Provider profile · 2026 edition
Ramp review 2026: scores, pricing and alternatives.
A corporate card and finance platform covering expenses, travel, bill pay and procurement.
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A corporate card and finance platform covering expenses, travel, bill pay and procurement.
Ramp is ranked in 2 Buckingham Intelligence indices. Its highest score is 4.7 out of 5 (93 out of 100) in the Expense Cards and Spend Management Index, where it ranks 3 of 12. It is strongest for US firms wanting cards, bills, travel and procurement on one platform, with 5 out of 5 for product coverage, global reach, regulatory standing and spend controls. Not published or not stated on the pages read: integration.
Also ranked in: Stablecoin Settlement Index (3.0 out of 5, rank 7 of 14).
Scores from the Expense Cards and Spend Management Index and Stablecoin Settlement Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For startups and small firms | 91 | 3 of 12 |
| For mid-market and multi-country groups | 94 | 2 of 12 |
| For regulated financial firms | 94 | 2 of 12 |
| Segment | Score out of 100 | Rank |
|---|---|---|
| For receiving from buyers | 64 | 6 of 14 |
| For paying suppliers | 64 | 6 of 14 |
| For treasury and holding | 56 | 8 of 14 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
US firms wanting cards, bills, travel and procurement on one platform.
US firms paying suppliers in stablecoins at no fee.
Disclosure. Ramp's stablecoin services are provided by Bridge, which is also assessed in this index.
What Ramp publishes on its own pages, read on 21 and 26 October 2026.
A corporate card and finance platform covering expenses, travel, bill pay and procurement. It publishes plan prices, the widest list of ERP connections in this edition, named card issuers in the US, Canada, UK and EEA, and SOC 2 Type II. The Plus plan adds a platform fee that is not published.
| Fact | What the provider publishes |
|---|---|
| Product coverage | Corporate Card; Travel & Expense with flight, hotel and car booking; reimbursements; Accounts Payable; Procurement as an add-on to Plus or Enterprise. |
| Pricing | Free: "$0/mo/user". Plus: "$15/mo/user + Platform fee based on team size". Enterprise: custom. 1099 filing "$.65 per IRS filing". |
| Global reach | "Local currency card issuing in 30+ countries" on Enterprise; platform "available in 190+ countries". |
| Integration | QuickBooks Online and Xero; NetSuite, Sage Intacct, Acumatica and Microsoft Dynamics 365 Business Central on Plus; Workday and Oracle Fusion Cloud on Enterprise. |
| Regulatory standing | Cards issued in the US by Celtic Bank, Column N.A., Sutton Bank and Lead Bank; in the UK by "Stripe Payments UK Limited, an electronic money institution authorized by the Financial Conduct Authority (firm reference number: 900461)"; in the EEA by Stripe Technology Europe Limited (Central Bank of Ireland C187865). Annual SOC 2 Type II audits. |
| Spend controls | "Category and vendor controls"; cards lock automatically "when required receipts or items aren't submitted on time"; approval workflows routed by GL code and entity; "Auto-receipt collection and matching". |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: ramp.com/pricing, ramp.com/global, ramp.com/security.
Ramp, the US spend management company, gives US businesses a stablecoin account for USDC, USDT and OUSD with no on-ramp or off-ramp fee and gas covered. Custody and stablecoin services come from Bridge.
| Fact | What the provider publishes |
|---|---|
| Legal status | 'Ramp Business Corporation is not a bank or a digital asset custodian.' NMLS registrations: Ramp Payments Corporation (2371465), Ramp Financing Corporation (2431387). 'Stablecoin custody and other services are provided by Bridge Building Inc and its affiliates.' |
| Licences | No licence covering the stablecoin account is named. |
| Stablecoins and networks | USDC, USDT and OUSD; deposit networks 'Base, Ethereum, Polygon, Arbitrum, Optimism, Solana, and Tempo'. |
| Bank rails | USD funding 'by ACH or wire', converted to stablecoin automatically. |
| Fees | 'No on-ramping or off-ramping fees from USD to stablecoins.' 'Ramp covers gas fees on stablecoin payments from your account.' |
| Settlement | Transfers between stablecoins and USD 'typically take ~1 business day to complete'. |
| Access | 'available to all US-based businesses, except businesses based in New York'; primary entity only. Dashboard. |
| Protection | 'Your funds are held in a custodial segregated wallet'; custody by Bridge Building Inc. |
| Date read | 21 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 21 October 2026 from: ramp.com/stablecoins, support.ramp.com/hc/en-us/articles/….
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Expense Cards and Spend Management Index. 0 means not offered or not published. How it is scored
Each criterion is scored 0 to 5 against the best published offer in the Stablecoin Settlement Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Airwallex | 4.8 | 1 of 12 | Multi-country firms wanting cards, bills and accounts in one place with published prices |
| Brex | 4.7 | 2 of 12 | US and global firms wanting a free plan and local cards in many countries |
| Soldo | 4.0 | 4 of 12 | UK and EU firms wanting a published monthly price and regulated card issuer |
| Spendesk | 3.9 | 5 of 12 | European firms wanting unlimited users and their own regulated card issuer |
| Moss | 3.8 | 6 of 12 | European firms wanting an EU-regulated issuer and EU data hosting |
| Payhawk | 3.8 | 7 of 12 | Multi-entity firms wanting cards, bills, travel and procurement with deep ERP links |
| Pleo | 3.5 | 8 of 12 | UK and European small firms wanting clear per-user prices |
| Mesh | 3.1 | 9 of 12 | US firms wanting travel and SaaS spend on virtual cards |
| Aspire | 3.1 | 10 of 12 | Asian firms wanting a free plan with cards and multi-currency accounts |
| Volopay | 3.0 | 11 of 12 | Firms in Asia-Pacific and the US wanting cards and payouts together |
| Navan | 2.6 | 12 of 12 | Firms under 300 staff wanting free travel booking with expenses |
Full Expense Cards and Spend Management Index ranking
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Circle Mint | 4.0 | 1 of 14 | Minting and redeeming USDC at scale |
| Bridge | 3.7 | 2 of 14 | Moving between stablecoins and local bank rails |
| Brale | 3.6 | 3 of 14 | US businesses wanting a full public price list |
| BVNK | 3.4 | 4 of 14 | Businesses needing US, EU and UK rails together |
| Paxos | 3.3 | 5 of 14 | Fee-free minting of USDG and PYUSD |
| Stripe | 3.1 | 6 of 14 | Taking stablecoin payments at checkout |
| Bitso Business | 2.8 | 8 of 14 | Real-time payouts in Mexico and Brazil |
| Conduit | 2.5 | 9 of 14 | Emerging market firms needing USD accounts and payouts |
| Reap | 2.4 | 10 of 14 | Asian firms paying suppliers from USDC or USDT |
| MoonPay Enterprise | 2.0 | 11 of 14 | Platforms paying out stablecoins as local fiat |
| Revolut Business | 1.9 | 12 of 14 | Firms already banking with Revolut |
| Coinbase Business | 1.9 | 13 of 14 | US and Singapore firms invoicing in USDC |
| Triple-A | 1.1 | 14 of 14 | Merchants in Asia and Europe settling to IBAN |
Side by side on every criterion, fact and award.
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