Time is money. Save both.
Bring corporate cards, expenses, bill payments and accounting automation together. Built for Canadian finance teams.
Your spending, working together.
From the first purchase to the month-end close, keep your spending and accounting connected.
Snap and done.
Submit receipts through text, WhatsApp, or the Ramp mobile app. Ramp matches them to the right transaction, so finance has less to chase.
Busywork? Done.
Your finance team loses hours to receipt matching, expense coding, and policy checks every week. Ramp automates the admin no one wants to do.
Stop chasing receipts.
Categorise expenses automatically.
Only review the exceptions.
Keep your books current.
“As a Canadian company growing quickly in the U.S., Ramp gave us the scalable foundation to build the finance function of the future”
Justin Dourado
Director of Finance, Othership
Trusted by finance, loved by employees.
Up to
5%+
average customer savings in the first year¹
Up to
85%
transaction reviews automated²
Up to
3x
faster book close after switching³
Shopify
For day to day users, finance should not be complicated. Ramp is so intuitive, people get it right away.
- Roberto Restrepo, Head of Finance
ElevenLabs
I wasn't shopping for a card program. I wanted one tool that could take several workflows off my desk, and it was the only one where the OCR actually worked on a real invoice.
- Maciej Mylik, Finance
Notion
People ask how we're using AI in finance and I have a simple answer for them. We use Ramp.
- Rama Katkar, CFO
One platform, for all of finance.
Travel
Turn travel policies into guardrails everyone on the team will follow.
Expense management
Automate expense management with Ramp’s corporate card, reimbursements, and more.
Vendor management
Track all your vendor data and discover pricing insights in one convenient place.
Procurement
Intake-to-pay simplified and automated every step of the way.
Integrations
Seamless automation and direct integrations for audit-proof accounting.
FAQs
Ramp provides Canadian businesses with an all-in-one finance platform by combining corporate cards in CAD and USD, automated expense management, employee reimbursements, bill pay, and accounting sync. Ramp is used by over 70,000 businesses and is now purpose-built for the Canadian market, with CAD pricing, Canadian tax coding, and native integrations with the ERPs Canadian businesses use.
Same platform, same AI-powered automation—built for how Canadian businesses actually operate. The core platform is the same: corporate cards, expense management, reimbursements, AP software, and accounting sync. The difference is that Ramp for Canadian businesses runs in CAD, auto-codes HST/GST/PST/QST on transactions, issues cards through Peoples Trust (an OSFI-regulated Canadian trust company), and syncs natively with QuickBooks Online, Xero, Microsoft Business Central, NetSuite, and Sage Intacct in Canadian dollars.
Eligibility requires at least one Canadian, US, or UK-registered entity to apply. Most registered Canadian businesses with a Business Number (BN) and a linked Canadian bank account are eligible. Cards are underwritten on the business itself, so there's no personal guarantee required.
Yes. Ramp offers Canadian businesses both CAD and USD corporate cards on a single login. CAD cards are available as physical (chip + tap) and virtual. USD cards are virtual only—useful for paying US-priced software, advertising, and services. No separate accounts, no separate logins, no manual reconciliation between currencies.
Ramp issues corporate cards (Visa) and processes bill payments via EFT (Electronic Funds Transfer)—the standard bank-to-bank rail used for Canadian B2B payments. Employee reimbursements are also paid via EFT directly to Canadian bank accounts. For bank linking, Ramp supports Plaid connections with major Canadian banks including RBC, BMO, TD, CIBC, Scotiabank, Desjardins, EQ Bank, and Wealthsimple.
Ramp automatically captures and codes HST, GST, PST, and QST on transactions using OCR—no manual line-by-line entry. When an employee swipes a card or submits a receipt, Ramp reads the receipt, identifies the tax amounts and tax type, and maps them to the correct tax codes in your accounting software. This works across QuickBooks Online, Xero, Microsoft Business Central, NetSuite, and Sage Intacct. Instead of hand-coding provincial tax at month-end, your books stay coded in real time.
For Canadian businesses, Ramp natively integrates with QuickBooks Online, Xero, Microsoft Business Central, NetSuite, and Sage Intacct. Card transactions, reimbursements, and bill payments all sync as journal entries or AP bills based on your preference. For any other ERP—like Sage 300, Acumatica, and others—Ramp offers universal CSV export.
Ramp offers two plans for Canadian businesses. The Free plan is CA$0 per user per month while the Plus plan is CA$15 per user per month (with a 30-day free trial available) and adds a platform fee based on team size. Learn more about Ramp Canada pricing.