Ramp

Ramp is operated by Ramp Business Corporation, headquartered in New York, New York, United States (Privately held; valued $13B in 2025 Series E (Founders Fund, Stripes, Sequoia, Khosla)). The product launched in 2019 and an all-in-one finance automation platform combining cards, bill pay and procurement. This 2026 review covers operator context, the current tier ladder, the feature set that matters for buyers and the live signals to watch before subscribing.

Quick facts

• Operator: Ramp Business Corporation
• Headquarters: New York, New York, United States
• Public-market status: Privately held; valued $13B in 2025 Series E (Founders Fund, Stripes, Sequoia, Khosla)
• Founded: 2019
• Category: accounting & payroll
• Current tiers: Ramp Business / Ramp Plus / Ramp Enterprise
• Anchor price (2026): free core software
• Competitive set: competing with Brex, Mercury and Airbase in modern corporate-card and AP software

What is Ramp?

Ramp is an all-in-one finance automation platform combining cards, bill pay and procurement. The product is competing with Brex, Mercury and Airbase in modern corporate-card and AP software. Customers buy a tier that matches their usage profile — the entry tier handles corporate cards with automated expense controls, while the mid and premium tiers add depth such as bill pay and AP automation and procurement workflows. Subscription billing happens through the operator's checkout or partner billing surfaces (App Store / Google Play / direct card on file).

Why choose Ramp

Operator and market position

Ramp Business Corporation runs Ramp from New York, New York, United States. Its public-market status (Privately held; valued $13B in 2025 Series E (Founders Fund, Stripes, Sequoia, Khosla)) and category position (competing with Brex, Mercury and Airbase in modern corporate-card and AP software) shape the credibility of the operator's roadmap and pricing decisions. Buyers should weigh that operator context alongside headline features — a well-capitalised parent typically translates into faster bug fixes, longer support cycles and more predictable price changes than a smaller indie operator.

Account ladder and fees

The Ramp tier ladder runs Ramp Business, Ramp Plus, Ramp Enterprise. Anchor pricing in 2026 starts around free core software for the entry tier and steps up by tier with named feature unlocks. Confirm the live regional price on the operator's site, then cross-check Subger's true-price tracker for Ramp for the all-in renewal cost after taxes and FX conversion.

Apps, integrations and customer support

Apps and customer-experience surfaces matter as much as headline feature counts. Ramp delivers its core workflow across the platform surfaces listed in the platform table below, with notifications and self-service flows handled in-app. The 2025-2026 differentiator to watch: Ramp Intelligence GPT-4 powered analytics + Ramp Plus tier launched 2024 expanding the platform beyond cards.

Ramp features that matter in 2026

Current feature set that buyers should weigh:

• corporate cards with automated expense controls
• bill pay and AP automation
• procurement workflows
• accounting integrations (NetSuite, QuickBooks, Sage Intacct)
• AI Ramp Intelligence for spend analytics
• travel booking via Ramp Travel

Feature availability varies by region and tier; the headline list above reflects the operator's primary positioning. Confirm specific regional availability on the operator's marketing pages before committing.

Ramp pricing in 2026

The Ramp tier ladder in 2026 looks like:

Headline prices step up across the ladder; promotional first-period anchors and regional FX can change the all-in cost. Subger's tools reconcile the list price with the actual renewal cost:

Ramp apps and platform support

Surface availability can vary by region and tier; confirm current app availability and supported devices on the operator's site before subscribing.

Who Ramp fits

Ramp is most likely a good match for the following buyers:

• Growth-stage us companies wanting a unified cards + bill-pay + expense platform — the core target audience for the product.
• Category-focused subscribers who specifically want corporate cards with automated expense controls from competing with Brex, Mercury and Airbase in modern corporate-card and AP software rather than a generalist platform.
• Tier-comparing households or teams evaluating the Ramp Business → Ramp Enterprise ladder and willing to pay up for accounting integrations (NetSuite, QuickBooks, Sage Intacct).
• Cross-device users who need apps across the surfaces in the platform table above.
• Price-sensitive shoppers who want to track promotional anchors via Subger's true-price tracker and deals page before committing to annual billing.

Frequently asked questions

Who runs Ramp and where is it based?

Ramp is run by Ramp Business Corporation, headquartered in New York, New York, United States. The operator's public-market status is: Privately held; valued $13B in 2025 Series E (Founders Fund, Stripes, Sequoia, Khosla). The product was founded in 2019.

How much does Ramp cost in 2026?

The 2026 tier ladder is Ramp Business, Ramp Plus, Ramp Enterprise, with anchor pricing starting around free core software. Regional currency and promotional cycles can shift the all-in cost; Subger's true-price tracker reconciles the headline price with renewal reality.

Is there a free tier or free trial for Ramp?

There is no perpetual free tier listed for the standard Ramp subscription; the operator may run introductory trials periodically. Check the live signup page for current trial promotions.

Where is Ramp available?

Availability follows the operator's licensing and service footprint from New York, New York, United States. Confirm regional availability on the official site before subscribing.

What 2025-2026 features set Ramp apart right now?

The live differentiator to watch: Ramp Intelligence GPT-4 powered analytics + Ramp Plus tier launched 2024 expanding the platform beyond cards. Pair that with the headline features (corporate cards with automated expense controls, bill pay and AP automation, procurement workflows) to judge whether the current roadmap fits your needs.

Which competitors should buyers compare Ramp against?

Ramp is most directly competing with Brex, Mercury and Airbase in modern corporate-card and AP software. Run a side-by-side feature and price comparison with those alternatives — Subger's category pages help with the shortlist.

How do I cancel Ramp?

Cancel through the account or subscription settings on the surface where you bought the plan: the operator's website for direct subscriptions, the App Store or Google Play for in-app purchases, or the partner billing portal for bundled subscriptions. Subger's cancellation guide for Ramp walks through each route step-by-step.

Does Ramp offer a team or multi-seat plan?

Multi-user, team or seat structure depends on the tier. Higher tiers commonly add admin controls and SSO; entry tiers can restrict simultaneous usage. Confirm the per-tier seat limit on the live pricing page before committing.

How can I track price changes for Ramp?

Subger's renewal tracker for Ramp records list-price changes plus promotional anchors over time. Pair it with the deals page for current discount codes and the promo codes page for stackable savings at signup.

Get started with Ramp

Confirm the current regional price on the Ramp Business Corporation signup page, choose the tier that matches your usage (Ramp Business or Ramp Plus are the most common starting points), and check Subger's deals page for Ramp for promotional anchors before completing checkout. Track the subscription's true renewal cost with the true-price tracker once you're signed up.

Related Subger guides

• Cancel Ramp guide
• Latest Ramp deals
• Ramp promo codes
• Ramp true price and renewal tracker
• Browse the accounting & payroll category hub
• All services on Subger