Expense Management
Ramp
Provenance unknown Report an error0–5 in half steps. 5 means the rubric's top anchor is met on the evidence.
by Ramp Business Corporation · www.ramp.com
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Ramp at a glance
- Vendor
- Ramp Business Corporation
- Headquarters
- Not stated on the vendor’s pages as of 3 Nov 2026
- Data hosting
- Not stated on the vendor’s pages as of 3 Nov 2026
- Free plan
- Not stated on the vendor’s pages as of 3 Nov 2026
- Panel verdict
- The AI panel rates Ramp 2/5, the mean of 6 judges. Ramp is an expense-management platform from Ramp Business Corporation, headquartered in the United States. how scores are made
- As of
- Vendor pages captured 3 Nov 2026; evaluated by the panel 3 Nov 2026. all sources
Read this page as one judge. Each weighs the same scores by what they care about.
The panel's verdict
Ramp is an expense-management platform from Ramp Business Corporation, headquartered in the United States. It is strongest on cards and spend control, where scores cluster at 6-7: judges credit named, licensed Visa issuers for the US, UK, EEA and Canada, cards in 30+ currencies, and automatic provisioning of cards, permissions and limits by role, location and department. Its weakest area is sovereignty, at 1-2: the contracting entity is US-based, transfers rest on Standard Contractual Clauses and EU-US Data Privacy Framework self-certification, and the judges found no public information on hosting location, subprocessors or a data processing agreement. The genuine split is approval and policy, spanning 3-6: the travelling employee scored 6 on pre-approval spend requests and automatic policy flags, while the skeptic scored 3, citing no routing by amount or cost centre, no deputies or escalation and no audit trail. Other scores cluster tightly — receipt capture 3-4, reimbursement and VAT 4-5, accounting export 4-5 — with reimbursements handled in-product and paid in local currencies, but receipt text recognition, statutory rates and per-receipt VAT undocumented.
Speaks for it
- Visa cards issued by named, licensed institutions — Celtic Bank, Column N.A., Sutton Bank and Lead Bank in the US, Stripe Payments UK and Stripe Technology Europe for the UK and EEA, Peoples Trust Company in Canada — in 30+ currencies.
- Cards, permissions and limits provisioned automatically by role, location, department and custom fields.
- Reimbursements submitted, approved and processed in the product, funded in local currencies including pounds, euros, yen and pesos, with repayment syncing to accounting software in batches.
- A documented developer API and webhooks with HMAC-SHA256 signature verification, exponential-backoff retries and event types covering transactions, bills, purchase orders and reimbursements, beside a claimed 200+ integrations.
- A free way in: the site says 'Get started for free'.
Held against it
- Sovereignty scores sit at 1-2: a US-headquartered contracting entity, transfers resting on Standard Contractual Clauses and EU-US Data Privacy Framework self-certification, and no public information on hosting location, a subprocessor list or a data processing agreement.
- We found no public information on approval routing by amount, cost centre or entity, deputies and escalation, per-country policy limits, or an exportable audit trail of who approved and changed what.
- We found no public information on statutory per diem or mileage rates per country, meal deductions, the VAT rate and amount captured per receipt, or foreign VAT reclaim.
- No captured page names a specific accounting or ERP system, and we found no public information on a DATEV interface, booking proposals carrying account, tax key and cost centre, or a GoBD-compliant archive.
- We found no public information on text recognition of amount, date and merchant, duplicate checks, mileage entries or a substitute receipt, so the capture workflow is only partially documented.
Best for
- You want corporate cards at the centre of your spend programme, issued across the US, UK, EEA and Canada in 30+ currencies with limits provisioned automatically by role, location and department.
- You reimburse a travelling workforce and want claims submitted, approved and paid in local currencies — pounds, euros, yen and pesos — inside one product.
- Your team builds its own integrations and can work with a documented API and webhooks with HMAC-SHA256 signature verification and retry handling.
- You manage multiple entities in one account and want pre-approval spend requests before money moves.
Avoid if
- You must verify hosting location, a subprocessor list and a data processing agreement before signing — sovereignty scores sit at 1-2 with these questions open on the captured pages.
- Your tax workflow depends on statutory per diem or mileage rates by country, or the VAT rate and amount captured per receipt — reimbursement and VAT scores range 4-5 with judges citing these gaps.
- Your month-end handoff needs a named accounting or ERP system, booking proposals carrying account, tax key and cost centre, or a GoBD-compliant archive — accounting export scores range 4-5 on the same gaps.
- You need approval routing by amount or cost centre with deputies, escalation and an exportable audit trail — approval and policy scores span 3-6 on exactly these questions.
The scores
| Criterion | Panel median |
|---|---|
| Receipt capture & expense claims | 2 of 5 |
| Company cards & spend control | 3 of 5 |
| Approval workflows & expense policy | 2.5 of 5 |
| Reimbursement, travel allowances & VAT | 2 of 5 |
| Accounting handoff & DATEV | 2 of 5 |
| European sovereignty | 1 of 5 |
Receipt capture & expense claims
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How this is scored
How an expense gets into the system: a mobile app that photographs receipts, text recognition (OCR) that reads amount, date, merchant and VAT, receipts forwarded by email or pulled from suppliers, claims for out-of-pocket spending in any currency, mileage and trip entries, a substitute receipt (Eigenbeleg) when the original is lost, and duplicate detection.
0 — Not an expense capture tool; receipts and claims cannot be recorded in the product.
3 — Receipts uploaded as photos or files and attached to an expense by hand; text recognition, email capture or claims in other currencies are basic or not described.
5 — A mobile app that captures receipts with text recognition reading amount, date and merchant, receipts forwarded by email, expense claims for out-of-pocket spending submitted from the app, and foreign currencies converted.
8 — Extraction of VAT rates and amounts and line items, receipts collected automatically from email inboxes or named suppliers, duplicate and fraud checks on submission, a substitute receipt for lost originals, mileage with route calculation, and replacement scanning (ersetzendes Scannen) stated as GoBD-compliant so paper originals may be discarded.
10 — Capture without employee effort: e-receipts delivered directly by travel and merchant partners, extraction accuracy or review process published, a certified scanning procedure (for example an audit report to IDW PS 880 or a TÜV certificate) named, and every receipt traceable from capture to booking.
The Travelling Employee
A mobile app and a receipt auto-capture page exist, out-of-pocket reimbursements are submitted, approved and processed, and money comes back in local currencies including pounds, euros, yen and pesos — most of my road loop. What keeps it down is that I found no public information on text recognition reading amount, date or merchant, mileage entries, VAT extraction or duplicate checks. 1 3 4 9
The Office Manager
Ramp lists expense management and a mobile app among its products, and the captured support pages include a mobile-app guide and a receipt auto-capture guide, so receipts do get into the system. We found no public information on text recognition reading amount, date and merchant, receipts forwarded by email, duplicate checks or a substitute receipt. The only multi-currency detail is that employees can be reimbursed in local currencies such as pounds, euros, yen and pesos. 1 3 4 9
The Controller
Ramp lists expense management and a mobile app among its products, its help centre has a page on automatic receipt capture, and reimbursements can be submitted, approved and then funded in local currencies. But we found no public information on text recognition reading amount, date and merchant, duplicate detection, mileage entries or a substitute receipt for lost originals, so the capture workflow is only partially documented. 1 3 4 9
The Finance Lead
The product list includes expense management and a mobile app, the help centre carries pages titled receipt auto-capture and Ramp mobile app, and reimbursements are submitted and approved in the product, so expenses do get in. I found no public information on what the text recognition reads, email capture, mileage and trip entries, a substitute receipt, or duplicate and fraud checks, which is what decides whether my people stop retyping. 1 3 4 9
The Tax Adviser
Reimbursements are submitted, approved and processed in the product, the help centre carries a page on automatic receipt capture and one on the mobile app, and claims are funded in local currencies including pounds, euros, yen and pesos. I found no public information on text recognition reading amount, date and VAT, receipt collection from email, mileage and trip entries, a substitute receipt for lost originals, or GoBD-compliant scanning — so the capture is real but the tax-relevant reading is undescribed. 1 3 9
The Skeptic
Ramp lists expense management, reimbursements and a mobile app among its products, supports submitting reimbursements, and support pages on receipt auto-capture and the mobile app were captured. No captured fact describes text recognition of amount, date, merchant or VAT, email or supplier capture, duplicate or fraud checks, mileage, or a substitute receipt, so how an expense actually gets in remains undocumented. 1 3 4 9
Company cards & spend control
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How this is scored
How spending is controlled before it happens: physical and virtual company cards with limits, single-use and subscription cards, limits by amount, merchant category and time, budgets per team or project, real-time notifications and receipt reminders — or, for a product that issues no cards of its own, live feeds from the company's existing cards with automatic receipt matching. The issuing institution and its licence count where cards are issued.
0 — Neither issues cards nor reads card transactions; only out-of-pocket claims exist.
3 — Card transactions imported from a statement file or a single feed and matched by hand, or a card offer with fixed limits; budgets, reminders and controls are basic or not described.
5 — Either own physical and virtual cards with per-card limits, freezing and real-time notifications, or live feeds from named corporate card schemes or banks with automatic matching of receipts to transactions; spending visible as it happens and employees reminded to submit receipts.
8 — Cards for every employee with limits by amount, merchant category and period, single-use and subscription cards, budgets per team or project that cards draw from, pre-approval of a purchase before the card is charged, feeds from existing bank cards beside the own cards, and the issuing institution and licence named.
10 — Spend control across the company: multi-entity and multi-currency card accounts, budgets and policies enforced at the moment of payment, card spend reconciled to the statement automatically, safeguarding of funds and credit terms stated, and cards and transaction history portable to another provider.
The Travelling Employee
Ramp issues its own Visa cards with every issuer named and licensed — US banks, Stripe Payments UK, Stripe Technology Europe for the EEA, Peoples Trust for Canada — in 30-plus currencies, and cards, permissions and limits are provisioned automatically by role, location and department, with budgets and pre-spend request controls. I found no public information on card freezing, real-time notifications, or single-use and merchant-category limits, which the top band expects. 1 5 6 11
The Office Manager
The issuers and licences are named outright: Visa cards from Celtic Bank, Column N.A., Sutton Bank and Lead Bank in the US, Stripe Payments UK and Stripe Technology Europe for the UK and EEA, and Peoples Trust Company in Canada. Cards, permissions and limits are provisioned automatically by role, location, department and custom fields, cards can be issued in 30+ currencies, and budgets and multi-entity support are in the platform list. We found no public information on single-use or subscription cards, merchant-category limits, or real-time notifications and receipt reminders. 1 2 5 6
The Controller
Ramp issues its own Visa cards through named, licensed institutions (Celtic Bank, Column N.A., Sutton Bank and Lead Bank in the US, Stripe Payments UK in the UK, Stripe Technology Europe in the EEA, Peoples Trust in Canada) and provisions card limits automatically by role, location and department, with cards in 30-plus currencies, a budgets module, a multi-entity platform feature and spend requests as pre-approval events in the developer platform. We found no public information on limits by merchant category or period, single-use and subscription cards, or budgets that card spending explicitly draws from. 1 5 6 11
The Finance Lead
Cards are the heart of it: Ramp issues its own Visa cards with every issuing institution and licence named — US banks, Peoples Trust in Canada, and for the EEA Stripe Technology Europe Limited under a Central Bank of Ireland licence — in 30+ currencies, with cards, permissions and limits provisioned automatically by role, location and department, and budgets and pre-spend request controls as modules and help pages. I found no public information on limits by merchant category or period, single-use cards, real-time notifications and freezing, or a live feed from my three existing banks' cards, which is what I would need before moving anything. 1 2 5 6 11
The Tax Adviser
The issuing institutions and licences are named for every region — US banks, Peoples Trust in Canada, Stripe entities in the UK and Ireland — and cards are issued in over 30 currencies with cards, permissions and limits provisioned automatically by role, location and department, plus help pages on card controls and budgets and spend-request events in the developer documentation. I found no public information on limits by merchant category or period, single-use and subscription cards, card freezing, or real-time notifications and receipt reminders. 1 5 6 11
The Skeptic
Corporate cards are issued across named banks and licences — Celtic Bank, Column N.A., Sutton Bank and Lead Bank in the US, Stripe entities authorised by the FCA and the Central Bank of Ireland for the UK and EEA, Peoples Trust in Canada — with limits provisioned automatically by role, location and department, cards in 30+ currencies, and budgets and multi-entity on the platform. No captured fact describes freezing, real-time notifications, merchant-category limits, single-use or subscription cards, or budgets that cards draw from; spend requests surface only as an event type in the developer documentation. 1 11
Approval workflows & expense policy
panel disagrees
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How this is scored
How the company's rules are applied: approval chains by amount, team, cost centre or project, delegation and deputies, an expense policy with limits per category and per country that the product checks, pre-approval of trips and purchases, roles and permissions, multi-entity set-ups, and an audit trail of who approved and changed what.
0 — No approval step; every expense goes straight to export or payment.
3 — A single approver per employee or one sign-off step; policy rules, deputies and audit history are basic or not described.
5 — Multi-step approval flows configurable by amount, team or cost centre, an expense policy with limits per category that flags violations, approval from the mobile app, and a history of who approved what.
8 — Rule-based routing by amount, project, cost centre and entity with deputies and escalation, policy checks before submission (limits per country, per diem rules, duplicates), pre-approval of trips or purchases, granular roles and permissions, several legal entities in one account, and an exportable audit trail.
10 — Controls that stand up to an audit: anomaly and fraud detection with its rules explained, separation of duties enforced, country-specific policies maintained centrally, every change to a claim versioned and attributed, and control reports offered to auditors.
The Travelling Employee
Expenses go through a review-and-approvals flow, transactions can be automatically flagged by policy, spend requests give pre-approval before money moves, and a per-diem travel policy sits beside permissions provisioned by role and department. I found no public information on approval routing by amount or cost centre, deputies and escalation, or an exportable audit trail of who approved what. 1 7 8 9 10
The Office Manager
Approvals are a named product, reimbursements move through submit-and-approve steps, and the developer platform carries Spend Requests, Unified Requests and Purchase Orders alongside multiple entities in one account. The captured support pages cover expense review and approvals and automatic flagging of transactions with policy flags. We found no public information on approval routing by amount or cost centre, deputies and escalation, per-country policy limits, or an exportable audit trail. 1 7 8 9 11
The Controller
An approvals module is on the product list, help pages cover expense review and approvals and automatically flagging transactions with policy flags, and the developer platform treats spend requests, unified requests and applications as first-class events, which points to approval before spending. We found no public information on approval chains routed by amount or cost centre, deputies and escalation, policy limits checked before a claim is submitted, or an exportable audit trail of who approved and changed what — the controls my four entities would be audited on. 1 7 8 11
The Finance Lead
Approvals are a named module, the help centre covers expense review and approvals and automatically flagging transactions with policy flags, spend requests exist as pre-spend controls and as API resources, and multi-entity is a listed platform feature. I found no public information on routing by amount, cost centre or entity, deputies and escalation, granular roles and permissions, or an audit trail of who approved and changed what — the questions my auditors always ask. 1 5 7 8 9 11
The Tax Adviser
An approvals module exists, reimbursements are submitted and approved in the product, permissions and limits are provisioned by role, location and department, a help page covers flagging transactions with policy flags, and spend requests appear as pre-spend objects in the developer events. I found no public information on multi-step routing configurable by amount, team or cost centre, deputies and escalation, country-specific policy limits, or an exportable audit trail of who approved and changed what. 1 8 9 11
The Skeptic
Approvals appear as a listed module, the reimbursement flow includes an approve step, and spend requests and applications are visible as event types in the developer documentation. The captured facts describe no routing by amount, cost centre or entity, no deputies or escalation, no per-country policy limits, and no audit trail of who approved or changed what. 1 9 11
Reimbursement, travel allowances & VAT
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How this is scored
How the employee gets money back and the company gets the tax right: reimbursement of approved claims by bank transfer or a SEPA payment file, mileage allowances and per diems at statutory rates per country (Verpflegungspauschalen, Kilometerpauschale, meal deductions), taxable and tax-free reimbursements separated for payroll, the input VAT captured per receipt for the deduction, and foreign VAT reclaimed.
0 — No reimbursement of employees; the product covers company cards only and out-of-pocket spending is out of its scope.
3 — Out-of-pocket claims recorded and paid back outside the product by hand; travel allowances and VAT handling are basic or not described.
5 — Approved claims reimbursed through the product or a SEPA payment file, mileage and per diems at configurable rates, and the VAT rate and amount captured per receipt for the input-tax deduction.
8 — Statutory per diems and mileage rates per country maintained by the vendor (German travel expense law named), meal deductions and multi-day trips calculated, reimbursement in several currencies within a stated time, VAT split per rate and receipts checked for the invoice requirements of the deduction, and foreign VAT reclaim offered or integrated with a named partner.
10 — Travel expense law and VAT handled end to end: country rules kept current with a stated process, taxable reimbursements passed to payroll, foreign VAT reclaim filed with the recovered amounts reported, and every reimbursement traceable to the claim and the rule that produced it.
The Travelling Employee
Getting paid back runs through the product: reimbursements are submitted, approved and processed, repayments sync to accounting software in batches, and employees are reimbursed in local currencies including pounds, euros, yen and pesos, with a per-diem policy available. I found no public information on mileage allowances, statutory country rates, VAT captured per receipt or foreign VAT reclaim — the tax side is invisible to me. 1 9 10
The Office Manager
Employees get paid back inside Ramp — reimbursements are submitted, approved and processed there and can be funded in local currencies including pounds, euros, yen and pesos — and a per diem policy page is among the captured pages. We found no public information on mileage allowances, statutory per-country rates, meal deductions, or the VAT rate and amount per receipt. The input-tax question my tax adviser asks every month is one these pages did not answer. 1 9 10
The Controller
Reimbursements are submitted, approved and processed through Ramp, funded in local currencies including pounds, euros, yen and pesos, with repayment batches syncing to accounting software and a per diem policy documented in the help centre. We found no public information on statutory per diem or mileage rates per country, meal deductions, the VAT rate and amount captured per receipt for the input-tax deduction, or foreign VAT reclaim, so the statutory tax machinery remains undocumented on the captured pages. 1 9 10
The Finance Lead
Approved reimbursements are processed in the product with repayments synced to accounting software in batch, employees can be paid in local currencies including pounds and euros, and a per diem policy help page exists. I found no public information on mileage allowances, meal deductions, statutory per diem rates maintained by country, German travel expense law, VAT captured per receipt for the input-tax deduction, or foreign VAT reclaim — so for my German travellers the tax side is unproven. 1 9 10 11
The Tax Adviser
Approved claims are reimbursed through the product, repayments sync to accounting software in batches, employees are reimbursed in local currencies, and a help page on per diem policies exists. I found no public information on statutory per diem or mileage rates per country, meal deductions, the VAT rate and amount captured per receipt for the input-tax deduction, or foreign VAT reclaim — the allowances law and VAT handling my clients need are not on these pages. 1 9 10
The Skeptic
Reimbursements are submitted, approved and processed in the product, can be funded in local currencies including pounds, euros, yen and pesos, and repayments sync to accounting software. We found no public information on per diem or statutory country rates, mileage allowances, meal deductions, VAT captured per receipt for the deduction, or foreign VAT reclaim; a support page on per-diem policy appears among the captured pages but states no rates in the confirmed facts. 1 9 10
Accounting handoff & DATEV
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How this is scored
What reaches the books: export or sync to DATEV (DATEV format, DATEV Unternehmen online, Belegbilderservice) and to named accounting and ERP systems, booking proposals with account, tax key and cost centre, receipts that travel with the booking, card statements reconciled, a GoBD-compliant archive, an API and webhooks, and a complete export of claims, receipts and booking data.
0 — No export of any kind; expenses have to be retyped into the books.
3 — A CSV or PDF export of expense reports; booking data, named integrations and the archive are basic or not described.
5 — Export or sync to at least one named accounting system (DATEV or another) with account and tax code per entry and the receipt attached, several accounting or ERP integrations listed, and a documented API.
8 — A DATEV interface with receipt images (DATEV Unternehmen online or the DATEV Marketplace named), booking proposals that learn account, tax key and cost centre, two-way sync with named ERPs (SAP, Microsoft Dynamics, NetSuite or similar), card statements reconciled for the month-end, a GoBD-compliant archive stated, and webhooks.
10 — The month-end close runs through the product: multi-entity bookings and accruals, a procedure documentation (Verfahrensdokumentation) or GoBD audit offered, a complete audit trail of every financial event, and a full export of claims, receipts and bookings that a successor system can import.
The Travelling Employee
The plumbing is real: a documented API, real-time webhooks with signature verification and a retry policy, custom CSV accounting exports, accounting automation and a claim of 200-plus integrations. The captured pages I read name no specific accounting system, and I found no public information on a DATEV interface, booking proposals with account and tax key, or a compliant archive. 1 9 11 12
The Office Manager
The pages claim 200+ integrations, the API is documented, and webhooks are described down to signatures, retries and rate limits, with reimbursements and transactions among the event types. Repayment syncing to accounting software and a custom accounting CSV export page were also captured. We found no public information on a DATEV interface, booking proposals carrying account, tax key and cost centre, or a GoBD-compliant archive. 1 9 11 12
The Controller
A documented developer API and fully specified webhooks — HMAC-SHA256 signatures, endpoint challenges, exponential-backoff retries, and event types for entities, bills, payments, reimbursements and transactions — sit beside a claimed 200-plus integrations, custom accounting CSV exports and repayment syncing. No captured page names a specific accounting or ERP system, and we found no public information on DATEV connectivity, booking proposals carrying account, tax key and cost centre, or a GoBD-compliant archive. 1 9 11 12
The Finance Lead
What is documented: a public API, developer-grade webhooks with signature verification, retries and test events, a custom accounting CSV export page, an accounting automation feature, a claim of 200+ integrations, and batch sync of reimbursement repayments. I found no public information on DATEV or DATEV Unternehmen online, any named accounting or ERP system, booking proposals with account, tax key and cost centre, receipt images travelling with the booking, card statement reconciliation, or a GoBD-compliant archive — the whole handoff I close the month with is undescribed. 1 2 9 11 12
The Tax Adviser
A documented API and real-time webhooks with HMAC signature verification and retry policy cover transactions, bills, purchase orders and reimbursements, repayments sync to accounting software, and a page on custom accounting CSV exports exists. I found no public information on any named accounting or ERP system, on DATEV in any form, on booking proposals with account, tax key and cost centre, on receipts travelling with the booking, or on a GoBD-compliant archive. 1 9 11 12
The Skeptic
The developer API is public and webhooks are documented down to HMAC-SHA256 signature verification, exponential-backoff retries and event types for transactions, reimbursements, bills and purchase orders; repayments sync to accounting software and "200+ Integrations" is claimed. But no accounting system is named in the captured facts — nothing on DATEV, booking proposals with account or tax key, receipt images travelling with the booking, or a GoBD archive — and the custom accounting CSV exports page yielded no confirmed facts. 1 9 11 12
European sovereignty
panel opinion
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How this is scored
Who the contracting entity and the parent company are, where receipt, card and employee data are hosted, and who the subprocessors are (hosting, card issuer and processor, text recognition, open banking, email delivery). Independently sourced by the sovereignty pipeline; expense data is personal and financial at once and shows where employees travel, so the whole chain counts, not only the database.
0 — Non-EU vendor and contracting entity, hosting unstated, subprocessors unnamed, and no data processing agreement offered.
3 — A privacy policy and a data processing agreement exist, but hosting location is unstated or non-EU and the subprocessors are not listed.
5 — EU hosting available and an EU contracting entity or EU representative, but parts of the chain (text recognition, card processing, email, analytics, support) run through non-EU providers without a stated safeguard.
8 — EU hosting on named infrastructure, EU contracting entity and card issuer, subprocessors listed with their locations, a data processing agreement published, and security certifications (ISO 27001, SOC 2) stated.
10 — Sovereign end to end and evidenced: European ownership, entity, issuer, hosting and every subprocessor, data export and deletion documented, and certifications published with their scope rather than implied.
The Travelling Employee
Every proven fact points across the Atlantic: the contracting entity is Ramp Business Corporation in New York, headquartered in the United States, with deposits at a US bank and US card issuers; the EEA cards issued by Stripe Technology Europe are the only European link. I found no public information on hosting location, the subprocessor list or a data processing agreement, and the privacy policy leans on the EU-US Data Privacy Framework and standard contractual clauses rather than EU residency. 1 2
The Office Manager
The contracting entity is Ramp Business Corporation of New York, headquartered in the United States with operations in Canada, and US deposit and card banking runs through First Internet Bank of Indiana and the named US issuers. The European links on the captured pages are the UK and Irish Stripe issuers for UK and EEA cards and transfer safeguards via standard contractual clauses and the EU-U.S. Data Privacy Framework. Hosting location is not stated, and we found no public information on a subprocessor list or on a data processing agreement from the vendor's own pages. 1 2
The Controller
The contracting entity is Ramp Business Corporation, headquartered in the United States at 28 West 23rd Street, New York, with international transfers resting on Standard Contractual Clauses and EU-US Data Privacy Framework self-certification; the one European link in the chain is the EEA card issuer Stripe Technology Europe Limited, licensed by the Central Bank of Ireland. Hosting location for receipt and employee data is unstated, no subprocessor list is published, and a data processing agreement is not confirmed on the captured pages — very little for a European buyer to rely on. 1 2
The Finance Lead
I would be contracting with Ramp Business Corporation, headquartered in New York, with deposit services at a US bank, and I found no public information on where receipt, card and employee data are hosted or which subprocessors handle text recognition, email delivery and support. The European pieces I can see are EEA card issuance by Stripe Technology Europe Limited under a Central Bank of Ireland licence, UK issuance under the FCA, and transfers framed through Standard Contractual Clauses and the EU-US Data Privacy Framework, with a processor role referenced under the customer agreement but no published processing agreement confirmed. For expense data that shows where my employees travel, that is not a chain I can sign off on. 1 2
The Tax Adviser
The contracting entity is Ramp Business Corporation, headquartered in the United States with operations in Canada, with named card issuers for the US, Canada, UK and EEA — Stripe Technology Europe licensed by the Central Bank of Ireland — and transfers resting on Standard Contractual Clauses and Data Privacy Framework certifications. I found no public information on where expense, card and employee data are hosted, on a subprocessor list, or on a published data processing agreement, so only the card-issuing link is evidenced as European. 1 2
The Skeptic
The vendor and contracting entity are Ramp Business Corporation, headquartered in the United States, with US banks issuing the US cards and transfers out of the EEA resting on Standard Contractual Clauses and Data Privacy Framework self-certification. We found no public information on hosting location, a subprocessor list, or a published data processing agreement; the one European link in the chain is that EEA cards are issued by an Irish-regulated e-money institution. 1 2
Pricing transparency
not rated — the vendor publishes no price
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How this is scored
Whether a buyer can compute the real annual cost from public pages alone: price per user or per active user, platform or base fee, which modules (travel, reimbursements, DATEV or ERP connectors, extra entities) cost extra, card fees (physical cards, foreign transactions, currency conversion, top-ups), minimum seats and term, and setup.
0 — No public prices at all; every customer is a sales call.
3 — A starting price or a free tier exists, but how cost scales with users, cards or modules is unclear.
5 — Tiers are public with their per-user or base price and main inclusions, but at least one commonly needed piece (extra users, physical cards, foreign-currency fees, ERP connectors) is unpriced or "on request".
8 — Every tier priced publicly with its scaling rule (per user, per active user, per card), card and foreign-transaction fees listed, add-ons priced, minimum term and VAT treatment stated.
10 — Complete price computability: annual cost derivable for a given headcount, card count and module set, with every add-on, setup, support, card and currency fee and the cancellation and data-return terms published.
The Travelling Employee
There is a free way to start and a reimbursements pricing article, so a starting point exists. But I found no public information on tiers, per-user prices, card or foreign-currency fees, minimum terms or setup, so a buyer cannot compute a year's cost from what is public. 1 9
The Office Manager
A free way in exists — the site says 'Get started for free' — and a reimbursements pricing article sits in the help centre. We found no public figures: nothing per user, nothing per card, no card or foreign-transaction fees, no minimum seats or term. I could not compute a monthly cost for thirty people from these pages before any trial. 1 9
The Controller
The homepage invites buyers to "Get started for free" and a help article covers reimbursements pricing, but we found no public information on per-user or platform fees, card and foreign-currency charges, priced modules such as travel or ERP connectors, minimum seats, contract term or VAT treatment — the annual cost for twelve hundred staff cannot be computed from the captures. 1 9
The Finance Lead
The only price signals captured are "Get started for free" on the homepage and a help-centre article indicating reimbursements carry their own pricing. I found no public information on per-user or per-active-user prices, a platform or base fee, card and foreign-currency fees, extra modules such as travel or connectors, minimum seats, term, setup or VAT treatment — I could not begin to compute the annual cost for my hundred and fifty people. 1 9
The Tax Adviser
The only pricing statement captured is "Get started for free", alongside a help-centre article titled "Reimbursements pricing"; no per-user or per-card price, card and foreign-currency fees, minimum term or setup costs appear in the captured facts. A buyer cannot compute a real annual cost from these pages. 1 9
The Skeptic
The only pricing signals captured are a "Get started for free" offer and a help-center article titled "Reimbursements pricing". We found no public information on tier prices, per-user or per-card cost, card or foreign-currency fees, minimum seats, term or setup, so a buyer cannot compute an annual cost from these pages. 1 9
European sovereignty — proven facts
0 of 6 dimensions provenBuilt only from facts shown on the vendor's own pages. A dimension we could not prove is left open, not scored as zero.
| Legal entity | Not determined | — | uncited Report an error |
|---|---|---|---|
| Hosting location | Not determined | — | uncited Report an error |
| Hosting options | Not determined | — | uncited Report an error |
| Open source | Not determined | — | uncited Report an error |
| Data processing agreement | Not determined ⚠ unverified | — | uncited Report an error |
| Transfer impact assessment | Not determined | — | uncited Report an error |
Questions about Ramp
Is Ramp European?
Not determined: the vendor’s pages as captured do not say where Ramp is based.
Where does Ramp store data?
Not stated on the vendor’s pages as of 3 Nov 2026.
Does Ramp have a free plan?
Not stated on the vendor’s pages as of 3 Nov 2026.
What are the best alternatives to Ramp?
As of 3 Nov 2026, the panel rates Moss (4/5), N2F (3.5/5) and Spendesk (3.5/5) highest among the other 18 Expense Management products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is Moss (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: how scores are made. The full list, with European products first: Ramp alternatives.
Where this could be wrong
- Evidence ages. The oldest capture behind this page is from 3 Nov 2026. Vendors change pricing and policies without notice; every fact reflects its source as of the capture date shown in the registry.
- Weak sourcing — Data processing agreement. Not confirmed on the vendor’s own pages as captured.
- AI can misread a source. Extraction and judgement are automated; a citation guarantees traceability, not infallibility. If something here is wrong, say so — no account needed, every report is decided within 5 business days, and accepted corrections are published.
What we left out
A claim that does not survive our checks costs us the claim, not the page. This is what was taken off this one.
- 1 compliance fact could not be confirmed on the vendor’s page as captured and was left out of this page and of the panel’s material. Know more? Tell us
- 1 hosting fact could not be confirmed on the vendor’s page as captured and was left out of this page and of the panel’s material. Know more? Tell us
- 1 sovereignty dimension could not be confirmed on the vendor’s own pages and is shown as unknown. Know more? Tell us
Sources (12)
The pages every claim on this page was read from — each one checked, dated, and kept verifiable.
- 1 Vendor page www.ramp.com Checked 3 Nov 2026 Details →
- 2 Terms of service — found from the homepage ramp.com Checked 3 Nov 2026 Details →
- 3 Receipt capture & expense claims — found from sitemap support.ramp.com Checked 3 Nov 2026 Details →
- 4 Receipt capture & expense claims — found from sitemap support.ramp.com Checked 3 Nov 2026 Details →
- 5 Company cards & spend control — found from sitemap support.ramp.com Checked 3 Nov 2026 Details →
- 6 Company cards & spend control — found from sitemap support.ramp.com Checked 3 Nov 2026 Details →
- 7 Approval workflows & expense policy — found from sitemap support.ramp.com Checked 3 Nov 2026 Details →
- 8 Approval workflows & expense policy — found from sitemap support.ramp.com Checked 3 Nov 2026 Details →
- 9 Reimbursement, travel allowances & VAT — found from sitemap support.ramp.com Checked 3 Nov 2026 Details →
- 10 Reimbursement, travel allowances & VAT — found from sitemap support.ramp.com Checked 3 Nov 2026 Details →
- 11 Accounting handoff & DATEV — found from sitemap docs.ramp.com Checked 3 Nov 2026 Details →
- 12 Accounting handoff & DATEV — found from sitemap support.ramp.com Checked 3 Nov 2026 Details →