RAMP

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COMPANY detail

RAMP
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RAMP

Company Overview.

Year Founded 2019
Status Private
Specialties Fintech, Card Issuer
Company Size 1001-5000 Employees
Industry Financial Services
Location New York, USA

Description.

Ramp is a spend management platform that combines corporate cards, expense management, accounts payable, travel, procurement, and accounting automation into a single system. Founded in 2019 by Eric Glyman and Karim Atiyeh, Ramp is headquartered in New York City. The platform serves 50,000+ businesses including Notion, Shopify, Webflow, Eventbrite, Poshmark, and Quora. Ramp customers have collectively saved 27.5M+ hours and over $10B through the platform's automation and spend controls.

Ramp does not offer any blockchain, cryptocurrency, or stablecoin functionality. It is a fiat-only platform. Ramp Business Corporation is a financial technology company, not a bank. Bank deposit services are provided by First Internet Bank of Indiana (Member FDIC). Cards are issued by partner banks: Celtic Bank, Column N.A., Sutton Bank, and Lead Bank in the US; Peoples Trust Company in Canada; Stripe Payments UK Limited in the UK (FCA authorized); and Stripe Technology Europe Limited in the EEA (Central Bank of Ireland authorized). All cards are issued on the Visa network. Ramp holds SOC 2 Type II certification and PCI compliance. The company has raised venture funding from Founders Fund, Thrive Capital, Stripe, Goldman Sachs, Coatue, D1 Capital Partners, and over 100 angel investors.

Key Infrastructure.

Corporate Cards
Corporate Cards
Unlimited physical and virtual Visa charge cards with per-vendor, per-category, and per-amount spending controls.
No personal credit checks, no personal guarantees — corporate liability only.
Up to 5% cashback and over $350K in partner offers with global acceptance in 200+ countries and local card issuance in 33 countries.
Expense Management
Expense Management
AI-powered expense automation with auto-receipt capture at card swipe, AI-filled memos and categories, and receipt submission via SMS, Slack, Microsoft Teams, or mobile app.
Policy Agent reviews 100% of expenses automatically and flags only exceptions, with reimbursement to employee bank accounts within 1—2 business days.
Accounts Payable
Accounts Payable
OCR-based invoice capture with 99% accuracy, powered by four AI agents handling auto-coding, fraud prevention, approval routing, and automatic payment.
Supports ACH, Same-Day ACH, card, check, domestic and international wire with zero processing fees on domestic ACH, checks, and card payments.
Includes two-way and three-way matching against purchase orders and receipts.
Ramp Intelligence
Ramp Intelligence
AI agents performing autonomous transaction review, policy enforcement, and fraud detection across all spend activity.
Automatically codes up to 90% of transactions, provides line-item invoice transcription, and conducts intelligent three-way matching.
All AI decisions are transparent and auditable, never taking money-moving actions without human confirmation.
Accounting Automation
Accounting Automation
Native two-way sync integrations with QuickBooks Online, Xero, NetSuite, Sage Intacct, Workday, and Oracle Fusion Cloud.
Provides line-item auto-coding that maps transactions to GL accounts automatically, multi-entity support with entity-level restrictions, consolidated reporting, automated accruals, and reconciliation — enabling finance teams to close books up to 75% faster.
Ramp Treasury
Ramp Treasury
FDIC-insured business banking account with no minimum balance, no opening fees, and no maintenance fees.
Includes unlimited free Same-Day ACH and free domestic and international wires via Ramp Bill Pay.
Offers an investment account option via Invesco Premier U.S.
Government Money Portfolio with next-day liquidity, plus auto top-up from linked checking accounts with target balance automation and low-balance alerts.

Additional Features.

Travel Management
Policy enforcement at booking time with hotel rate monitoring and automatic rebooking when prices drop $50+. Includes per diem that adjusts by trip location and duration, automatic receipt matching, and transaction coding for travel expenses.
Procurement
AI-powered intake that parses contracts and screenshots to auto-populate request forms with dynamic approval routing across finance, IT, legal, and security. Includes three-way matching (PO, invoice, receipt), automatic payment blocking on discrepancies, and auto-generated purchase orders with one-time virtual cards post-approval for vendor payments.
Spend Controls
Real-time policy enforcement that blocks out-of-policy transactions before they happen rather than after. Card-level controls by vendor, category, and amount with automatic card locking when required receipts or compliance items are not submitted, ensuring spend compliance without manual review of every transaction.
Global Coverage
Card acceptance in 200+ countries with local currency card issuance available in 30+ countries on Enterprise plan. Supports global vendor payments in USD or local currency, global reimbursements funded and paid in local currency, local currency card statement payments, and auto tax capture for multi-country operations.
Security Infrastructure
SOC 2 Type II certified with annual audits, PCI compliant for credit card data, SSO with Okta/Google/Azure support, MFA enforcement, SCIM and SAML for identity management, encryption at rest and in transit, 24/7 fraud monitoring with industry-low fraud losses, and instant card freeze/unfreeze capabilities.
Ecosystem Integrations
Over 200 pre-built integrations including ERP systems (NetSuite, QuickBooks, Xero, Sage, Workday, Oracle), HRIS platforms, SSO providers, and communication tools (Slack, Microsoft Teams). Open REST API with webhook support allows custom integration development, with documented endpoints for cards, expenses, reimbursements, and vendor management.

General Questions.

Ramp is a spend management platform providing corporate cards, expense management, accounts payable automation, travel booking, procurement, and accounting automation to 50,000+ businesses. It does not offer any crypto or blockchain features.

Ramp serves businesses of all sizes from startups to enterprises. Notable clients include Notion, Shopify, Webflow, Eventbrite, Poshmark, Quora, Glossier, and Marqeta.

Ramp Business Corporation is a financial technology company, not a bank. It holds money transmitter licenses through subsidiaries (Ramp Payments Corporation NMLS 2371465, Ramp Financing Corporation NMLS 2431387). Cards are issued through licensed partner banks.

None. Ramp is a fiat-only platform with no blockchain, cryptocurrency, or stablecoin capabilities.

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