“Ramp just raised roughly $1B at ~$60B -- making it one of the most valuable private fintechs alive. They started as a corporate card. Now they're eating spend management, bill pay, procurement, and accounting. The playbook: get the card in the door, then replace the entire”
“Is this tracking just Ramp credit card spend? If so it’s a stupid and misleading headline. If you are a very high spender on AI, the labs are going to force you to pay with ACH.”
“the other question is now how much of that value Ramp can capture without increasing prices or losing the simplicity that helped it grow to this stage”
“Ramp is an excellent credit card and payment platform but not sure it will do all that you want. However, we are back to the multiple financial institution concept.”
“I've used services like Melio and Ramp to pay people--it does checks, ACH, and payment cards. You can have multiple users with different levels of access. They also collect W-9 info so you can have that for the end of the year.”
“There is currently no setting in Ramp to disable or customize prepending the cardholder's name to the description field during sync. It would be nice for this to be an option.”
“That pushed us to get Ramp mainly for its receipt matching and automated expense coding. Most normal transactions now get matched and categorized without us touching them so we spend our time reviewing the unusual ones instead of chasing every cardholder before close.”
“Hey people this is maybe a more general post but since this might relate to Ramp as well, wanted to ask others what finance task still eats up most of your time every week.”
“If you are single entity on QBO and mostly sending one-off invoices then Ramp AR is worth testing. I would not make it the center of a growing AR process yet. Based on what people are describing, recurring billing and multientity support are still meaningful gaps.”
“I’ve been looking at Ramp Stack and their approach is closer to having AI coworkers take on those recurring accounting workflows with the accountant still reviewing and signing off where needed and I think it makes more sense for capacity because you’re changing how much work needs active human attention.”
“that’s a gap we're trying to solve with Ramp’s token spend which pulls AI spend across providers into one view and gives you a cleaner way to see where the usage is coming from. I think its pretty neat”
“If you have a complicated customer walkthrough or one that requires a certain CRM/POS software, then adding Ramp seems redundant if your payment processor already plays nicely with your POS.”
“I finally told Ramp that “John no longer walks this Earth so please take him off the contact list”. A week later they were still calling to speak to deceased John.”
“Ramp still labels Receivables as beta and says it’s available to eligible businesses for now. I’d check whether it appears in your Ramp account and ask Ramp support if you need a firm timeline.”
“We use them for AP too and I'd love it if they built that out, managing receivables in a separate system while everything outgoing sits in Ramp feels properly disjointed.”
“We’ve got the outgoing side pretty consolidated at this point but customer invoices and collections are still handled separately which has started to feel a little backwards as we’ve grown. I checked around but couldn’t tell if Ramp has an AR product or if they’re still mostly focused on the spend/AP side.”
“On the Ramp caps, they tell you the money went, they do not stop a run mid-flight. If a runaway loop is the thing you are actually afraid of, the ceiling has to sit where calls are dispatched.”
“Right now we're setting budget limits per project key with Ramp’s AI token spend management, so we at least have a financial safety net for now. I'm currently looking into setting up context trimming / state summarization, along with prompt caching for certain prompts.”
“I would separate the budgeting question from the accounting question too cause like we use Ramp Token Spend to manage how much we’re comfortable spending on AI but that doesn’t mean every dollar needs to get assigned back to a client project (those can be two different decisions).”
“Cool but weird Ramp does this? Companies hate when journalists report data like this, but at least that's the job of a journalist. This is not the job of a corporate card issuer.”