Richard Moy

Richard Moy

Finance Writer, Ramp

Richard Moy has written extensively about procurement and vendor management topics for companies like BetterCloud, Stack Overflow, and Ramp. His writing has also appeared in The Muse, Business Insider, Fast Company, Mashable, Lifehacker, and more.

Articles by Richard Moy

Digital wallet: What it is, how it works, and types

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Digital wallet: What it is, how it works, and types
A digital wallet is a secure app that stores your payment info and lets you pay online or in-store with your phone using tokenization and biometrics.
What is share dilution? Guide for founders in 2025

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What is share dilution? Guide for founders in 2025
Dilution in finance occurs when new shares are issued, reducing existing owners’ equity stake, ownership, and control.
The best instant or pre-approved business credit cards in October 2025

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The best instant or pre-approved business credit cards in October 2025
Discover the top instant or pre-approved business credit cards. Get the best options for business credit card pre-approval and find your perfect fit.
Which high-limit business credit card is right for you? October 2025

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Which high-limit business credit card is right for you? October 2025
The best high-limit business credit cards combine purchasing power with other benefits, like built-in expense management. See our top picks.
What an LLC should look for in a business credit card

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What an LLC should look for in a business credit card
Business credit cards offer LLC owners a way to separate their business and personal finances while building credit. Here's what LLCs should look for in a card.
How do cashback credit cards work? A guide for businesses

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How do cashback credit cards work? A guide for businesses
Cashback credit cards earn you a small percentage back on eligible spending. Learn how they work, how to redeem rewards, and how to choose the card for you.