Ramp Review 2026

Buy the free plan when QuickBooks Online or Xero is the ledger and the company already clears the cash floor, since that tier has no software invoice. Buy Plus when NetSuite, Sage Intacct, or a second entity is what the close is missing, and get the platform fee in writing before the trial ends.

The software invoice is the platform fee, the bill-pay schedule, and sales tax. A controller who multiplies headcount by the Plus rate and stops there will understate the cost.

Toolradar data: our September 2026 expense management ranking evaluated 78 products, and BILL Spend & Expense is the top-listed name on that page.

Read the Ramp, Brex, and BILL profiles before the stack review.

The corporate cards guide and the spend management platforms guide hold the wider shortlist.

How we compared: Ramp, Brex, BILL, Rho, Airbase, and Navan pricing and product pages, plus Ramp's Plus billing policy, bill-pay fee schedule, US application rules, and foreign-transaction article, read on September 23, 2026. No vendor paid for a place in this review.

Ramp is a corporate card, expense, bill pay, travel, and accounting system for a US company, so those jobs can close in one place. The pricing page sells it as Free, Plus, and Enterprise, and it says 70,000+ finance teams use it.

Free is $0 per user per month and suits a company already on QuickBooks Online or Xero. It includes unlimited physical and virtual cards, expense submission by SMS or Slack, company-wide travel policies, invoice capture, and bill pay by ACH, card, check, or wire.

Plus is the automation tier, at the published seat plus a platform fee based on team size, with a discount for annual billing. It adds NetSuite, Sage Intacct, Acumatica, and Microsoft Dynamics 365 Business Central, plus multi-entity support.

Live budgets, custom user roles, an audit log, and auto-lock when required receipts are missing come on that same tier. Procurement is an add-on to Plus or Enterprise, so guided buying is not on the free tier.

Enterprise is a custom annual quote for Workday, Oracle Fusion Cloud, or Microsoft Dynamics F&O. It also adds locally funded reimbursements and local-currency card issuing in 30 or more countries, so a global card program is a sales cycle, not a page price.

Invoice creation is on every plan, but revenue recognition and recurring billing need an Accounts Receivable add-on Ramp does not price. The checking yield and the investment yield are different products, and a forecast that blends them books cash the checking account does not hold.

An application starts by testing whether the company meets the US entity rules. Ramp's US qualifications require a corporation, LLC, or limited partnership registered in the United States, an EIN, a physical US address, and at least $25,000 in a linked US business bank account.

The address cannot be a PO box, a virtual office, a registered agent, or a mail drop, and the signup email has to be a business address. Most operations and corporate spending have to be in the US, sole proprietors and individuals cannot apply, and nonprofits that meet the same tests can.

Ramp does not require a personal guarantee, which means the company carries the balance. It sets the card limit as a percentage of cash in linked accounts, or through revenue-based underwriting, and it does not publish that percentage, so the spendable limit is unknown until approval.

The product is a corporate liability charge card, subject to credit approval, and the pricing overview says it does not charge interest, late fees, or card replacement fees.

One-day terms and 30-day terms are different limits, and a business can run only one of them. On 1-day terms, Ramp pulls cleared charges from the Ramp Checking Account at 4 p.m. ET, and the limit is generally 100% of the available balance in that account, so the card spends only cash already sitting there.

Multi-entity companies cannot use 1-day terms, and switching terms means a support ticket rather than a setting.

Plus bills eligible active users, including the Auditor role, so a read-only auditor still costs a seat. Pending users, deactivated users, Guest users, and users assigned by an accounting firm are not seats. Enabling Plus enrolls every entity, so one subsidiary cannot sit on Plus while another stays on Free, and sales tax, if any, uses the business address.

The checking account has no minimum and no maintenance fee, it is a deposit at First Internet Bank of Indiana, and paying bills from it is what waives the transfer fees below.

Ramp publishes three software plans on its pricing page, read September 23, 2026, in US dollars. Free has no software fee, which is the plan to keep when the ledger is QuickBooks Online or Xero.

Plus is the published per-user seat plus a platform fee based on team size, annual billing is discounted, and the dollar amount of that fee is not on the page. Enterprise is a custom quote rather than a page price.

The Plus billing policy treats the product as per-user pricing and walks an example that is only seat math: 21 seats, two more added on day 11, and a next statement of $364 before sales tax.

That same policy shows a Plus month of $1,100, which is not a whole number of seats at the published rate, so some invoices already include more than headcount times the seat.

Fifty users at the published seat are $750 a month before the platform fee and before sales tax, and that figure is a floor. Annual plans are prepaid, seat additions still bill monthly, and removals are not credited, so cutting a user does not shrink a prepaid year.

A Plus trial is 30 days on the pricing page and one month in the billing policy, then the first bill hits. Fees are non-refundable. The software bill can be paid by ACH or cashback, in USD, CAD, EUR, or GBP.

Bill pay is a second invoice on top of the software seat. Ramp's pricing overview lists standard ACH at $0.59 and a standard check at $1.99, both effective June 1, 2026, with a three-month grace for customers who had already paid a bill before May 1, 2026.

Same-day ACH is $10, and a SWIFT USD international wire is $20. Paying from Ramp Checking waives standard ACH, standard checks, same-day ACH, domestic wires, and SWIFT. Overnight check delivery and per-page check attachments still bill.

1099-NEC and 1099-MISC filing is $0.65 per IRS form on every plan, and state filing is listed free. Card FX will not exceed a 3% margin when the charge currency differs from the statement currency.

International bill pay can include a foreign-exchange margin, and that article does not cap the bill-pay margin at the card figure.

Checking pays a variable 2% APY on eligible funds, accurate as of September 23, 2026, from First Internet Bank of Indiana, and that is the rate for a cash forecast. The investment account's 4.65% figure is a yield to maturity on a hypothetical $10 million portfolio, excludes fees, is not FDIC-insured, and can lose value.

Brex is the comparison when the objection is the unpublished platform fee. Essentials lists no software fee, and Premium is a published seat at $12 per user per month.

Essentials allows two entities, only one of them global, and NetSuite is on every plan's integration list, earlier than Ramp, where that ledger waits on Plus. The Brex review and Ramp vs Brex separate underwriting from the card.

BILL is the comparison when payables are the project and the card is secondary. Spend and Expense has no software fee, with credit lines from $1,000 to $5 million that are not guaranteed.

Published AP seats are Essentials at $49 per user per month, Team at $65 per user per month, and Corporate at $89 per user per month. Standard ACH and a mailed check match the fees Ramp posts, an international USD wire is $19.99, and faster ACH is $11.99.

Direct IRS 1099 filing is $2.99 per form, above Ramp's IRS filing fee, and NetSuite sits on custom Enterprise.

Rho charges no per-user fee when the forecast needs a printed cash-back percent. The standard rewards rate is 1.25% on up to $1,000,000 of eligible card spend a year, and rewards left untouched are forfeited after 12 months.

Rho's fee page lists a 1% foreign-currency conversion and a $30 international wire recall. Xero arrives as a bank feed, and reimbursements will not pay a bank account outside the US.

Navan fits when the trip is the bill, and travel has no trip fee for companies of 300 or fewer employees. Expense is free for five monthly users, then a per-user fee equal to the published Plus seat, and it does not issue the card, so the cash floor stays a Ramp question.

Airbase, now Paylocity for Finance, publishes no list price on Paylocity's pricing page.

The Airbase review, the Navan review, the AP automation guide, and Tipalti cover the adjacent buys.

Ramp fits a US corporation, LLC, or limited partnership that can show the cash floor and will either stay on QuickBooks Online or Xero, or pay for Plus because NetSuite, Sage Intacct, or a second entity is already in the close. It also fits a team that pays vendors from Ramp Checking, so the bill-pay schedule stays at zero.

Skip Ramp when qualification is the risk: an unincorporated sole proprietor cannot get an account, and a company under the cash floor should not schedule a rollout. Skip Plus when QuickBooks Online is the only ledger and the platform fee is still a blank.

Skip Ramp when guided procurement is the main job. Airbase opens on intake, and Ramp's procurement add-on has no published price. Rho prints a cash-back percent and a cap, which this pricing page does not. Navan fits when the company is under the employee cap and the trip is the bill.

If the next fee change should arrive before renewal, subscribe free.