Ramp Pricing: Plans, Costs & What You Actually Pay
Ramp's Free plan is $0 per user per month and already includes corporate cards, travel and expense, accounts payable, banking and basic accounting automation. Plus is $15 per user per month plus a platform fee based on team size, and Enterprise is custom.
Quick answer
Ramp publishes its prices. Per user per month for Plus at $15, plus a platform fee that scales with team size.
Free option: Yes — the Free plan is $0 per month per user
Trial: The Free plan can be used directly by signing up
Plans at a glance
| Plan | Price | What it is |
|---|---|---|
| Free | $0 / month / user | Includes corporate cards with unlimited physical and virtual cards and issuing controls; travel and expense with completion via SMS or Slack, custom travel policy, flight, hotel and car booking, and automatic receipt collection and matching; accounts payable with AI invoice extraction, configurable approval workflows, automated fraud checks and payment by ACH, card, check or wire; accounts receivable with invoice creation, automated follow-up and cash application; banking with 2% on an FDIC-insured checking balance and 4.63% on an investment account, no minimums or transfer caps, and free wires plus same-day ACH; basic accounting automation with QuickBooks Online and Xero; AI custom reports; and vendor management with automated tracking, contract extraction and price intelligence. |
| Plus | $15 / month / user + platform fee (based on team size) | Annual billing saves 20%. Adds AI-driven expense review and policy insights, automatic card locking when compliance is unmet, 24/7 phone support for travel bookings, auto-coded line items, AI-driven approval recommendations, automated batch payments and payment release approvals in accounts payable, procurement as an add-on, NetSuite and Sage Intacct integrations, AI coding for every field, multi-entity support, automatic tax capture and coding, shareable reports with scheduled exports, budget-versus-actual tracking, custom user roles, multi-entity visibility restrictions and an audit log. |
| Enterprise | Custom — contact sales | Billed annually. Adds Workday and Oracle Fusion Cloud integrations, locally funded reimbursements, card payments in local currency, local currency card issuing in more than 30 countries, a dedicated account and customer success manager, priority 24/7 global support, implementation services, custom development, ERP extensions and advanced organisation, role and entity configuration. |
How billing works
The billing metric is: Per user per month for Plus at $15, plus a platform fee that scales with team size.
Fees that are easy to miss
- 1099 filing (NEC and MISC): $0.65 per IRS filing, with state filing free
- Accounts Receivable is an add-on on all three tiers
- Procurement is an add-on available to Plus and Enterprise
Before you sign: what actually moves the price
- Most small and mid-sized teams can run cards, expenses and accounts payable entirely on the Free plan, so do not pay before you need to
- The Plus platform fee varies with team size, so get the total annual figure in writing before signing
- Confirm whether Accounts Receivable and Procurement are inside your contract, because both are add-ons
- Annual billing saves 20% against monthly
Frequently asked questions
Is Ramp actually free?
The Free plan is genuinely $0 per month per user and covers corporate cards, expense management, accounts payable, accounts receivable, banking and basic accounting automation. Ramp earns through card interchange and financial services rather than seat fees.
How much is the Plus platform fee?
The pricing page says the platform fee is based on team size but does not publish a fixed amount, so you need to sign up or ask sales for your actual figure.
What does 1099 filing cost?
$0.65 per IRS filing, and state filing is free.
When should I move from Free to Plus?
When you need AI expense review, automatic card locking on non-compliance, batch payments, NetSuite or Sage Intacct integration, multi-entity support, or custom approval roles.
Are accounts receivable and procurement included?
No. Both are add-ons. Accounts Receivable is an add-on on every tier and Procurement is an add-on for Plus and Enterprise.
Where this data comes from
Primary source: https://ramp.com/pricing — retrieved 2026-10-22.
Prices change. Every figure here is a snapshot taken on the retrieval date shown on each page. Confirm with the vendor before signing.