Freemium with per-user pricing on the entry tier, a platform fee on Plus, quote-only Enterprise pricing, and transaction-based fees for certain Bill Pay payment methods.
↻ Billing notes
Ramp publicly offers Free and Plus on its pricing page, with Enterprise as custom pricing and annual billing. The page explicitly says annual billing saves 20% on Plus. Ramp’s help center states that Bill Pay fees are summarized and presented at the end of each monthly billing period, and that some transaction fees are effective June 1, 2026 with a three-month grace period for active Bill Pay customers who had at least one bill paid before May 1, 2026. The supplied documents do not disclose a public trial length, seat minimums, or a renewal cadence beyond annual billing for Enterprise.
Expense management with SMS/Slack receipt submission
Accounts payable with OCR invoice capture
Travel booking with custom policies
Treasury account with variable-rate earnings
QuickBooks Online and Xero integrations
Ramp’s pricing page does not publicly disclose a seat minimum for Free. The public page also does not disclose usage caps for the core Free tier, and Ramp’s help center describes the core Ramp card and expense management software as free to use.
Plus
Monthly; annual billing available with a 20% discount
$15/mo/user + platform fee
Everything in 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
AI-driven approval recommendations
Procurement is available as an add-on to Plus or Enterprise. Ramp does not publicly disclose a seat minimum for Plus on the supplied pricing pages.
Enterprise
Annual billing
Custom
Everything in Plus
Workday, Oracle Fusion Cloud, and more integrations
Locally funded reimbursements
Pay card payments in local currency
Local currency card issuing in 30+ countries
Dedicated account and customer success manager
Ramp publicly describes Enterprise as custom pricing with annual billing. The supplied pricing pages do not disclose a seat minimum, contract minimum, or public overage schedule.
Procurement is listed as an add-on to Plus or Enterprise. Ramp publicly includes advanced intake and approval workflows, AI-driven vendor compliance reviews, automated PO creation and tracking, and three-way match with Ramp purchase orders, but the supplied documents do not disclose a public add-on price.
⚠ Ramp publicly says the core card and expense management software is free to use, but Bill Pay is not universally free because several payment methods have per-transaction charges. The help center lists Standard ACH at $0.59 per transaction, same-day ACH at $10, domestic wires at $15, international wire (SWIFT USD) at $20, standard check payments at $1.99 per transaction, overnight check delivery at $20 per transaction, and check attachments at $1 per page. Ramp also says some Bill Pay fees are waived when paying from a Ramp Checking Account, but overnight check delivery and check attachments still apply.
⚠ Ramp’s public pages also indicate that the Plus plan is priced as $15/mo/user plus a platform fee, which means the publicly listed sticker price is not the full bill for every customer. However, the supplied documents do not disclose how the platform fee is calculated, what team-size bands apply, or whether any implementation, support, or overage fees can apply to specific contracts outside what is publicly listed.
Yes, Ramp publicly says its core card and expense management software is free to use, and its pricing page lists a Free plan at $0/mo/user. The Free tier includes corporate cards, expense management, accounts payable basics, travel booking, treasury, integrations, and custom AI reports. That said, some Bill Pay payment methods carry separate transaction fees, so the total cost can still vary based on how you pay vendors.
Ramp publicly lists Plus at $15/mo/user plus a platform fee. The same pricing page says annual billing saves 20%, but it does not disclose the platform fee amount or how that fee is calculated. Plus includes the Free features plus AI-driven expense reviews, auto-lock controls, advanced AP, stronger accounting integrations, live budgets, and more.
No, Ramp publicly labels Enterprise as custom pricing with annual billing. The supplied pricing pages do not show a list price for Enterprise and do not disclose a public seat minimum. Buyers need to contact Ramp for a quote.
Yes. Ramp’s help center publicly lists several Bill Pay transaction fees, including Standard ACH at $0.59, same-day ACH at $10, domestic wires at $15, international wire (SWIFT USD) at $20, standard check payments at $1.99, overnight check delivery at $20, and check attachments at $1 per page. Ramp also says some of those fees are waived when paying from a Ramp Checking Account, except for overnight check delivery and check attachments.
