How enterprise companies can use Ramp Bill Pay for AP automation

Enterprise organizations face a distinct set of AP challenges that go beyond what basic automation can address. When you're processing thousands of invoices across multiple entities and business units, you need more than a place to store digital documents. You need workflows that scale, approval chains that don't bottleneck, and integrations that actually sync your data.

Ramp Bill Pay helps enterprise finance teams handle this without the setup time of traditional AP systems. Companies use it when they have complex approval structures and need to report across multiple entities. It automates the repetitive parts of AP while giving you control over approvals and clear visibility into what's happening with every invoice.

This guide walks through how Ramp Bill Pay's AP features work for enterprise companies and where you'll see the biggest time savings.

What enterprise AP automation actually handles

If you're managing AP for an enterprise, you know the challenge: hundreds or thousands of invoices, multiple entities, complex approval chains, and an ERP that needs clean data. Most teams either rely on basic tools that can't scale or juggle multiple disconnected systems.

Ramp Bill Pay brings invoice processing, approvals, and payments into one place. It connects directly to your ERP, so approved invoices and payment data sync automatically without duplicate entry.

Here's what Ramp Bill Pay does for enterprise AP:

Invoice coding that works at high volume

Ramp Bill Pay handles invoice intake through email, direct upload, CSV import, and more. It uses OCR and AI to extract and code invoices automatically, including multi-line items and custom dimensions based on your historical data.

The coding suggestions improve over time, so you get consistency across entities without manual work.

This means your AP team can handle more volume without adding headcount. Manual data entry drops, approvals move faster, and accuracy improves.

Approval workflows and audit-ready controls

Ramp provides customizable, multi-layered approval workflows. You can route invoices by department, vendor, amount, or other criteria, so invoices get approved faster without losing control.

Role-based permissions support separation of duties. You can set rules to prevent users from approving their own submissions, modifying vendor data, or executing payments without secondary approval. This keeps teams aligned and reduces fraud risk.

Every action is timestamped and recorded, creating a full audit trail.

Managing AP across multiple entities

Managing AP across multiple entities usually means separate logins and duplicate work. Ramp handles this in one consolidated account.

As your business scales, Ramp scales with you. You can set up different spend policies and controls for each entity, then sync transactions and reimbursement data to multiple entities in a single step.

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.

Get visibility across your AP pipeline

Ramp's reports and dashboards give you a single view into your AP pipeline, cash outflows, and approval status. Everything updates in real time.

You can monitor payment timing, lagging approvals, or last-minute reimbursements. You can also integrate Ramp with your data warehouse (Snowflake, BigQuery, or Redshift) to combine AP data with the rest of your financial reporting.

Manage vendors and send international payments

Ramp consolidates all vendor records in one place. You can collect W-9s, verify TINs, and track 1099 vendor tax data easily.

For international payments, Ramp supports USD and local currencies for supported countries and accounting systems. You can send payments to 185+ countries.

Here's how FX payments work: Ramp debits your account in USD via ACH (1-4 business days), converts the funds using competitive exchange rates, then delivers the payment in local currency (1-5 additional business days).

Know when payments go out

Ramp lets you choose when payments go out instead of paying invoices as they arrive. You can schedule by due date, vendor terms, or cash position. Ramp also surfaces early payment discounts and calculates their value, so you can decide whether taking the discount makes sense.

Seamless integrations with your accounting system

Ramp integrates directly with over 200 applications, including QuickBooks Online and Desktop, Xero, NetSuite, Sage Intacct, and Acumatica.

These integrations sync accounting fields, vendors, payment records, and reimbursements. 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.

AI agents for accounts payable

Ramp is also introducing AI agents for AP—autonomous systems built into Ramp that go beyond workflow automation. These agents understand invoice context and take action on behalf of your team. They code line items based on historical data, flag potential fraud, suggest the appropriate approver, and submit card payments when applicable.

What AP automation costs at enterprise scale

Ramp offers three tiers: a free version, Ramp Plus, and Ramp Enterprise. Most enterprise companies end up on Enterprise because of high invoice volumes and complex approval workflows.

That said, Ramp Plus ($15 per user per month, plus platform fees based on team size) might work if your AP process is straightforward. It depends on your volume and how many approval layers you need.

Key AP features 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

Enterprise pricing varies based on company size and feature needs. For a full breakdown of what's included in each tier, visit Ramp Pricing.

What processing 1,000+ invoices looks like in practice

Enterprise finance teams are switching to Ramp Bill Pay to cut invoice processing time and reduce costs. By automating invoice intake, approvals, and payments across entities, companies typically cut processing times in half. Many save thousands of dollars annually by consolidating their AP stack.

Here's what that looks like in practice.

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°

When AP automation makes sense for enterprise teams

If you're managing hundreds of invoices across multiple entities, you've probably hit the limits of spreadsheets and email chains. Ramp Bill Pay is built for enterprise finance teams that need to handle high invoice volumes and complex approval structures without adding more tools to your stack.

Here's what that looks like in practice: Instead of jumping between your ERP, email, and separate payment tools, you can route approvals, process payments, and reconcile transactions in one place. Ramp integrates with leading ERPs and automates the routine tasks that usually eat up your team's time.

The system also gives you the audit trails and controls you need to stay compliant at scale. Every approval, payment, and exception gets logged automatically.

Get started with Ramp Bill Pay.