# Ramp pricing and cost per invoice **URL:** https://payablesbrief.com/cost/ramp/ **Published:** 2026-10-04 **Modified:** 2026-10-04 **Author:** Payables Brief desk > Ramp pricing: published plans and payment fees from the vendor's own site, and the monthly cost and cost per invoice at 1,000, 5,000 and 25,000 invoices a month. --- Cost record # Ramp pricing and cost per invoice Per-user monthly plans including a free plan, plus published Bill Pay fees per payment; several fees are waived when paid from a Ramp checking account Published pricing [Payables Brief desk](https://payablesbrief.com/about/) Updated 4 October 2026 [Some vendors pay us to verify and carry their pricing. Payment never changes a cost figure, a rank or a verdict.](https://payablesbrief.com/how-we-make-money/) ## Summary Ramp's Free plan carries no monthly seat fee, with Bill Pay fees charged per payment sent by ACH, check or wire. At 5,000 invoices a month those payment fees are the entire $8,002 monthly total, since the Free plan has no stated user cap or price at any of the three tiers. Ramp publishes no credit or debit card fee at all, so that scenario shows no figure rather than a free one. [![Ramp approval flow builder and permissions screens for accounts payable](https://payablesbrief.com/shots/ramp/product.webp)](/shots/ramp/product.webp) Ramp accounts payable product page, captured 4 October 2026 What drives the cost - Payment volume: a blended fee of $1.8405 a payment across ACH, check and international wire is the entire monthly cost. - Seats: the Free plan has no stated user cap, so it applies at every tier with no subscription fee. - Card payments: no published fee, a gap in Ramp's own disclosure, not a $0 cost. ## Cost at 1,000, 5,000 and 25,000 invoices a month Ramp: cost per invoice at 5,000 a month $1.60 Free Cost per invoice a month **Ramp: monthly cost and cost per invoice at three volumes** | Invoices a month | Plan | Monthly cost | Cost per invoice | | --- | --- | --- | --- | | 1,000 | Free | $1,600.43 | $1.60 | | 5,000 | Free | $8,002.17 | $1.60 | | 25,000 | Free | $40,010.87 | $1.60 | Card payment scenarioRamp's Bill Pay fee schedule lists no credit or debit card payment fee at all. This is a gap in Ramp's own disclosure, not a $0 cost, so no figure is shown for this scenario. Line items at 1,000 invoices a month | Item | Working | Amount | | --- | --- | --- | | Subscription (Free) | Free plan, $0 a user a month. Ramp publishes no user or seat cap on this plan, so it stays in use at every tier. | $0.00 | | Payment fees, headline mix: ACH, check and international wire (Free (Bill Pay fees apply platform-wide)) | 869.6 payments a month (1,000 invoices / 1.15 invoices a payment) at a blended $1.8405 a payment | $1,600.43 | | Monthly total | $1,600.43 | | Line items at 5,000 invoices a month | Item | Working | Amount | | --- | --- | --- | | Subscription (Free) | Free plan, $0 a user a month. Ramp publishes no user or seat cap on this plan, so it stays in use at every tier. | $0.00 | | Payment fees, headline mix: ACH, check and international wire (Free (Bill Pay fees apply platform-wide)) | 4,347.8 payments a month (5,000 invoices / 1.15 invoices a payment) at a blended $1.8405 a payment | $8,002.17 | | Monthly total | $8,002.17 | | Line items at 25,000 invoices a month | Item | Working | Amount | | --- | --- | --- | | Subscription (Free) | Free plan, $0 a user a month. Ramp publishes no user or seat cap on this plan, so it stays in use at every tier. | $0.00 | | Payment fees, headline mix: ACH, check and international wire (Free (Bill Pay fees apply platform-wide)) | 21,739.1 payments a month (25,000 invoices / 1.15 invoices a payment) at a blended $1.8405 a payment | $40,010.87 | | Monthly total | $40,010.87 | | Each figure is a monthly cost worked out from the prices on the vendor's own site, using the volume, user and payment assumptions in the [pricing methodology](https://payablesbrief.com/methodology/#assumptions). Implementation fees, unpublished connector fees and negotiated discounts are not included. Prices as of 4 October 2026. ## Plans and prices [![Ramp pricing cards for Free, Plus and Enterprise plans](https://payablesbrief.com/shots/ramp/pricing.webp)](/shots/ramp/pricing.webp) Ramp pricing page, captured 4 October 2026 **Ramp plans as published on its own site** | Plan | Price | What it includes | On the vendor's site | | --- | --- | --- | --- | | Free | $0 per user per month | QuickBooks Online and Xero sync | Free $0/mo/user [Pricing page](https://ramp.com/pricing) | | Plus | $15 per user per month, plus a platform fee based on team size | NetSuite, Sage Intacct, Acumatica and Dynamics 365 Business Central sync; 20% off with annual billing | Plus $15/mo/user + Platform fee based on team size. Save 20% with annual billing [Pricing page](https://ramp.com/pricing) | | Enterprise | Custom annual billing | Adds Workday, Oracle Fusion Cloud and Dynamics Finance and Operations | Enterprise Custom. Annual billing [Pricing page](https://ramp.com/pricing) | Prices as of 4 October 2026. ## Payment fees **Ramp payment fees as published on its own site** | Payment method | Fee | Note | Source | | --- | --- | --- | --- | | Standard ACH | $0.59/transaction | Effective 1 June 2026, with a three-month grace period for existing Bill Pay customers | [Fee schedule](https://support.ramp.com/bill-pay-fees) | | Same-day ACH | $10/transaction | | [Fee schedule](https://support.ramp.com/bill-pay-fees) | | Domestic wire | $15/transaction | | [Fee schedule](https://support.ramp.com/bill-pay-fees) | | International wire (SWIFT USD) | $20/transaction | | [Fee schedule](https://support.ramp.com/bill-pay-fees) | | Standard check | $1.99/transaction | Effective 1 June 2026, with a three-month grace period for existing Bill Pay customers | [Fee schedule](https://support.ramp.com/bill-pay-fees) | | Overnight check delivery | $20/transaction | | [Fee schedule](https://support.ramp.com/bill-pay-fees) | | Check attachments | $1/page | | [Fee schedule](https://support.ramp.com/bill-pay-fees) | | Stablecoin payments | No fee | | [Fee schedule](https://support.ramp.com/bill-pay-fees) | | 1099 filing (NEC and MISC) | $0.65 per IRS filing, free state filing | | [Fee schedule](https://ramp.com/pricing) | ## ERP integrations **Ramp integrations with six ERPs** | ERP | Fit | Detail | | --- | --- | --- | | [NetSuite](https://payablesbrief.com/erp/netsuite/) | Some plans | Plus and Enterprise | | [Sage Intacct](https://payablesbrief.com/erp/sage-intacct/) | Some plans | Plus and Enterprise | | [Dynamics 365](https://payablesbrief.com/erp/dynamics-365/) | Some plans | Business Central on Plus; Finance and Operations on Enterprise | | [QuickBooks](https://payablesbrief.com/erp/quickbooks/) | Integrates | All plans, including Free | | [Xero](https://payablesbrief.com/erp/xero/) | Integrates | All plans, including Free | | SAP | No credit | | ## At a glance Website [ramp.com](https://ramp.com/) Who it is for Free plan for smaller teams; Plus for teams that want more automation; Enterprise for full customization Ownership Private, venture-backed G2 rating 4.8 out of 5 from 2,536 reviews on [G2](https://www.g2.com/products/ramp-financial-ramp/reviews) (Rating covers the whole Ramp platform, not Bill Pay alone) ## Change log 1. 4 October 2026 Record created ## Sources 1. [Ramp pricing page](https://ramp.com/pricing) 2. [Ramp payment fees](https://support.ramp.com/bill-pay-fees) 3. [Ramp on G2](https://www.g2.com/products/ramp-financial-ramp/reviews)