Inside Ramp’s AP software: How it works for enterprise companies

Enterprise organizations face a distinct set of AP challenges that go beyond what basic automation can address. Processing thousands of invoices across multiple entities, business units, and approval layers demands more than just digital document storage—it requires scalable workflows, clear controls, and reliable integrations.

Ramp’s AP automation software, Ramp Bill Pay, helps enterprise finance teams address operational complexity without the overhead of traditional AP systems. It’s used by companies with sophisticated approval chains and multi-entity reporting needs, supporting them with automation designed to reduce friction, improve visibility, and keep data flowing across systems.

This guide explains how Ramp Bill Pay’s AP features deliver real ROI for enterprise companies.

How Ramp Bill Pay supports AP automation for enterprise companies

Enterprise finance teams operate in environments where volume, structure, and oversight demands are high. Ramp Bill Pay helps automate AP at scale by consolidating invoice processing, approvals, and payments into one unified system that integrates tightly with your ERP.

Instead of relying on basic digital invoice tools or juggling multiple disconnected systems, Ramp gives you a centralized platform for managing accounts payable across entities, currencies, and approval layers—while maintaining control and real-time visibility.

Here’s a breakdown of Ramp Bill Pay’s AP that features that benefit enterprise companies:

Scalable invoice capture and coding for high volumes

Ramp’s AP automation software streamlines invoice intake by accepting documents via email, direct upload, CSV import, and more. Using OCR and AI, it automatically extracts and codes invoices with multi-line items and other dimensions based on your historical data. These coding suggestions improve with usage, ensuring consistency across entities and reducing the burden on AP teams.

By reducing manual data entry and accelerating invoice approvals, Ramp’s AP software allows teams to handle increasing volume without additional headcount—while improving accuracy and processing speed.

Advanced approval workflows and audit-ready controls

Ramp’s AP automation software provides customizable, multi-layered approval workflows. Invoices can be routed by department, vendor, amount, and more—enabling precise oversight without delays. Its role-based permissions also support separation of duties.

You can configure rules to prevent users from approving their own submissions, modifying vendor data, or executing payments without secondary approval—helping teams stay aligned and fraud-resistant. Every action is timestamped and recorded, creating a full audit trail.

Multi-entity support with centralized control

Ramp makes it easy to manage AP across multiple business units or legal entities. As your business scales, Ramp scales to tackle complex spend policies and controls for each entity all in a single consolidated Ramp account. Businesses can sync their transactions and reimbursement data to multiple entities in a single step, for less work.

Ramp also provides multi-entity capabilities for NetSuite OneWorld and Sage Intacct, including multi-entity transactions, reimbursements, statement billing, local currency support, and entity-to-card mapping.

Real-time visibility and reporting across your organization

Ramp’s reports and dashboards provide a single view into your AP pipeline, cash outflows, and approval status—updated in real time. You can monitor payment timing, lagging approvals, or last-minute reimbursements. You can also integrate Ramp with the rest of your data in Snowflake, BigQuery, or Redshift to get the full picture, faster.

Vendor management and global payments at scale

Ramp consolidates all vendor records into one place so you can collect W-9s, verify TINs, and track 1099 vendor tax data easily. There is also support for international payments in USD and local currencies for supported countries and accounting systems. This includes the ability to send payments to 185+ countries.

For FX payments, Ramp first debits your account in USD via ACH (1–4 business days), then converts the funds using competitive exchange rates and delivers the payment in local currency (1–5 additional business days).

Payment scheduling and visibility

Ramp lets you choose when payments go out—not just pay them as they come in. Schedule by due date, vendor terms, or cash position. Ramp also surfaces early payment discounts and calculates their value, so you can make informed decisions.

Seamless integrations with your accounting system

Ramp Bill Pay integrates directly with platforms like QuickBooks Online and Desktop, Xero, NetSuite, Sage Intacct, Acumatica, and more. These integrations syncs accounting fields, vendors, payment records, reimbursements, and more—ensuring that approved invoices and payment data flow into your accounting system without duplicate entry or reconciliation delays.

For businesses using custom ERPs or niche financial tools, Ramp also supports API integrations and universal CSVs.

AP automation with scalable pricing for enterprise companies

Ramp’s platform is designed to scale with your business—starting with core AP automation capabilities and expanding into more advanced workflows as your finance function grows. Ramp provides a free tier, Ramp Plus, and Ramp Enterprise. Due to the complexity and high invoice volume enterprise companies often face, Ramp Enterprise is typically the best fit. However, Ramp Plus ($15 per user per month, with platform fees based on team size) may still meet your needs depending on your specific workflows and scale.

Key AP features available in Ramp Enterprise include:

• Invoice capture with AI-powered OCR
• Bill payments by check, ACH, card, and wire
• Advanced exports
• Vendor onboarding and tax management
• Ability to create bills using CSV uploads
• Mobile bill approvals
• Advanced approval workflows (+Route based on vendor, department, accounting field, payment type, and more
• Automated batch payments
• Payment release approvals
• And more availability for other features within Ramp’s all-in-one finance platform

Ramp Enterprise pricing depends on your business size and needs. For a complete list of available features across all tiers, visit Ramp Pricing.

How much time and money can enterprise companies save with Ramp’s AP automation?

A growing number of enterprise finance teams are using Ramp’s AP software to streamline operations, improve control, and scale more efficiently. By automating invoice intake, approvals, and payments across entities, enterprise companies can cut invoice processing times in half and save thousands of dollars annually.

Here’s how enterprise teams are seeing measurable impact with Ramp Bill Pay.

1. How The Second City saved $40K annually with Ramp Bill Pay

Before Ramp, The Second City’s AP automation tool promised OCR and coding—but didn’t deliver. Bills had to be scanned, reviewed, and manually coded line by line in NetSuite, often with errors and missing data. The process was slow, unreliable, and expensive—costing the team $40,000 annually for software that didn’t work.

Ramp Bill Pay gave the team a real solution. With accurate OCR, line-item recognition, and automatic coding based on accounting rules, invoice entry became seamless. Vendor data was captured correctly, accounting rules were applied automatically, and payments flowed through without manual touchpoints.

This helped The Second City not only cut their bill processing time in half, but also help them save $40K annually by consolidating systems. For a lean team focused on reporting and analytics, the impact wasn’t just faster processing—it was time back to focus on higher-value work.

“Switching to Ramp for Bill Pay saved us not only time but also a significant amount of money. Our previous AP automation tool cost us around $40,000 per year, and it wasn’t even working properly. Ramp is far more functional, and we’re getting the benefits at a fraction of the cost,” says Frank Byers, Controller at The Second City.

2. How Advisor360° their intake-to-pay cycle by 50%

Before Ramp, Advisor360° used a combination of tools—Zip for procurement, Agiloft for contracts, and Concur for bill payments. But instead of streamlining processes, the stack created friction. Teams had to jump between systems, approvals stalled, and invoice processing required time-consuming manual entry. With each invoice taking minutes to code and route, the AP process became a full-time job.

Ramp Bill Pay helped unify and automate these workflows. With intelligent invoice capture, auto-coding, and structured approvals, the finance team reduced intake-to-pay processing time by 50%. Bills that used to take 2+ minutes now take just seconds to code and approve.

Ramp’s tight ERP integration also streamlined month-end. Invoices now sync automatically to Campfire (Advisor360°'s ERP), enabling faster accruals and earlier expense reviews—cutting down 80% of the accrual work and unlocking a faster close.

“What previously took us at least 2 minutes with Concur now only takes us 10 seconds, if that, with Ramp Bill Pay due to the automated coding and system flow.” —Zach Doyle, Accounting Manager at Advisor360°

Why enterprise companies choose Ramp’s AP automation software

Ramp’s AP automation platform supports enterprise finance teams that need to manage high invoice volumes, multi-entity workflows, and complex approval structures—without adding system sprawl or operational overhead. Ramp Bill Pay integrates with leading ERPs, automates routine tasks, and offers the control and auditability needed to stay compliant at scale.

Instead of relying on multiple disconnected tools, enterprise teams can centralize procurement, approvals, payments, and reconciliation—all within Ramp’s modern interface.

See how Ramp helps enterprise finance teams move faster and stay in control. Get started with Ramp Bill Pay.

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