US companies from startups to mid-market that want full AP automation with transparent payment fees and no per-invoice software charges.
Quick overview
- Pricing
- Free plan; Plus $15/user/month + platform fee
- Plans
- US pricing as of October 2026. Free: $0/user/month, includes Bill Pay with AI OCR invoice capture, approval rules, payment by ACH, card, check and wire, and QuickBooks Online and Xero sync. Plus: $15/user/month plus a platform fee based on team size (not published); annual billing saves 20%; adds line-item auto-coding, AI approval recommendations, payment release approvals, batch payments, three-way match with imported POs and item receipts, multi-entity, NetSuite, Sage Intacct, Acumatica and Dynamics 365 Business Central sync. 1099-NEC/MISC filing is $0.65 per IRS filing (free state filing) on every plan. Enterprise: custom, annual billing; adds Workday, Oracle Fusion Cloud and Dynamics F&O. 30-day free trial of Plus. Bill Pay fees from an external account: standard ACH $0.59, standard check $1.99, same-day ACH $10, domestic wire $15, international SWIFT (USD) wire $20, overnight check $20, check attachments $1/page; ACH, check, same-day ACH, domestic wire and SWIFT fees are waived when paying from a Ramp Checking Account. Procurement is an add-on to Plus or Enterprise.
- G2 rating
- 4.8 / 5.0
- Comparisons
- Featured in 4 comparisons
Key features
- AI-powered OCR invoice capture on every plan, with line-item auto-coding on Plus
- Approval rules on every plan, with routing by vendor, department, accounting field and payment type plus payment release approvals on Plus
- Three-way matching against imported POs and item receipts (Plus), with a Procurement add-on
- Pay by ACH, same-day ACH, check, card and domestic or international wire, with most fees waived from Ramp Checking
- 1099 filing at $0.65 per IRS form and ERP sync from QuickBooks Online and Xero up to NetSuite, Sage Intacct and Workday
Pros
- OCR, approvals, all payment methods and QuickBooks Online or Xero sync on a $0 plan
- Low published payment fees, mostly waived when paying from Ramp Checking
- Three-way PO matching and payment release approvals on Plus, and $0.65 1099 filing on every plan
- Cards, expenses, procurement and AP in one platform
Cons
- Plus platform fee is not published, so you need a quote
- Three-way match, auto-coding and batch payments require Plus
- Best value assumes you also use Ramp's card or checking account
Ramp in our comparisons
Best Accounts Payable Software
Ramp is the best accounts payable software for most US businesses in 2026, with OCR, approvals, all payment methods and accounting sync on its free plan. Pick Tipalti for global or multi-entity payables.
Emily RodriguezUpdated October 2026Best Expense Management Software
Ramp is the best expense management software for most U.S. small businesses that qualify: its free plan covers cards, receipts, approvals, reimbursements and QuickBooks or Xero sync. Choose Brex for funded startups with global teams, or Expensify if you want to keep your current cards.
Emily RodriguezUpdated October 2026Expensify alternatives
Switch to Ramp if you want a free corporate card with receipts, reimbursements, travel and accounting sync built in. Stay with Expensify if your team likes SmartScan and you can put most spend on the Expensify Card.
Emily RodriguezUpdated October 2026Mercury vs Brex
Choose Mercury if you want the best all-round business bank account with free wires and a simple 1.5% cashback card. Choose Brex if you need a corporate card with detailed spend controls, global coverage or treasury yield below $250,000.
Emily RodriguezUpdated October 2026