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
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.
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
| 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 | |
Plans and prices
| Plan | Price | What it includes | On the vendor's site |
|---|---|---|---|
| Free | $0 per user per month | QuickBooks Online and Xero sync | Free $0/mo/userPricing page |
| 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 billingPricing page |
| Enterprise | Custom annual billing | Adds Workday, Oracle Fusion Cloud and Dynamics Finance and Operations | Enterprise Custom. Annual billingPricing page |
Prices as of 4 October 2026.
Payment fees
| 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 |
| Same-day ACH | $10/transaction | Fee schedule | |
| Domestic wire | $15/transaction | Fee schedule | |
| International wire (SWIFT USD) | $20/transaction | Fee schedule | |
| Standard check | $1.99/transaction | Effective 1 June 2026, with a three-month grace period for existing Bill Pay customers | Fee schedule |
| Overnight check delivery | $20/transaction | Fee schedule | |
| Check attachments | $1/page | Fee schedule | |
| Stablecoin payments | No fee | Fee schedule | |
| 1099 filing (NEC and MISC) | $0.65 per IRS filing, free state filing | Fee schedule |
ERP integrations
| ERP | Fit | Detail |
|---|---|---|
| NetSuite | Some plans | Plus and Enterprise |
| Sage Intacct | Some plans | Plus and Enterprise |
| Dynamics 365 | Some plans | Business Central on Plus; Finance and Operations on Enterprise |
| QuickBooks | Integrates | All plans, including Free |
| Xero | Integrates | All plans, including Free |
| SAP | No credit |
At a glance
- Website
- 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 (Rating covers the whole Ramp platform, not Bill Pay alone)
Change log
- Record created