Ramp costs $0 on Free or $15 per user a month on Plus plus a platform fee it does not publish, and buyers pay a median of about $25,000 a year. Plus is $12 with annual billing and Enterprise is quoted. Bill Pay adds $0.59 per ACH payment and $15 per wire unless you pay from Ramp Checking.
Ramp pricing: key takeaways
- Real annual cost: Buyers pay a median of $24,998 a year for Ramp, from $12,528 to $72,184, per Vendr.
- Plans: Free at $0, Plus at $15 per user a month (20% off with annual billing), and Enterprise on a custom quote.
- Platform fee: Plus adds a platform fee based on team size; Ramp does not publish the amount, so get it in writing.
- Bill Pay fees: $0.59 per standard ACH, $1.99 per check, $15 per domestic wire and $20 per SWIFT wire, all billed monthly.
- Fee waiver: Paying bills from a Ramp Checking Account waives ACH, check, same-day ACH, wire and SWIFT fees.
- Procurement: Purchase orders, intake and three-way match are a paid add-on to Plus or Enterprise, not part of the base plan.
How much does Ramp cost?
Ramp costs $0 on Free and $15 per user a month on Plus ($12 billed annually) plus a platform fee it does not publish, and Enterprise is a custom quote. The platform fee for Ramp's corporate card, expense and spend analytics platform depends on team size, so get it in writing.
| Plan | Price | Adds | Costs extra |
|---|---|---|---|
| Free | $0/user/month | Unlimited cards, expenses, Bill Pay, basic accounting sync | Bill Pay and card FX fees |
| Plus | $15/user/month ($12 annual) | NetSuite and Sage Intacct sync, multi-entity, approval automation, custom roles | Platform fee; Procurement add-on; Bill Pay fees |
| Enterprise | Custom, billed annually | Implementation services, custom workflows, advanced entity setup, priority support | Quoted |
Who Ramp charges for on Plus
Ramp bills Plus for every active user, including Auditors, but not for pending, deactivated, Guest or accounting-firm users.
- Active users count, including users with the Auditor role
- Pending, deactivated and Guest users, and users added by an accounting firm, are not billed
- Seats added mid-term are prorated on the next statement; removing a user gives no refund
What will Ramp cost for your business?
Ramp costs a 50-200 employee business about $25,000 a year (Vendr median $24,998): $1,440 to $7,200 in Plus seats for 10-50 users plus a platform fee Ramp quotes. The Procurement add-on is quoted on top, with no published setup fee. A 25-user team on Free pays only Bill Pay fees, about $354 a year.
Three example companies
| Monthly cost | Free, 25 users | Plus, 50 users, annual | Plus, 200 users, Ramp Checking |
|---|---|---|---|
| Bill Pay fees | $30 | $233 | – |
| Plus subscription | – | $600 | $2,400 |
| Billed per year | $354 | $9,994 | $28,800 |
| Plus card FX fees, per year | None | None | $9,000 |
| Setup, one-time | No published fee | No published fee | No published fee |
- Free, 25 users: Free plan, 25 card users, 50 ACH bill payments a month from an outside bank, no wires or checks
- Plus, 50 users, annual: Plus on annual billing, 50 users, 200 ACH payments, 20 checks and 5 domestic wires a month from an outside bank
- Plus, 200 users, Ramp Checking: Plus on annual billing, 200 users, 500 ACH payments, 50 wires and 20 SWIFT wires a month paid from Ramp Checking, $25,000 a month of foreign card spend
All figures exclude Ramp's Plus platform fee, which Ramp does not publish.
Estimate your own Ramp cost
What Ramp charges on top of the subscription
Ramp charges Bill Pay fees on top, billed monthly: $0.59 per standard ACH, $10 per same-day ACH, $15 per domestic wire and $20 per SWIFT wire in USD. Checks cost $1.99, overnight checks $20 and attachment pages $1 each. The Ramp card adds a 3% fee on foreign-currency purchases.
Bill Pay fees by payment method
Ramp charges $0.59 to $20 per bill payment depending on the method, from standard ACH up to SWIFT wires, and paying from Ramp Checking waives most of them.
| Payment method | Fee | From Ramp Checking |
|---|---|---|
| Standard ACH | $0.59 | Waived |
| Same-day ACH | $10 | Waived |
| Domestic wire | $15 | Waived |
| International wire (SWIFT USD) | $20 | Waived |
| Standard check | $1.99 | Waived |
| Overnight check delivery | $20 | Still charged |
| Check attachment | $1 per page | Still charged |
| Stablecoin payment | No fee | No fee |
Card and other fees
Ramp charges nothing to issue or replace cards; the main card cost is a 3% fee on foreign-currency purchases, plus $0.65 per IRS 1099 filing.
- No fees to issue or replace cards, and unlimited virtual and physical cards
- 3% foreign transaction fee on card purchases in another currency
- 1099 filing at $0.65 per IRS filing; state filing is free
How much does Ramp ERP integration cost?
Ramp's ERP integration costs whatever plan your ERP needs: $0 on Free for QuickBooks Online and Xero, Plus for NetSuite, Sage Intacct, Acumatica and Business Central, and an Enterprise quote for Workday. Oracle Fusion Cloud and Dynamics F&O are Enterprise too, with integration setup and testing in the quote.
| Your ERP | Plan you need | What it costs |
|---|---|---|
| QuickBooks Online or Xero, one entity | Free (basic accounting sync) | $0 subscription |
| NetSuite, Sage Intacct, Acumatica or Dynamics 365 BC | Plus | $15 per user a month + platform fee |
| Several legal entities | Plus | Included in Plus; confirm the platform fee |
| Workday, Oracle Fusion Cloud or Dynamics F&O | Enterprise | Custom quote, incl. integration setup and testing |
| Custom or homegrown ERP | Enterprise | ERP extensions and custom development, quoted |
What to confirm about your ERP
Confirm which plan your ERP forces, whether extra entities raise the platform fee, and whether custom ERP work carries services fees.
- Advanced NetSuite support, custom fields, accruals and amortization start on Plus, so a NetSuite team cannot stay on Free
- Each entity can have its own billing account; ask whether more entities raise the platform fee
- Workday HRIS sync for user provisioning is listed on Plus and Enterprise
- Vendr notes that advanced NetSuite, Oracle or custom ERP work can carry extra licensing or services fees: get them as named lines
Ramp's Enterprise plan lists accounting automation for Workday and Oracle Fusion Cloud, so larger ERPs usually point to a quoted Enterprise contract.
Ramp implementation cost and setup time
Ramp charges no setup fee on Free or Plus, and one G2 reviewer reports going live in a day; Enterprise rollout is scoped in the quote. Ramp publishes no timeline of its own. Plus starts with a one-month free trial, and billing begins when it ends or on the contract date.
| Phase | Time | Cost and who pays |
|---|---|---|
| Plus free trial | One month from sign-up | $0; billing starts when the trial ends or on the contract date |
| Self-serve setup (Free or Plus) | Days; one G2 reviewer went live in a day | No published implementation fee |
| Enterprise rollout | Set in Ramp's scoping and rollout plan | Inside the Enterprise quote: integration setup, testing, training |
| Custom integrations or data migration | Scoped case by case | May add services fees (Vendr); ask for an itemized quote |
- Free and Plus: no published implementation fee
- Enterprise: implementation, training and change management are included in the quote, not billed separately
- Ask for a cap on professional services before signing if you need custom ERP work
Procurement add-on, billing and contract terms
Ramp sells Procurement as a paid add-on to Plus or Enterprise at an unpublished price, bills Plus monthly, quarterly, semi-annually or annually, and charges annual plans upfront at a discount. The add-on covers purchase orders, intake and approvals, vendor compliance reviews and three-way matching.
| Term | How Ramp handles it |
|---|---|
| Procurement add-on | Paid add-on to Plus or Enterprise; quote only |
| Billing cycles | Monthly, quarterly, semi-annual or annual |
| Annual plan | Paid upfront for the year; added seats billed monthly |
| Cancellation | Cancel any time; access runs to the end of the paid period |
| Refunds | Ramp Plus subscription fees are non-refundable |
| Cashback | Card cashback can be applied to the subscription and fee bill |
If you need requests and purchase orders before spend, price the Procurement add-on with Plus rather than adding it after rollout.
Renewal terms to check before you sign
Ramp Plus renews automatically each month, or yearly on an annual plan, and removed users are not refunded, so trim seats and give notice before the renewal date.
- Plus renews automatically on the same calendar day each month, or each year on an annual plan
- On an annual plan, seats added mid-term arrive on a separate monthly statement at your plan rate
- Removing a user gives no refund or credit, so remove inactive users before the renewal date
- With custom pricing you cannot cancel in the app; you go through a Ramp expert
- Vendr advises starting talks 60 to 90 days before your start or renewal date
What companies actually pay for Ramp
Companies pay a median of $24,998 a year for Ramp, with deals from $12,528 to $72,184 across 109 purchases, based on Vendr buyer data. Vendr reports platform fees from $0 for qualifying small businesses to more than $15,000 a month at high volume, so the platform fee, not the seat price, can decide your bill.
What buyers and reviewers report
Buyers report a median Ramp contract of $24,998 a year on Vendr, and G2 and Capterra reviewers call setup fast but flag the 3% FX fee and Plus seat price.
| Source | What they report |
|---|---|
| Vendr, 109 purchases | Median $24,998 a year; low $12,528, high $72,184 |
| Vendr, platform fee | From $0 for qualifying small businesses to $15,000+ a month at enterprise volume |
| G2 reviewer, mid-market accounting team | Plus at $15 per user a month; the 3% fee on foreign-currency card spend adds up |
| Capterra | Plus at $15 per user is at the higher end; expense-only tools start at $3 to $5 |
| G2 and Capterra reviewers | Fast setup; good value against the separate apps Ramp replaces |
Is Ramp worth the price?
Ramp is worth its price when cards and expenses are most of your spend, since the Free plan covers cards, expenses and Bill Pay at no subscription cost. Ramp Checking removes most Bill Pay fees. Once you need Plus, the platform fee and the Procurement add-on, Ramp alternatives are worth comparing.
Worth it if
- Most of your spend runs on corporate cards and reimbursements
- You can fund bills from Ramp Checking to waive payment fees
- You run QuickBooks or Xero and the Free plan covers your sync
- You want unlimited cards with no card fees
Look elsewhere if
- You need purchase orders, intake and three-way match (paid add-on)
- You pay many suppliers by wire or check from an outside bank
- You buy in foreign currency often (3% card FX fee)
- You need a price you can see before talking to sales (platform fee)
How to get a better Ramp price
Get the Plus platform fee in writing for your current and planned headcount, and ask whether it changes with entities. Then choose annual billing for 20% off, pay bills from Ramp Checking to waive ACH, check and wire fees, and price the Procurement add-on before signing, not after rollout.
Get in writing
- Platform fee at your headcount
- Platform fee at next year's headcount
- Whether entities change the fee
- Procurement add-on price
- Enterprise implementation scope
- Which fees Ramp Checking waives
Ways to pay less
- Annual billing: 20% off Plus
- Fund bills from Ramp Checking
- Move checks and wires to ACH
- Apply card cashback to the bill
- Remove inactive users before renewal
Ramp pricing vs alternatives
Ramp costs $0 on Free or $12 per user a month on annual Plus plus a platform fee; BILL starts at $49 per user a month, Tipalti at $99 a month. Zapro pricing is Spark at $699 a month, Growth at $1,999 a month and Scale on custom pricing, all with unlimited users, and your ERP or bank pays suppliers.
| Tool | Pricing model | List price (starts at) | Per-user fee | Who pays suppliers |
|---|---|---|---|---|
| Ramp | Free, then per user + platform fee | $0; Plus $15/user a month + platform fee | On Plus | Ramp |
| BILL | Per user | $49/user/month | Yes | BILL |
| Tipalti | Platform fee + transaction fees | $99/month | No | Tipalti |
| Zapro | Flat plans, unlimited users | Spark $699 / Growth $1,999 a month; Scale custom | No | Your ERP or bank |
Ramp pricing FAQs
Is Ramp free to use?
Yes. Ramp's Free plan costs $0 per user and includes unlimited cards, expense management and Bill Pay. You still pay Bill Pay fees, such as $0.59 per ACH payment, unless you pay from a Ramp Checking Account, plus 3% on foreign card purchases.
How much does Ramp cost per month?
Ramp Plus costs $15 per user a month, or $12 per user with annual billing, plus a platform fee based on team size that Ramp does not publish. A 50-person team pays $750 a month on monthly billing before the platform fee.
What is the Ramp platform fee?
It is an extra Plus charge based on team size that Ramp does not publish; Vendr reports $0 for qualifying small businesses to more than $15,000 a month for large deployments. Ramp's pricing page lists the fee but not the amount, so ask for it in writing.
Does Ramp charge for Bill Pay?
Yes, unless you pay from Ramp Checking. Standard ACH costs $0.59, a domestic wire $15, a SWIFT wire $20 and a check $1.99. Paying from a Ramp Checking Account waives these, but overnight checks and check attachments are still charged.
Can I cancel Ramp Plus?
Yes. You can cancel Plus from Ramp at any time unless you have custom pricing, and access runs to the end of the paid period. Ramp Plus subscription fees are non-refundable, and removing a user mid-term gives no refund or credit.
Is procurement included in Ramp?
No. Procurement, with automated purchase orders, intake and approval workflows and three-way match, is a paid add-on to Plus or Enterprise. Ramp does not publish its price, so include it in your quote if you need purchase orders.
Sources: Ramp pricing page; Ramp Bill Pay fees; Ramp Plus billing policy; Vendr; Capterra Ramp pricing; G2 Ramp reviews. Prices come from Ramp's own pages where published and from the third-party sources listed, labelled as such. Estimates are not quotes.
