← Embedded Finance Index 2026/Vendor

Ramp

Provider

Spend / AP Treasury Management

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 28 companies across 2 categories.

ramp.com ↗Also analysed as a company — its own stack →

CategoriesSpend / AP, Treasury Management
Rank#3 of 74 in Spend / AP
Buyers28 companies
HeadquartersNew York City, United States
Founded2019
FoundersEric Glyman, Karim Atiyeh, Gene Lee
Raisedunknown

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Founders & story · from Ramp’s own dossier

Founded 2019 as a corporate-card challenger to Brex, pitched as the first card that helps companies spend less. Built on Stripe Issuing from day one rather than going BaaS-direct. Expanded methodically from cards into bill pay, procurement, travel, and AP — becoming a horizontal spend-management OS. In 2025 pushed deeper into banking-adjacent territory with Ramp Treasury (yield) and Ramp Operating Account (JPMorgan-backed business banking), plus an embedded payments API turning Ramp itself into infrastructure for marketplaces and travel platforms. The AI-agent layer ('Ramp Intelligence') is the current product narrative.

Latest round: Secondary, 2025

Recent developments

2026-09-22Launched Ramp Accounts Receivable — invoice-to-cash automation (contracts and POs turned into invoices, AI-drafted collections follow-ups, payment-to-invoice matching, revenue-recognition schedules synced to the ERP). Its most-requested feature; in beta since summer 2026 with over 100 businesses invoicing. Available to US single-entity businesses on QuickBooks Online and NetSuite, other ERPs to follow. Ramp now covers payables, receivables and banking. source ↗
2026-09-15Launches in the UK — corporate cards on Visa, bill pay, expense management and AI token spend management — its first market outside North America, operating on the UK and EU payments authorisations acquired with Billhop in March 2026; ElevenLabs and Attio named as UK customers. source ↗
2026-03Updated subprocessor list to add Modal, Together AI, Cerebras (AI inference) source ↗
2026-03Acquires Billhop, a Stockholm / London payments platform, gaining UK and EU payments authorisations for expansion across Europe. source ↗

Acquisitions

Billhop2026

Stockholm / London payments platform acquired March 2026; brought the UK and EU payments authorisations that Ramp's European expansion and September 2026 UK launch run on.

Full dossier: Ramp’s own stack, layer by layer →

Who uses Ramp

28 companies disclose Ramp in their stack

Zola SoftLedger Sage Intacct Odoo Grasshopper Bank ADP Ignite Spot Accounting Zilliqa UKG Pro Xero Oyster Financial Barrys+16 more

Buyer mix · 28 of 28 classified

Horizontal SaaS / Accounting · 9Horizontal SaaS / HR & Payroll · 4Bank / National · 2Fintech / Crypto · 2Bank / Community · 1Bank / Sponsor · 1Fintech / SMB banking · 1Infrastructure / AI Voice & Audio · 1

US · 22 EU · 2 APAC · 2 UK · 1

What the disclosures say

Zola

“Ramp customer case study (ramp.com/customers/zola) explicitly names Zola and quotes Zola VP Controller Joe Horn: 'Ramp has been a huge, huge lifesaver and time saver for us.' The case study describes Zola replacing a manual expense management system with Ramp for corporate spend visibility, expense report processing, a…”

SoftLedger

“SoftLedger provides crypto subledger/accounting with integrations to exchanges including Binance and Poloniex (named in privacy policy as example sync sources); it does not issue stablecoins or operate on/off-ramps itself.”

Sage Intacct

“Ramp hosts a dedicated 'Ramp & Sage Intacct Integration' page describing a Sage-verified marketplace partnership.”

Odoo

“Ramp + Odoo integration documented at paraconsulting.co/knowledge-base/ramp-odoo-integration explicitly names both platforms.”

Grasshopper Bank

“Press release on grasshopper.bank/press-releases/grasshopper-partners-with-ramp-to-provide-small-and-mid-size-business-customers-with-access-to-corporate-cards-and-financial-automation-software/ confirms January 2023 referral partnership with Ramp.”

ADP

“apps.adp.com/en-US/apps/413415/ramp-expense-management-solution — Ramp's ADP connector syncs employee data; CashFlow Central in RUN provides bill pay and invoicing natively.”

The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Ramp? Claim this profile above to unlock your own full list.

What Ramp runs on · from its own dossier

The third-party providers Ramp itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Ramp.

PSP

Stripe Connect

Sponsor Bank

JPMorgan First Internet Bank of Indiana Celtic Bank Sutton Bank Lead Bank Column

BaaS

Stripe Issuing First Internet Bank of Indiana JPMorgan

unknown

Full dossier with evidence for each layer →

Alternatives to Ramp

Other Spend / AP providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

BILL40 buyers →Brex39 buyers →Tipalti19 buyers →Pleo16 buyers →Findity12 buyers →Melio10 buyers →Pliant9 buyers →Soldo9 buyers →

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Ramp — frequently asked

Which companies use Ramp?

28 companies disclose Ramp in their stack in the Embedded Finance Index 2026, including Zola, SoftLedger, Sage Intacct, Odoo, Grasshopper Bank, ADP, Ignite Spot Accounting, Zilliqa, UKG Pro, Xero and 2 others.

What does Ramp do?

Ramp is an embedded-finance provider in Spend / AP and Treasury Management. It ranks #3 of 74 Spend / AP providers by disclosed buyers.

What are the alternatives to Ramp?

The most-disclosed Spend / AP alternatives to Ramp are BILL (40 buyers), Brex (39 buyers), Tipalti (19 buyers), Pleo (16 buyers), Findity (12 buyers) and Melio (10 buyers).

Who founded Ramp?

Ramp was founded by Eric Glyman, Karim Atiyeh and Gene Lee and is founded in 2019, headquartered in New York City, United States.

How much funding has Ramp raised?

Ramp has raised unknown in total.

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