Stackmark

SystemsVendor profile

Ramp

Corporate card, expense, travel and accounts payable software with a free tier and a published per-user Plus plan, funded partly by card interchange rather than transaction fees. Aimed at startups through multi-entity companies on QuickBooks Online, Xero, NetSuite, Sage Intacct and, on Enterprise, Workday or Oracle Fusion Cloud.

56 facts on record4 sourcesverified September 20264 modules

Compare with BILL

01Profile

Categories
Spend management, AP automation, Treasuryverified 2026-09-07Suggest a correction
Company size fit
1–10,000 employeesverified 2026-09-07Suggest a correction
Cost band
Entryverified 2026-09-07Suggest a correction
Deployment
Cloudverified 2026-09-07Suggest a correction
Headquarters
New York, New York, United Statesverified 2026-09-07Suggest a correction
Regions served
North America, EMEAverified 2026-09-07Suggest a correction
Founded
2019verified 2026-09-07Suggest a correction
Website
ramp.comverified 2026-09-07Suggest a correction
Customers claimed
70,000 (vendor figure, as of 2026-09-07)[1]verified 2026-09-07Suggest a correction

02Pricing and editions

Pricing model
Per userverified 2026-09-07
Published list price
$15 per user per month, Plus plan, plus a platform fee based on team size; Free plan at $0, as published 2026-09-07[2]verified 2026-09-07
EditionStated size fitNote
Free1–50 employees$0 per user per month. Unlimited cards, travel and expense, AP with OCR capture, approval workflows and payment by ACH, card, check and wire, QuickBooks Online and Xero integrations. The vendor says it is for smaller teams; the employee band is Stackmark's approximation.[2]
Plus10–1,000 employees$15 per user per month plus a platform fee based on team size, 20% off with annual billing. Adds NetSuite, Sage Intacct, Acumatica and Dynamics 365 Business Central integrations, multi-entity support, custom roles, audit log and global coverage. Employee band is Stackmark's approximation.[2]
Enterprise200–100,000 employeesCustom pricing, annual billing. Adds Workday, Oracle Fusion Cloud and Dynamics F&O integrations, local-currency card issuing in 30-plus countries, locally funded reimbursements, dedicated success manager and implementation services. Employee band is Stackmark's approximation.[2]

03Functional depth

How deeply each module is covered, as recorded against the sources below. Core and moderate are native; partner means a certified add-on carries it; none is a recorded absence.

Coverage Map · ERP and finance systems · 2026-Q3COVERAGE MAP · ERP AND FINANCE SYSTEMS · 2026-Q3AI featuresAsset managementBusiness intelligenceCRMEcommerceField serviceFinancial managementHR and payrollInventory managementLocalizationsManufacturing managementProcurementProject managementQuality managementSupply chain managementWarehouse managementRamp 1Ramp · AI features: Core. Core — native, documented as a primary module. Footnote 1.Ramp · Asset management: None. None — the vendor does not offer it. Footnote 1.Ramp · Business intelligence: Moderate. Moderate — native, documented as secondary or lighter scope. Footnote 1.Ramp · CRM: None. None — the vendor does not offer it. Footnote 1.Ramp · Ecommerce: None. None — the vendor does not offer it. Footnote 1.Ramp · Field service: None. None — the vendor does not offer it. Footnote 1.Ramp · Financial management: Moderate. Moderate — native, documented as secondary or lighter scope. Footnote 1.Ramp · HR and payroll: None. None — the vendor does not offer it. Footnote 1.Ramp · Inventory management: None. None — the vendor does not offer it. Footnote 1.Ramp · Localizations: None. None — the vendor does not offer it. Footnote 1.Ramp · Manufacturing management: None. None — the vendor does not offer it. Footnote 1.Ramp · Procurement: Moderate. Moderate — native, documented as secondary or lighter scope. Footnote 1.Ramp · Project management: None. None — the vendor does not offer it. Footnote 1.Ramp · Quality management: None. None — the vendor does not offer it. Footnote 1.Ramp · Supply chain management: None. None — the vendor does not offer it. Footnote 1.Ramp · Warehouse management: None. None — the vendor does not offer it. Footnote 1.CoreModeratePartnerNoneUnverifiedRows alphabetical · no totals · reuse with attribution, uncropped

Coverage Map · ERP and finance systems · 2026-Q3

  1. 1Ramp — depth stated from 4 sources, verified 2026-09-07

04Vertical focus

Industries the vendor names in its own positioning. Absence from this list is not a statement that the system is unsuitable, only that the vendor does not lead with it.

  • Retail
  • Life sciences

05Strengths and watch-outs

Strengths

  • The Free plan includes corporate cards, travel and expense, AP with OCR invoice capture and approval workflows, and QuickBooks Online and Xero integrations at $0 per user.[2]
  • No processing fees on domestic ACH, check or Ramp card payments, and free wires and same-day ACH through Bill Pay.[3]
  • Bill Pay can run standalone, without the cards or expense products, and syncs with ten ERPs including NetSuite, Sage Intacct and QuickBooks.[3]
  • Two- and three-way matching against purchase orders imported from NetSuite or QuickBooks, or created with item receipts inside Ramp.[3]
  • 1099-NEC and 1099-MISC preparation and IRS e-filing from bill-pay data at $0.65 per filing, with state filing free.[2]
  • Multi-entity accounting on Plus: entity-specific payment tracking, multi-entity visibility restrictions, custom fields and NetSuite amortization templates.[2]

Watch-outs

  • Plus is $15 per user per month plus a platform fee based on team size that is not published; Enterprise is quoted and billed annually.[2]
  • Procurement (intake workflows, PO management, vendor compliance reviews) is an add-on to Plus or Enterprise, not part of either plan.[2]
  • Mid-market ERP connectors (NetSuite, Sage Intacct, Acumatica, Dynamics 365 Business Central) require Plus; Workday, Oracle Fusion Cloud and Dynamics F&O require Enterprise.[2]
  • Local-currency card issuing, locally funded reimbursements and paying card statements in local currency are Enterprise-only features.[2]
  • Cards are charge cards issued by partner banks (Celtic, Sutton, Lead and Column in the US; Peoples Trust in Canada; Stripe in the UK and EEA), subject to credit approval.[1]
  • Bill amortization depends on the NetSuite integration; the sources document it only for NetSuite amortization templates.[3]

06Consider when

  • Consider Ramp when you want corporate cards, expenses and AP in one system on QuickBooks Online, Xero or NetSuite and are prepared to start on the free tier.[2]

  • Consider Ramp when AP pricing that does not charge per invoice or per domestic payment matters more than depth of ERP customisation.[3]

07Evaluated alongside

Systems with a comparable size fit and cost band, which is why they appear on the same shortlists. Each link opens a head-to-head built from both records. They are the pairings a buyer is likely to shortlist, not a limit on what can be compared: any two systems in the dataset can be laid side by side, including combinations we never pair.

Those are the systems commonly evaluated alongside Ramp, not a limit on what can be compared. Choose any system to compare with Ramp.

08Module notes

One note per module the system offers: the recorded depth, what to ask in a demonstration, and which other tracked systems carry the module natively.

09Questions buyers ask

How is Ramp deployed?
As cloud software with mobile approvals and SMS and Slack expense capture; setup starts by connecting your accounting provider and a bank account.[3]
Is Ramp really free?
The Free plan is $0 per user and includes cards, expenses, travel and core Bill Pay with no processing fees on ACH, check or card payments. Plus costs $15 per user per month plus a platform fee; Enterprise is custom.[2]
Which accounting systems does Ramp integrate with?
QuickBooks Online and Xero on Free; NetSuite, Sage Intacct, Acumatica and Dynamics 365 Business Central on Plus; Workday, Oracle Fusion Cloud and Dynamics F&O on Enterprise. Workday is also available as an HRIS integration.[2]
Can I use Ramp for AP without taking its cards?
Yes. The vendor states Bill Pay works standalone, with invoice processing, approvals, vendor management and payments independent of the corporate card and expense products.[3]
How are vendors paid?
Standard and same-day ACH, check (Ramp debits your bank and mails the check), Ramp card or one-time virtual card, and domestic or international wire in USD or foreign currency. Vendors do not need a Ramp account.[3]
What size of company is Ramp for?
The vendor positions Free for smaller teams and Enterprise for full customisation, describing customers from startups to global enterprises and multi-entity organisations. Stackmark's employee range is an approximation.[2]
Who owns Ramp?
Ramp Business Corporation is privately held, founded in March 2019 by Eric Glyman, Karim Atiyeh and Gene Lee, headquartered in New York City with offices in Miami and San Francisco.[4]

10Sources

Every fact in this profile was taken from the pages below, on the date shown. Footnote markers on the page point here. The positioning statement is Stackmark’s own.

  1. [1]Spend Management, Corporate Cards & Accounts Payable Solutions | Ramphttps://ramp.com/ · retrieved 2026-09-07
  2. [2]Ramp Pricing and Planshttps://ramp.com/pricing · retrieved 2026-09-07
  3. [3]Ramp Bill Pay: Accounts Payable Automation Softwarehttps://ramp.com/accounts-payable · retrieved 2026-09-07
  4. [4]Ramp (company) - Wikipediahttps://en.wikipedia.org/wiki/Ramp_(company) · retrieved 2026-09-07