# Ramp

Corporate cards, expenses, and bill pay with a $0 plan, an official remote MCP, and a CLI with an agentic-purchase skill.

Ramp is a hosted spend platform: cards, expense management, accounts payable, and accounting sync to QuickBooks and Xero on a free plan. Ramp publishes an MCP server at mcp.ramp.com/mcp (demo data at demo-mcp.ramp.com) and a CLI over the same agent-tools backend, so an agent can search transactions, approve or reject requests, code transactions, submit reimbursements, and, with Agent Cards, make a scoped one-time purchase.

Alternative to: Brex, Expensify, SAP Concur

- Capabilities: operable
- Vertical: support-bookkeeping
- Shape: product
- Form factor: api
- Execution model: deterministic
- Provenance: human-written (recorded, never ranked)
- Last activity: unknown
- Page: apps/ramp.html
- JSON: apps/ramp.json

## Use it when

- we run our cards and expenses on Ramp's free plan and want the agent to code last week's transactions and chase missing receipts before the QuickBooks sync
- we want an agent to buy a scoped item once with a merchant-locked card instead of sharing a company card number

## Gotchas

- US businesses only; card approval is an underwriting step, not a signup
- Custom MCP clients need redirect-URI allowlisting through Ramp support before production; the shared Ramp OAuth client must be used
- Read-write sessions expire 24 hours after last use; admins control MCP access per employee under Integrations
- CLI is built on api.ramp.com/agent-tools, which is closed to external clients

## Editions

- Free: $0 per user/month, closed source
  - hosted: https://ramp.com/pricing
- Plus: $15 per user/month plus platform fee, closed source
  - hosted: https://ramp.com/pricing
- Enterprise: Free, closed source
  - hosted: https://ramp.com/pricing

## Operable: what an agent can drive

Operability: official. Interface: mcp at https://mcp.ramp.com/mcp (published by the builder, remote).

### Reach (partial coverage)

- Search transactions and export spend: reachable. docs.ramp.com build-for-ai-agents: search transactions by merchant, amount, date, or user; full spend exports and SQL-style analysis (admins)
- Approve or reject transactions, reimbursements, and requests: reachable. same guide: approve or reject transactions, reimbursements, and unified requests
- Code transactions to accounting categories: reachable. same guide: edit transaction memos, fund assignment, accounting categories, and trip assignment
- Submit and resubmit reimbursements: reachable. same guide: submit and resubmit reimbursements
- Answer policy questions: reachable. same guide: policy Q&A from natural-language prompts; Help Center search
- Make a purchase with a scoped card: reachable. Agent Cards: merchant- and amount-scoped credential requested before one checkout; CLI skill agentic-purchase; needs an active fund
- Manage trips and bookings: reachable. same guide: create trips, view trips, connect transactions to trips, retrieve flight and hotel bookings
- Load vendors, departments, entities, balances: reachable. same guide: load vendor lists, accounting categories, tracking categories, departments, entities, treasury balances, org chart
- Approve bills: not reachable. same guide: bill approvals aren't yet available through MCP
- Issue cards and set card controls: undetermined. not listed among MCP capabilities; Developer API has cards-and-funds

## Code stack

- Languages: none
- Frameworks: none
- Package manager: none
- Database: none
- Hosting target: none

## Evidence and confidence

- formFactor: hosted platform; remote MCP and CLI (confidence 0.95)
- executionModel: the interface is deterministic API access; Ramp's own AI features are server-side (confidence 0.85)
- operability: docs.ramp.com llms-guides: MCP server at https://mcp.ramp.com/mcp, sandbox demo-mcp.ramp.com/mcp, browser OAuth (confidence 0.95)
- editions: ramp.com/pricing: Free $0/mo/user with QuickBooks Online and Xero integrations and basic accounting rules; Plus $15/mo/user plus platform fee (confidence 0.9)
- active: developer changelog feed and AI-agents guide published 2026
- reach:  (confidence 0.9)

## Open questions

- Whether MCP access is included on the Free plan or gated to Plus
- Card issuance through MCP

## Sources

- https://docs.ramp.com/llms-guides/ai-agents.txt (sourcing:support-bookkeeping:vendor)
- https://github.com/ramp-public/ramp_mcp (sourcing:support-bookkeeping:registries)
- https://docs.ramp.com/llms-guides/build-for-ai-agents.txt (analysis)
- https://ramp.com/pricing (analysis)