Ramp

About Ramp

Ramp is a corporate card and spend management platform designed to help businesses control costs and automate expense management. Founded in 2019, Ramp has quickly become a leading spend management solution for startups and growing companies, combining corporate cards with software that tracks, categorizes, and controls business spending.

Ramp is designed for finance teams and business owners who want automated expense tracking, policy enforcement, and better visibility into company spend. Their customers range from early-stage startups to mid-market companies that need modern tools for managing corporate cards, vendor payments, and employee expenses.

Service Offerings

Ramp's core services include:

• Corporate Cards: Business credit cards with automated receipt matching, real-time spend tracking, and customizable spending controls.
• Expense Management: Automated expense categorization, policy enforcement, and approval workflows for employee spending.
• Bill Pay: Vendor bill payment with approval routing and integration into accounting systems.
• Spend Intelligence: AI-powered insights into spending patterns, duplicate subscriptions, and cost-saving opportunities.

Ramp operates as a fintech platform with integrated card issuing, spend tracking software, and direct accounting system integrations. Transactions are automatically categorized and synced to QuickBooks Online or other accounting platforms, reducing manual bookkeeping work.

Approach and Positioning

Ramp positions itself as spend management that pays for itself through cost savings, automation, and cash back rewards. Unlike traditional corporate card programs, Ramp uses software and AI to actively help businesses reduce spending through automated insights, duplicate detection, and policy enforcement.

What sets Ramp apart is their focus on saving money rather than just tracking it. The platform proactively identifies subscriptions to cancel, vendors to renegotiate, and spending patterns that suggest waste or inefficiency.

Key strengths include:

• Automated expense categorization integrated with accounting systems
• Proactive cost-saving recommendations and duplicate detection
• Modern software experience with strong mobile app
• Competitive cash back rewards and credit terms

How Omniga Compares to Ramp

Ramp is a spend management and corporate card platform, while Omniga is a finance orchestration platform—they serve different parts of the finance stack and typically work together rather than compete.

Ramp focuses on the front end of spending: issuing cards, tracking expenses, enforcing policies, and automatically categorizing transactions before they reach the books. Omniga focuses on finance operations: orchestrating workflows across all transaction sources (including Ramp), managing review queues, and producing management reporting. In practice, Ramp expense data flows into the accounting system, and Omniga helps finance teams review, refine categorization, and incorporate that spend into broader financial analysis.

Key differences:

• Focus: Ramp focuses on spend management, corporate cards, and automated expense tracking; Omniga focuses on finance orchestration, bookkeeping workflows, and management reporting across all data sources
• Users: Ramp serves employees submitting expenses and finance teams enforcing spend policies; Omniga serves finance teams, bookkeepers, and fractional CFOs managing complete finance operations
• Integration: Ramp is one transaction source feeding data into accounting; Omniga orchestrates across all sources (bank feeds, Ramp, payroll, etc.) to manage the complete finance workflow

Many businesses use both: Ramp handles their corporate spend and expense management with automated categorization, while Omniga helps their finance team orchestrate workflows, review transactions from all sources including Ramp, and produce comprehensive management reporting.