Corporate finance platform providing expense management, cards, and bill pay for businesses.
Frequently Asked Questions
Where is Ramp located?
Ramp is located in New York, United States.
What industries does Ramp operate in?
Ramp operates in the following industries: finance, fintech, software.
When was Ramp founded?
Ramp was founded on 2026-03-10.
What is Ramp?
Ramp is a finance automation platform that combines corporate cards, expense management, bill payments, and accounting integrations into one unified system to help businesses control spending.
How much does it cost to use Ramp?
The core Ramp platform is free to use with no annual fees or interest charges. There are also paid tiers, such as Ramp Plus and Enterprise, which offer advanced features for a monthly fee per user.
How does Ramp make money if the basic plan is free?
Ramp primarily generates revenue through interchange fees, which are small percentages paid by merchants every time a customer uses a Ramp corporate card for a transaction.
Does applying for a Ramp card require a personal guarantee?
No, Ramp does not require a personal guarantee or a personal credit check. Approval and credit limits are determined based on the company's financial health and bank account balances.
Which accounting software does Ramp integrate with?
Ramp provides direct integrations with popular accounting software including QuickBooks Online, NetSuite, Sage Intacct, and Xero to automate expense categorization and reconciliation.
How are credit limits for a Ramp account determined?
Credit limits are determined dynamically by analyzing the business's cash balance and monthly revenue. Limits can be significantly higher than those offered by traditional small business credit cards.
Does Ramp offer both physical and virtual cards?
Yes, Ramp provides physical cards for employee travel and in-person spending, as well as unlimited virtual cards for online subscriptions, vendor payments, and specific project budgets.
Can Ramp be used for international business expenses?
Yes, Ramp cards can be used globally anywhere Visa is accepted. The platform also supports international bill payments in multiple currencies and offers advanced global expense management features.