
- Book flights, hotels, and car rentals
- Auto-receipt collection and matching
- Accounts Payable
- Automated invoice extraction (OCR)
- Configurable approval workflows
- Automated fraud checks
- Pay bills by ACH, card, check, wire, and more
- Treasury
- Earn 4.43% in a Ramp Investment Account
- Earn 2% on cash in a FDIC-insured account
- No fees, minimum deposits, or transfer caps
- Free wires and same-day ACH via Bill Pay
- Accounting Automation
- Basic accounting rules
- QuickBooks Online and Xero integrations
- Budgets & Reporting
- Custom reports and insights via AI reporting
- Custom report builder
- Vendor Management
- Automated vendor tracking and contract extraction
- Price intelligence
AI Pricing Analysis
Pricing Model
It's a per-seat charge stacked on top of a platform fee tied to headcount, so the $15/mo/user sticker price isn't the full story — you're really paying for user licenses plus a company-wide access fee. That hybrid structure means small teams get a deceptively simple entry point while the real cost scales with org size.
Tier Strategy
Free is the wedge — probably capped on card issuance, integrations, or automation depth — built to get finance teams hooked on the core expense/card workflow. Plus is where most mid-size companies live once they need real controls and reporting, and Enterprise kicks in when procurement, custom approval chains, or dedicated support become non-negotiable for larger orgs.
Competitive Positioning
Ramp plays the aggressive value card against Brex and Expensify, undercutting on visible per-user price while competing hard on being 'free' at the entry level to win startups and SMBs away from spreadsheets or legacy corporate cards. It's not the cheapest once the platform fee is factored in, but it's positioned to look like the budget-friendly modern alternative.
Growth Lever
Seat count is the obvious lever, but the hidden platform fee means expansion revenue also grows just from a company adding headcount, not just buying more seats. Feature gating around deeper automation, integrations, and custom reporting in Plus/Enterprise pushes finance teams to upgrade once manual expense management stops scaling.
Want the strategist's read on the live page? Read the AI teardown of Ramp's pricing page →
Ramp Pricing FAQ
- How much does Ramp cost?
- Paid plans start at $15/mo. There's also an Enterprise tier with custom pricing. You can get started on the free plan before committing.
- Is there a free plan?
- Yes. The "Free" plan is free forever, not just a trial. You get corporate card, unlimited cards, card issuing controls — plus 24 more features. It's enough to evaluate the product before upgrading.
- Can I try it before paying?
- Yes — there's a free trial that lasts 30 days.
- How does the pricing work?
- It's a per-seat charge stacked on top of a platform fee tied to headcount, so the $15/mo/user sticker price isn't the full story — you're really paying for user licenses plus a company-wide access fee. That hybrid structure means small teams get a deceptively simple entry point while the real cost scales with org size.
- Is there a discount for annual billing?
- Save 20% with annual billing.
- Which plan makes sense for me?
- Free is the wedge — probably capped on card issuance, integrations, or automation depth — built to get finance teams hooked on the core expense/card workflow. Plus is where most mid-size companies live once they need real controls and reporting, and Enterprise kicks in when procurement, custom approval chains, or dedicated support become non-negotiable for larger orgs.
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Comparing Ramp to something specific? Try Ramp vs Bill.com, Ramp vs Brex, or Ramp vs ChartMogul. Or see the best Ramp alternatives, ranked.
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