Best expense management for D2C startups

No more lost invoices or redundant paperwork. Integrated expense management, vendor management, bill pay, and real-time reporting in one place all within your Ramp account.
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Best expense management for D2C startups

No more lost invoices or redundant paperwork. Integrated expense management, vendor management, bill pay, and real-time reporting in one place all within your Ramp account.
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No personal credit checks or founder guarantee.
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Join the 10,000+ companies using Ramp
Join the 10,000+ businesses already simplifying their finances
An illustration of a Ramp card with separate coffe, flight and hotel category limits. Coffee is only allowed at La Colombe.

Automate expense categorization and receipt matching

Ramp's automation software makes expense categorization a breeze. With our spend controls, you can create smart rules that automatically categorizes expenses in a certain category or department, down to the merchant level. Our software learned over time for even greater accuracy and peace of mind. our OCR technology will also automatically scan receipts sent to us and match them to the appropriate transactions. And now, better yet, Ramp automatically collects receipts from your Gmail, Lyft and Amazon Business transactions and matches them without human touch required.

Empower employees

With Ramp's built-in card controls, you can issue unlimited cards at scale, generate virtual cards for benefits such as wellness stipends, and limit spending to certain amounts and categories. With these controls, you can be confident that all employee spending is within policy. And if anything is outside of policy, the transaction will be flagged immediately for review. Peace of mind for everyone.
A Ramp card with settings on top of it.  One blocks Taco Bell, one blocks "Alcohol and Bars" and one is a $500/month limit.

Keep a close eye on your burn

Get your financial vitals and curb unnecessary spend in real-time from one intuitive dashboard. Take 1.5% cashback on everything to reduce strain on cash flow. Inventory, supplies and operational expenses included.

More than just the right expense management for your D2C business

Replace your corporate card and expense management system today
Replace your corporate card and expense management system today

Unlimited 1.5% cashback

Forget points with confusing multipliers, get real money back with every single transaction.

No fees of any kind

No membership, foreign-transaction, setup, or replacement fees.

Runs on Visa

Accepted at millions of retailers across the globe, with built-in fraud protections and security benefits.

Mobile wallets compatible

Add your Ramp virtual cards to Apple Wallet or Google Pay for on-the-go swipes. Shop securely, pay privately.

Roll out in minutes

Get set up, issue cards, and start making payments in less than 15 minutes—whether you have 5 employees or 5,000.

Live support

Our experts are standing by to help you troubleshoot or offer guidance anytime you need it.

It’s Free

Apply easily and get the full Ramp experience for free. No personal credit checks or personal guarantees.

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FAQ

What is Ramp?
Ramp is the finance automation platform designed to save you time and money. Ramp is 5-in-1 software that consolidates corporate cards, expense management, bill payments, accounting automation, and insights and reporting into one user-friendly free platform providing you the best control and visibility.
How much does Ramp cost?
All of Ramp is free. It costs $0 to apply & use. No interests and no foreign transaction fees either.
What is expense management?
Expense management tracks, monitors, audits employee spends, and approves or reimburses the expenses that are aligned with the company's expense policy.
What is expense management automation?
The traditional expense management process typically includes 5-10 manual steps if not more and uses a paper- and spreadsheet-based system that requires a lot of time and energy to maintain and store. Finance team members have to chase down employees for receipts and expense reports at each month end to make sure the timely and accurate reimbursement and reporting. Unlike traditional expense management, expense management automation system like Ramp allows you to use software to automatically manage recording, tracking, reviewing, approving, and reporting for any employee expenses. Following the company's own expense policy, Ramp also automatically helps assure no one is overspending on any areas.
How Ramp automates the expense management process?
Here are just a few ways Ramp automates your expense management: 1) Advanced card level controls: Ramp allows admins to set and adjust spend limits on every card used in the business business. Managers can do the same with their teams. 2) Receipt and memo requirements: Admins can also set the business-level threshold for receipts, and then receive SMS or email notifications whenever these large transactions occur. 3) Automatic receipt matching: Employees are prompted to provide their receipts after each transaction, and Ramp will automatically match their receipts with the appropriate transactions. 4) Request and approval workflows: Employees can request to spend within Ramp, and you will be able to review and approve the spend in real time. 5) Multi-level approvals: You can set up custom approvals flows to help track approved expenses and new cards that are being created for employees and managers. 6) Real-time visibility: Through the Ramp dashboard, Admins can easily remind team members to upload their receipts, as well as view spend analytics and identify trends.
How can Ramp help my company save time?
Here are just a few ways Ramp saves you time: 1. Automatic expense submission: our automatic receipt matching saves time for both employees and finance teams. Users who make purchases simply need to take a picture of their receipt, then text or email it to Ramp! This also means that your finance team no longer needs to chase after employees for receipts. 2. Automatic categorization: Ramp automatically categorizes transactions based on the rules you set up so you can close your books more quickly. 3. Automatic policy enforcement: Ramp automatically declines out-of-policy transactions and flags them to the manager and your finance team.

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