Ramp

Ramp is an AI-powered corporate card and finance automation platform that helps businesses control spending, automate expense management, and reduce costs. Founded in 2019 by Eric Glyman and Karim Atiyeh and headquartered in New York City, Ramp has grown rapidly to become one of the fastest-growing corporate card programs in the United States, serving tens of thousands of businesses. The platform combines physical and virtual corporate cards with intelligent expense management, bill payment, vendor management, accounting automation, and procurement tools. Ramp's AI capabilities are central to its value proposition, with the platform using machine learning to automatically categorize expenses, match receipts to transactions, detect duplicate payments, identify subscription waste, and surface cost-saving opportunities across company spending. Ramp Intelligence, the platform's AI engine, analyzes spending patterns across its customer base to provide benchmarking data and negotiate better rates with vendors on behalf of its users. The platform automatically enforces spending policies through configurable card-level controls, department budgets, and approval workflows. Ramp integrates natively with major accounting systems including QuickBooks, NetSuite, Xero, and Sage Intacct, automating the general ledger coding and reconciliation process. The platform also offers Ramp Bill Pay for vendor invoice management, Ramp Travel for corporate travel booking, and Ramp Procurement for purchase order workflows. Ramp generates revenue primarily through interchange fees on card transactions rather than interest charges, and passes savings to customers through cashback rewards of 1.5 percent on all spending. The platform is free to use with no annual fees, monthly fees, or per-user charges, making it accessible to businesses of all sizes.