Used For

• +**Chasing paper receipts for 10 hours every week** → Snap photos, auto-categorize, sync to QuickBooks without touching a spreadsheet
• +**Paying the same Slack bill twice because nobody caught the duplicate invoice** → AI flags mismatched invoices even when amounts differ slightly
• +**Employees going rogue on business expenses with zero visibility** → Real-time spending limits per person, instant card locks when they hit Barnes & Noble instead of office supplies
• +**Manual bill payments eating up your accountant's entire day** → One-click ACH payments with automatic matching to purchase orders
• +Unlimited virtual cards for every vendor - no more sharing one card number and praying nobody gets hacked

Best For

• >Your accountant spends 20 hours a week chasing receipts and you're tired of paying someone to do data entry
• >You're bleeding money on duplicate SaaS subscriptions and ghost software licenses
• >Scaling past the point where personal credit cards work but before you can afford a full finance team

Not For

• -Solo founders or teams under 10 people — you don't have enough spend to justify the setup time
• -Companies wanting to keep using their existing Amex rewards ecosystem — you're locked into Ramp's 1.5% cash back
• -Enterprise teams needing custom ERP integrations — this is built for standard accounting tools, not Oracle customizations

Pairs With

• *QuickBooks (where all your categorized expenses automatically sync instead of manual data entry hell)
• *NetSuite (for larger companies that need the expense data flowing into their full ERP system)
• *Slack (where finance gets notifications about policy violations and overspending alerts)
• *Microsoft Teams (where you can ask AI chatbots about Q4 travel spend mid-meeting instead of digging through reports)
• *Priceline (built-in travel booking that automatically codes to the right expense categories)
• *Xero (another accounting sync option for companies that don't use QuickBooks)

The Catch

• !You're stuck with their 1.5% cash back rate forever — no churning credit card bonuses or optimizing rewards categories
• !Receipt OCR fails on blurry photos about 20% of the time, so you'll still be re-snapping coffee receipts
• !The AI is great at catching obvious duplicates but still needs human eyes for complex vendor billing situations

Bottom Line

Free corporate card with 1.5% cash back that saves you from receipt hell and catches duplicate invoices your accountant missed.