Stop wasting time on tedious expense reports and chasing paper receipts. Ramp modernizes card & expense management with auto-captured receipts, pre-filled memos, and real-time spend visibility, all while saving you 5%.
“On Concur, once everything's inputted for month end, it takes a week or two to chase down approvers, then that goes through management level. And then once it hits accounting, we're three to four weeks past the actual date of that month. So now we're eight weeks behind when the transaction actually happened... On Ramp, the longest unfilled transaction is something like three days. Everything's in real time, which we love.”
Business operations manager, J/PR
With Ramp, cards, expenses, reimbursements, and AP all live in one platform, freeing your company from tedious workflows and fragmented tools. Employees submit in seconds, approvals happen quickly, and finance closes the books in record time. You get more visibility, higher compliance, and more capacity to focus on growth.
hours of employee time saved from expense automation
saved from built-in controls, denied requests, and more
faster to close books after switching to Ramp
Ramp is built for modern finance teams of every size, from fast-growing startups to global enterprises. While Concur was founded in 1993 for a pre-automation world of batch processes and heavy manual configuration, Ramp was built in the software era to eliminate the busywork legacy expense systems still rely on. Backed by a $32B valuation and guided by leaders like former Amex CEO Ken Chenault, we ship hundreds of improvements yearly and continue to expand agentic automation, AP workflows, international support, and advanced ERP integrations.
Ramp eliminates expense reports entirely with its AI-native, all-in-one card and expense platform. The moment an employee swipes their card, Ramp captures the transaction, links it to the correct trip or project, and pulls in merchant, amount, time, and other metadata. Receipts are automatically collected and matched, and accounting codes are filled in from context.
All of this flows directly into your accounting system, giving finance accurate data in real time and enabling a faster, cleaner close. No need for employees to log into a separate tool, build reports, track receipts, or guess GL codes.
No, Ramp’s compliance is built directly into the platform, not handled through a separate paid add-on like AppZen on Concur.
On Ramp Plus, you get access to a full suite of compliance features including built-in card controls (e.g., spend limits, vendor restrictions), automated reminders for missing receipts or memos, and real-time alerts and flags. These controls block roughly 3.5% of unwanted spend before it even happens, giving teams proactive protection from day one. For expense reviews, the Policy Agent reviews 100% of expenses against your policy and only surfaces the 10-15% that actually require human review, catching 3x more out-of-policy spend than any rules-based or human reviewer would catch. The agent learns your company’s spending patterns over time, and even recommends policy improvements or highlights potential risk areas.
These features are all part of Ramp Plus and fully native to Ramp’s platform. There are no separate tools to buy, no add-ons to manage, and your pricing is all-inclusive for the tier you select.
Transitioning onto Ramp takes days, not months. With a dedicated onboarding and customer success team, we ensure a seamless implementation from Concur to Ramp, so you have cards issued, approval workflows set up, and automated reviews in less than 2 weeks.
The fast implementation means you start realizing operational savings and audit automation almost immediately, rather than spending months configuring, customizing, and negotiating licenses the way Concur often requires. And best of all, you instantly become the hero internally for eliminating expense reports and giving employees meaningful time back.
Yes, many large customers start with exactly that approach. You can continue using Concur Travel, or your TMC of choice, while running Ramp for your everyday, recurring expenses. Teams typically launch Ramp with a small pilot group and go live in under 2 weeks, creating virtually no disruption while you validate time savings, cost reductions, and improved compliance before rolling out more broadly.