AI finance tools , by Ramp Business Corporation , since 2019
Ramp Intelligence
AI agent layer across Ramp's card and spend platform that codes expenses, flags fraud, and matches invoices
- WEB
- MOBILE
- API
What Ramp Intelligence does
Ramp Intelligence is the AI layer built into Ramp's corporate card and spend management platform. It runs autonomous agents that auto-code transactions, run real-time fraud and policy checks, do three-way invoice/PO/receipt matching, and answer employee policy questions via chat. It also includes AI Token Spend Management to track and control company spend on AI model APIs. Built for finance teams already on Ramp for cards, bill pay, and expense management.
What you get: Autonomous expense-coding agents, Real-time fraud and anomaly detection, Three-way invoice/PO/receipt matching, Policy enforcement with auto-approval of low-risk spend, AI token/model spend tracking across providers, Slack/SMS receipt and expense capture, NetSuite, Sage Intacct, Workday, Oracle integrations.
Typical jobs: automate expense report coding for a finance team; track and cut AI/LLM API spend across vendors; flag fraudulent or duplicate invoices automatically; replace manual three-way matching in accounts payable.
Worth knowing: Enterprise pricing is not disclosed; AI agent features require the paid Plus tier or above, not the free plan.
What users complain about: Buyers are warned that multi-year contract commitments limit the ability to switch platforms if business needs change, and that renewal terms need to be negotiated carefully to avoid lock-in. (Vendr. Ramp pricing/negotiation guide)
Pricing and plan limits
Verified August 2026| Plan | Monthly | Annual (per mo) | Limits |
|---|---|---|---|
| Free | Free | Free | unlimited corporate cards, no monthly platform fee |
| Plus | $15 | $12 | per user/month plus a platform fee based on team size |
| Enterprise | not disclosed | n/a | custom, annual contract required |
Where it wins
- AI agents are bundled into a platform most finance teams already use for cards and bill pay, so no separate rollout
- Genuinely free entry tier with unlimited cards, not just a trial
- Fast-growing product surface (fraud detection, AI token spend tracking) backed by a well-funded company ($44B valuation, mid-2026)
- Deep ERP integrations (NetSuite, Sage Intacct, Workday, Oracle) on paid tiers
Where it falls short
- Full AI agent capability (auto-coding, batch payments, advanced integrations) is locked behind the paid Plus/Enterprise tiers
- Enterprise pricing isn't published, requires a sales conversation and annual contract
- Multi-year contract commitments create renewal lock-in risk if you want to switch platforms later
- AI agent features are optimized for companies already standardized on Ramp cards, not a standalone bolt-on for other card providers
How we scored it
Full methodology| Criterion | Weight | Score | Contribution |
|---|---|---|---|
| Capability | 30% | 8.5 | 2.55 |
| Value for money | 25% | 8.0 | 2.00 |
| Ease of use | 15% | 8.0 | 1.20 |
| Maturity | 15% | 8.5 | 1.27 |
| Support & docs | 10% | 8.0 | 0.80 |
| Momentum | 5% | 9.0 | 0.45 |
| Weighted total | 100% | 8.3 | 8.30 |
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Chosen by editors, not sponsors
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