A finance operations platform combining corporate cards, bill pay, procurement, reimbursements, treasury, accounting automation, and a Developer API/CLI/MCP surface for AI agents.
Software capabilities Payments & Spend Management Accounts Payable Bundle Sells Bill Pay as a standalone accounts-payable-only experience for businesses that do not use Ramp cards. AP Email Forwarding Creates draft bills from invoices sent to a dedicated Ramp accounts-payable email address. Archive & Restore Funds Archives a fund to block spending and remove it from the active list without deleting its transaction history, restores archived funds, and (beta) supports auto-archive dates and automatic archival of dormant funds. Auto Collision Damage Waiver Includes collision damage waiver coverage on car rentals booked through Ramp Travel. Bank Account Connections Connects customer bank accounts for funding, including domestic and international bank connections across supported countries and currencies. Batch Bill Payments Pays many approved bills in a single batch. Bill Accruals Books accruals for unpaid bills so month-end expense lands in the period it belongs to. Bill Import From Accounting Imports bills already entered in the connected accounting provider so they can be approved and paid from Ramp. Bill Lifecycle Tracks each bill through draft, approval, payment, and sync states with the history visible on the bill. Bill Line Item Splits Splits a bill's line items across accounting fields and saves reusable allocation templates. Bill Pay Creates, approves, and pays vendor bills by card, ACH, check, wire, or SWIFT, with OCR invoice capture and PO/receipt matching; vendors can carry a default business-entity association, an approval_status, and can be prompted to submit missing payment or tax details. Bill Pay Submission Policies Requires configured fields, documents, and reviewers on a bill before it can advance. Bill Payment Release Separates approval from disbursement by requiring an explicit release step before an approved bill is funded. Bill Spreadsheet Upload Creates bills in bulk from a CSV spreadsheet upload. Book Now, Approve Later Holds a travel booking while approval is still pending and cancels it if approval does not arrive in time. Business & Card Limits Shows current card and business spending limits and lets an admin request an increase. Business Application Applies for a Ramp account, submits business details for underwriting, and tracks the application through approval and account opening. Card & Fund Transfers Moves transactions between eligible funds, including virtual card transactions, before or after accounting sync. Card Disputes Files and tracks disputes on fraudulent or vendor-issue card charges from the transaction record. Card Lock & Termination Locks or terminates cards and funds manually, on expiration, or automatically after a configured idle period. Card Statements & Payments Produces card statements and settles them by ACH, wire, or locally funded payment, with early automatic payment and 1-day terms. Cashback Rewards Earns cashback on card spend and redeems it against card statements, Ramp fees, or the Ramp Checking Account balance. Check Deposit Deposits a check into a Ramp Checking Account by submitting front and back images from web or mobile. Check Issuance Issues a check from a Ramp Checking Account as a printable PDF, debiting funds only when the payee deposits it. Corporate Cards Issues unlimited physical and virtual corporate cards with category, vendor, and merchant spend controls. Decline Buffers Adds a configurable percentage or dollar cushion above a fund's limit so small overages authorize instead of declining. Default Employee Card Sets Issues every new employee a default set of cards or funds as part of onboarding. Delegate Booking Lets an assigned assistant book and manage travel on another employee's behalf. Direct Debit Matching Matches ACH direct debits a vendor pulls from a Ramp Checking or Operating Account to the eligible USD non-recurring bill they pay, in beta. Employee Repayments Collects money back from an employee for personal or out-of-policy charges and syncs the repayment to accounting. Flight Modifications Changes or cancels a booked flight and applies the resulting airline credit from inside Ramp Travel. Flight Seat Selection Selects seats during or after flight booking in Ramp Travel. Guest Booking Books travel for a guest or invites an external guest to book within a set budget. Hotel Price Drop Monitors refundable hotel reservations and rebooks automatically when the price falls by more than a set amount. International Bill Pay Pays international vendors in supported foreign currencies by SWIFT or local rails, debiting a local account where available. Eligible EUR, GBP, MXN, BRL and COP payouts funded from a Ramp Checking Account arrive in about 30 minutes, 24/7, up to roughly USD 1 million. Managed Investment Account Invests excess cash in a professionally managed portfolio built for yield and capital preservation. Merchant Blocking Blocks or restricts named merchants across the business so charges at them decline. Multi-Currency Funds & Cards Issues and spends in local currencies, including EUR, GBP, PLN, SEK, and DKK card issuing for eligible EU/UK entities. Negotiated Hotel Rates Loads a company's negotiated hotel rates so they appear as corporate rates in Ramp Travel search results. Off-Ramp Trip Tracking Records trips booked outside Ramp so they appear in travel reporting and policy checks. Partial Bill Payments Splits one bill into up to 20 separate payments, tracks the remaining balance, and manages each payment independently; generally available to businesses whose ERP supports it. Not available for draft or recurring bills. Pay Bills by Card Pays a Bill Pay invoice with a Ramp card where the vendor accepts card payment. Pay by Bank Accepts bank-authorized inbound payments to a Ramp Checking Account through Plaid's Pay by Bank. Payment Holds Holds payment on a single bill or on every bill for a vendor until the hold is released. Payment Runs Groups approved bills into a payment run that releases on a chosen date. Payroll Funding Funds a payroll provider's ACH debit, outbound wire, or drawdown from a Ramp Checking or Operating Account. Per Diem Policy Sets daily meal and incidental limits for travellers and flags overages against them in real time. Personal Card Reimbursements Links an employee's personal card so out-of-pocket charges can be selected and submitted for reimbursement; an employee can opt in to grant an assigned Assistant permission to view and import their personal card transactions and create reimbursement drafts (off by default, step-up verification required). Physical Card Management Orders, reorders, activates, and sets PINs on physical Ramp cards for employees. Plans & Add-Ons Packages Ramp into Free, Plus, and Enterprise tiers with per-seat and platform-fee billing, and manages add-on subscriptions in product. Ramp Enterprise per-user billing now counts users with the Auditor role (previously an unbilled external role) alongside internal roles; Guest and Accounting Firm-assigned users remain unbilled. PO Accruals (Alpha, Ramp Plus) Extends bill accruals to recognize committed but unbilled purchase-order spend at the individual expense-line level, with automatic monthly straight-line accrual schedules reviewed and synced during month-end close. Policy Flags & Spend Guidelines Automatically flags transactions that violate configurable spend rules, with suggested and custom flags, out-of-policy labeling, and notifications to any employee by email or text. Ramp Checking Account Holds operating cash in a Ramp Checking Account with ACH, wire, and check activity, and supports one account per business entity. Ramp Operating Account Provides an operating deposit account as an alternative to the Ramp Checking Account for eligible businesses. Ramp Reserve Account Holds set-aside cash in a reserve account separate from day-to-day checking. Receivables Accounting Sync Syncs Receivables invoices and payments with QuickBooks Online. Receivables Billing Schedules Configures billing schedules for Receivables invoicing. Receivables Cash Application Applies incoming customer payments to the open Receivables invoices they settle. Receivables Invoicing Creates and sends AR invoices with agent intake, configurable payment methods including native ACH debit with auto-debit on due date, an invoice-inbox allowed-sender list, and 50 MB file uploads. Receivables Revenue Recognition Sets up revenue recognition for Receivables invoices. Receivables Sales Tax (Avalara) Calculates sales tax on Receivables invoices and credit notes through a connected Avalara account, with tax code mappings and configurable commit timing (Beta). Recurring Bills Schedules a bill to repeat weekly, monthly, quarterly or annually and generates each instance automatically, with the frequency editable until the first bill in the series is created. Reimbursement-Only Spend Programs Creates spend programs that fund reimbursements only, without issuing a card or fund. Reimbursements Reimburses employee expenses, including locally funded reimbursements in USD, CAD, GBP, EUR, DKK, PLN, SEK, AUD, SGD, and JPY for eligible entities. Self-Directed Investment Account Invests excess cash in a self-directed money market position, with a migration path into a managed portfolio. Shared Cards & Funds Shares a single card or fund across several employees so group spend is tracked in one place. Spend Controls (Funds & Spend Programs) Defines budgets with amount, interval, merchant, and category restrictions as funds, and mass-produces funds with consistent policy from spend program templates. Spend Requests Lets an employee request new spend or a limit increase and routes it to the configured reviewer. Stablecoin Account Holds, deposits, and converts supported stablecoins such as USDC and USDT alongside USD balances. Temporary Limit Changes Raises or lowers a card or fund limit for a defined window and reverts it automatically afterwards. Transaction Refund Linking Links a merchant refund back to the original charge so the pair nets out in reporting and accounting. Transaction-to-Bill Matching Matches card transactions to open bills so an invoice already paid by card is not paid twice. Travel Lets employees book flights, hotels, and cars with policy rules that label out-of-policy options in search results, Policy Agent per diem rules, and separately configured booking approvals. Treasury & Banking Holds business cash in checking, investment, and managed-portfolio accounts and reports daily available balances and syncable banking transactions. Two-Way Bill Payment Sync Reflects bill payments recorded in either Ramp or the accounting provider in the other system. Vendor Credits Applies vendor credits and credit memos against open bills. Virtual Card Issuance (Vault & Embedded) Issues virtual cards backed by funds and exposes the card number, CVV, and expiration to a customer's backend via the Vault API or to a browser via an embedded iframe. Wire Drawdown Requests Lets an authorized third party pull funds from a Ramp Checking Account by wire, with per-request approval control.
Workflow & Procurement Automation 3-Way Match Matches a bill against its purchase order and item receipts before payment is allowed. Accounting Automation Applies configurable rules to auto-code transactions and bills to accounting fields and auto-approve routine, recurring spend. Accounting Date Editing Changes the accounting date on a transaction so it posts to the intended period. Accounting Filters & Custom Views Saves filtered views of the accounting queue so a team can work a consistent slice of transactions. Amortization Spreads prepaid costs across the periods they benefit and syncs the resulting schedule to the accounting provider. Approval Matrices Routes approvals from a matrix table that maps combinations of department, location, or entity to approvers and coding values, editable as CSV or over the API. Auto-Generated Receipts Generates a compliant digital receipt for transactions at supported vendors when no merchant receipt exists. Banking Automations Automates Ramp Checking Account funding with Target Balance, sweep, and recurring transfer automations; sweep automations can now move excess funds to another eligible Ramp Checking Account, not only an Investment Account. Banking Payment Approvals Requires approval before outbound Ramp Banking payments and third-party debits are released. Blank Canvas External Approvals Lets a customer's own system participate in Ramp approval workflows for bills, procurement, and spend requests by receiving review requests and posting back decisions. Budget-Based Approvals Routes a spend request to the owner of the budget the spend draws against. Bulk Accounting Edits Edits coding, memos, and accounting fields across many transactions at once. Camera Roll Receipt Matching Scans an employee's phone camera roll for receipt images and matches them to open transactions. Change Orders Amends an issued purchase order's amounts or lines through a tracked change order. Conditional Coding Requires or hides an accounting field in a submission policy based on the value of another field, in a defined order. Conditional Field Filtering Limits the options offered for one accounting field based on the value chosen in another. Employee Self-Coding Requires employees to code their own transactions to accounting fields before submission. Expense Accruals Books month-end accruals for unsynced card transactions and posts an auto-reversing entry on the first day of the next period. Expense Attendees Records internal and external attendees on an expense and requires them when policy calls for it. Expense Review Policies Configures who reviews which transactions and reimbursements and under what conditions. Global Question Library Defines an intake question once and reuses it across procurement programs and workflow forms. International Tax Coding Reads tax amounts off international receipts and codes them to the correct tax field automatically. Low Balance Notifications Notifies chosen recipients when a Ramp Checking Account balance falls below a set threshold. Missing Receipt Affidavit Accepts a signed affidavit in place of a lost receipt to satisfy a submission policy. Overbilling Protection Blocks or flags bills whose total, rates, or quantities exceed the matched purchase order beyond a configured threshold. Partial Receiving Records partial receipt of a purchase order's goods, including through Universal CSV. Personal Charge Handling Marks a charge as accidental or personal, notifies the cardholder, and starts the repayment path. PO Transaction Matching Matches card transactions to open purchase orders. Procurement Routes purchase intake requests through configurable approval workflows and produces purchase orders once approved. Procurement Follow-Up Forms Sends an additional form to a requester or stakeholder partway through a procurement workflow. Procurement Savings Capture Records negotiated savings on a purchase request and rolls them into savings reporting. Punchout Catalogs Connects punchout suppliers such as Amazon Business and CDW so employees can shop a vendor's catalog inside Ramp Procurement, with self-service CDW setup via integration guide and configurable order-confirmation/ship-notification webhooks that surface supplier fulfillment status on the PO. Purchase Order Auto-Coding Applies rules that code purchase order lines to accounting fields automatically. Purchase Order Management Customizes purchase order templates, bulk-imports POs, and issues them in multiple currencies. Ramp for Construction Adds project coding, project-manager approval routing, retainage, and lien waiver and certificate-of-insurance checks for construction businesses. Ramp-Only Accounting Fields Creates accounting fields that exist only in Ramp for internal coding and reporting without pushing them to the ERP. Receipt Auto-Capture Retrieves receipts automatically from supported merchants, either through Ramp's own merchant connections or by linking the employee's merchant account. Receipt Email Forwarding Attaches receipts emailed or auto-forwarded to Ramp to the transaction they belong to. Receipt Requirement Exclusions Excludes chosen merchants from receipt and memo requirements. Receipt Verification Checks that a submitted receipt matches the transaction's merchant, date, and amount before accepting it. Request Coordinator Assigns a coordinator with full edit rights to shepherd a procurement request through its lifecycle. Split Expense Automations Applies rules that split a transaction across accounting fields automatically, such as allocating shared spend across departments. Submission Policies Requires receipts, memos, and accounting fields on transactions and reimbursements under configurable conditions. Target Balance Automation Keeps a Ramp Checking Account at a target balance, topping it up ahead of a forecasted shortfall and sweeping excess into an investment account. Transaction Review Reviews, approves, and returns card transactions from a reviewer queue. Transaction Splitting Splits a transaction or reimbursement into several separately coded lines. Vendor Sourcing Events Runs RFI, RFP, and RFQ sourcing events with vendor questionnaires, weighted scoring, and AI-assisted grading before a purchase request begins. Virtual Cards on Purchase Orders Issues a virtual card tied to an approved purchase order so spend is capped at the PO amount. Workflow Blocks Packages multi-step approval logic into reusable blocks that can be embedded across procurement workflows. Workflow Builder Creates, edits, and tests expense approval workflows in a visual trigger-and-outcome builder. XML Receipt Support Accepts XML tax receipts such as Mexican CFDI files as valid receipt documentation in a submission policy.
Partner & Ecosystem Integrations Accounting Partner Program Runs Ramp's accounting-partner program with tiers, referrals and payouts, a public accountant directory, and partner training. Advisor Console Gives an accounting firm one console to add client businesses, connect to their Ramp accounts, and work across them. Advisor Console Close Checklist Tracks month-end close tasks for a client under a selected project and period, grouped by status or group, with task completion gated on the firm member's client access. Advisor Console Reporting Reports spend, accounts payable, and workflow efficiency across every connected client from one view. Advisor Console Staffing Invites firm staff, assigns them to individual clients, and scopes their permissions per client. Bank Feed Publishing Publishes a Ramp Checking Account bank feed that accounting providers consume directly or by OFX upload. Chrome Extension Provides a browser extension that fills Ramp card details at checkout, captures on-screen receipts, and surfaces expense policy while booking. E-Signature & Contract Integrations Sends documents for signature and imports executed contracts through DocuSign, Dropbox Sign, and Ironclad. ERP Integrations Syncs Ramp transactions, bills, bill payments and reimbursements into connected ERPs, with readiness signals (sync_ready, sync_status, is_payment_sync_ready) and mark_ready_to_sync for two-phase bill and payment export. ERP Reconciliation Reports Produces a report comparing Ramp activity against what actually posted in the accounting provider. GRC Integrations Runs vendor security and compliance reviews inside procurement workflows through Vanta, Drata, OneTrust, LogicGate, or LinkSquares. HRIS Sync Syncs employees, departments, and terminations from an HR system such as ADP or Workday. IdP Role Assignment Maps identity-provider group membership onto Ramp roles so access follows the directory. Incorporation Forms a US LLC for a new business through a partner incorporation provider and tracks the formation to completion. Mailbox & Calendar Integrations Connects company Gmail, Outlook, and Google Calendar so email receipts and meeting context attach to transactions automatically. Merchant Integrations Links employee accounts at merchants such as Uber, Lyft, DoorDash, and Amazon Business so their spend and receipts arrive in Ramp automatically. Partner Integrations Program Lets technology partners build, get approved, and publicly list integrations built on the Developer API on the Ramp Integrations page. Partner-Led Customer Onboarding Lets a partner pre-fill a Ramp business application on behalf of a new customer and track its status through submission and approval via API and webhooks. Purchase Order Accounting Sync Syncs purchase orders and item receipts into the accounting provider and reconciles the bills matched to them. Slack & Teams Apps Delivers Ramp notifications, fund requests, and approvals inside Slack and Microsoft Teams. Ticketing Integrations Creates and updates tickets in Asana, Jira, or Linear from a procurement program. Travel Supplier Integrations Connects Ramp to travel suppliers and loyalty programs such as Navan, Conferma, and AAdvantage Business. Universal CSV Integration Syncs Ramp accounting data to any system via CSV, supporting custom accounting fields with text, boolean, date, single-select, item and tax-code types.
Vendor & Contract Management 1099 Filing Identifies 1099-eligible vendors and spend, then generates, e-files, corrects, and delivers 1099-NEC and 1099-MISC forms federally and in participating states. Cards on Vendor Profiles Shows and issues the cards and funds associated with a vendor from the vendor profile, with one card designated as the card on file for that vendor's bills. Contract Document Ingestion Adds contracts in bulk by upload, by forwarding them to a Ramp email address, or by importing them from a contract lifecycle system. Contracts & Renewals Tracks vendor contracts and renewal lifecycles with renewal statuses (including EVALUATING and TERMINATED), renewal requests, and configurable recurring renewal reminders. ERP Vendor Sync Imports vendors from the accounting provider and keeps vendor information in sync in both directions. Faster Payments Pays a vendor within minutes rather than standard ACH timing, for a 1% fee the vendor opts into. Vendor Approvals Routes new vendors and vendor edits through an approval policy, optionally enforcing separation of duties so a creator or editor cannot approve their own request. Vendor Bank Linking Lets a vendor link and confirm its own bank account rather than sending account details over email. Vendor Bulk Editing Updates many vendor records at once from a bulk edit or upload. Vendor Custom Groups Groups vendors into custom sets used for filtering, reporting, and workflow routing. Vendor Detail Requests Emails a vendor a secure request for payment, tax, and other required details and files the response on the vendor record. Vendor Documents Stores vendor documents (contracts, W-9, questionnaires, SOC 2, insurance certificates), supports bulk upload of up to 1,000 documents with automated categorization and review, and parses contracts for key terms on Ramp Plus. Vendor Invoice Submission Lets a connected vendor send an invoice from the Vendor Portal, which arrives as a draft bill on the payer's side. Vendor Merging Merges duplicate vendor records into one while preserving bills and payment history. Vendor Network Connects payers and vendors on Ramp so payment and tax updates, comments, and invoices pass between them without manual re-entry. Vendor Onboarding Collects the documents, reviews, and payment details a new vendor must supply as part of a procurement request. Vendor Portal Gives a vendor its own account to submit payment and tax details, track payments, and manage relationships with multiple payer entities. Vendor Profile Sharing Lets vendors share their profile, tax details and selected documents with customers via expiring secure links, with per-recipient access control, activity tracking, and access extension after expiry. Vendor Records Manages vendor profiles with lifecycle statuses (Active, On hold, Inactive, Pending, Unmanaged), retaining owners through deactivation and gating status changes on edit permissions. Vendor Tax Details Collects and stores vendor tax classifications and W-9 or W-8 documentation on the vendor record. Vendor TIN Verification Verifies a vendor's taxpayer identification number against the IRS in the US or VIES in the EU. Vendor Verification Confirms a vendor's bank account can receive deposits and belongs to that vendor, by bank connection, micro-deposit, or statement review.
Identity & Governance Audit Log Records an admin-visible audit trail of account activity with a large typed event catalog, queryable via the developer API. Business Ownership Transfer Transfers ownership of a Ramp business from one user to another. Custom Roles Builds custom roles with per-permission control over what a user can see and do. Custom User Fields Adds custom fields to user records that workflows, approvals, and reporting can then key on. Delegate Approvers Assigns a backup approver so approval chains keep moving while someone is away. Entity Restrictions Restricts an accounting, accounts payable, or finance admin user to specific business entities. Governed Change Approvals Requires configured changes to sensitive settings to be submitted, reviewed, and approved or rejected before they take effect, with meta-approvals that can be turned on or off per governed subject. Groups Organizes employees into static or rule-based dynamic groups that approvals, spend programs, and policies route against. IP Allowlist Restricts account or API access to a configured list of allowed IP addresses, logging changes to the list as an audit event. Multi-Entity Support Runs several legal entities inside one Ramp account with per-entity cards, accounting, and access, added individually or in bulk. Preview Mode Shows an admin a read-only view of Ramp exactly as another user sees it. SCIM Attribute Mapping Maps identity-provider attributes onto Ramp custom user fields and deactivates a user automatically when the directory deprovisions them. SSO, SAML & SCIM Authenticates and provisions users through enterprise SSO, SAML, and SCIM identity-provider integrations. User Lifecycle Management Invites and manages users by email, CSV, link campaigns, SMS text, and automatic delivery through connected Slack or Microsoft Teams workspaces. User Roles Assigns predefined roles such as Admin, IT Admin, Finance Admin, Accounting, Accounts Payable, Manager, Assistant, Guest, and view-only admin.
Analytics & Benchmarking Advanced Report Filtering Filters reporting tables on combined conditions across transactions, reimbursements, and accounting fields. AI Index Reports business AI-product adoption rates by industry sector and company size, derived from aggregate Ramp transaction data, via REST API and MCP. AI Token Spend Management Consolidates AI token usage, per-model cost, and spend trends by connecting provider accounts such as Anthropic, OpenAI, Cursor, Google Cloud, AWS Bedrock, and Fireworks AI. AI Usage Tracking Ingests provider-neutral AI model usage event batches from a partner platform so a customer's AI spend, tokens, and cost attribution appear in Ramp's analytics. AP Aging Report Reports outstanding bill balances grouped into aging buckets. Custom Reports & Budgets Builds custom spend reports with AI assistance and tracks budgets against actual spend in real time. License Intelligence Reports software seat usage and inactive users by connecting Okta, Microsoft Entra, Google Workspace, or the Ramp Chrome extension. Ramp Rate Reports software category and vendor adoption, growth, and switch-rate benchmarks derived from anonymized aggregate Ramp spend, via REST API and MCP. Reports & Dashboards Saves spend reports across cards, reimbursements, and bills and organizes them into dashboards scoped to what each role may see. Savings Insights Sends admins periodic recommendations covering duplicate spend, overspending, and missed rewards. Travel Reporting Reports booked and completed trip spend, policy compliance, and traveller activity in a travel admin dashboard.
Security & Authentication 3-D Secure Enrollment Enrols Ramp cards in 3-D Secure so issuer verification completes on online purchases that require it. Fraud Protection Monitors transactions in real time for fraud, temporarily locking flagged cards and letting cardholders confirm legitimate transactions by SMS reply or in-app card unlock. KYB & KYC Verification Verifies business and beneficial-owner identity at application and on entity changes across the US, Canada, EU, and UK. Login Controls Restricts which sign-in methods a business allows, supports IdP-initiated SAML, and notifies users of new sign-ins. Multi-Factor Authentication Requires a second sign-in factor based on risk signals for password or Google SSO sign-in (no longer required after SAML SSO), and lets a locked-out user request admin-approved MFA removal instead of only identity-document verification. Passkey Sign-In Signs in with a device passkey instead of a password. Sunshine Act Reporting Tracks payments and transfers of value to healthcare providers and reports them for federal Sunshine Act compliance. Unified Login Signs a user in once with one email address and switches between the Ramp businesses that email belongs to.
AI Assist Features AI Policy Assistant Answers natural-language spend-policy questions, searches the help center, and explains declined transactions for users and AI agents. AI-Assisted AP Processing Extracts invoice data with OCR and generates AI-driven accounting-coding and approval recommendations, batch payments, and fraud checks for accounts payable; on Ramp Plus (beta), a connected Gmail inbox lets Ramp create draft bills and vendors from incoming AP email automatically, and eligible drafts can be auto-created into bills that still pass through the configured approval workflow. Ask Ramp Answers questions about Ramp and the user's own account in an in-app chat and takes actions such as approving requests or updating transactions. Policy Editor Chat Assistant Drafts and edits expense policy language in a chat alongside the policy editor. Policy Suggestions Proposes changes to a written expense policy based on observed spend and review patterns, including edits raised in the approval flow itself, which admins apply immediately and reviewers submit for admin review. Spend Request Review Predictions Recommends an outcome on a fund spend request from comparable past decisions and the request's context. Vendor Intelligence Automatically tracks vendors, extracts contract terms, and surfaces price-intelligence benchmarks for vendor spend.
Data Export & Workplace Experience Comments Lets users post and read threaded comments on bills, transactions, and spend requests to coordinate review. CSV Export Downloads any Ramp report or table as CSV, delivered in the browser or by email when the file is large. ERP Migration Migrates a Ramp account to a new accounting provider by mapping old accounting fields and values to the new connection and carrying over eligible settings, vendor mappings, rules, workflows and unsynced codings. Export to Data Warehouse Exports Ramp transactions, receipts, and metadata into a customer-owned data warehouse. Mobile App Provides a native mobile app for reviewing transactions and approving bills and reimbursements, and for viewing (read-only) the status, approval chain, and workflow progression of existing procurement requests and purchase orders. Ramp for Excel Provides an Excel add-in that pulls transactions, users, and card data into a spreadsheet without downloading a CSV. Receipt Bulk Download Downloads the receipts attached to a selected set of transactions in bulk.
Developer Platform Custom Records Extends Ramp's native objects with custom fields and lets customers create their own custom tables with bidirectional references, available to Ramp Plus and Enterprise. Deferred Tasks Returns a task id for asynchronous API operations and exposes a status endpoint to poll until the task succeeds or fails. Developer API Exposes Ramp's REST API under OAuth 2.0 client-credentials and authorization-code grants, scoped per resource across cards, bills, budgets, incorporation, item receipts, purchase orders, reimbursements, sourcing, tasks and transactions. Developer MCP Serves Ramp's developer documentation, API reference, and OpenAPI schemas to coding assistants over an unauthenticated MCP server. Ramp CLI Authenticates via OAuth and lets a terminal user or AI agent manage expenses, approve bills, and book travel from the command line, with a packaged skill system for agent frameworks. Ramp Data MCP Serves the Ramp Rate and AI Index datasets to MCP-compatible clients over a provisioned-access server. Sandbox Provides a demo environment with a separate API host and simulated actions for testing integrations without moving real money.
Ramp AI Agents Accounting Agent Codes accounting fields from transaction history and context, recommends which expenses to mark ready, and groups them by suggested action. Limited AI coding is available without Ramp Plus; enhanced AI coding and Auto-mark ready require Plus. Agentic Intake Programs Collects a procurement request through an AI conversation in the app, Slack, or email, asking only the follow-ups the program requires before routing it for approval. Collections Agent Organizes overdue invoices into collection cases and drafts collection emails from a connected mailbox. Dynamic Attendee Requirements Decides when attendee details are required on an expense from policy and transaction context rather than a fixed rule. Policy Agent Holds the company's expense and travel policy as a natural-language document that evaluates transactions and travel bookings, with a migration flow that converts existing rule settings. Procurement Review Agents Runs customer-defined research agents for legal, security, or finance review inside a procurement workflow, doing the upfront research without making the approval decision. Reporting Agent Answers plain-English questions about company spend by generating charts, tables, and written insight that can be exported or shared.
Agentic Commerce Agent Cards Generates single-use payment credentials scoped to one merchant and capped at a requested amount so an AI agent can complete a purchase. Agentic Payments (Standalone Agents) (Limited early access) Gives a company-owned standalone agent (not a user-session assistant) purchase authority on Ramp, as a separate onboarding path from the per-session Agent Cards playbook. Ramp MCP Connects account-scoped Ramp data and actions to AI assistants such as Claude and ChatGPT over MCP, letting users query spend, process approvals, and take actions in natural language.
A beta OpenAI-compatible LLM routing endpoint that sends each request to the lowest-cost approved model clearing the caller's quality bar, with provider fallbacks, per-key spend caps, and bring-your-own-key. Sold at router.com separately from Ramp's finance products; no Ramp account needed.
Software capabilities API surface Anthropic Messages endpoint Serves POST /v1/messages and POST /v1/messages/count_tokens in the Anthropic Messages shape over the same routed providers. Error and limit contract Returns failures in the OpenAI error envelope with documented status and error codes, capability-translation failures as 501, and an annotation naming every fallback candidate that failed. OpenAI Chat Completions endpoint Accepts OpenAI Chat Completions requests at POST /v1/chat/completions and routes them to the same providers as the Responses surface, returning a chat.completion object. OpenAI Responses endpoint Accepts an OpenAI Responses create payload at POST /v1/responses and returns an OpenAI Response object whichever provider serves it. Per-key model catalog Returns the exact callable model IDs available to the calling key from GET /v1/models in the OpenAI model-list shape, including benchmark aliases and their limits. Per-request timeouts Bounds each provider call with provider_timeout and stream startup with timeout_before_headers, rejecting a value above the gateway maximum rather than clamping it. Streaming responses Returns OpenAI Responses server-sent events when a request sets stream, committing the response to one model once the stream starts.
Observability Content recording controls Records model inputs, outputs, and tool calls for one year by default, with an account-wide opt-out that stops future recording. Request correlation headers Echoes X-Request-Id and X-Trace-Id and generates either one when absent, so a request can be traced from application logs into Router logs. Request logs Lists each request with its model, provider, status, tokens, cost, latency, metadata, serving credential, and the fallback candidates Router tried. Shadow model evaluation Mirrors a sampled percentage of eligible requests to one to three alternative models in the background and compares their cost and latency against the served response without affecting it. Usage dashboard Reports spend, tokens, request count, average cost per request, and routing cost delta over a selected range, grouped by key, provider, model, or service tier.
Routing strategies Benchmark alias routing Routes a request through a weighted benchmark alias that samples from a candidate model mix and falls back within the alias, keeping one stable model ID for the caller. Cost-efficient Flex routing Chooses between a model's standard and Flex service tiers per request based on recent tier performance, on by default and overridable per request with allow_flex_tier. Ordered model fallbacks Tries 1 to 15 explicit provider:model[:tier] candidates in order, advancing on rate limits, provider 5xx, network failures, and timeouts until one starts a response. Prompt cache passthrough Preserves provider cache controls such as cache_control and prompt_cache_key, accounts for reported cache tokens, and holds eligible OpenAI routes on one candidate with a routing-affinity lease. Switchyard Routing Opt-in strategy (built on NVIDIA NeMo Switchyard) that scores recent conversation signals for coding-agent turns — tool-output errors, context compaction, tool-call patterns, passing tests, turn depth — and routes simpler turns to a configurable efficient model while keeping complex or error-heavy turns on the capable model; composes with cost-efficient routing.
Client integration Claude Code cost status line Installs a Claude Code status line showing a session's server-computed Router cost beside what the same tokens would cost at Claude Opus 5 list prices. OpenAI SDK compatibility Works with any library that speaks the OpenAI Responses API and allows a custom base URL, taking Router-only fields through the SDK's extra-body escape hatch. Ramp CLI agent configuration Points coding agents such as Claude Code and Codex at Router models with one ramp router configure command, and restores their original configuration with unconfigure.
Spend controls Per-key spend caps Stops an API key once recorded usage passes its lifetime or recurring cap, disabling or locking the key rather than failing individual requests for credit. Service tier pinning Pins a provider service tier as the third segment of a candidate, across the tiers each provider offers. Spend attribution labels Stores short labels sent in the Responses metadata field with the usage record so spend can be attributed to a feature, team, or environment.
Credentials and keys Bring your own key Serves requests with a customer's own OpenAI, Fireworks, xAI, or Baseten credentials at no Router charge, with configurable shared-key fallback and an optional OpenAI data-residency region; Router now performs a one-time authenticated check against the provider when a key is saved and rejects keys the provider definitively refuses. Router API keys Issues write-once Router keys, each with its own model catalog and optional spend cap, that can be locked, unlocked, or revoked, up to 100 per user.
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