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SPECIFICTION
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Ramp Bill Pay

ramp.com

From $15/mo Free plan WebiOSAndroid
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Spec score 8.0 #11 of 32 in Accounts Payable Automation Software

What it is

Ramp Bill Pay handles accounts payable tasks including invoice processing, approvals, vendor management and payments. Ramp says its OCR captures invoice details and line items with 99% accuracy. It checks invoice line items against purchase orders through two-way and three-way matching, then routes bills using configurable approval flows, roles and permissions. Payment options include card, ACH, check and wire, including international payments. The free plan includes Bill Pay without a monthly software fee, though payment fees vary by method and certain ERP integrations require Ramp Plus. Plus costs $15 a month and adds advanced AP features such as auto-coded line items, AI-driven approval recommendations, batch payments and payment release approvals; annual billing is listed with a 20% saving. Enterprise pricing is custom. Listed accounting integrations include NetSuite, Sage Intacct, Zoho Books, Xero, QuickBooks and Microsoft Dynamics 365 Business Central. Ramp says it undergoes annual SOC 2 Type II audits and complies with PCI security standards. SSO and MFA are supported. The service is available on Android, iOS and web.

Spec sheet

Product
Ramp Bill Pay is an AI-powered accounts payable solution for invoice processing, approvals, vendor management, and payments.Read 2 Oct 2026 · ramp.com
Intended users
Ramp describes Bill Pay as suitable for small businesses, growing companies, mid-sized companies, and multi-entity organizations.Read 2 Oct 2026 · ramp.com
Integrations
Ramp lists accounting integrations including NetSuite, Sage Intacct, Zoho Books, Xero, QuickBooks, and Microsoft Dynamics 365 Business Central.Read 2 Oct 2026 · ramp.com
Security
Ramp says it undergoes annual SOC 2 Type II audits and complies with PCI security standards.Read 2 Oct 2026 · ramp.com
Support
Ramp lists 24/7 chat support in its plan comparison; Plus includes 24/7 phone support for travel bookings.Read 2 Oct 2026 · ramp.com
Founded
2019Read 23 Sep 2026 · ramp.com
Approvals
Ramp automatically routes bills to approvers and supports configurable approval flows, roles, and permissions.Read 2 Oct 2026 · ramp.com
Company location
Ramp Business Corporation lists its address as 28 West 23rd Street, Floor 2, New York, NY 10010.Read 2 Oct 2026 · ramp.com
Invoice capture
Ramp says its OCR captures invoice details and line items with 99% accuracy.Read 2 Oct 2026 · ramp.com
Limits
Ramp does not support Zelle payments, and Bill Pay check payments are mailed by Ramp rather than printed by the customer.Read 2 Oct 2026 · support.ramp.com
Login protection
Ramp supports SSO for Okta, Google, and Microsoft Azure and says MFA is available for every user.Read 2 Oct 2026 · ramp.com
Matching
Ramp checks invoice line items against purchase orders using two-way and three-way matching.Read 2 Oct 2026 · ramp.com
Payment methods
Bill Pay supports card, ACH, check, and wire payments, including international payments.Read 2 Oct 2026 · ramp.com

Plans and prices

Free Free Ramp Bill Pay included with no monthly software fee · payment fees vary by method · certain ERP integrations require Ramp Plus Read 2 Oct 2026 · ramp.com
Plus $15 a month Save 20% with annual billing Advanced AP features include auto-coded line items, AI-driven approval recommendations, automated batch payments and payment release approvals Read 2 Oct 2026 · ramp.com
Enterprise Priced on request Annual billing Custom pricing · contact sales Read 2 Oct 2026 · ramp.com

Every Ramp Bill Pay plan and price →

Strong points and limits

Strong points

  • Two-way and three-way invoice matching.
  • Configurable approval flows, roles and permissions.
  • Supports card, ACH, check and wire payments.
  • Free plan has no monthly software fee.
  • Available on Android, iOS and web.

Limits

  • Payment fees vary by method.
  • Some ERP integrations require Ramp Plus.
  • Check payments are mailed by Ramp.
  • Zelle payments are not supported.

Who it suits

Ramp describes Bill Pay as suitable for small and growing businesses, mid-sized companies and multi-entity organizations. It fits teams that need invoice matching, approval workflows and multiple payment methods.

Verdict

Ramp Bill Pay covers invoice capture through payment, with a free tier and paid advanced AP features. Check payment handling, payment fees and ERP access requirements before choosing a plan.

Where Specifiction places it

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