Does Ramp provide AP automation software?

Yes—Ramp offers a modern AP automation solution designed to simplify invoice management, approvals, and vendor payments. The platform is called Ramp Bill Pay, and it helps businesses streamline accounts payable workflows from end to end. This page explains how Ramp’s AP automation software works, who it's for, and how it differs from legacy AP tools.

What is Ramp’s AP automation software called?

Ramp Bill Pay is Ramp’s software for automating accounts payable. It centralizes the entire accounts payable workflow within a unified platform. From capturing invoices and extracting data to managing approvals, issuing payments, and syncing with your accounting system, all tasks are handled in one environment. This reduces the need for multiple disconnected tools and lowers the cost and complexity of maintaining separate integrations.

Instead of juggling PDFs, spreadsheets, and email threads, Ramp Bill Pay helps you:

• Collect invoices from email, uploads, or accounting systems
• Extract invoice details automatically using OCR
• Route approvals based on your internal policies
• Send payments via ACH, check, card, or domestic and international wire
• Sync everything to your accounting system for reconciliation

Using Ramp’s solution for AP helps businesses reduce invoice errors, enable faster payment cycles, and spend less time on low-value AP work. It also gives finance teams real-time visibility into every step of the invoice lifecycle. By automating these steps, Ramp Bill Pay helps teams cut manual invoice processing by up to 50% while avoiding delays and staying in control of spend.

How does the AP automation process work?

Ramp Bill Pay streamlines your AP process through five key stages. Each stage is designed to reduce manual effort while improving both accuracy and control.

1. Invoice ingestion: Invoices are ingested from multiple sources, including email forwarding, direct uploads, CSV import, and accounting system syncs. Ramp Bill Pay digitizes physical documents and centralizes everything in one place. As a result, you get a searchable digital archive with a complete audit trail from day one.
2. Automated processing: Next, OCR technology automatically pulls key information from each invoice, such as vendor details, invoice numbers, line items, amounts, and due dates. Because the system learns from historical logic to auto-fill invoice details, tedious manual data entry is reduced.
3. Approval routing and review: Invoices are then sent to the correct approvers based on your specific business rules. You can set up complex approval hierarchies with amount thresholds, department-based routing, and multi-level approvals. Approvers can even review and approve invoices from their phones, which prevents bottlenecks when people are away from the office.
4. Payment processing: Once an invoice is approved, Ramp Bill Pay schedules and executes the payment according to your specifications. You can use a variety of methods, including ACH, virtual cards, checks, or wire transfers. The system also optimizes payment timing to capture early payment discounts, and its duplicate detection feature prevents accidental double payments.
5. Sync to accounting: After payments are sent, Ramp Bill Pay automatically syncs the transactions with your accounting system. This sync keeps your financial records accurate without any manual work. It also provides a complete audit trail that simplifies your month-end close.

Throughout this process, several advanced features offer enhanced control. For instance, split approvals allow different stakeholders to review only the portions of an invoice relevant to their departments. Duplicate detection flags potentially redundant invoices, while exception handling routes any problematic invoices to the right people for a quick resolution.

Key features that set Ramp approach to AP software apart from other solutions

As one of the easiest AP platforms to use, Ramp’s AP software offers several user-friendly features that are designed to drive efficiency throughout your AP process.

1. Mobile invoice approvals

Ramp Bill Pay allows users to submit mobile approvals, allowing decision-makers to review and approve invoices from anywhere using their phones. This means no more approval bottlenecks when key stakeholders are traveling or working remotely. Approvers have access to all the invoice details and supporting documents they need to make informed decisions on the go.

2. Duplicate detection

Automating AP in Ramp helps teams identify potential duplicate invoices by analyzing vendor information, amounts, invoice numbers, and dates. The system then flags any suspicious invoices for review, which prevents costly duplicate payments and protects against both mistakes and potential fraud.

3. Real-time dashboards

Real-time dashboards also show you exactly what's happening with your pending approvals, upcoming payments, and historical trends. These dashboards help you monitor key metrics, spot bottlenecks, and make data-driven decisions. Its customizable Bill Pay views also allows teams to set filters, sorts, and columns that persist every time they log in—so they see what matters instantly.

4. 2-way matching

Ramp’s AP solution has 2-way matching that automatically scans incoming invoices for purchase order (PO) numbers and uses OCR technology to suggest likely matches. Rather than manually searching through records to find the right PO, teams can quickly review and confirm the system’s recommendations—saving time, minimizing manual effort, and reducing the risk of mistakes.

5. Automated reporting

Ramp’s AP solution also automates and generates customizable reports on a set schedule or on-demand, which eliminates the need for manual data compilation. These reports can be sent automatically to key stakeholders, ensuring everyone has the information they need. You can also tailor the report templates to meet your specific requirements.

6. Vendor management

Vendor management is supported by centralizing all of your supplier information, including payment terms, contact details, compliance documentation, and transaction history. This centralization makes onboarding new vendors easier, ensures the consistent application of terms, and strengthens vendor relationships through timely, accurate payments.

7. Recurring bills

Ramp Bill Pay’s recurring bill feature removes the need for repetitive manual work by automatically creating scheduled invoices, routing them through the appropriate approval flows, and initiating payments—no human input required each billing cycle.

Bonus: Affordable subscription tiers and low processing fees

Unlike many AP software providers, Ramp offers a free tier where businesses can enjoy features such as but not limited to our OCR technology, basic approval workflows, and payment options by ACH, card, check, and more. Also, Ramp Bill Pay allows businesses to handle all domestic and global vendor payments by check, card, ACH, or international wire with zero fees*.

Summary: Full list of AP features

What systems can Ramp’s AP software integrate with?

The best AP automation software should have native integrations with ERP and accounting systems. Ramp’s AP solution can connect with your existing financial systems without disrupting your established processes, including QuickBooks, NetSuite, Xero, and more. Here’s a quick breakdown.

QuickBooks

For QuickBooks users, Ramp’s integration automatically syncs vendor bills, accounting fields, transactions, vendor bill payments, and more. Process vendor bills from start to finish—initiate your process in either QuickBooks or Ramp, and complete it with Ramp payments. This integration works especially well for small and mid-sized businesses that want to automate AP while keeping their familiar accounting environment.

NetSuite

Ramp offers a NetSuite integration with bi-directional data flow that respects NetSuite's native approval hierarchies and subsidiary structures. It provides a seamless integration with NetSuite as a vetted Built for NetSuite partner, ensuring the solution meets the same level of standards for security, data privacy and overall quality as those offered by NetSuite.

Sage Intacct

Similarly, Ramp Bill Pay’s Sage Intacct integration automatically syncs vendor bills, accounting fields, transactions, vendor bill payments, and more. Sync all Ramp data to top level in Sage Intacct or at the entity level allowing automated intercompany and inter-entity splitting. You can also manage all global Sage Intacct entities in one Ramp multi-entity environment.

Xero

For businesses using Xero, Ramp’s integration creates a streamlined connection that respects Xero's user-friendly approach. Bi-directional syncing for vendors and vendor bills with imported item receipts is available. And, you can initiate your process in either Xero or Ramp and complete it with Ramp payments. This gives small businesses advanced AP automation abilities without sacrificing the platform's simplicity.

Microsoft Dynamics Business Central

Ramp also provides a direct integration with Microsoft Dynamics Business Central. Consolidate accounts payable, expense management and travel booking within Ramp. Automatically sync data from Business Central, including transactions, bill payments and reimbursements and store them into the corresponding journals and purchase invoices.

Acumatica

Ramp Bill Pay’s integration with Acumatica allows you to easily import all fields, including dimensions, from Acumatica to ensure comprehensive transaction coding. Sync default vendors and create new vendors from Ramp Bill Pay and easily manage each entity within one Ramp instance.

Ultimately, Ramp’s integrations allow you to implement powerful AP automation while maintaining your existing financial systems. By eliminating data silos and manual transfers, Ramp Bill Pay creates a unified financial environment that improves efficiency, accuracy, and visibility.

Browse all of Ramp’s integrations.

Compliance, security, and audit controls

Ramp includes robust compliance and security features to protect your financial operations and simplify regulatory adherence.

Ramp undergoes annual audits to ensure your data is always secure, confidential, and private according to SOC 2 Type II protocols. It also abides by PCI security standards to ensure that all sensitive credit card information is processed, transmitted, and stored securely.

Ramp Bill Pay also enables audit trails to automatically document every action taken within the system, including who did what, when they did it, and what changed. These detailed logs provide the clear documentation you need for internal audits and regulatory reviews.

These controls directly address common concerns about data security and audit readiness. With Ramp Bill Pay, your financial operations remain secure and compliant, while the built-in features reduce the burden on your team.

The ROI of automating AP

Automating your AP process with Ramp leads to both hard cost savings and meaningful operational gains—adding up to a clear, measurable return on investment.

Instead of spending hours on manual tasks like data entry, invoice chasing, and reconciliation, finance teams using Ramp Bill Pay save time, reduce errors, and operate with more visibility and control.

The impact shows up across multiple key metrics:

In addition to faster cycle times and fewer errors, Ramp Bill Pay helps lower your cost per invoice by eliminating paper handling, minimizing duplicate payments, and streamlining the overall workflow.

But the ROI isn’t just about efficiency—it’s about freeing your team to do more impactful work:

• Finance teams get time back to focus on strategy instead of data entry
• Cash flow visibility improves with real-time tracking of invoices and payments
• Vendor relationships benefit from consistent, on-time payments
• Month-end close becomes smoother with accurate, real-time accounting sync

Whether you're a small business looking to automate without adding headcount, or a growing company trying to scale AP without scaling costs, Ramp Bill Pay delivers returns quickly—often within just a few months.

Browse our AP automation success stories.

How Ramp’s AP system works for different business sizes

Ramp Bill Pay is built to adapt to the specific needs of different organizations, regardless of size or industry.

By business size:

• Startups and small businesses: AP automation software for small businesses means doing more with less. Ramp Bill Pay helps small finance teams with its intuitive interface that requires minimal training, so they can implement controls usually found only in larger organizations. Automated invoice processing removes paperwork burdens, while built-in approval workflows ensure proper oversight as responsibilities shift during growth.
• Mid-size companies: For mid-sized businesses looking for AP software, Ramp Bill Pay is a system that lets you scale financial operations without adding headcount. The system is built to handle increasing transaction volumes and complex approval hierarchies. Its customizable workflows adapt to evolving organizational structures, and robust reporting provides the visibility needed for strategic planning.
• Large organizations: AP software for large businesses should be able to standardize global AP processes while still allowing for necessary local variations. Ramp’s AP platform does exactly that, supporting multi-entity structures with consolidated reporting and entity-specific controls. Its enterprise-grade security and compliance features meet stringent requirements, while automation reduces the cost of high-volume processing.

Ramp Bill Pay is designed to handle the specific AP challenges that come with different business models and operational needs. With support for varied use cases through flexible configuration and workflow rules, your business can enforce financial controls and best practices while adapting to the specific needs of your business.

Why companies of all sizes are adopting Ramp’s AP automation software

Whether you’re running a lean finance team or managing complex workflows across departments and entities, Ramp’s AP software helps simplify accounts payable at scale. From invoice ingestion and approval routing to payments and reconciliation, Ramp Bill Pay centralizes AP in one system—designed to reduce manual work, improve accuracy, and give you real-time visibility into spend.

Curious how it could work for your team? Get started with Ramp Bill Pay.

Explore how Ramp Bill Pay supports AP automation across teams, company sizes, and industries

*Same-day ACH payments and International payments may incur a fee unless you are using a Ramp Business Account. Ramp Bill Pay is available on our free plan with no software or transaction fees. Note that certain ERP integrations require a Ramp Plus account, which includes a monthly fee.