Ramp user reviews: The good, bad, and a better AP & P2P option
Ramp is a corporate spend management platform that started as a credit card company and later added basic accounts payable (AP) functionality. Founded in 2019, Ramp serves small to mid-market businesses with company cards, business expense management, and bill pay features.
The platform markets itself as a cost-effective alternative to traditional expense management solutions, leveraging its corporate card business model to offer “free” AP automation. But what do actual customers think about using Ramp for their spend management needs? We analyzed real Ramp reviews to uncover the platform’s capabilities and limitations.
Ramp overview
Before diving into Ramp user reviews, here’s a quick look at features, pricing, and user satisfaction data.
Features and capabilities
Ramp’s capabilities center around charge cards with add-on AP functionality. The platform offers:
- Ramp business cards with cash back, spending controls, and real-time transaction monitoring
- Basic invoice processing that captures data and routes approvals through simple workflows
- Expense management for receipt submission, categorization, and reimbursements
- Bill pay functionality for vendor payments and check processing
- Integrations with enterprise resource planning (ERP) systems like QuickBooks, NetSuite, and Sage, but sync depth is limited (e.g., daily batch updates) and lacks the bi-directional, real-time integration finance teams often require.
Pricing
Ramp uses a deceptive “freemium” model that advertises free AP capabilities while locking essential features behind paid tiers. Ramp’s employee cards have no annual fee. Yet key procurement tools, advanced workflows, and ERP customizations require expensive upgrades that quickly eliminate any cost advantage.
This pricing strategy forces businesses to either accept severely limited functionality or pay premium prices for capabilities that should be standard in modern accounting automation platforms. While Ramp markets a ‘free’ plan, many businesses find themselves upgrading to paid tiers (starting at ~$15 per user/month) for necessary finance features, with enterprise pricing negotiated separately.
User satisfaction
To assess user satisfaction, we analyzed verified user reviews on G2, TrustRadius, and Capterra in August 2025. While Ramp also receives positive feedback for ease of use and the convenience of Ramp cards, users point out issues that expose the platform’s limitations as a comprehensive spend management solution.
The reviews reveal a clear pattern: The platform works well for Ramp corporate card management. But it falls short when businesses need robust AP automation, advanced workflows, or a complete procure-to-pay (P2P) solution.
Positive reviews for Ramp
Here are Ramp’s main strengths as identified in customer reviews.
Corporate card management tools
Many startup and small business users appreciate that Ramp’s core business credit card and expense tracking features are so easy to use. As one reviewer states, “The ability to create new virtual credit cards almost instantly for new spending projects is extremely convenient.”
Another customer says, “The visibility into spending, the approval workflows, and overall matching technology have made it easier.”
Easy expense submission and receipt management
Users often praise Ramp’s streamlined expense management tools, which allow you to take photos of your receipts. As one customer explains, “Ramp makes it easy to record and manage expenses while I’m on the go via SMS. I love how Ramp texts me after I use my card, prompting me to upload a receipt and then providing a reason for the transaction.”
Cost-effective time savings
Additionally, many users report saving time and money with Ramp. As one reviewer states, “We’ve seen a reduction of monthly time spent on expense management.”
However, some users note that while the free version is cost-effective, the platform’s more robust accounting software is hidden behind a paywall. As a user notes, “It is free — at least for now. There are some features that can be paid for, but we are satisfied with the free offering.”
Negative Ramp reviews
Here are Ramp’s weaknesses according to customer reviews.
Basic AP functionality with serious limitations
Despite marketing claims, users often discover Ramp’s AP automation is rudimentary compared to dedicated solutions. One frustrated user notes, “Ramp had a lot of promise. We used it to replace our entire expense ecosystem from bill pay to credit cards to procurement.
“In my opinion, it’s expensive for a company with a large headcount that will mostly not use the system outside of reimbursements with no option to separate plus licenses. Also, in my experience, bill pay has serious deficiencies.”
The customer also notes, “It’s too half baked for going all-in on expense. In my experience, visibility and reporting are severely lacking despite claims of AI and intelligence.”
Manual workarounds and lack of automation
Users frequently report that Ramp’s inflexible setup requires them to waste time handling manual processes and adding in missing items. One customer complains, “Want to bulk update ‘Locations’ for transactions? Good luck…not possible. You have to update each transaction one by one in Ramp.”
The customer continues, “Do you have monthly recurring transactions for the SAME amount from the SAME vendor EVERY month? Think Ramp would use a touch of AI to automatically set the location after you set it to the same value EVERY month for the last 100 months? Nope…keep setting it manually.”
Limited integrations
Some users lament Ramp’s lack of integrations. While Ramp integrates with select software platforms, some customers share frustration about how they work in practice.
As one user explains, “In bill pay, a payment made outside of Ramp doesn’t integrate to the ERP accounting system our clients use and that creates double work.”
Inadequate customer support
In addition, some users report that Ramp fails to handle basic support needs. One customer notes, “Extremely disappointing […] The onboarding was weak to non-existent. The support is mostly done by communicating with bots and is very frustrating. We were putting up with the above until we were swamped with dozens of fraudulent charges. We had no assurance that Ramp would protect us and we still don’t know how many of these fraudulent charges will be properly dealt with.”
Ramp: The bottom line
Ramp offers a low-cost model that’s appealing for basic corporate card management. But the hidden costs become apparent when businesses need real AP automation. The platform’s rigid workflows, limited customization, and inadequate support for complex processes force users into expensive manual workarounds.
While Ramp works for simple expense reporting and virtual cards, business owners who are serious about automated expense management need a Ramp alternative that offers a true P2P solution with AP automation.
Stampli: The superior Ramp alternative for complete P2P automation
Stampli is purpose-built AP automation software designed for finance teams that need a complete P2P solution. As this Stampli vs Ramp vs Brex comparison details, Stampli connects every dot of the purchasing process, providing comprehensive automation and seamless integration with existing business processes — including 70+ ERP systems.
| Stampli | Ramp | |
| G2 satisfaction score | 99 | 81 |
| Ease of use | 95% | 94% |
| Ease of setup | 94% | 94% |
| Ease of admin | 95% | 95% |
| Quality of support | 97% | 92% |
| Ease of Doing Business With | 97% | 96% |
The G2 scores in this chart are from the AP Automation category officially released in March 2025.
True AP automation powered by advanced AI
While Ramp users struggle with rigid workflows and manual tasks, Stampli customers benefit from AP automation and advanced AI.
As one reviewer states, “Things that took over 30 hours out of my week are now taking a fraction of that with Stampli. I am able to code an invoice sometimes instantly!”
Another user describes, “What I appreciate most about Stampli is its AP-first approach, which streamlines the entire accounts payable process by integrating communications, documentation, and workflows into a single platform.”
Plus, Stampli’s AI assistant Billy the Bot learns your coding patterns and automates invoice processing in ways that Ramp simplified approach can’t match.
One user explains, “We have cut down a lot of time it takes to code invoices. The AI system is very accurate, and the Stampli team is very devoted on getting better every quarter.”
Lightning-fast implementation with seamless integrations
Stampli implementations typically take weeks rather than months. As one customer states, “Stampli was very easy to set up, and the integration with NetSuite required zero effort. I can’t tell you how many vendors that claimed their product was ‘plug-and-play’ left me with a nine-month implementation project.”
Another user confirms, “We like the user interface and ease of use that Stampli provides. Our end users did not even need any formal training to be able to navigate the software.”
Superior customer support when you need it
Stampli customers often praise their experience with customer support. One user notes, “Customer Service is always there. They are quick to help when needed. When we implemented a new ERP, they were there immediately and dedicated throughout the process.”
Another customer adds, “The customer support — they’re always quick to respond and genuinely helpful whenever we have questions.” This level of support becomes crucial when businesses need real solutions, not workarounds.
Complete P2P and AP solution
Ramp’s basic functionality works for simple card transactions. But businesses with sophisticated procurement needs require Stampli’s comprehensive AP and P2P capabilities.
One customer explains, “Stampli allowed us to eliminate a dedicated AP person whose time was mostly spent doing daily data entry. We’ve also eliminated dedicated physical file storage space and gone fully digital with invoice document storage.”
Stampli connects every step of the procurement cycle — from purchase requests through final payment –—with intelligent automation that learns and improves over time. As one user describes, “Stampli provides a full cycle AP solution that gives us instant access to our invoices at every state of the AP cycle. We’re no longer hunting down invoice copies or emailing, calling, or running to offices for invoice approvals.”
Ramp user reviews: The good, bad, and a better AP & P2P option
Unlike Ramp’s card and expense management platform, Stampli delivers the comprehensive, flexible, and truly automated procurement solution that finance teams need to eliminate manual workarounds and achieve real efficiency gains.
Ready to experience AP automation that actually works for your business? Request a Stampli demo today and discover how easy it is to connect every dot of your procurement workflow.
