Software vendor
Ramp
Ramp, based in New York, sells corporate cards, expense, AP and procurement software with AI agents that code, review and approve routine spend.
Function
- Ownership
- Not stated
- Headquarters
- United StatesSourceSEC EDGAR company name lookups and filing histories for private and deregistered vendors in segment B
- SEC reporting
- NoSourceSEC EDGAR company name lookups and filing histories for private and deregistered vendors in segment B
- Audit firm
- No
- Website
- Subprocessor list
- Not stated
- Contract terms
- Not stated
Offering · Software
Ramp spend management (cards, expense, accounts payable, procurement) with Ramp Intelligence
Ramp sells corporate cards with expense, accounts payable and procurement software, and describes Ramp Intelligence as an AI layer across all its products, with agents trained on each customer's policies and data. SourcesRamp IntelligenceRamp pricing (Start for free. Scale with Intelligence.)
Ramp says its agent handles low-risk and routine approvals, flags risky transactions, can submit card payments on vendor portals and rebooks hotels when prices drop by $50 or more, while its FAQ says no money moves without a human confirmation. SourceRamp Intelligence
In Ramp's published pricing, October 2026, AI-driven approval recommendations, auto-coded line items and automated approval of routine spend are listed in the $15-per-user Plus plan, which also carries a platform fee. SourceRamp pricing (Start for free. Scale with Intelligence.)
Where it fits
CoE analysis Card-led spend control for companies that want expense review, invoice coding and routine approvals handled by agents.
CoE analysis The approval statements on Ramp's page need to be reconciled into a written list of which actions an agent can take alone before go-live.
What it does
- Offering type
- SoftwareSourceRamp Intelligence
- Workflow areas
- SourcesRamp pricing (Start for free. Scale with Intelligence.)Ramp Intelligence
- Expense
- Accounts payable
- Spend and procurement
- Customer size
- Not stated
AI
- Kind of AI
- SourceRamp Intelligence
- Built into the platform
- Agents and automated actions
- Established machine learning and rules
- Suggests or acts
- Suggests and actsSourceRamp Intelligence
- Availability
- Generally availableSourceRamp pricing (Start for free. Scale with Intelligence.)
AI features are listed by plan on the pricing page; no preview label on the pages read.
- Models named
- Not stated
Control
- Who controls it
- SourceRamp Intelligence
- Vendor
- Customer finance team
Commercial
- Pricing model
- Published list priceSourceRamp pricing (Start for free. Scale with Intelligence.)
- Public price
- USD 15 per user per month (Plus), plus a platform fee based on team size that is not publishedSourceRamp pricing (Start for free. Scale with Intelligence.)
Ramp Plus
Evidence
- Independent outcomes
- None found in the sources read.
- Sources read
- Vendor-stated 6
- Independent market evidence None read
- Independently verified outcomes None read
- Pricing 2
- Known limitations None read
- Coverage
- Directory record
- Last verified
Security and control
- Single sign-on
- Not covered in this record
- User provisioning
- Not covered in this record
- Role-based access
- Not covered in this record
- Administrator controls for AI
- Not covered in this record
- Audit logs
- Not covered in this record
- Certifications
- Not covered in this record
- Data retention
- Not covered in this record
- Data residency
- Not covered in this record
- Training on customer data
- Not covered in this record
AI features
As the vendor or firm describes them. Notes in small print record what the sources leave open.
Ramp agent: expense approvals
Handles low-risk and routine approvals, escalates risky or ambiguous transactions, and answers employees' policy questions by text.
- Kind
- Agents and automated actions
- Suggests or acts
- Acts
- Who controls it
- Customer finance team, Vendor
- Availability
- Generally available
Control: Trained on the customer's policy; Ramp says reviewing actions and giving feedback improves the agent.
Name: Descriptive label by CoE | Vendor Intelligence; Ramp's page refers to "Ramp agent" and "Ramp agents" and does not name this feature.
SourcesRamp IntelligenceRamp pricing (Start for free. Scale with Intelligence.)Ramp agent: AP coding and card payments
Extracts and codes every invoice line to the ERP and can submit card payments on vendor portals.
- Kind
- Agents and automated actions, Built into the platform
- Suggests or acts
- Acts
- Who controls it
- Vendor
- Availability
- Generally available
Name: Descriptive label by CoE | Vendor Intelligence; Ramp's page refers to "Ramp agent" and "Ramp agents" and does not name this feature.
SourcesRamp IntelligenceRamp pricing (Start for free. Scale with Intelligence.)Fraud checks and three-way match
Scans transactions in real time for anomalies and AI-generated fakes; validates invoices against purchase orders and receipts.
- Kind
- Established machine learning and rules
- Suggests or acts
- Suggests
- Who controls it
- Vendor
- Availability
- Generally available
Name: Descriptive label by CoE | Vendor Intelligence; Ramp's page refers to "Ramp agent" and "Ramp agents" and does not name this feature.
SourcesRamp IntelligenceRamp pricing (Start for free. Scale with Intelligence.)Ramp agent: hotel price monitoring and rebooking
Monitors booked hotels and rebooks at the lower rate when the price drops by $50 or more.
- Kind
- Agents and automated actions
- Suggests or acts
- Acts
- Who controls it
- Vendor
- Availability
- Not stated
Name: Descriptive label by CoE | Vendor Intelligence; Ramp's page refers to "Ramp agent" and "Ramp agents" and does not name this feature.
SourceRamp Intelligence
Unclear or conflicting statements
Where the sources are unclear or disagree, both statements are shown with their links.
Whether Ramp agents can approve and pay without a person
Statement A
Intelligence page: let the agent handle low-risk and routine approvals; risky or ambiguous transactions are flagged.
ramp.com/intelligence
Approves when it's safe. Escalates when it's not.
Statement B
Same page, FAQ: no money ever moves without a human confirmation.
ramp.com/intelligence
FAQ: Can I trust AI with my finances?
The same page also says the agent can submit card payments for the customer and rebook hotels at lower rates (C-3431). Which actions require a person, and at what point, is not stated.
Questions to ask
For this offering
- Give us a list of every action a Ramp agent can take without a person, including approvals, card payments on vendor portals and hotel rebookings, and how we switch each off.
- Which large language models and providers power Ramp agents, and is our data used to train models for other customers?
- How is agent feedback stored, and can a user's feedback change the agent's behavior for the whole company?
- What audit trail does Ramp keep for agent approvals and payments, and can our auditors access it?
- How is the Plus platform fee calculated, and do AI features change plan or price during the term?
From the diligence question set
- DQ-06 Does each feature suggest or act? Can it create, post, approve or change records, and where is that limit enforced?
- DQ-07 Who can change each feature's configuration, prompts, thresholds, data connections or model: your company, our administrators or individual users? Can we restrict and log those changes?
- DQ-02 Which AI features depend on models, data or services from third parties, and how do you assess and monitor those providers?
- DQ-04 Which AI features are in the modules and edition we license, or would license, and is each generally available, in preview or beta, a paid add-on, or limited by edition or region?
- DQ-13 What does the system record for each AI output or action, and can we export and keep those records for as long as we need them?
- DQ-19 How are the AI features priced: included in the subscription, sold as an add-on or higher tier, or metered by use? What is the billing unit?