A month of AP done in minutes.

Ramp Bill Pay supports a range of payment methods—including standard ACH, Same-Day ACH, Ramp card, check, and domestic and international wire (in USD or foreign currencies)—all within the Ramp platform.

For check payments, Ramp debits your connected bank account on the scheduled payment date and issues a check on your behalf.

If you choose to pay by card, you can use an existing Ramp card or generate a one-time virtual card. One-time cards can be sent by Ramp to the vendor's default contact on the bill's due date or be entered manually. Ramp automatically marks the bill as paid. You control which vendors are paid by card. Learn more.

Ramp makes it easy to go from uploaded invoice to completed payment—fast. You can forward invoices to your unique Ramp AP inbox, upload them manually, or bulk import via spreadsheet or from your accounting system. Ramp uses OCR to draft bills instantly, routes them through your approval workflow, and releases payment once approved—via ACH, card, check, or wire.

Admins and AP Clerks can track, edit, cancel, or archive bills at every stage, with full visibility into bill status throughout the process. Learn more.

Yes, Ramp supports both recurring bill payments and bill amortization.

You can set up recurring bills directly in Ramp's accounts payable software to automate routine vendor payments. Customize the frequency and ending date and Ramp will handle the rest. Learn more.

Ramp also supports amortization for bills via our NetSuite integration. You can sync existing Amortization Templates from NetSuite and apply them directly to bills in Ramp Bill Pay. Learn more.

Ramp collects vendor ACH details in two ways:

1. If bank information is included on the invoice, Ramp automatically extracts it—along with vendor data—to create a vendor record
2. You can also request ACH details directly from vendors within Ramp Bill Pay

Ramp also supports W-9 collection. You can manually upload W-9s to vendor records or request them from within Ramp. All vendor tax info and payment history can be exported as a CSV to simplify 1099 filing. Learn more.

Download a CSV AP Aging report directly from Ramp Bill Pay. Get a summary on the status of unpaid bills, showing what you owe, who you owe it to, and how much is overdue. Learn more.

Yes, you can import purchase orders into Bill Pay from NetSuite or QuickBooks, enabling a seamless PO-to-Bill workflow. Ramp also allows you to create purchase orders and item receipts directly within the platform. Ramp performs 2-way (PO to invoice) and 3-way (PO, invoice, and receipt) match, ensuring you are billed correctly. Learn more.

Getting started with Ramp Bill Pay is quick and flexible. You'll begin by connecting your accounting provider (or opt to skip and set it up later). Ramp can import vendor information directly from your accounting system, alternatively, you can also request vendors to submit their payments directly into Ramp. From there, you'll link a bank account for payments, choose your payment method, and set up approval flows, permissions, and optional automation like invoice forwarding.

Ramp Bill Pay is flexible by design—easy to set up, and ready to scale with your team. Learn more.

No. Vendors do not need to create a Ramp account to get paid, signing up to the vendor network is entirely optional. Ramp is designed to make payments fast and frictionless for both sides of the transaction. Once your team approves a bill, the vendor receives the payment on the scheduled payment date.

AP automation software streamlines core processes such as invoice capture, approval routing, PO matching, and payment execution. Once an invoice is received, the software extracts key details (like vendor info, line items, and totals), checks it against purchase orders or receipts, and routes it to the right approver.

Once approved, the bill is scheduled for payment and synced to your accounting system. Along the way, audit trails, compliance checks, and document storage are handled automatically—minimizing errors and boosting efficiency across the board.

The best AP automation software eliminates busywork, reduces risk, and integrates directly with your accounting systems. Look for tools that include:

• Smart invoice capture with OCR to eliminate manual entry
• Custom approval workflows based on roles, amounts, or business units
• PO-to-invoice matching for added accuracy
• Real-time syncing with systems like NetSuite, QuickBooks, or Xero
• Multi-entity and multi-currency support
• Built-in audit trails and compliance controls
• Flexible payment methods—including ACH, card, check, and wire

Bonus points for AI-driven controls that detect duplicates, flag discrepancies between POs and bills, and automate recurring or amortized expenses. Ramp Bill Pay includes all of these—offering a modern, fully integrated AP automation solution built for speed, accuracy, and scale.

Modern AP tools are designed to sync seamlessly with leading ERPs and accounting platforms. They push and pull data in real time—so when a bill is created, approved, or paid, the record is automatically reflected in your general ledger.

This integration minimizes manual entry, prevents reconciliation issues, and keeps books accurate without delay. Ramp, for example, integrates with NetSuite, QuickBooks, Xero, and more to ensure bills, payments and vendor information is automatically synced in real-time.

Pricing for AP automation software depends on your payment volume and business needs. Some platforms charge flat license fees, while others price per transaction. Features like OCR, approval workflows, and ERP integrations can also drive up the cost.

Ramp takes a different approach—offering powerful AP automation with a free tier and no processing fees for ACH, checks, or Ramp card payments. It's automation without the overhead, designed to help finance teams do more with less.