2025 Release Notes

2025 Release Notes

2025 has been a big year for finance teams on Ramp.

As we wrap up the year, we're saying goodbye to busywork. This year, we delivered even more automation through the power of AI. Check out a recap of our top 2025 product releases:

Card, Expense Management, & Accounting

Expanded automation across the expense lifecycle to cut admin work, speed approvals, and make reimbursements effortless.

• Policy-enforcing AI agents – Policy Agents review every expense, auto-approve low-risk spend, and flag only the few that need human judgment.
• Manage expenses via SMS or Slack – Interact with Ramp entirely through Slack or SMS, no log-in required. Complete, submit, approve and ask questions by messaging Ramp.
• Automated expense follow-ups – Ramp's Policy Agents automatically follow up with employees for missing context, so you don't have to. That means cleaner reviews, fewer delays, and more confident approvals.
• AI-assisted coding – Ramp now helps streamline your month-end close by automatically categorizing transactions, grouping them for easier review, and proactively flagging items that may be coded incorrectly.
• Shared funds – Add co-owners to manage approvals when you’re away, share fund access through a link, and set individual spend limits so teams stay within budget.
• Bulk reimbursements – Ramp automatically groups related expenses, fills in required fields, and even suggests a smart title
• Employee repayments – Did someone go $5 over their per diem? Employees can repay the difference directly in Ramp. No follow-ups from finance, no back-and-forth.
• Recurring memos – Employees submitting the same expense month after month (e.g., same coffee shop, same subscription) can set a recurring memo once and let Ramp auto-fill the details every time going forward
• Spend program templates – Need to distribute funds across your whole team? Duplicate existing spend programs in a single click. Set limits, update access, or adjust rules in seconds – no need to start from scratch.

Travel

Smarter travel workflows that simplify bookings, edits, and guest travel while reducing friction and cost.

• Price drop – If you book a refundable hotel through Ramp Travel, we’ll automatically rebook if the price drops
• Flight modifications – You can now change the date, time, or route of an existing flight reservation inside Ramp Travel without contacting the support team.
• Guest travel booking – Need to book a trip for a job candidate or new hire? Invite guests with Ramp Travel to book flights and hotels using your policy and funds—or book on their behalf.
• Hotel loyalty – Users can now add loyalty numbers for hotel bookings to earn points and enjoy membership perks.
• Seat selection – Users can now select both free and paid seats at checkout within Ramp Travel. This eliminates the extra step of visiting the airline site to choose a seat, honors loyalty-status perks, and keeps the flight and seat selection process within one approval flow.

Accounts Payable

AP transformed into an intelligent, low-touch operation with faster processing, stronger fraud protection, and streamlined payments.

• Zero-touch coding – AP Agents code every line item instantly by analyzing the invoice, vendor details and past behavior. Paired with industry-leading OCR, invoice processing in Ramp is now zero-touch.
• Automated fraud checks – AP Agents flag suspicious invoices and vendors before a bill is even created, adding an extra layer of fraud protection without adding work.
• Recommended bill approvals – AP Agents surface the full context of every bill to approvers with a recommendation to approve or reject, so teams make faster, more informed decisions.
• Automated cash back – For eligible invoices, Agents automatically create a virtual card with the exact invoice amount, enter the payment details in the vendor's portal on the due date, and match the transaction to your bill once it clears so you can earn cashback—no manual intervention required.
• Automated bill batching – Streamline your payment process by paying multiple bills to a single vendor in one transaction, rather than handling each bill separately.
• Send overnight checks – Ramp enables you to pay vendors using overnight checks through FedEx Standard Overnight, providing a reliable and secure way to ensuring next-business-day delivery across the contiguous United States.
• Line-item splits – Accurately allocate the cost of a single line item on a bill across multiple accounting fields
• Pay ERP bills – Ramp gives customers the ability to pull bills directly from their accounting provider and pay them on Ramp Bill Pay.

Budgeting & Reporting

AI-powered reporting and audit-ready logs that deliver instant insights and reliable compliance.

• AI reporting – Ask questions about your company’s spend in plain English, and instantly receive charts, insights, and answers. No need to build reports manually or dig through filters. Just type your question, and Ramp’s AI will do the work.
• Audit log – Track over 200 platform events, in a SOX-compliant audit log. Filter by user or action, export to CSV, and maintain full visibility.
• Shared reports – Ramp's real-time reporting highlights features such as consolidated spend visibility across payment types, ability to view flagged spenders, and view managers with approvals remaining.

Procurement & Vendor Management

End-to-end vendor orchestration for cleaner data, faster onboarding, and synchronized vendor systems.

• AI Intake – AI Intake streamlines “requesting spend” by allowing requesters to ask for things in natural language or via uploaded documents. It helps route users to the right program and pre‑fills forms via document upload (OCR). Built for requesters who need funds or to procure software, and admins who want higher‑quality requests with less back‑and‑forth.
• Procurement workflow builder – Procurement uses a new workflow builder that allows you to create and customize complex procurement approval processes with an intuitive visual interface.
• Two-way vendor sync – Ramp now supports two-way vendor syncing with NetSuite, Sage Intacct, Xero, QuickBooks Online and other solutions—so changes made in one place instantly reflect in the other
• W-8 collection – foreign vendors can now upload W-8 paperwork as part of their onboarding flow
• Send invoices via vendor portal – vendors can now draft and submit templated invoices inside the same portal where they track and manage their profiles
• Vendor co-owners – You can assign multiple vendor owners – simply add them from the bill when paying a new vendor or directly from the vendor's profile.
• Verify vendor payment details – Ramp requires debit checks on all bank accounts you use to make payments within the Ramp platform for security purposes and confirmation that the account can successfully transact with Ramp.
• Vendor approval workflows – specific teams or managers can review every new vendor created in Ramp
• Manage SWIFT / IBAN details – international suppliers to enter and manage their own SWIFT/IBAN details directly, so there’s no more need for finance teams to manually chase down wire info

Global

Broadened cross-border capabilities: local issuing, settlements, and automated tax capture for seamless international operations.

• Local issuing & reimbursements – Spend locally in CAD, GBP, EUR, and now in AUD, SGD, and JPY. No FX fees, just clean, local transactions.
• Local Bill Pay – Pay vendors in Canada with local CAD debits. No FX fees, no delays. Support for GBP and EUR is coming soon.
• Automated tax capture – Ramp's AI reads receipts, tags VAT and GST, and syncs tax data to your ERP. No spreadsheets, no mapping, no manual work.

User management

More granular roles and entity controls to scale teams securely with precise access and visibility.

• Custom roles – Create custom roles by duplicating an existing system role and tailoring it to your organization’s needs or creating a new role from scratch, giving your company more flexibility and control over how you assign responsibilities.
• Multi-entity restrictions – Entity restrictions allow you to control which parts of your organization specific users can access within Ramp. This helps ensure that users only see the financial data relevant to the entities they manage, improving both security and clarity.

Treasury

Expanded cash management to automate liquidity, earn yield, and give tighter control over debits and virtual accounts.

• Ramp Business Account – Earn 2% on your operating cash with a Ramp Business Account. Free wires, same-day ACH for bill payments, no minimums, no fees.
• Ramp Investment Account – Invest idle cash into a secure government money market fund. Earn 4.02% yield while keeping your cash liquid.
• Automated cash manager – Get cash forecasts based on spend behavior, automate fund movements, and maximize earnings – all without compromising liquidity.
• Debit approvals – Exercise control over who can debit your account and whether those debits require approval – lock debits entirely, allow specific vendors, or allow all debits with built-in oversight.
• Virtual account numbers – You can now create unique account and routing numbers and assign them to different customers and vendors, for different use cases. You may customize debit control settings and pre-code accounting categories per virtual account number.