Ramp

Ramp combines corporate credit cards with AI-powered expense management, bill payments, and accounting automation. The AI automatically categorizes transactions, detects duplicate subscriptions, identifies price increases, and suggests cost-saving opportunities based on your company's spending patterns. The platform replaces traditional expense reports — transactions are automatically matched to receipts, coded to the right accounting categories, and synced to your accounting software. The savings insights are genuinely useful, with companies reporting average savings of 5% on software and services spending. Ramp is free — the company makes money from interchange fees on card transactions, so there is no monthly cost. It integrates with QuickBooks, NetSuite, Xero, Sage, and other accounting platforms. For startups and growing companies that want financial visibility without the overhead of enterprise procurement tools, Ramp delivers impressive value for zero cost.