Customers who switched from Chase to Ramp

Corporate bank cards were never designed to run a finance function—but for years, they were close enough. A Chase card handles payments just fine. What it doesn't handle is the expense tracking, receipt matching, and accounting sync that happens after every swipe.

When your card doesn't connect to expense management, and expense management doesn't connect to accounting, every month-end becomes a manual cleanup project. These finance teams hit that wall and moved everything into one platform.

Why finance teams outgrow corporate bank cards

Your corporate bank card from Chase handles purchasing just fine. Your employees swipe, transactions post, and a statement arrives at the end of the month. For a while, that's enough. But as your company grows, you start noticing where the cracks form.

The card itself works. What doesn't work is everything that happens after the purchase. Bank cards weren't built to categorize expenses, match receipts, enforce spending policies, or sync with your accounting software. So you end up adding tools on top of tools: one platform for expense reports, another for employee reimbursements, maybe a third for approvals. Each tool holds part of the picture, but none of them connect.

That patchwork creates real problems:

• Duplicate data entry: You're keying the same transaction into multiple systems because they don't sync with each other
• Receipt chaos: Employees submit receipts to one platform while the actual charges live somewhere else entirely
• Delayed closes: Reconciliation turns into a manual matching game that drags on for days or weeks
• Blind spots in spending: You can't see what's happening in real time because your data is scattered across separate tools

They weren't frustrated with Chase as a bank. They'd simply reached a point where cards, expenses, and accounting needed to work as one connected system, not three separate ones.

Walther Farms cut month-end close from 20 days to 2

The challenge

Walther Farms is a family operation that has been growing potatoes and other crops for 75 years. The company spans 14 states, which means a lot of employees making a lot of purchases. For years, the finance team ran Chase corporate cards alongside a standalone expense management platform.

The logic made sense at first: use the bank for credit, use the software for tracking. In practice, the two systems created constant friction. Receipts got scanned into the expense platform, but the corresponding charges lived in Chase. Matching them meant digging through both systems by hand.

"It was like finding a needle in a haystack each month," says Josh Reeves, CFO at Walther Farms.

Month-end close stretched to roughly 20 days. Reeves found himself personally involved for months at a time. His team spent 10–20 hours every month just validating capital expenditures. When employees coded expenses to the wrong category, they had to resubmit everything from scratch.

How Ramp solved it

• Brought corporate cards and expense management into a single platform, eliminating manual matching between systems
• Real-time receipt capture through the Ramp app — receipts attach automatically to each transaction at the moment of purchase
• Automated expense categorization routes transactions to the correct buckets based on policies set upfront
• CapEx controls enforced at the point of purchase so validation happens continuously rather than in a monthly batch
• Accounting sync connects spend data directly to the general ledger, eliminating the manual import step

The results

• Month-end close: 20 days → 2 days
• CapEx validation: saves 10–20 hours monthly
• Net financial gains: over $80,000 in net financial gains

Read the full Walther Farms story →

Beyond reduced daily reconciliation from hours to minutes

The challenge

Beyond, formerly known as Beyond Pricing, builds revenue management software for short-term rental managers. The company operates four subsidiaries, which makes the finance team's job significantly harder. For a long time, the team juggled Chase corporate cards, a separate reimbursement platform, and accounting software that didn't integrate cleanly with either.

Every transaction required switching between systems. Getting spend data into the general ledger meant a roundabout import process that could take hours. Daily reconciliation consumed anywhere from 2 to 4 hours. Month-end close took a full week. And with four subsidiaries, the finance team had no unified view of what the company was actually spending.

International employee reimbursements made things even more complicated. Non-U.S. employees submitted expenses through a different workflow, which meant more manual tracking and more room for error.

How Ramp solved it

• Virtual cards with customizable approval flows configured per subsidiary
• Automated reconciliation replacing the manual import process into the general ledger
• Consolidated spend visibility across all four subsidiaries in a single view
• International and domestic reimbursements unified into one workflow, eliminating the separate non-U.S. process
• Accounting sync connecting spend data directly to NetSuite

The results

• Daily reconciliation: 2–4 hours → 30 minutes (8x improvement)
• Month-end close: full week → 5–6 days (6 hours saved per cycle)
• International reimbursements now flow through the same system as domestic

"It's been great just having all of our spend in one place," says Jake Steele, senior staff accountant at Beyond.

Read the full Beyond story →

Common challenges that prompt a switch

The patterns across Walther Farms and Beyond point to the same core problem. Corporate bank cards handle payments well. They don't manage everything that happens after the payment. When you're running a separate expense tool alongside your cards, you're maintaining two systems that really want to be one.

None of these challenges are complaints about Chase specifically. They're what happens when you try to run a modern finance team on tools that were built for something else. Banks built their cards to extend credit and process payments. They never meant them to replace your expense management system, your approval workflows, or your accounting integrations.

The question isn't whether Chase cards work. They do. The question is whether a card alone lets you close the books quickly, track spending in real time, and free your team up for work that actually matters.

What a unified platform changes

When your corporate cards, expense management, and accounting automation live in one system, the manual work between them disappears.

Receipt capture happens at the transaction. Employees get prompted to submit receipts right after a purchase. The receipt attaches to the transaction automatically. No hunting through email, no matching by hand, no duplicates piling up at month-end.

Categorization follows rules you define upfront. Instead of correcting mis-coded expenses after the fact, you set categories and policies before employees spend. Transactions route to the right buckets from the start, which means fewer corrections and faster closes.

Reconciliation becomes continuous. Instead of batching everything at month-end, you reconcile transactions as they happen. By the time you reach close, you've already done most of the work. You're reviewing and approving rather than rebuilding from scratch.

Visibility is real-time. You don't wait for a statement to see what's happening. Spend data updates as purchases are made. That gives you the information you need to make decisions now rather than 3 weeks from now when the statement finally arrives.

Moving to a unified spend management platform isn't about replacing one vendor with another. It's about eliminating the manual work that sits between your cards, your expenses, and your books. When those three pieces connect, your finance team spends less time on data entry and more time on analysis and planning.

See how Ramp works for your team

The finance teams at Walther Farms and Beyond didn't switch because Chase was failing them. They switched because their operations had grown beyond what a bank card alone could support. They needed cards, expenses, and accounting to work as one connected system.

If you're reconciling across disconnected platforms, chasing receipts at month-end, or spending hours on tasks that should be automatic, you're in good company. Over 70,000 finance teams have made a similar move.

Try an interactive demo to see how Ramp brings cards, expenses, and accounting together. Or explore more customer stories from teams who've made the switch.