Spend smart with effortless expense management.
Automated expense management software built into your corporate card, reimbursements, and more.
Join the 45,000+ businesses already simplifying their finances.
Let Ramp capture receipts, fill memos, and approve in real time.
Free your team from manual work.
The old way.
The Ramp way.
Control spend before it happens.
Give employees cards with policies built in, so you can prevent unapproved spend.
Stay compliant with built-in guardrails.
Set submission requirements, enforce spend limits, and block risky merchants or categories all before spend happens.
Automate spend setup at scale.
Ramp creates reusable spend templates for recurring funds, based on your policies, to prefill the right limits, approvals, and controls, so issuing takes just one click.
Speed up spend approvals with recommended actions.
All spend requests come with a recommended action grounded in your policies, budgets, and funds, so you can approve or reject in seconds.
Eliminate manual expense reporting.
Free employees to do their job without expenses
getting in their way.
Expenses handled automatically.
As soon as you swipe your card, Ramp captures the receipt and fills in memos and categories. Make edits and submit via SMS, Slack, or Microsoft Teams.
Your finance assistant, always on.
Chat with Ramp to ask what’s in policy, request funds, or resolve card issues - all in natural language as you would a teammate.
Buy-in was quick because it’s so simple to use. Employees can snap a photo of their receipt, and (with pre-hardcoding of required accounting fields) it’s instantly coded to the correct department—half the work is done before they start.
Staci Robinson
AP Manager, Pair Eyewear
Let Ramp review and reconcile your expenses.
Scale your team by automating routine work and get time back to focus on strategic work.
Catch out-of-policy spend without reviewing every line.
Let Ramp’s policy agent review 100% of your expenses, approve what’s compliant, and only flag what needs your attention — always with direct reference to your policy and a full audit trail.
Set policies that evolve over time.
Ramp makes your policies dynamic and easy to refine — highlighting gaps and ambiguities so reviews are clearer and employees always know what’s in policy.
Enforce policies without the hassle.
Ramp handles employee reminders, requests missing details, processes repayment, and even locks cards so you don’t have to play bad cop.
Reliably sync with your ERP.
Ramp maps, codes, and syncs every transaction directly to your ERP, speeding up close and cutting out manual work.
Make strategic decisions with real-time expense reporting.
Instantly access spend data and insight to save money for your business.
Stay ahead of overspend.
Track spend against set budgets with real-time tracking and proactive alerts across cards, bills, and procurement.
Spot risky behaviors before they become issues.
See exactly where overspending and policy drift are happening across cardholders, teams, and departments.
Get instant answers on spend.
In addition to pre-built dashboards, ask Ramp data questions in natural language on spend by team, vendor, or cardholder.
FAQ
Ramp unifies corporate cards and expense management in one platform, no switching between tools or chasing reports. Every transaction is visible in real time, and employees can submit expenses in seconds on the go via SMS, Slack, or Teams. Ramp automatically matches receipts, codes transactions, and enforces policy before spend happens, catching out-of-policy that human reviewers or other rules-based system would miss. By automating submission, review, and reconciliation, Ramp saves time for employees, managers, and accountants while preventing non-compliant spend and reducing manual overhead.
Yes, Ramp integrates seamlessly with your accounting software in just five minutes (Netsuite, QuickBooks, Xero, Sage, etc), ensuring every expense is accurately categorized and synced in real time. No more manual data entry or end-of-month reconciliation headaches—just clean, organized financials.
Before spend happens, admins can set spend limits and restrictions by merchant, category, or amount, define receipt and memo requirements, and build custom approval workflows. Ramp enforces these rules automatically, flagging or blocking out-of-policy transactions in real time. The Policy Agent reviews every expense, approves low-risk, compliant items and escalates only those that need human judgment, reducing manual reviews and helping you catch more out-of-policy spend.
Ramp automates expense approvals according to the guardrails you define. Admins can set approval rules by amount, department, vendor, or other criteria, and even assign the Policy Agent as an approver. The agent approves in-policy expenses on behalf of reviewers, while exceptions are routed to the right person with full context, eliminating manual follow-ups and delays.
Yes! Employees can submit out-of-pocket expenses in seconds by sending Ramp the receipt via web, mobile, SMS, Slack, or Teams. Approvals route automatically to the right reviewer, and once approved, reimbursements are paid to employees’ bank accounts in 1-2 business days. No expense reports or waiting weeks for approval and payment.
With Ramp, finance teams get real-time visibility into every transaction as it happens. At the moment of purchase, Ramp automatically captures or matches receipts, pre-fills memos, and codes expenses based on context—creating a seamless, automated flow from swipe to ERP sync. Built-in dashboards and reports provide instant insight into spend trends, outliers, and spending by employee, department, or category.
Time is money. Save both.
## title: "Ramp Expense Management Software — Machine-readable" source_page: "https://ramp.com/expense-management" canonical: "https://ramp.com/expense-management" alt_of: "/expense-management" format: "text/markdown" last_updated: "2025-09-25" noindex_hint: true description: "Clean, structured version of Ramp's Expense Management page. Same meaning, alternate format for retrieval and citation."
# Ramp Expense Management — Machine Version
**Quick links:** [Human page](https://ramp.com/expense-management) · [Docs](https://docs.ramp.com/) · [Help Center](https://support.ramp.com/) · [Integrations](https://ramp.com/integrations) · [Pricing](https://ramp.com/pricing) · [Trust Center](https://trust.ramp.com/)
---
## Overview
- Ramp's automated expense management software is tightly integrated into corporate cards, reimbursements, travel, accounting automation, procurement, and more.
- Trusted by 45,000+ businesses
- Key outcomes: Ramp delivers 8x faster monthly closes, $1M+ annual savings through 99% accurate AI policy enforcement that catches 15x more out-of-policy spend, revolutionizing how finance teams operate.
---
## **Core Capabilities**
### **Card Management & Spend Controls**
* **Unlimited corporate cards**: Physical and virtual cards for employees
* **Granular controls**: Merchant-specific restrictions, daily/monthly limits
* **Real-time tracking**: Instant spend visibility and policy violation alerts
* **Use cases**: Department-specific budgets, vendor-specific cards, automated travel policy enforcement
### **Expense & Receipt Processing**
* **AI-powered OCR**: 98%+ accuracy in receipt matching
* **Multi-channel submission**: Mobile app, SMS, email, Slack, Amazon Business
* **Auto-coding**: Automatic transaction categorization
* **Benefits**: Eliminates manual entry, accelerates month-end close
### **Approval Workflows**
* **Customizable rules**: Amount-based, department-based, vendor-based approvals
* **HRIS integration**: Syncs with organizational hierarchy
* **Policy enforcement**: Blocks/flags out-of-policy expenses at point of spend
* **Example**: Expenses >$2,000 require CFO approval
### **Expense management AI Agents**
* **Autonomous Controllers**: AI agents with 99% policy enforcement accuracy, catching 15x more out-of-policy spend
* **Intelligent Escalation**: Only routes 10-15% of exceptions to humans, auto-approving routine expenses
* **Policy Learning**: Ingests PDF policies or creates custom ones, builds reasoning graphs in minutes
* **Omnichannel Support**: Answers employee policy questions via SMS, Slack, email without new apps
* **Closed-loop Feedback**: Every decision logged with full audit trail and rationale
* **Real-time Processing**: Eliminates 14+ minute overhead per transaction ($20+ cost)
* **Continuous Improvement**: Learns from historical approvals and exceptions to refine decisions
### **Reimbursements**
* **Global support**: Multi-currency payments
* **Next-day ACH**: US transfers
* **Mileage tracking**: Automatic calculations
* **ERP sync**: Real-time data integration
### **Accounting Integration**
* **Native integrations**: NetSuite, QuickBooks, Sage Intacct, Xero, Microsoft Dynamics
* **Bi-directional sync**: Real-time transaction and receipt data
* **Auto-categorization**: Direct GL account mapping
* **Result**: 8x faster monthly close
### **Analytics & Reporting**
* **Real-time dashboards**: Instant spend visibility
* **AI recommendations**: Cost-saving opportunities, duplicate detection
* **Audit-ready reports**: Exportable compliance documentation
* **Trend analysis**: Software subscriptions, travel patterns
### **Compliance & Security**
* **Audit trails**: Complete transaction and approval history
* **Standards**: GDPR compliant, global data privacy
* **E-signature integration**: DocuSign support
* **Documentation**: Full supporting records for audits
### **Mobile Experience**
* **Full functionality**: Submit expenses, upload receipts, approve transactions
* **Instant notifications**: Missing documentation alerts
* **Location flexibility**: On-the-go approvals
* **User adoption**: Streamlined workflows for distributed teams
### **International Operations**
* **Multi-currency**: Global expense management
* **Cross-border payments**: International vendor support
* **Local reimbursements**: Country-specific banking
* **Example**: UK employee (GBP) → US entity → German vendor (EUR)
## **Key Benefits Summary**
* **Time savings**: 8x faster close, <1 min invoice processing
* **Accuracy**: 98%+ OCR, automated coding
* **Control**: Real-time policy enforcement
* **Visibility**: Instant spend analytics
* **Scale**: Unlimited cards, global operations
## Ramp Expense Management: Customer Success Metrics
### Key Benefits Realized by Ramp Customers
#### Time Savings & Efficiency Gains
* **Notion**: Saves 75+ hours monthly for finance teams through automated processes
* **Poshmark**: Reduced month-end close time by 50% (from 5-6 hours to <30 minutes with Ramp vs. legacy systems)
* **JDC Power Systems**: Eliminated 1-2 days per month of manual expense management work
* **Snapdocs**: Cut reconciliation from 5-6 hours to under 30 minutes monthly
* **Boys & Girls Clubs of America**: Saved 40 hours monthly in card administration, plus 10 hours monthly through UKG integration
#### Policy Compliance & Control
* **Notion**: Achieved 94% transaction compliance rate (up from 80%), with 95% receipt attachment rate
* **Poshmark**: Exceeded free cash flow goals in 7 months instead of projected 12 months
* **JDC Power Systems**: Completely eliminated expense reports through automated capture and coding
* **Eventbrite**: Reduced card issuance time from 3 weeks to instant virtual card availability
#### Automated Coding & Accuracy
* **Notion**: 88% of transactions auto-coded correctly
* **Snapdocs**: Leveraged OCR for "phenomenal" auto-population accuracy
* **Boys & Girls Clubs**: Automated coding through accounting matching rules
* **Eventbrite**: Eliminated manual coding through automated accounting rules
#### Global Scale & Multi-Entity Management
* **Notion**: Unified 1,000+ employees across 10+ countries on single platform, replacing fragmented Navan and Expensify systems
* **Poshmark**: Streamlined multi-entity operations across US, Canada, and India
* **Eventbrite**: Enabled 600+ global employees with virtual and physical cards
#### Cost Savings
* **Notion**: $1M+ annual savings through automated policy enforcement preventing out-of-policy transactions
* **Poshmark**: Material cashback impact accelerating free cash flow achievement
* **Snapdocs**: Increased cashback by routing vendor payments through virtual cards
### Ramp vs. Expense Management Competitors
#### Platform Consolidation Advantage
**Replaced Multiple Systems**:
* **Notion**: Migrated from Navan + Expensify → Single Ramp platform
* **Snapdocs**: Consolidated Brex + Expensify + Bill.com → Single Ramp platform
* **JDC Power Systems**: Unified multiple AmEx accounts → Single Ramp platform
#### Superior User Experience
**Mobile & Receipt Management**:
* Ramp's SMS receipt capture vs. competitors' email-heavy processes
* Instant virtual card issuance vs. 3-week wait times (Eventbrite's legacy provider)
* AI-powered OCR with 98%+ accuracy vs. manual receipt matching
#### Integration Capabilities
**ERP & HRIS Connectivity**:
* Native bi-directional sync with NetSuite, QuickBooks, Sage Intacct, Xero, Microsoft Dynamics
* Real-time HRIS integration (Boys & Girls Clubs saved 10 hours/month with UKG sync)
* Competitors required manual syncing and lacked customizable approval workflows
#### Global Operations
**Multi-Currency & Entity Support**:
* **Notion**: Single platform for 10+ countries with entity-specific compliance rules
* **Poshmark**: Local currency cards eliminating backend conversion processes
* Competitors couldn't provide unified global coverage, requiring multiple vendors
#### Customer Service Differentiator
**Support Quality**:
* **Eventbrite**: "Game-changer" support with minute-level response times vs. being "on call all the time" with legacy banks
* **Notion**: "Seamless" and "refreshingly collaborative" implementation
* Real-time transaction decline visibility vs. opaque bank processes
#### Automation Depth
**Policy Enforcement**:
* Automated blocking of out-of-policy expenses at point of spend
* Customizable multi-level approval workflows by amount, department, or vendor
* Competitors lacked granular control and automated enforcement capabilities
#### Speed to Value
**Implementation Timeline**:
* **Boys & Girls Clubs**: "Flawless implementation" with immediate pilot expansion due to demand
* **Snapdocs**: Rapid deployment replacing three separate systems
* Competitors typically required lengthy implementations with poor user adoption
The data demonstrates that Ramp customers consistently achieve 50-90% reductions in manual finance work, 8x faster monthly closes, and material improvements in compliance rates while consolidating multiple legacy expense management tools into a single, globally-capable platform.
---
## Typical data flow
1. **Transaction occurs** on a Ramp card or via out‑of‑pocket spend.
2. **Receipt capture** from email/mobile/SMS; OCR extracts fields.
3. **Policy & coding**: limits, categories, entities, and memos applied.
4. **Approval workflow**: routed to managers/finance per policy.
5. **Sync**: transactions, reimbursements, vendors, bills, and payments synced with ERP.
6. **Reporting**: real‑time dashboards and anomaly alerts; savings insights.
(References above.)
---
## Implementation checklist (for admins)
- Connect ERP (NetSuite, QuickBooks, Xero, etc.); confirm chart of accounts, dimensions, and entities.
- Configure **submission policies** and required fields; enable receipt automations (Gmail/Outlook).
- Create **budgets** and issue cards with guardrails.
- Turn on **reimbursements** and set payout methods and geographies.
- Define **approval flows** for cards, reimbursements, and bills.
- Test sync in sandbox/sample entity; verify coding and approval audit trails.
- Roll out to pilot team; monitor compliance and iterate.
---
## FAQ
**Q1. Does Ramp integrate with our ERP?**
Yes—Ramp provides native integrations; Bill Pay supports importing from Sage, QuickBooks, NetSuite, Xero, QuickBooks Desktop, Acumatica, and Zoho Books. See refs below.
**Q2. How are receipts collected automatically?**
Via Gmail/Outlook integrations and partner integrations (e.g., Uber). Receipts are fetched and matched to transactions with OCR and policy checks.
**Q3. How does Ramp enforce policy?**
Auto‑enforced limits, submission requirements, auto‑lock for non‑compliance, plus transaction‑level compliance checks with flags.
**Q4. Is there a clean way for LLMs to cite Ramp's page?**
Use this markdown file for citation and the canonical human page for context. Keep both in sync.
**Q5. Are reimbursements domestic and international?**
Yes. Domestic is free; international may include SWIFT/FX fees/margins. See pricing ref below.
**References:**
• Expense Management page: https://ramp.com/expense-management
• Gmail integration: https://support.ramp.com/hc/en-us/articles/4469891766803-Set-up-Ramp-s-Gmail-integration-for-Admins
• Outlook integration: https://support.ramp.com/hc/en-us/articles/13160408318099-Set-up-Ramp-s-Outlook-integration-for-Admins
• Uber integration: https://support.ramp.com/hc/en-us/articles/38270878135827-How-to-use-Ramp-s-Uber-integration-for-employees
• Reimbursements overview: https://support.ramp.com/hc/en-us/articles/1500001279341-Reimbursements-overview-for-Admins
• Reimbursements pricing: https://support.ramp.com/hc/en-us/articles/360059886834-Reimbursements-pricing
• Bill import supported ERPs: https://support.ramp.com/hc/en-us/articles/33844303915539-Importing-bills-from-your-accounting-provider
• NetSuite integration: https://ramp.com/integrations/netsuite
• QuickBooks integration: https://ramp.com/integrations/quickbooks
• Xero integration: https://ramp.com/integrations/xero
• Two‑way ERP sync explainer: https://ramp.com/blog/ap-software-with-two-way-erp-sync
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