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

Liabilities vs. expenses: Key differences explained

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Liabilities vs. expenses: Key differences explained

Liabilities are debts a business owes and appear on the balance sheet. Expenses are costs incurred to generate revenue and appear on the income statement.
Which high-limit business credit card is right for you? August 2026

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Which high-limit business credit card is right for you? August 2026

The best high-limit business credit cards combine purchasing power with other benefits, like built-in expense management. See our top picks.
What is a payment processor and how does it work?

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What is a payment processor and how does it work?

A payment processor is a service that authorizes, routes, and settles payment transactions between customers and businesses through card networks and banks.
What is a digital wallet and how does it work?

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What is a digital wallet and how does it work?

A digital wallet is software that securely stores payment information and lets you make contactless, online, and in-app payments without physical cards.
Current assets: Definition, types, and examples

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Current assets: Definition, types, and examples

Current assets are all the liquid resources a business owns that it can sell, consume, or convert into cash within one year or one operating cycle.
Which startup business credit cards don't require a credit check?

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Which startup business credit cards don't require a credit check?

A no credit check business credit card lets startups access spending power based on business financials rather than personal credit history.