--- title: "Ramp Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Ramp the right Expense Report solution for you? Explore 223 verified user reviews from people in industries like yours to make a confident choice." source_url: "https://www.capterra.com/p/207081/Ramp/reviews/" page_type: "reviews" language: "en" publication_date: "2026-09-29" --- Ramp 4.9 (223) [View alternatives](https://www.capterra.com/p/207081/Ramp/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated September 29th, 2026 # Reviews of Ramp Ease of use 4.9 Customer Service 4.6 ## Pros and Cons in Reviews James L Director of FinanceComputer Software, 11 - 50 employeesUsed the software for: Less than 6 months. “They have more logical functions as far as integrations and reporting than their competitors, the speed to vendor payment is swift, and they charge in a logical fashion, not some of the inflated rates of other players in the market.“ December 12, 2025 EG Emily G Finance CoordinatorLegal Services, 11 - 50 employeesUsed the software for: 6-12 months. “I am only a vendor on the platform and do not need the service for more than that, but I am constantly reached out to by different sales members trying to get us to upgrade to the full version. When I entertain their calls and let them know what we are looking for in a payment tracking platform they let me know Ramp is not a good fit.“ August 31, 2026 Eri D FounderAccounting, 2 - 10 employeesUsed the software for: 6-12 months. “Cards were issued and the spend limits were established on the very first day, and all employees quickly managed to navigate through the application with no issues whatsoever.“ May 17, 2026 Michael C VP MarketingComputer Software, 51 - 200 employeesUsed the software for: Less than 6 months. “Most of what Ramp does is not built into most business banking accounts so it doesn't really provide much that we don't get with American Express Business account“ July 6, 2026 Eri D FounderAccounting, 2 - 10 employeesUsed the software for: 6-12 months. “Regarding security concerns, I find granular control over the card settings useful as it helps to prevent mistakes in advance.“ May 17, 2026 SK Sarah K People Ops ManagerComputer Software, 201 - 500 employeesUsed the software for: 1-2 years. “Previously, we were issuing physical credit cards from our bank, which made it challenging to get those back or enforce approvals on purchases.“ July 17, 2025 MB Mat B Senior EngineerE-Learning, 51 - 200 employeesUsed the software for: 1-2 years. “It makes the experience very easy and has multiple ways to send receipts and an easy pipeline for the company to give stipends.“ September 16, 2026 CE Charles E Vice President, Equipment AnalyticsOil & Energy, 201 - 500 employeesUsed the software for: 6-12 months. “It is not fully integrated into our SAP system requiring additional work on our end to transfer work order numbers and service order tracking.“ November 10, 2023 ## Showing most helpful reviews Showing 1-25 of 223 available reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Scott N. Chief Sales Officer Used the software for: 1-3 years ### "My experience using Ramp. Overall it works great." October 13, 2026 5.0 It addresses an issue that many small companies experience: One individual who uses the corporate credit card and keeps track of receipts in a big ol’ pile with no clue what anyone else has been spending money on until the books close. Now each card comes pre-budgeted and categorized prior to being swiped so the person expensing doesn’t have to receive another lecture from finance; the card simply declines the purchase. Pros I like that the limits are built directly into the cards. So I buy something I shouldn’t be using company funds for, then either my purchase will decline at checkout (so I know immediately) OR go to my manager. It’s better than waiting 2 weeks for someone to tell me I should have known better. That’s probably 20 seconds and I’m still standing in the parking lot. Also the part where it is a Visa card and does NOT require a personal guarantee was why my boss agreed to sign off on it. Cons I tried to book a round trip ticket with two layovers and it wouldn’t do that. And I had issues with a couple of hotel bookings that ultimately made me give up and book them myself and then submit them afterwards (which defeats the whole purpose). Support is the other; bot-based first. Took me 3 days to get a live person about a charge I didn’t recognize. And once I finally got one, they were helpful, but getting there was a long process. Per-user pricing on the paid version means that we have seasonal employees that hardly ever use it, and they’re counted anyway. Review Source Mat B. Senior Engineer Used the software for: 1-3 years ### "An Incredible Useful Accounting Tool for Any Company" September 17, 2026 5.0 I use Ramp a few times a month to submit receipts to finance. It makes the experience very easy and has multiple ways to send receipts and an easy pipeline for the company to give stipends. Pros It's very easy to submit receipts to accounting and manage my own credit card for work-related expenses. I really like the fact that I don't even need to carry a card around with me, and I can freely spend money I need for work, such as app subscriptions like Claude and Whispr Flow, buying books with my educational stipend, etc. Cons There isn't much not to like. I can't think of anything I dislike about it. I find the browser plugin very useful, but I like going to the app directly. Review Source R Reviewer Finance Coordinator Used the software for: Less than 1 year ### "Super easy to use as a vendor" September 1, 2026 5.0 Pros It has been super easy to use and navigate the program as a Vendor on the platform. I am notified as soon as a customer creates a payment for an invoice and it shows me a timeline of when to expect payment and how. Cons I am only a vendor on the platform and do not need the service for more than that, but I am constantly reached out to by different sales members trying to get us to upgrade to the full version. When I entertain their calls and let them know what we are looking for in a payment tracking platform they let me know Ramp is not a good fit. Review Source JT Jeana T. Executive Director Used the software for: Less than 1 year ### "5 Stars for Ramp" July 24, 2026 5.0 I used to dread submitting expenses in the old system my company used. Now it is so easy and I can get them taken of quickly. Ramp is wonderful. Pros It is SO easy compared to what we were using before. I can submit an expense immediately. The more I use it, the better it gets at learning what categories I typically expense things to and suggests them to me. Cons I truly don’t have any complaint about Ramp. It has made expense reporting easy and seamless. There is nothing I like the least. Review Source R Reviewer Assistant Project Manager Used the software for: 3-5 years ### "Ramp saves time in accounting and makes employees happy" July 22, 2026 5.0 Simplifies accounting. Furthermore, receipts are digitized directly through scanning or photography. The intuitive app allows users to scan receipts immediately, eliminating the need to search for them later or postpone filling out forms. Pros The platform is incredibly easy to use, and you quickly grasp all the important functions and processes. The interface is very clear and user-friendly. Adding colleagues and ordering cards is very straightforward and all processes are quite fast. It has revolutionized our expense management. The ability to monitor expenses for each employee and set spending limits is also invaluable. Cons Ramp was one of the first things we tackled in accounting. By bundling our software subscriptions and using the app via Ramp, we save a lot of work in month-end closing and also in managing these things. Review Source Verified Reviewer VP Marketing Used the software for: Less than 1 year ### "Unnecessary business tool" July 6, 2026 3.0 Pros Ramp is a cool tool for credit card and bill management. It's easy to use and helped streamline basic bookkeeping Cons Most of what Ramp does is not built into most business banking accounts so it doesn't really provide much that we don't get with American Express Business account Review Source Eri D. Founder Used the software for: Less than 1 year ### "Solid spend management with excellent accounting integration and easy onboarding" May 21, 2026 5.0 Ramp has been serving our company's financial needs for 6 months. The system has eliminated the need for Excel files for tracking spends and performing all necessary reconciliation procedures. Its main benefits include reduced time required for closing monthly balance and absence of need for controlling expenses because of set limits. Overall, it offers good value in terms of costs compared to the combination of apps it substitutes. I recommend it to everyone dealing with the same problems. Pros The onboarding process went much smoother than anticipated. Cards were issued and the spend limits were established on the very first day, and all employees quickly managed to navigate through the application with no issues whatsoever. Accounting integration takes care of almost all duties I had to fulfill manually in the past – it adds transactions to the ledger with the appropriate categorization and receipts included, saving time on closing month-end balance considerably. It is great how easy it is to manage invoices – once entered, they undergo automatic routing and are paid out without me having to chase people down via email messages. The user interface is intuitive and keeps frequently performed actions easily accessible; moreover, being a web-based product, it works on both my phone and PC without requiring installation. Regarding security concerns, I find granular control over the card settings useful as it helps to prevent mistakes in advance. Cons While accounting integration made my life easier, there were several challenges related to category mapping to be solved beforehand, and you might have to put extra effort into making it work in case your chart of accounts is specific. Some reporting options that go beyond the basics cannot be customized sufficiently to suit your needs, and sometimes it is necessary to export data into an external tool to analyze it further. There are no serious drawbacks yet, although I would suggest managing expectations to see that it is a fairly long and tedious process of setup despite what marketing says. Review Source Michelle S. Developer Used the software for: 3-5 years ### "Would highly recommend to any company" March 25, 2026 5.0 Pros The UI for any user is very simple and clear on the application. IT is very easy to upload a receipt as you can also just text the receipt or email it. The notifications are not overbearing from the application. They are able to provide a virtual card for spending on corporate accounts. Cons Nothing I can think of. They could provide reminders of remaining amount unused for spending limits such as the culture team. Review Source Sonny S. ap Used the software for: I used a free trial ### "Ramp review " March 11, 2026 3.0 Pros What I like most about Ramp now is it's user interface. It's appearance is very clean and smooth and esay to use Cons What I least like about ramp now is it's integrations and it's high pricing compared to the competition Review Source R Reviewer Owner Used the software for: Less than 1 year ### "Ramp saves time..." February 18, 2026 4.0 I've had a good overall experience with Ramp. It's easy to use and saves a lot of time. Customer support isn't that great though. They are slow to respond. Pros What I like most about Ramp is how it matches the receipt and categorizes it as soon as a transaction posts. Cons What I like least about Ramp is that your balance is based on your bank account and can down suddenly. Review Source R Reviewer Finance Director & Dinner Groups Director Used the software for: Less than 1 year ### "Simplified Expense Management" April 8, 2021 5.0 We have been very pleased with Ramp. They have lived up to their claims they make on the website. I love that they listen to their customers. They have been very responsive to our needs. It brings me joy knowing that our employees love using it because it means receipts are being turned in on time. Pros It's an all-in-one expense management system. Before using Ramp, we used American Express and Zoho. It's been great having everything in one house now. Our team loves that they received instant text messages and or emails when a purchased has been made. Being able to create virtual cards in an instant has been great. We also love how simple reimbursements have been using Ramp. The slack integration is good, and I have no doubt will improve. They've been very responsive to missing features. Cons I would love to see some more features around delegation. Allowing others (like administrative assistants) fill out their receipts on their behalf without giving them full access to the users account. Review Source Erin H. COO Used the software for: 1-3 years ### "Great UI, saves lots of time for our small team" April 1, 2025 5.0 Ramp has been great for our small business. Our team is geographically dispersed, but Ramp makes it easy to collaborate on bookkeeping, expense reimbursements, and basic expense reporting. Pros Ramp is easy to use, it integrates well with our internal workflows, and with external systems. Cons I wish the invoice and receipt email capture system worked with more file types. Review Source R Reviewer Office Manager Used the software for: Less than 1 year ### "Ramp Review" May 30, 2025 3.0 Large companys use this application to help them streamline their business operations. Applications and companies like Ramp help businesses focus on their more important operations. Pros Quick delivery of incoming payments and notification is always ahead of schedule. Very interactive employees and that is always appreciated! Cons The sales employees can be a little persistent in regards to utilizing more of the application. Just not as interested in using it for more. Review Source Stacey W. Accounting Manager Used the software for: Less than 1 year ### "Great user friendly platform" October 16, 2025 4.0 Overall the system is a great layout, saves us a great deal of time with accounting record keeping and helps with responsibility of users. Pros Ramp is very user friendly and does not need a great deal of training before getting up and running. Cons The user account details and permissions were the one confusing part we ran into with setup. Mostly no issues to date. Review Source R Reviewer Accounting Manager Used the software for: 1-3 years ### "Top Notch Programming if you have QUICKBOOKS!" July 29, 2025 5.0 I love Ramp - wouldn't work our Accounting Team with anything else at this point. Time saving in AP for sure. Pros Ramp is a great way to manage all your credit card transaction in one place as well as have Bill Pay to pay all your bills. You can have invoices emailed right into Ramp saving to time not having to enter each bill individually. Easy to learn - they provide training - it's secure with credit card transactions and they help with any issues. If you have QuickBooks the program is Free, so the value is more than perfect! It sync's with QuickBooks so Accounting is super simple, and the number of users for user interface is not charged either as long as you are syncing with QuickBooks. Its features are above and beyond any other program I looked into. Cons Sometimes it's hard to get tech support to respond as Quickly as I would like - but I am not super patient person when it comes to issues that do come up, but response time is usually within 24 hours. Review Source Eric T. Director, Digital Transformation Used the software for: 1-3 years ### "RAMP: Better Than AMEX" June 13, 2025 5.0 We switched from AMEX to RAMP. This has simplified our processes and increased usability for end-users. Pros Ramp is super easy to use and very intuitive. The ability to submit expenses via email and SMS has eliminated the need for tracking, keeping and trying to keep track of receipts. Cons RAMP is clearly trying to innovate and remain ahead of the curve. The most recent update to the website has overcomplicated the end user experience. Review Source Sarah K. People Ops Manager Used the software for: 1-3 years ### "Great for remote companies with lots of use cases" July 21, 2025 5.0 Using Ramp has really allowed us to expand who has access to corporate cards and what their use cases and limits are. Previously, we were issuing physical credit cards from our bank, which made it challenging to get those back or enforce approvals on purchases. Ramp has made it really easy for us to customize and streamline credit card access internally. Pros The highlight of Ramp is the ability to issue digital credit cards with varying limits, which empowers our fully remote organization and also makes it easy to issue and rescind cards for new hires or departing employees. Additionally, the receipt submission flow makes it easy for purchases to get reviewed and approved as needed. Cons Honestly, at this point, there's nothing that I like least about Ramp. Our organization has turned off the Gmail auto scan integration, which adds an extra step for receipt submission, but that's an internal complaint :) Review Source Harrison C. CEO Used the software for: 1-3 years ### "Ramp - Great Offerings, Amazing Value," May 26, 2025 5.0 The overall experience has been tremendous. Fantastic customer support, amazing solutions that accelerate accounting processes, providing invaluable insights into our expenses / payables so we can best forecast our expenses and create value in what we actually do. Pros The UI is outstanding and has tremendously helped my firm track and analyze our expenses and payables to better forecast and plan budgets. Also, the integrations are fantastic and make reporting and automating the accounting process a seamless experience that has allowed people to free up time and create value elsewhere. Cons There are not really any cons to Ramp. It is awesome to see a start-up like Ramp take market share and offer a product that the marketplace needed. There were lots of antiquated offerings, but nothing that met the needs of a 21st Century scaling business. Review Source R Reviewer People and Talent Lead Used the software for: 3-5 years ### "Does exactly what it needs to" May 6, 2025 5.0 Pros Ease of use, ability to set up multiple cards/spend and track payments and limits on use. Receipt and transaction verification is simple. Reimbursements and expenses are simple. Integrates with slack and can set up text notifications and send receipts through text. Cons There is nothing I can think of that I do not like about Ramp. Review Source R Reviewer CFO Used the software for: Less than 1 year ### "Excellent product, best automated AP solution out there!" October 30, 2023 5.0 Overall experience is extremely positive. I've looked a long time to find this solution and am grateful Ramp put it all together. Pros I love that I can have all my expense management tool in one place. I also love that the platform is automated to read invoices. Ramp is aslo free plus they pay the company 1.5% on all credit card purchases. Win, win, win. Cons I'm quite happy with all of the services and don't see something I like least. Review Source R Reviewer Director of Administration Used the software for: Less than 1 year ### "Glad We Made The Switch" November 15, 2023 5.0 We have had a very positive experience with Ramp from the start. The implementation team was helpful, organized and made things easy. It has streamlined our acct dept and united all of our departments into one cohesive team. Pros Ease of use. Its organized and simple to learn. Cons There really isnt anything negative yet that weve experienced with RAMP. Review Source R Reviewer Art Director Used the software for: 3-5 years ### "If someone complains about Ramp, they are probably being paid by a competitor." November 15, 2023 5.0 At our company, Ramp replaced the incredibly convoluted Concur system so the expectations were low and Ramp blew them out of the water. With Concur, each expense was a 30-90 second process. Using Ramp I can process all 25 of my expenses in 3 minutes. Pros It is so quick to track expenses and capture receipts. Cons I'm not sure if it is a company option that has been overlooked, but when requesting reimbursement for mileage, I'm required to provide a receipt. That doesn't make sense. I'm having Ramp calculate my mileage so there is no receipt. Review Source R Reviewer Global Controller Used the software for: Less than 1 year ### "My favorite software product" November 16, 2023 5.0 Absolutely love how user-friendly Ramp is. Saves time, money and overall my favorite accounting product. Pros It was extremely easy to set up, link to our existing GL (Netsuite), and learn to navigate. We had an option to try it out Cons Not being able to enter banking instructions under out of pocket reimbursements on behalf of the employees. Review Source pW peiji W. Assistant Controller Used the software for: 1-3 years ### "Ramp Review" March 10, 2025 5.0 Ramp saved us a lot of time to track credit card receipts. Pros Very easy to capture receipts and expenses. Cons So far we do not have any complains about Ramp Review Source R Reviewer Medical director Used the software for: Less than 1 year ### "Great Product " January 7, 2025 5.0 Excellent. Easy to use. Quick. Self explanatory. Zero issues Pros Very easy to use and submit expenses. Easy to track why expenses were submitted. Easy to upload receipts. Self explanatory. Cons Nothing. I love ramp. I have nothing negative to say. Review Source Similar Products Featured ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.