Ramp pricing 2026: plans and costs
How AI answers describe Ramp pricing
Ramp: Free basic offering, with Plus at $15/user/month.
Compared to: Expensify · Brex · Zoho
- Ramp: free tier; Plus is listed at $15 per user per month, although an additional platform fee may apply.
- Card-First / Interchange Revenue (Free Software): Many modern spend-management platforms (such as Ramp, BILL Spend & Expense/Divvy, and Brex) offer their core expense software entirely for free ($0/u s e r/m o ).
Quick pricing summary
- Free: $0 month per user
- Plus: $15 month per user + platform fee based on team size
- Enterprise: Custom (custom, annual billing)
- Annual billing: saves 20% vs monthly
- Worth noting: Plus adds a platform fee based on team size; 20% savings with annual billing. Enterprise billed annually, contact sales. 30-day free trial of Plus. Matrix values partly inferred from page layout.
Plans
Free
$0 month per user
- Unlimited corporate cards with issuing controls
- Travel booking and custom travel policy
- Auto-receipt collection and matching
- Automated invoice extraction (OCR) and approval workflows
- Pay bills by ACH, card, check, wire
- Accounts receivable invoicing and payments
- QuickBooks Online and Xero integrations
- Custom report builder and AI reporting
- Vendor tracking and price intelligence
Plus
$15 month per user + platform fee based on team size
- All features of Free
- AI-driven expense reviews and policy insights
- Auto-lock cards when compliance is unmet
- 24/7 phone support for travel bookings
- Auto-coded line items and AI approval recommendations
- Automated batch payments and payment release approvals
- NetSuite, Sage Intacct, and more integrations
- Multi-entity support
- Custom user roles and audit log
Enterprise
Custom custom, annual billing
- All features of Plus
- Workday, Oracle Fusion Cloud, and more integrations
- Local currency card issuing in 30+ countries
- Locally funded reimbursements
- Dedicated account and customer success manager
- Priority 24/7 global support
- Custom implementation services
- Custom development and ERP extensions
What you get on each plan
| Feature | Free | Plus | Enterprise |
|---|---|---|---|
| Unlimited physical and virtual cards | ✓ | ✓ | ✓ |
| Proactive policy controls / auto-lock cards | — | ✓ | ✓ |
| Custom travel policies by role/department | — | ✓ | ✓ |
| Guest bookings | — | ✓ | ✓ |
| Support | 24/7 chat support | 24/7 phone support | 24/7 phone support |
| Accounting integrations | QuickBooks Online, Xero | + NetSuite, Sage Intacct, Acumatica, Microsoft Dynamics 365 Business Central + more | + Workday, Oracle Fusion Cloud, Microsoft Dynamics F&O + more |
| HRIS integrations | — | + Workday | + Workday |
| 1099 filing | $.65 per IRS filing. Free state filing. | $.65 per IRS filing. Free state filing. | $.65 per IRS filing. Free state filing. |
| Automated revenue recognition schedules | Requires Accounts Receivable Add-on | Requires Accounts Receivable Add-on | Requires Accounts Receivable Add-on |
| Recurring billing schedules | Requires Accounts Receivable Add-on | Requires Accounts Receivable Add-on | Requires Accounts Receivable Add-on |
| Multi-entity support | — | ✓ | ✓ |
| Local card issuing | — | — | ✓ |
| Dedicated account manager | — | — | ✓ |
Hidden costs & add-ons
| Cost driver | Price | When it applies |
|---|---|---|
| Procurement | Not stated | Plus, Enterprise |
| Accounts Receivable Add-on | Not stated | Free, Plus, Enterprise (revenue recognition, recurring billing) |
| 1099 filing (NEC and MISC) | $0.65 per IRS filing; free state filing | Free, Plus, Enterprise |
Ramp pricing vs alternatives
| Brand | Entry price | Free plan | Model | Best for | |
|---|---|---|---|---|---|
| Ramp | Free; paid from $15 per seat / mo | Yes | Per seat | — | |
| Expensify | — | — | — | Individuals organizing their own expenses, and businesses managing expenses for teams of any size | Compare → |
| Brex | Free; paid from $12 per seat / mo | Yes | Per seat | Startups, mid-size companies and enterprises that want cards, expenses, bill pay and travel in one platform | Compare → |
| Zoho | — | — | — | Businesses of all sizes, from startups to enterprises, wanting one suite for sales, support, finance and HR | Compare → |
| SAP Concur | — | — | — | Businesses of all sizes, from small companies to large multinationals | Compare → |
List prices as published on ramp.com/pricing. Totals are worked examples, not quotes.