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

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 securely stores payment info on your phone or wearable, letting you pay without a physical card, using tokenization and biometrics.
How to check your business credit score for free

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How to check your business credit score for free

A business credit score is a numerical rating of your company's creditworthiness that lenders and suppliers use to evaluate risk before extending credit.
The best instant or pre-approved business credit cards in June 2026

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The best instant or pre-approved business credit cards in June 2026

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.
Bookkeeping vs. accounting: Key differences explained

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Bookkeeping vs. accounting: Key differences explained

Bookkeeping records transactions while accounting analyzes and interprets them to support business decisions, tax compliance, and financial planning.
Best business credit cards for fair credit in 2026

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Best business credit cards for fair credit in 2026

Business credit cards for fair credit (580–669 FICO) include secured cards, unsecured options, and corporate charge cards that bypass personal credit checks.
Is business credit card interest tax-deductible?

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Is business credit card interest tax-deductible?

Business credit card interest is generally tax-deductible as a business expense under IRS rules, provided the card is used exclusively for business purchases.