Ramp Pricing 2026
Complete pricing guide with plans, hidden costs, and cost analysis
Ramp has a free plan. Paid plans start at $15/per user per month (Plus) and go up to $15/per user per month.
Ramp costs $15 to $15 per per user per month as of March 2026, with 3 plans available including a free tier. Plans: Free (free), and Plus at $15/per user per month. Enterprise pricing is available on request. Pricing depends on your chosen tier, contract length, and negotiated discounts.
Use the interactive pricing calculator to estimate your exact cost based on team size and requirements.
- Free tier: Yes
Ramp offers 3 pricing tiers: Free, Plus, Enterprise. A free plan is available. Paid plans include Plus at $15/month. The Plus plan is general users and teams.
Compared to other expense management software, Ramp is positioned at the budget-friendly price point.
- Median contract: $180/yr from 0 purchases
- Average negotiated discount: 93%
- 1 documented hidden costs beyond list price
How much does Ramp cost?
Ramp Pricing Overview
Ramp has 3 pricing plans, including a free tier. Paid plans range from $15 to $15/per user per month. The Free plan is free and is best for general users and teams. The Plus plan costs $15/per user per month, best for general users and teams. The Enterprise plan requires contacting sales for a custom quote and is designed for general users and teams.
The median Ramp customer pays $180/year, with an average 93% discount available through negotiation.
There are at least 1 documented hidden costs beyond Ramp's list price, including implementation, training, and add-on fees.
This pricing was last verified in February 4, 2026 from 1 independent sources.
Ramp pricing starts at $0/month for the Free plan with basic corporate card and expense management. For teams needing advanced features like procurement workflows and full AP automation, the Plus plan runs $15/month (or $12/month billed annually). Enterprise pricing is custom-quoted for larger organizations requiring international payments and advanced integrations.
How Ramp Pricing Compares
Compare Ramp pricing against top alternatives in Expense Management.
All Ramp Plans & Pricing
| Plan | Monthly | Annual | Best For |
|---|---|---|---|
| Free | Free | Free | General users and teams |
| Plus | $15 /month | $12 /yearSave 20% | General users and teams |
| Enterprise | Contact Sales | Contact Sales | General users and teams |
View all features by plan
Free
- Unlimited users and cards
- Real-time expense tracking
- Automated savings insights
- Major accounting software integrations
- Receipt scanning and expense approvals
- 1.5% cash back on purchases
- No annual fees
- Basic approval workflows
Plus
- All Free tier features
- Advanced approval rules and routing
- Enhanced expense management
- Custom integrations
- More powerful reporting
- Advanced policy controls
- Priority support
- 20% discount with annual billing
Enterprise
- All Plus features
- Multi-entity support
- Locally denominated cards
- Custom ERP integrations (NetSuite, Sage Intacct, Microsoft Dynamics)
- Advanced workflows and automation
- Global support capabilities
- Customized implementation and setup
- Dedicated account manager
- Named support team
Compare Ramp vs Alternatives
Before committing to Ramp, compare pricing with these 3 alternatives in the same category.
What Companies Actually Pay for Ramp
The median Ramp buyer pays $180/year based on 0 verified purchase transactions, with an average 93% savings through negotiation.
with negotiation
Ramp Year 1 Total Cost by Company Size
Real deployment costs including licenses, implementation, training, and admin — not just the sticker price.
A small business with 8 employees uses the free tier for basic expense management, cards, and accounting integration with 1.5% cash back.
A mid-size company with 50 employees uses Ramp Plus with annual billing for advanced approval rules and enhanced reporting.
A multi-entity enterprise with 300 employees uses Ramp Enterprise for custom ERP integrations, global card issuance, and dedicated support.
How Ramp Pricing Compares
| Software | Starting Price | Top Price |
|---|---|---|
| Ramp | $15/per user per month | $15/per user per month |
| BILL Spend & Expense | $49/free | $89/free |
| Brex | Free | $12/per user per month |
| Expensify | Free | $250/per user per month |
| SAP Concur | $8/per user per month | $25/per user per month |
Ramp Pricing FAQ
01 How much does Ramp cost?
Ramp offers a free tier with unlimited users and cards, Plus at $15 per user per month (20% discount with annual billing), and custom Enterprise pricing. All plans include 1.5% cash back.
02 What are the requirements to use Ramp?
You need at least $75,000 in a US bank account to qualify for Ramp cards. Your credit limit is determined by your corporate bank account balance and cashflow, not personal credit scores.
03 Is there a discount for annual billing?
Yes, Ramp Plus offers a 20% discount with annual billing, reducing the cost from $15/user/month to $12/user/month ($144/user/year).
04 What is the platform fee on the Plus plan?
The Plus plan includes a platform fee based on team size in addition to the $15 per user per month cost. The exact fee varies by company size and is not publicly disclosed.
05 Does Ramp support multiple entities?
Multi-entity support is only available on the Enterprise plan, which requires custom pricing and an annual subscription.
06 Does Ramp integrate with accounting software?
Yes, Ramp syncs with Sage Intacct, pulling dimensions directly from the ERP. The integration is described as smooth by users, with coding rules that can be customized using smartlists for dimensions to reduce data entry errors.
07 Can Ramp handle international payments?
Ramp supports international expenses for both accounts payable and credit cards. Users can process payments via ACH, domestic wires, and international wires. However, some users note that international bank account Bill Pay functionality could be improved.
08 What types of credit cards does Ramp offer?
Ramp issues both virtual and physical company credit cards. The platform allows for significant autonomy in spending while maintaining financial compliance and spend controls.
09 How does Ramp handle expense receipts?
Ramp allows users to text receipts directly into the platform as soon as a purchase is made. This has proven more effective than previous systems that required saving receipt copies to external shared drives.
10 Does Ramp have a free plan?
Yes, Ramp offers a forever-free plan that includes corporate credit cards, expense management, and employee reimbursements. This is suitable for small teams needing basic corporate card management without complex AP workflows.
11 When should I upgrade from Ramp's free plan to a paid plan?
You should upgrade to a paid plan when you need advanced procurement workflows, full-cycle AP processing, international payment capabilities, Sage Intacct integration, or custom approval routing. The free plan works well for basic corporate card management for small teams.
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