What Ramp Intelligence does
Ramp Intelligence is the AI layer across Ramp's corporate card and finance platform for policy review, receipt matching, coding, fraud signals, procurement, reporting, and savings.
Ramp Intelligence is not a standalone chatbot; it is the AI layer across Ramp cards, expense management, bill pay, procurement, vendor management, accounting, reporting, and savings products. Policy Agent interprets a written expense policy and cites the rule behind an approval, review, or rejection recommendation. Other capabilities match receipts, transcribe invoices, suggest accounting codes, detect duplicate or suspicious bills, perform two- or three-way matching, surface contract terms, benchmark vendor prices, and answer spend questions. The advantage is direct access to transaction context and configured controls.
Ramp's core card and expense software is free with unlimited users and cards, subject to business eligibility and financial-product terms. Ramp Plus, Policy Agent, advanced ERP connections, procure-to-pay, multi-entity, multi-currency, and advanced approvals require paid packaging or a quote. Bill Pay pricing varies by rail: standard ACH is $0.59 and standard check $1.99 effective June 1, 2026, while same-day ACH, domestic wires, international wires, overnight checks, and attachments have separate fees. Some eligible fees are waived when paid from Ramp Checking.
A policy agent can apply a badly written rule consistently, and fraud detection can miss a sophisticated scheme or incorrectly block legitimate spend. Vendor benchmarks are aggregated observations, not guaranteed market prices, and contract analysis remains an alpha feature. Ramp says no money moves without human confirmation and Policy Agent begins in review-only mode, but administrators choose later automation. Preserve independent vendor-bank verification, dual approval, payment limits, reconciliations, audit logs, and ERP change control. Review AI providers and trust documentation before exposing contracts, identity logs, banking, or employee spending data.
How Ramp Intelligence works
Ramp captures card, reimbursement, invoice, purchase, contract, receipt, and accounting context inside configured policies and workflows. Specialized agents match documents, recommend coding, apply policy, identify anomalies, answer questions, or prepare approvals. Low-risk actions may be automated after configuration, ambiguous or risky items escalate, and a human confirms payment or other consequential financial movement.
Encode spend and payment controls
Configure entities, cards, categories, receipts, limits, approval routes, POs, receiving, vendors, payment rails, and ERP mappings. Written policy quality determines what agents can apply consistently.
Match context and identify risk
Ramp agents combine transactions, invoices, receipts, contracts, purchase orders, and policy text to recommend coding, compliance, matching, fraud flags, or savings opportunities, with cited context where supported.
Separate routine work from exceptions
Low-risk items can follow configured automation after review-mode testing. Ambiguous, high-value, suspicious, unmatched, or out-of-policy items route to accountable humans rather than being forced through.
Confirm money and reconcile records
A human confirms payments and material approvals under dual controls. Finance independently verifies bank changes, reconciles Ramp with ERP and bank statements, and audits agent actions and overrides.
How to set up Ramp Intelligence
Map spend and payment controls
Document entities, cards, reimbursements, invoices, procurement, policies, approval thresholds, payment rails, ERP ownership, fraud response, and segregation of duties.
Confirm eligibility and full pricing
Review core financial terms, Ramp Plus quote, Bill Pay rail fees, FX, card, checking, travel, procurement, integrations, support, and implementation requirements.
Connect systems under least privilege
Configure SSO and roles, approved bank accounts, cards, ERP, HRIS, and vendor data; independently verify vendor banking changes outside email.
Run agents in review mode
Test policy citations, receipt matching, coding, duplicates, PO matching, exceptions, refunds, credits, and adversarial invoices before allowing any low-risk automation.
Operate with finance oversight
Require human payment confirmation and exception approval, reconcile ERP and bank records, audit model actions, sample approvals, and disable workflows when error thresholds fail.
Ramp Intelligence FAQs
Is Ramp free?
Ramp says its core card and expense-management software is free. Paid Plus capabilities, payment-rail fees, travel, FX, financial eligibility, and other services can affect total cost.
How much does Ramp Bill Pay cost?
Standard ACH is currently $0.59 and standard check $1.99 per transaction, with higher fees for expedited and wire methods. Eligible Checking-funded payments may waive some fees.
What does Policy Agent do?
It interprets written expense policy and transaction context, cites relevant rules, and recommends approval, review, or rejection. It is available on Ramp Plus.
Can Ramp AI move money autonomously?
Ramp states that money never moves without human confirmation. Organizations should also require dual controls, independent bank-detail verification, and reconciliation.
Are AI recommendations always correct?
No. Missing documents, unclear policy, unusual merchants, fraud, credits, contracts, and accounting context can produce errors. Reviewers retain final authority.
Listing reviewed 2026-07-15. Product details and pricing can change; verify important terms on the provider's website.
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