Modern expense management for retail companies.

A unified suite of corporate cards, expense management, and accounts payable automation for retail finance teams.

Modern expense management for retail companies.
2,500+ retailers trust Ramp
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Every charge by store, category, vendor.
All spend lands on one dashboard the moment it posts, not at month-end.
See every commitment before the invoice hits.
Track open POs and vendor commitments as they happen, so nothing surprises you at month-end.
Close the books in days, not weeks.
Transactions code to the right store or cost center and sync to QuickBooks or NetSuite. Exceptions get flagged.

Improve cash flow visibility. Delight customers.

Ramp gives retail finance teams real-time visibility into store and vendor spend, helping them spot trends faster, forecast more accurately, and reinvest in the products and experiences their customers value most.

Cards that decline what doesn't fit your policy.

Merchant-locked cards carry per-location spend limits, so budgets hold even across dozens of stores.

Corporate card

Free store managers from chasing receipts.

Receipts come in by SMS, mobile, or email and match automatically to the store and category they belong to.

Expense management
Free store managers from chasing receipts.

Pay vendor invoices before they're overdue.

Wholesale and merchandise invoices arrive PO-matched and route for approval, so nothing sits waiting on a signature.

Accounts payable

Every transaction, coded and synced automatically.

Spend syncs to QuickBooks or NetSuite as it posts, coded to the right store, product line, or cost center.

Accounting automation
Every transaction, coded and synced automatically.
We're constantly tweaking our process and finding ways to get even more efficient. It's really important that we have a platform like Ramp that encourages us to keep evolving. It's good for the team and it's good for the business.
Roxane Cosnard des Closets
Senior Manager of Financial Systems, Glossier
crumbl
At Crumbl, innovation is at the heart of everything we do. Ramp's platform mirrors this innovative spirit in our operations.
Michael Card
VP Finance, Crumbl Cookies
We've consolidated four platforms into one with Ramp. All our travel booking is going through Ramp.
Andrew Clarke
SVP Finance, Studs
As we scale we need tools that are built to scale with us — we need to see expenses in real time and duplicate spend. Those insights are critical to the health of our business.
Steve Padis
SVP Finance & Strategy, Barry's
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I am shocked by the amount of time this has saved -- not only with chasing down receipts, but also with exporting to our accounting software and reconciling at the end of the month. We have saved money by seeing real-time expenses, and getting items posted within a day or two of purchase.
April Conway
Controller, Juneau Auto

FAQs

Yes. Set open-to-buy limits tied to each merchandise buyer's budget, and increase limits temporarily during Q3-Q4 inventory builds without waiting on a bank. Limits reset automatically on the schedule you set.

Every card and vendor payment rolls up in real time by location, so you can see spend and profitability store by store. Compare same-store performance year over year without waiting for month-end reports.

Yes. Merchandise vendor payments and wholesale invoices get coded and routed for approval automatically, so nothing sits as an open invoice waiting on manual entry. Payment terms and schedules are tracked so nothing falls through.

Each transaction codes to the right cost center by location as it posts, cutting down on reclasses and the scramble to chase receipts before close. Controllers close the books in days, not weeks.

Ramp has native integrations with QuickBooks Online, NetSuite, Xero, and Sage Intacct, syncing transactions, approvals, and receipts automatically. Ramp does not currently have native integrations with POS systems like Shopify or Square.
Time is money. Save both.
Modern Expense Management for Retail Companies | Ramp