Ramp pricing
Ramp Pricing: 2026 Plans, Tiers, and Real Cost
Ramp pricing starts at $0. The Free plan covers corporate cards, invoice capture, and bill pay by ACH, check, card, and wire. Plus costs $15 per user per month plus a platform fee that scales with team size, and Enterprise is custom and annual only. The catch is not the sticker price, it is which accounts payable features sit behind the paid tiers: three-way matching, multi-entity, advanced ERP integrations, and line item auto-coding all require Plus or above.
Try it now, capture a real invoice
Free plan, no credit card, your data stays yours
$0
Ramp Free plan, per user
$15
Ramp Plus, per user per month
Custom
Ramp Enterprise, annual only
3-way match
Paid tier only on Ramp
Syncs to your accounting system
What actually drives your Ramp bill
The per-user price is only part of it. These are the line items that decide what an AP team really pays.
Licensed users
Plus is billed at $15 per user per month. Every person who approves, codes, or reviews a bill counts, so a wide approval chain across departments raises the monthly figure faster than invoice volume does.
The Plus platform fee
Ramp lists Plus as $15 per user per month plus a platform fee based on team size. That fee is not published on the pricing page, so ask for it in writing before you compare Ramp against a flat per-user quote.
Which AP features you need
Invoice capture and bill pay are on the Free plan. Three-way matching against imported purchase orders, batch payments, payment release approvals, and line item auto-coding start on Plus.
Annual versus monthly billing
Ramp advertises roughly 20 percent off Plus when you pay annually. Enterprise is annual only. If cash flow matters more than the discount, price both and decide deliberately.
ERP depth and multi-entity
Advanced ERP integrations, multi-entity management, and custom user roles are not on the Free plan. If you close books across several entities, you are shopping the paid tiers whether you planned to or not.
Card spend, not invoices
Ramp earns revenue on corporate card interchange, which is why the AP side can be free. If your spend runs through checks and ACH rather than cards, you get the software without funding the model behind it.
How to price Ramp for your AP team
Four steps to turn the published tiers into a number you can compare against other vendors.
Count the people, not the invoices
Ramp bills per user, so list every approver, coder, and controller who needs a seat. Multiply by $15 for Plus. Invoice volume does not move that line, which makes Ramp cheap at high volume and expensive with a big approval chain.
Check the free plan against your must-haves
Write down the AP features you cannot ship without. If three-way matching, multi-entity, or a deep NetSuite or Sage Intacct sync appear on that list, the Free plan is off the table and you are pricing Plus or Enterprise.
Ask for the platform fee in writing
The Plus platform fee scales with team size and is not on the public pricing page. Get the exact figure for your headcount, then add it to the per-user total before you compare quotes.
Price the card program separately
Ramp's economics assume card spend. Model how much of your payables can realistically move to cards, because that decides whether the free tier is a genuine bargain or a loss leader you never activate.
Ramp versus AutoPayables on cost
Where the money goes with a card-led spend platform compared with a focused AP tool.
Ramp
- Free plan covers capture and bill pay
- Plus is $15 per user per month plus a platform fee
- Three-way matching requires Plus
- Model assumes corporate card spend
- Enterprise is annual only, custom quote
AutoPayables
- Free plan to start, no per-invoice fee
- No platform fee layered on the plan price
- Invoice matching is part of the core workflow
- Works the same whether you pay by card, ACH, or check
- Try it on real invoices before you commit
When Ramp pricing is worth it, and when it is not
The answer depends on your card spend, your approval chain, and how much ERP depth you need.
Worth it: card-heavy startups and scale-ups
If most of your spend already runs on corporate cards and your AP needs stop at capture, approval, and bill pay, the Free plan is genuinely strong. You get AI invoice capture and ACH, check, card, and wire payments for nothing.
Worth it: teams that value one platform
Consolidating cards, expenses, and payables in one place has real value. If your controller wants a single reconciliation surface and you can live inside Ramp's approval model, Plus at $15 per user is competitive.
Think twice: PO-driven AP at scale
Three-way matching against imported purchase orders sits on Plus. If matching is central to your controls, price Plus for every approver from day one rather than assuming the free plan will carry you.
Think twice: multi-entity finance teams
Multi-entity management, custom user roles, and advanced ERP integrations are paid features. Groups closing books across several legal entities should price Enterprise and ask exactly which integrations are included.
How much does Ramp cost in 2026?
Ramp costs nothing to start. The Free plan is $0 per user per month and includes AI invoice capture, bill payment by ACH, check, card, and wire, basic vendor onboarding, and automated fraud checks. Plus is listed at $15 per user per month plus a platform fee that scales with team size, with roughly 20 percent off for annual billing. Enterprise is custom priced and sold on annual contracts. Ramp is unusual in this category because the accounts payable software is free at the entry tier, and the company earns its revenue on corporate card interchange instead.
Ramp pricing plans at a glance
The table below reflects Ramp's published tiers. The Plus platform fee is not disclosed publicly, so treat the per-user figure as a floor rather than the final number.
| Plan | Price | What it adds for AP teams |
|---|---|---|
| Free | $0 per user per month | AI invoice capture, bill pay by ACH, check, card, and wire, basic vendor onboarding, automated fraud checks |
| Plus | $15 per user per month, plus a platform fee based on team size | Batch payments, three-way match with imported purchase orders, line item auto-coding, payment release approvals, advanced approval routing |
| Enterprise | Custom, annual contract only | Custom implementation, enterprise ERP integrations, SOX compliance customizations, premium support |
Is Ramp free, really?
Yes, with real limits. The Free plan carries no per-user charge and no hard cap on transactions or users. The restrictions are feature based, not volume based. Multi-entity management, custom user roles, advanced ERP integrations, and three-way matching against purchase orders all sit on paid tiers. So a small team paying vendors by ACH and card can run genuinely free for a long time, while a controller who needs matching and a deep ERP sync is buying Plus on day one.
What drives the cost up
Two things move a Ramp quote. The first is headcount, because Plus is priced per user and every approver in the chain needs a seat. A finance team of six is a different bill from a company where forty department heads approve their own invoices. The second is the platform fee attached to Plus, which Ramp ties to team size and does not publish. That fee is the number most buyers forget to ask for, and it is the reason a Ramp quote can land above a simple headcount times $15 calculation. Enterprise adds implementation and configuration work that is scoped and priced individually.
Is Ramp worth the price?
For card-led companies, the free tier is one of the better deals in accounts payable, and $15 per user for Plus compares well against per-invoice pricing from the invoice suites. The tradeoff is philosophical. Ramp is a spend platform that happens to do AP, and its economics assume your spend moves onto its cards. If your payables are mostly ACH and paper checks to trade vendors, you get solid software without ever feeding the model that funds it, which is fine, but it also means Ramp has less reason to build the deep matching and multi-entity features that a purchase order driven AP shop depends on. Price both tiers, confirm the platform fee, and check the matching requirements against your controls before you decide.
Frequently asked questions
Ramp's Free plan costs $0 per user per month. Plus costs $15 per user per month plus a platform fee based on team size, with about 20 percent off for annual billing. Enterprise is custom priced on an annual contract. The Free plan includes invoice capture and bill payment, so many small teams pay nothing.
Yes. Ramp's Free plan has no per-user fee and no hard transaction or user caps. The limits are feature based: multi-entity management, custom user roles, advanced ERP integrations, and three-way matching with purchase orders require a paid plan. Teams that only need capture, approvals, and bill pay can run on Free indefinitely.
Ramp uses a freemium, per-user model rather than per-invoice pricing. The Free tier costs nothing, Plus is $15 per user per month plus a team-size platform fee, and Enterprise is quoted individually. Ramp earns most of its revenue from interchange on corporate card spend, which is what subsidizes the free software.
Ramp publishes three tiers. Free at $0 covers cards, invoice capture, and bill pay. Plus at $15 per user per month adds batch payments, three-way matching, line item auto-coding, and advanced approval routing. Enterprise is custom, annual only, and adds enterprise ERP integrations, SOX customizations, and premium support.
Per user. Ramp bills seats, not invoices, so processing more bills does not raise the price. That makes Ramp inexpensive at high invoice volume and relatively costly when a large number of department approvers each need a licensed seat on the Plus plan.
Ramp earns revenue primarily from interchange fees on corporate card spend, plus subscription revenue from Plus and Enterprise. That model lets Ramp give away invoice capture and bill payment. It also means the product is designed to pull spend onto its cards, which matters if you pay vendors mostly by ACH or check.
Compare AP automation on your own invoices
Upload one real vendor invoice, watch the AI capture the line items and route it for approval, then decide what a per-user price is actually worth to your team.