Ramp Partner Profile

Ramp Products for Venture-Funded Startups

Corporate Cards

• No personal guarantee. Ramp cards are issued based on business financials, not personal credit, protecting founders from personal liability.
• 1.5% cash back. Earn straightforward cash back on every purchase, with no points gimmicks or category restrictions.
• Unlimited virtual and physical cards. Instantly issue cards for employees, departments, or vendors, each with custom limits and controls.
• Real-time spend controls. Set granular policies, merchant restrictions, and approval workflows to prevent out-of-policy spending before it happens.
• No fees. No annual, per-card, or subscription fees for the core offering.

Expense Management

• Automated receipt capture. Snap a photo or forward receipts via text/email; Ramp’s AI matches and categorizes expenses automatically.
• Policy enforcement. Customizable rules and automated workflows ensure compliance and reduce manual review.
• Mobile and web access. Employees can submit expenses and receipts from anywhere, streamlining the process for distributed teams.
• Accounting integrations. Seamless sync with QuickBooks, NetSuite, Xero, Sage Intacct, and more for faster, more accurate closes.

Bill Pay & Accounts Payable Automation

• Automated invoice processing. OCR-powered data capture, coding, and error detection reduce manual entry and speed up approvals.
• Multi-step approvals. Customizable workflows for payment authorization and compliance.
• Batch payments. Combine multiple invoices for a single vendor into one transaction, decluttering your bank feed and reducing fees.
• Virtual card payments. Pay bills with Ramp cards to earn cash back and automate reconciliation.
• Tax management. Centralized W9 collection, TIN verification, and 1099 reporting simplify compliance.

Travel Management

• Integrated booking. Book flights, hotels, and rental cars directly within Ramp, with all expenses automatically tracked and categorized.
• Dynamic price protection. If a hotel price drops after booking, Ramp automatically rebooks at the lower rate.
• Policy controls. Set travel policies, per diems, and approval workflows to manage spend and ensure compliance.
• Real-time visibility. Monitor travel spend and policy adherence across the company in real time.

Treasury & Cash Management

• Ramp treasury. Store operating cash in a business account earning 2.5% APY, or invest in money market funds for higher yields (up to 4.38%).
• AI-powered automation. Predicts cash flow needs, auto-allocates funds for upcoming bills, and sends balance alerts.
• No fees or minimums. No account fees, minimum deposits, or transfer limits; funds remain liquid for daily operations.
• Integrated workflows. Treasury is fully integrated with Ramp’s AP and spend management tools, consolidating all financial operations in one platform.

Accounting Automation & Integrations

• Automated reconciliation. Transactions, receipts, and approvals sync in real time with your accounting system, reducing manual work and errors.
• ERP integrations. Direct connections to QuickBooks, NetSuite, Xero, Sage Intacct, Oracle Fusion Cloud, and Microsoft Dynamics 365.
• Audit-ready records. Automated audit trails and documentation simplify compliance and financial reviews.

Security & Compliance

• Enterprise-grade security. Built on Google Cloud with strong encryption, access controls, and operational resilience.
• HR integrations. Role-based access and dynamic card deactivation when employees leave, reducing risk.
• Centralized data. Real-time syncing of spend and vendor data across accounting and HR systems for complete visibility and compliance.