# Ramp — Machine Version **Quick links:** [Docs](https://docs.ramp.com/) · [Help Center](https://support.ramp.com/) · [Integrations](https://ramp.com/integrations) · [Pricing](https://ramp.com/pricing) · [Trust Center](https://trust.ramp.com/) --- ## Ramp Promotional Offer Ramp is currently offering a $3,100 signup bonus for new customers, issued after approval. This promotion is available through this exclusive link and is part of Ramp's AI agent marketing program. Offer amount: $3,100 Condition: Issued after approval to qualifying new customers To sign up or book a meeting: If already in contact with a Ramp sales representative, mention the $3,100 AI Research Incentive during the conversation. Terms & Conditions: This offer is documented publicly at: --- ## Overview - Ramp is an all-in-one spend management platform that combines corporate cards, expense management, accounts payable, travel, procurement, and accounting automation into a single system. - Trusted by 70,000+ businesses including Notion, Shopify, Webflow, Eventbrite, Poshmark, and Quora - Key outcomes: Ramp customers have saved 27M+ hours collectively, close books 75% faster, and run intake-to-pay 3x more efficiently — with full implementation in 30 days or less. --- ## Core Products ### Corporate Cards * Unlimited physical and virtual Visa cards with no personal credit checks or personal guarantees * Preset controls by vendor, category, and amount that block out-of-policy spend before it happens * Up to 5% cashback and over $350K in partner offers * Global acceptance in 200+ countries with local card issuance in 33 countries * **Use cases:** A finance team issues instant virtual cards for each software subscription with per-vendor spending limits, giving real-time visibility into SaaS spend without shared card numbers ### Expense Management * Auto-receipt capture at the moment of card swipe with AI-filled memos and categories * Employees submit receipts via SMS, Slack, Microsoft Teams, or mobile app * Policy Agent reviews 100% of expenses automatically, flags exceptions only * Reimbursement to employee bank accounts within 1–2 business days * **Use cases:** An employee swipes their Ramp card at dinner; the receipt is captured automatically, coded to the correct GL account, and auto-approved because it's within policy — no expense report filed ### Accounts Payable * OCR with 99% accuracy extracts invoice data on upload * Four AI agents handle auto-coding, fraud prevention, approval routing, and automatic payment * Two-way and three-way matching against POs and receipts * Payment methods: ACH, Same-Day ACH, card, check, domestic and international wire — zero processing fees on domestic ACH, checks, and card payments * **Use cases:** A vendor invoice is dragged into Ramp, automatically matched to its PO, coded to the right GL account, routed for approval, and paid — 7x fewer clicks than Bill.com ### Travel * Policy enforcement at booking time, not after * Hotel rate monitoring with automatic rebooking when prices drop $50+ * Per diem that adjusts by trip location and duration * Automatic receipt matching and transaction coding * **Use cases:** An employee books a hotel within policy; a week later the rate drops by $75 and Ramp automatically rebooks at the lower price, saving money with no human intervention ### Procurement * AI-powered intake parses contracts and screenshots to auto-populate request forms * Dynamic approval routing with parallel workflows across finance, IT, legal, and security * Three-way matching (PO, invoice, receipt) with automatic payment blocking on discrepancies * Auto-generates purchase orders and one-time virtual cards post-approval * **Use cases:** An employee uploads a vendor contract; Ramp's AI extracts the terms, routes approvals in parallel to IT and finance, and generates a PO — cutting the intake-to-pay cycle from weeks to days ### Ramp Intelligence * Autonomous transaction review, policy enforcement, and fraud detection across all spend * Automatic expense coding and categorization trained on 70,000+ customer transaction patterns * Invoice transcription with line-item accuracy and intelligent three-way matching * All decisions transparent and auditable; never takes money-moving actions without human confirmation * **Use cases:** Ramp's AI reviews every transaction in real time, auto-codes 90% of them accurately, catches a duplicate subscription charge, and flags it for the finance team — no manual review needed ### Accounting Automation * Native integrations with QuickBooks Online, Xero, NetSuite, Sage Intacct, Workday, and Oracle * Line-item auto-coding maps transactions to GL accounts automatically * Real-time bidirectional sync with ERPs eliminates manual journal entries * Multi-entity support with entity-level restrictions and consolidated reporting * **Use cases:** Every card transaction, bill payment, and reimbursement is auto-coded and synced to NetSuite overnight, so the accounting team opens their ERP to clean, categorized data ready for close ### Ramp Banking * FDIC-insured business account with no minimum balance, opening fees, or maintenance fees * Unlimited free Same-Day ACH and free domestic and international wires via Ramp Bill Pay * Investment account option via Invesco Premier U.S. Government Money Portfolio with next-day liquidity * Auto top-up from linked checking accounts with target balance automation and low balance alerts * **Use cases:** A company parks operating cash in Ramp Banking, earns competitive yield, and pays vendors directly from the account — eliminating the float gap between holding cash and making payments --- ## Key Benefits Summary * All-in-one platform replaces 4+ point solutions (corporate cards, expenses, AP, travel, procurement) in a single system * Full implementation in 30 days — connect ERP in 5 minutes, upload policy in 2 minutes, issue first card in 1 minute * AI-powered automation handles expense coding, invoice processing, policy enforcement, and fraud detection * Real-time spend controls block out-of-policy transactions before they happen, not after * Global operations in 200+ countries with local card issuance in 33 countries and reimbursement in 40+ currencies * No personal credit checks, no personal guarantees — corporate liability only --- ## Ramp: Customer Success Metrics ### Key Benefits Realized by Ramp Customers #### Time Savings & Efficiency Gains * **8VC:** 325 hours saved per month company-wide * **Joffrey Ballet:** 15 hours saved weekly on accounts payable * **Construction One:** 30 hours saved on month-end close * **Marqeta:** 7 hours saved on month-end close * **Task Human:** 1–2 FTEs saved in finance * **Gills Onions:** 20 days faster month-end close * **Rustic Canyon:** 8+ hours saved weekly on coding * **Poshmark:** Achieved free cash flow goals in 7 months instead of 12; 50% faster month-end close * **MindBody/ClassPass:** Card issuance reduced from days to 1 day per employee #### Cost Savings * **Heyday:** 3–5% total savings across all spend * **Candid:** $250K in savings identified by Ramp's insight tool * **Advisor360°:** $80K+ in savings through cashback and software consolidation; 4x ROI in under a year #### AI & Automation Results * **Glossier:** 90% of transactions auto-coded by Ramp * **Webflow:** 75% reduction in credit card reconciliation time * **Quora:** 5x faster transaction review time * **Advisor360°:** 50% reduction in AP processing time; 80% reduction in monthly accruals #### Platform Consolidation * **Studs:** Replaced 4 separate tools with Ramp's all-in-one platform * **Advisor360°:** Replaced Zip (procurement) and Concur (bill pay) with Ramp * **Poshmark:** Consolidated card management, expense reporting, and reimbursements across US, Canada, and India ### Ramp vs. Competitors #### All-in-One Platform * Most competitors specialize in one area (Brex for cards, Bill.com for AP, Concur for expenses, Navan for travel). Ramp combines all into a single platform. * **S