--- title: "Ramp Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Ramp the right Expense Report solution for you? Explore 222 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 (222) [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 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. “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 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 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 SW Stacey W Accounting ManagerMachinery, 51 - 200 employeesUsed the software for: Less than 6 months. “The user account details and permissions were the one confusing part we ran into with setup.“ October 15, 2025 Eri D FounderAccounting, 2 - 10 employeesUsed the software for: 6-12 months. “Overall, it offers good value in terms of costs compared to the combination of apps it substitutes.“ May 17, 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 222 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Nicholas L. Finance Director & Dinner Groups Director Religious Institutions Used the software for: Less than 6 months ### "Simplified Expense Management" April 7, 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. Alternatives considered [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/) Reason for choosing Ramp The 1.5% cashback and the simplicity won us over. The slack integration was also key in our decision. Switched from [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/) Zoho's automated features did not work for us. It has a very difficult time reading a receipt. We also didn't like that we had to manually enter all of our American Express transactions. Customer support works odd hours. Review Source EH Erin H. COO Medical Devices Used the software for: 1-2 years ### "Great UI, saves lots of time for our small team" March 31, 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. Switched from [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/) Ramp offered better integrations and ease of use. Review Source CC Christina C. Office Manager Accounting Used the software for: 6-12 months ### "Ramp Review" May 29, 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 JF Jill F. Assistant Project Manager Construction Used the software for: 2+ years ### "Ramp saves time in accounting and makes employees happy" July 21, 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 SW Stacey W. Accounting Manager Machinery Used the software for: Less than 6 months ### "Great user friendly platform" October 15, 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. Alternatives considered [Centerbase](https://www.capterra.com/p/75540/Centerbase/) Reason for choosing Ramp Integrated into our accounting software easier Review Source JV Joelle V. Accounting Manager Hospital & Health Care Used the software for: 1-2 years ### "Top Notch Programming if you have QUICKBOOKS!" July 28, 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 ET Eric T. Director, Digital Transformation Automotive Used the software for: 1-2 years ### "RAMP: Better Than AMEX" June 12, 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 SK Sarah K. People Ops Manager Computer Software Used the software for: 1-2 years ### "Great for remote companies with lots of use cases" July 17, 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 HC Harrison C. CEO Financial Services Used the software for: 1-2 years ### "Ramp - Great Offerings, Amazing Value," May 25, 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 AK Alina K. People and Talent Lead Information Technology and Services Used the software for: 2+ years ### "Does exactly what it needs to" May 5, 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 AB Anthony B. CFO Wholesale Used the software for: 6-12 months ### "Excellent product, best automated AP solution out there!" October 27, 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. Alternatives considered [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[Paylocity](https://www.capterra.com/p/86714/WebPay/)[SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[MineralTree TotalAP](https://www.capterra.com/p/212630/MineralTree-Invoice-to-Pay/) Reason for choosing Ramp Free and did everything I wanted. Switched from [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/) Ramp is free and handles all spend and expense. Review Source SU Sherri U. Director of Administration Airlines/Aviation Used the software for: 6-12 months ### "Glad We Made The Switch" November 10, 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. Alternatives considered [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/) Reason for choosing Ramp We had a terrible experience with a syncing issue. Switched from [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/) Their customer seevice team was slow to respond to issues and the overall design of their product is considerably behind what RAMP offers. Review Source DW Danny W. Art Director Utilities Used the software for: 2+ years ### "If someone complains about Ramp, they are probably being paid by a competitor." November 10, 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. Switched from [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/) Finance department made the decision, but I was happy to help test the process. Review Source AZ Anna Z. Global Controller Financial Services Used the software for: Less than 6 months ### "My favorite software product" November 15, 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. Alternatives considered [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/) Reason for choosing Ramp More features, integration with NetSuite Switched from [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/) We wanted to lower the cost, we like to have access to real-time expenses. The system is much easier to use. Review Source pW peiji W. Assistant Controller Construction Used the software for: 1-2 years ### "Ramp Review" March 8, 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 EF Erin F. Medical director Medical Practice Used the software for: 6-12 months ### "Great Product " January 6, 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 ES Elizabeth S. Administrative Assistant Hospital & Health Care Used the software for: Less than 6 months ### "Makes AP Job Easier" December 17, 2024 5.0 This makes my AP job easier! It helps with organization and ability to have all purchases approved. Pros It is very easy to upload receipts and keep everything organized. Cons I don't really have anything have any cons for Ramp. Review Source BH Blake H. CFO Information Technology and Services Used the software for: 1-2 years ### "Game changer for small businesses" October 27, 2023 5.0 Pros Ramp is very intuitive and integrates well with other financial applications. The expense reimbursement platform has eliminated countless hours for our sales and customer service teams to focus on their clients versus administrative work. The internal controls and spend programs on ramp are well documented and places strong internal controls within the accounting department. Cons There is nothing I can say I do not like about Ramp, but only enhancement would be able to pass prepaid amortization journals to QB. If an expense is paid within Ramp via CC or BILL function, it can be coded to prepaid account, but the amortization journals have to be posted in QB. A strong control and time saver would be for Ramp to create the amortization rules and pass via API to QB to post. Reason for choosing Ramp Intuitive, smart and getting smarter and cost effetive Review Source JR Jeff R. Executive Director Non-Profit Organization Management Used the software for: 1-2 years ### "RAMP changed our Lives for the better" November 10, 2023 5.0 Happy that we made the change, it was one of the best vendor decisions that we made in many years. I recommend them to everyone. Pros The hours saved for our accounting department, chasing expense reports and missing receipts. Cons As far as functionality is concerned I disliked nothing, there has been one negative but i dont think it is RAMPs fault. I have had my credit card shut off and replaced about yearly. Review Source Steve B. Operations Director Management Consulting Used the software for: Less than 6 months ### "May be the best small company spend management platform on the market!" July 9, 2023 5.0 We signed up with Ramp just to provide credit cards for a few young employees (who didn't have much credit history), but will likely adopt Ramp as our expense management platform for the whole company. Pros The richness of both physical and virtual credit card configuration options is truly impressive. Cons Credit card limits are based solely on your company's bank balance, so could be an issue for some companies at certain times of the year. Review Source JMD Julio Mario D. Fractional CFO Accounting Used the software for: 1-2 years ### "Ramp, best credit card product out there" December 28, 2023 5.0 It is great, I switched from AMEX to Ramp because Amex integration with ERP systems is the worst. Pros You can create infinite cards, with different expiration dates, place the limits, etc Cons I think the website could use some work, maybe it is better nowadays Review Source CB Clem B. Executive Assistant Investment Management Used the software for: 1-2 years ### "Amazing ease of use!" November 13, 2023 5.0 Pros Ramp makes expensing purchases extremely quick, efficient, and easy. All I have to do is forward any emailed confirmation or receipt I get to Ramp and it automatically uploads to my account, where I can just type a memo the expense was for and select which account it should be billed to. It makes life so much easier for expensing the amount we do! Cons The only thing I don't like so far is that sometimes my account wants me to go through multi-step authentication constantly, whereas other times it doesn't require it. It's the times that I have to type in a code when I've already been logged in through the day repeatedly that can be annoying, but it's a security measure and I understand. Review Source VR Verified Reviewer Senior Accountant Non-Profit Organization Management Used the software for: Less than 6 months ### "Will suggest to future employers" November 15, 2023 4.0 It had been good and I hope that i can continue using it in the future Pros Ease of use for employees as well as the recon process Cons Journal entries it creates are nonsense and cause more work for me Review Source Patty P. Purchasing Agent Construction Used the software for: 6-12 months ### "I Love Ramp Visa." November 10, 2023 5.0 The ease to use and helpful support, along with the reimbursement feature. Pros no monthly reconciliations. can be done at time of purchase right on the site, no reports to print, no printing of receipts. Cons have not seen any cons as of yet, anything that has confused me, has been taken care of by a quick phone or Chat with Ramp Review Source Kelly L. Vice President Entertainment Used the software for: 6-12 months ### "Ramp is great!" November 10, 2023 4.0 Pros Ramp is the best system I've ever used to track my credit card expenses and reimbursements. The fact that you can do everything by mobile device is fantastic especially when you are travelling and can do your reporting in real time. Cons I don't have any problems with any of the features. 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.