Security & Compliance
Security and privacy are top priorities.
Security Features
Certifications
- ISO 27001
- PCI DSS
- SOC 1 Type II
- SOC 2 Type II
- SOC 2
Data & Hosting
Data residency
US
Hosting
Secure logins with SSO/SAML/SCIM across plans. Audit log on Plus/Enterprise. MFA documented in support center. Certifications listed on Trust Center. Data handling/retention policies referenced on integration pages.
Retention & deletion
Ramp retains personal information for as long as it has a business or operational purpose for doing so. Legal or regulatory obligations may require retention after a Ramp account is closed or a deletion request is made. Once the applicable retention period ends, the information is deleted or de-identified.
GDPR/DPA not explicitly claimed on cited Ramp Business pages. Certifications and compliance posture detailed via Trust Center.
Feature Scope
- Corporate Cards: Corporate liability charge card with 20x higher limits; unlimited physical/virtual cards; granular issuing, category, and vendor controls; proactive policy controls including auto-locking cards when receipts or items are missing (Plus/Enterprise).
- Travel & Expense: In-app travel booking (flights, hotels, cars); custom travel policies by role/department/location; guest bookings with budgets; complete expenses and ask policy questions via SMS or Slack; automatic receipt collection/matching; expense alerts/flags (itemized receipts, alcohol/weekend flags); bulk and batched reimbursements; Sunshine Act support (Plus/Enterprise).
- Accounts Payable: AI-powered OCR invoice capture; configurable approval workflows and routing; automated fraud checks; pay by ACH, card, check, wire; automated batch payments (Plus/Ent); payment release approvals (Plus/Ent); line-item auto-coding and splits (Plus/Ent); three-way match with POs and item receipts; import bills from ERP; mobile approvals; tax management incl. W-8 uploads; 1099 filing ($0.65 per IRS filing, free state filing).
- Procurement (add-on for Plus/Enterprise): Advanced intake and approval workflows; integrations with CLM, TPRM, and ticketing tools; vendor onboarding with custom forms; PO management; card-to-PO matching; AI-driven vendor compliance reviews; three-way match with Ramp POs.
- Treasury: Business account with no fees, minimums, or transfer caps; free same-day ACH and domestic/international wires via Bill Pay; FDIC-insured business account via partner bank; optional investment account to earn yield. Disclosures on partnered banks and investment risk provided. (https://ramp.com/pricing, https://ramp.com)
- Accounting Automation: Basic and advanced accounting rules; AI coding for every field (Plus/Ent); custom fields; automated accruals, amortization, and reconciliation (Plus/Ent); auto-approvals for routine recurring spend (Plus/Ent).
- Global Coverage: Pay global vendors in USD or local currency; global reimbursements funded in USD and paid locally; local currency reimbursements and payments (Plus/Ent); issue limits and spend programs in local currencies (Plus/Ent); local currency card issuing in 40+ countries (Enterprise).
- Budgets & Reporting: AI-generated reports; custom report builder (Plus/Ent); real-time plan vs. actuals with Ramp Budgets (Plus/Ent); share live reports and schedule exports (Plus/Ent).
- Vendor Management: Automated vendor tracking, contract extraction, and price intelligence.
- User & Org Management: Secure logins with SCIM, SSO, and SAML; custom user roles; multi-entity visibility restrictions; audit log (Plus/Ent).
- Integrations: 200+ integrations including ERPs/accounting (QuickBooks Online, Xero, NetSuite, Sage Intacct, Acumatica, Microsoft Dynamics 365 Business Central; Enterprise: Workday, Oracle Fusion Cloud, Microsoft Dynamics F&O), HRIS (Workday), and travel/receipt tools (Egencia, Corporate Traveler, American Airlines). Bi-directional sync for vendors and vendor bills with item receipts (Xero). Relay.app UCSV for automation across 100+ apps. (https://ramp.com/pricing, https://ramp.com/integrations/xero, https://ramp.com/integrations/relay-app)
- Security & Compliance Highlights: Secure SSO/SAML/SCIM; Ramp’s trust center lists ISO 27001, PCI DSS, and SOC 1 & 2 Type II certifications; data handling/retention policies disclosed on integration pages. Sunshine Act/Open Payments reporting via MedPro Systems integration. (https://trust.ramp.com/, https://ramp.com/integrations/medpro-systems, https://ramp.com/integrations/xero)
- API: Public API and docs referenced for real-time sync and automation. (API docs linked sitewide; see pricing and integrations pages)
Pricing hints: Tiered per-user SaaS with platform fees at higher tiers: Free plan at $0/mo/user; Plus at $15/mo/user + platform fee based on team size (save 20% annually); Enterprise custom with annual billing. Add-ons: Procurement available for Plus/Enterprise. 1099 filings at $0.65 per IRS filing (free state filings). Treasury accounts advertise no fees/minimums/transfer caps; free same-day ACH and wires via Bill Pay. Plus can be paid by ACH or Ramp card rewards.
Security hints: User authentication and provisioning: SCIM, SSO, SAML (all plans). Audit log (Plus/Enterprise). AP fraud checks automated. Ramp Trust Center lists certifications: ISO 27001, PCI DSS, SOC 1 & 2 Type II. Security site: trust.ramp.com. Integration pages outline data sharing and retention policies. (https://ramp.com/pricing, https://trust.ramp.com/, https://ramp.com/integrations/xero, https://ramp.com/integrations/medpro-systems)
Compliance hints: Certifications: ISO 27001, SOC 1 & 2 Type II, PCI DSS (per trust.ramp.com on integration pages). Regulatory/filing features: 1099 NEC/MISC filing, W-8 uploads. Industry compliance support: Sunshine Act/Open Payments via MedPro Systems integration for aggregate spend reporting. (https://ramp.com/integrations/medpro-systems, https://ramp.com/integrations/xero, https://trust.ramp.com/)
Implementation hints: Quoted fast time-to-value: Connect ERP in ~5 minutes; upload policy in ~2 minutes; issue a card in ~1 minute (Day 0). By Day 5: connect HRIS, email, 200+ apps; set approvals; issue employee cards. By Day 30: migrate 100% spend; 8.5x faster intake-to-pay; 75% faster close. Enterprise includes implementation services: custom scoping/rollout, integration setup and validation testing, employee training and change management. (https://ramp.com, https://ramp.com/pricing)
Support hints: Help center and instant 24/7 AI assistance; chat, email, and phone support available across plans. Travel bookings receive 24/7 phone support on Plus/Enterprise. Enterprise offers dedicated account and customer success manager and priority 24/7 global support; custom support for Enterprise.
Integration hints: 200+ integrations. Accounting/ERP: QuickBooks Online, Xero (bi-directional vendors and vendor bills with item receipts), NetSuite, Sage Intacct, Acumatica, Microsoft Dynamics 365 Business Central; Enterprise: Workday Financial Management, Oracle Fusion Cloud, Microsoft Dynamics F&O. HRIS: Workday (with continuous sync on Plus/Ent). Travel/receipts: Egencia, Corporate Traveler, American Airlines. Automation: Relay.app via Universal CSV. Ramp API for real-time sync of transactions, reimbursements, payments, cashback, vendor bills and credits. (https://ramp.com/pricing, https://ramp.com/integrations/xero, https://ramp.com/integrations/relay-app)
- Real-time visibility across cards, bills, reimbursements: See spend as it happens and drill into each transaction with full context to take action immediately (alerts, approvals, vendor, policy) (ramp.com/reporting, ramp.com/real-time-reporting)
- Proactive alerts and insights: Identify compliance issues and repeat offenders; receive instant notifications to address large or anomalous charges (e.g., via Slack) (ramp.com/reporting, ramp.com/integrations/slack)
- Bottleneck detection: Surface slow approvals and last‑minute reimbursements to keep monthly close on track (ramp.com/reporting)
- Excel connectivity: Instantly import and refresh data to power pivot tables, what‑if scenarios, and up‑to‑date forecasts—no manual CSVs (ramp.com/reporting)
- Data warehouse integrations: Send Ramp data to Snowflake, BigQuery, or Redshift to unify analysis with the rest of your BI stack (ramp.com/reporting)
- Slack integration: Approve requests, receive proactive spend alerts, and stream company‑wide transactions from Slack (ramp.com/integrations/slack)
- Accounting integrations: Sync transactions, reimbursements, vendor bills and payments with systems like Xero (real‑time API sync, bi‑directional vendors/bills), plus other major ERPs (ramp.com/integrations/xero)
- API access: Use Ramp’s Developer API to programmatically access transactions and reporting data; used by partners like MedPro for secure data sharing (ramp.com/blog/ramp-medpro-partnership)
- Life sciences compliance workflows: Built‑in Sunshine Act support; enrich and validate HCP/HCO data through MedPro Systems for accurate CMS/state transparency reports (available on Ramp Plus) (ramp.com/blog/ramp-medpro-partnership)
- Security controls for access: Okta SSO and SCIM provisioning; SAML SSO; MFA; least‑privilege access and audit logging; encryption in transit and at rest; tokenization for card data; ongoing pen‑testing and WAF/DDoS protections (ramp.com/integrations/okta)
- Compliance credentials: SOC 1 & 2 Type II, ISO 27001; PCI DSS noted on integration pages; see trust.ramp.com for current list (ramp.com/integrations/xero, ramp.com/integrations/slack, trust.ramp.com link referenced on those pages)
Pricing hints: Site emphasizes “Get started for free.” Many integrations (e.g., Xero, Slack) show Ramp plan required: Free. MedPro Systems transparency reporting integration is available to Ramp Plus customers, indicating a paid tier for advanced compliance features. Sources: ramp.com/reporting; ramp.com/integrations/xero; ramp.com/integrations/slack; ramp.com/blog/ramp-medpro-partnership.
Security hints: SSO via Okta and SAML; MFA required; encryption in transit (HTTPS) and at rest (AES‑256); tokenization of card/CVV; least‑privilege and audit logging; automated and periodic pen‑testing; WAF/DDoS protections; external SOC 2 audits. Integration pages list ISO 27001, PCI DSS, SOC 1 & 2 Type II; trust page referenced for current certifications. Sources: ramp.com/integrations/okta; ramp.com/integrations/xero; ramp.com/integrations/slack.
Compliance hints: SOC 1 & SOC 2 Type II and ISO 27001 mentioned on integration pages; PCI DSS referenced. Sunshine Act/CMS Open Payments transparency reporting workflows supported and enhanced via MedPro Systems. Sources: ramp.com/integrations/xero; ramp.com/integrations/slack; ramp.com/blog/ramp-medpro-partnership.
Implementation hints: Marketing claims 'Integrate in seconds' for data warehouse connectors and 'Instantly import and refresh' for Excel—suggesting rapid setup. Okta SSO and SCIM can be toggled/configured quickly. MedPro integration uses secure API credentials to automate data sharing. No formal timeline or migration/onboarding SLAs cited. Sources: ramp.com/reporting; ramp.com/integrations/okta; ramp.com/blog/ramp-medpro-partnership.
Support hints: Help Center is available; integration listings provide a support email contact. Sources: ramp.com/integrations/xero; ramp.com/integrations/slack; ramp.com/reporting.
Integration hints: Highlighted: Slack (approvals/alerts), Excel data refresh, Snowflake, BigQuery, Redshift (warehouse connectors), accounting/ERP (Xero; plus ecosystem shows NetSuite, QuickBooks, Sage Intacct, Microsoft Dynamics, Oracle), Okta (SSO/SCIM), MedPro Systems (life sciences transparency reporting via API). Developer API available for data access. Sources: ramp.com/reporting; ramp.com/integrations/slack; ramp.com/integrations/xero; ramp.com/integrations/okta; ramp.com/blog/ramp-medpro-partnership.
Features at a Glance
Analytics
- Dashboards
- Custom reports
Data & API
- Data export
- API
Integrations
- Okta integration
- Slack integration
- MS Teams integration
- Azure AD integration
Mobile
- iOS/Android app
- Responsive UI
Administration
- Custom fields
- Audit trail
Security & IT
- SSO/SAML
- SCIM
- MFA
- RBAC
- Audit logs
- Data residency region
Core HR
- Multi-entity
- Workflows
- Roles & permissions
Compliance
- ISO 27001
- SOC 2
- DPA available
Pricing Model
Per user
Free: $0 per month per user. Plus: $15 per month per user plus a platform fee based on team size; Ramp states a 20% saving with annual billing. Enterprise: custom pricing with annual billing. Procurement is available as an add-on to Plus and Enterprise. A 1099 filing costs $0.65 per IRS filing; state filings are free.
Implementation
Onboarding resources and step-by-step playbooks available. Dedicated onboarding specialist across plans.
Support
Cat · Email · Phone
Time zones: Global, 24/7
Instant 24/7 AI help for any Ramp question or task across plans.
Integrations
NetSuite
Accounting/ERPSync transactions, reimbursements, vendor bills, credits, and payments; field mapping and rules supported.
Sage Intacct
Accounting/ERPPrebuilt accounting integration.
QuickBooks Online
AccountingPrebuilt accounting integration.
Microsoft Dynamics 365 Business Central
Accounting/ERPPrebuilt accounting integration.
Microsoft Dynamics 365 Finance (F&O)
Accounting/ERPPrebuilt accounting integration.
Xero
AccountingReal-time sync of accounting fields, transactions, reimbursements, payments, cashback, vendor bills, bill payments and credits via Ramp API; bi-directional sync for vendors and vendor bills with imported item receipts.
Workday Financial Management
Accounting/ERPPrebuilt accounting integration.
Acumatica
Accounting/ERPPrebuilt accounting integration.
Oracle Fusion Cloud
Accounting/ERPPrebuilt accounting integration.
Zoho Books
AccountingPrebuilt accounting integration.
Slack
Productivity/ApprovalsRequest spend and approve within Slack; opt-in proactive alerts; stream company-wide transactions.
Okta
SSO/IdentitySAML SSO; SCIM provisioning for automated onboarding, updates, and deactivations.
Google Workspace (SSO)
SSO/IdentitySSO via Google indicated on security pages.
Pilot
Accounting automationBuild rules to automate coding, approvals, and transaction reviews; import fields from Ramp; sync transactions to books in real time.
Amazon Business
Procurement/ReceiptsReceipt automation and vendor data capture.
American Airlines AAdvantage Business
TravelTravel program integration.
Egencia
TravelCorporate travel booking integration.
Corporate Traveler
TravelCorporate travel program integration.
DoorDash
Receipts/OtherReceipt automation/support for merchant data.
Ramp API
APIPublic API used for real-time accounting syncs and programmatic integrations.
Microsoft Excel
OtherInstant import and refresh of reporting data for pivots/scenarios
Snowflake
OtherData warehouse connector for unified analysis
Google BigQuery
OtherData warehouse connector for unified analysis
Amazon Redshift
OtherData warehouse connector for unified analysis
Microsoft Dynamics 365
OtherERP integration (ecosystem listing)
Oracle (Oracle Fusion Cloud/NetSuite ecosystem)
OtherERP integration (ecosystem listing)
SAML 2.0 (generic IdPs)
SSOSAML-based SSO support
MedPro Systems
OtherLife sciences compliance; HCP/HCO validation; Sunshine Act reporting (Ramp Plus)
Ramp Developer API
APIProgrammatic access to transactions and reporting data; used by partners like MedPro
