Ramp API integration services (corporate cards · expense · AP)
Authorized OpenFinance integration for Ramp data: transactions, receipts, reimbursements, bills, and ERP sync
Connect Ramp corporate card and expense data into your finance stack with zero friction
Ramp is a US spend management platform with corporate cards, expense management, accounts payable, travel, procurement, and accounting automation in a single system. We deliver authorized integrations against the Ramp Developer API (transactions, cards, users, bills, reimbursements) plus app-side protocol analysis when teams need flows that the public API does not yet expose.
Why Ramp data matters for OpenData and OpenFinance
Corporate spend is the second-largest controllable cost line in most companies after payroll, and Ramp sits exactly at that intersection — every swipe, vendor invoice, mileage reimbursement, and ACH payment flows through one ledger. Pulling that ledger into your own warehouse turns a closed mobile experience into the same kind of structured financial primitive that OpenBanking transactions provide for consumer accounts: clean line items with merchant, category, GL code, original currency, attachment, approver, and timestamp.
For finance, accounting, and compliance teams the value is twofold. First, real-time transaction streams enable continuous close instead of the traditional month-end scramble — books reconcile as the day progresses. Second, structured Ramp data feeds modern AI workflows that need clean training and inference signals: vendor de-duplication, expense fraud detection, budget variance forecasting, and policy auto-enforcement. Ramp itself shipped policy-enforcing AI agents in July 2025; downstream integrators can build the same class of automation on top of the API.
Our studio focuses on the integration layer — turning Ramp's developer surface (and, where authorized, app-protocol analysis for endpoints not yet exposed publicly) into ready-to-deploy source code. Customers receive a project that already speaks OAuth 2.0 client credentials, paginates through transaction history, retries on rate-limit, and writes into the warehouse or ERP of choice.
What we deliver
Deliverables checklist
- OpenAPI 3.1 specification covering every endpoint we wire up
- Protocol & auth flow report (OAuth 2.0 client credentials, scope catalogue, token refresh)
- Runnable source code (Python or Node.js, with Go on request) for transactions, bills, reimbursements, cards, users
- Webhook receiver with HMAC verification and idempotent storage
- Pytest / Vitest suites against a sandbox tenant plus contract tests
- Compliance pack: data retention, PII minimization, SOC 2 / PCI DSS alignment notes
Engagement models
Two ways to work with us, both pay-after-delivery friendly:
- Source code delivery from $300 — runnable Ramp API client plus documentation; pay only after you accept the build.
- Pay-per-call hosted endpoints — call our managed gateway, pay per successful call, no upfront fee or infrastructure to host.
Sample modules
- Transaction history sync (incremental + backfill)
- Receipt OCR pull and ERP attachment
- Bill pay submission & status reconciliation
- Reimbursement approval workflow mirror
- Card issuance and limit-update automations
- NetSuite / QuickBooks / Xero adapter shims for legacy stacks
Data available for integration (OpenData inventory)
The table below maps each Ramp data domain to the screen or feature where users see it, the granularity available through the developer API, and the typical downstream use case. Use it as a starting point when scoping a project.
| Data type | Source (screen / feature) | Granularity | Typical use |
|---|---|---|---|
| Card transactions | Home feed, "Transactions" tab | Per swipe: merchant, MCC, amount, currency, card, user, GL code, memo, status | ERP posting, fraud monitoring, budget burn-down dashboards |
| Receipts & OCR fields | "Take a picture of your receipt" flow | Image plus parsed line items, tax lines, vendor, date | Three-way matching, VAT/GST capture, audit evidence |
| Reimbursements | "Request reimbursements" flow | Per claim: amount, currency, FX, approver chain, payout method | Out-of-pocket payroll exports, per-diem analytics |
| Bills & vendor payments | Accounts payable module | Invoice headers, line items, ACH/wire/check status, vendor master | AP automation, vendor risk scoring, cash forecasting |
| Spend requests & policies | "Request new spend or temporary spend increase" | Request type, justification, approval state, policy rule hit | Procurement intake, controller review queues |
| Cards & users | "View & lock your cards", "Add to Google Pay" | Card metadata, limits, status, user roles, departments | Provisioning automation, joiner-mover-leaver workflows |
| Accounting field mappings | ERP integration settings | Chart of accounts, classes, departments, custom dimensions | Auto-coding, multi-entity consolidation |
Typical integration scenarios
1. Continuous close into the data warehouse
Context: a Series C company closes books monthly but the FP&A team needs daily burn data. We subscribe to Ramp transaction webhooks, normalize them into a Snowflake or BigQuery fact_card_transaction table, and join with HRIS data on user_id. Fields involved: transaction.id, amount, merchant_name, sk_category, user_id, card_id, memo, receipt_url. Output: a same-day spend dashboard plus accrual seed data for month-end.
2. ERP sync for Sage Intacct or Workday
Context: customer is on an ERP that lacks a first-class Ramp connector. We poll /transactions and /bills with cursor pagination, look up the GL mapping table, and push journal entries through the ERP's REST API. The pipeline preserves multi-entity data and original currency, so the controller can post in USD while operating subsidiaries report in EUR or GBP.
3. Embedded card issuance for a vertical SaaS
Context: a construction tech platform wants to issue project-bound cards to subcontractors. We wrap Ramp's card-issuance endpoints behind the customer's own product, set per-project limits, listen for transaction.created webhooks, and update job-cost reports. The integration follows OpenFinance patterns: scoped tokens per tenant, signed webhooks, immutable audit log.
4. Compliance & audit evidence pack
Context: a SOC 2 audit needs every receipt and approver chain for a sample of 250 transactions. We pull receipts via /receipts, capture the policy rule that fired in spend_request.events, and ship a signed PDF bundle to the auditor's portal. This replaces a multi-day manual export with a 15-minute scripted run.
5. AI co-pilot training data feed
Context: a customer wants to fine-tune an internal model that suggests GL codes based on receipts and merchant names. We expose a clean training-set endpoint that returns {receipt_text, merchant, mcc, accepted_gl, confidence} tuples, anonymized at the user level. This mirrors how Ramp itself uses similar signals to drive AP Agents and AI-assisted coding.
Technical implementation
Auth: OAuth 2.0 client credentials
POST https://api.ramp.com/developer/v1/token
Content-Type: application/x-www-form-urlencoded
Authorization: Basic base64(client_id:client_secret)
grant_type=client_credentials&scope=transactions:read receipts:read bills:read
// Response
{
"access_token": "eyJhbGciOi...",
"token_type": "Bearer",
"expires_in": 3600,
"scope": "transactions:read receipts:read bills:read"
}
Pull paginated transactions
GET /developer/v1/transactions?from_date=2026-04-01&to_date=2026-04-30&page_size=200
Authorization: Bearer <ACCESS_TOKEN>
// Response (truncated)
{
"data": [
{
"id": "tx_01HXZ...",
"amount": 8421,
"currency_code": "USD",
"merchant_name": "AWS",
"sk_category_name": "Cloud Services",
"card_id": "card_01HV...",
"user": {"id": "u_01H...", "email": "ada@acme.io"},
"memo": "April infra",
"receipts": ["rcp_01HV..."],
"accounting_field_selections": [{"field_name": "GL", "value": "6020"}]
}
],
"page": {"next": "cursor:abc123"}
}
Receive a signed webhook
POST /your-app/webhooks/ramp
X-Ramp-Signature: t=1714312800,v1=4d8a...
Content-Type: application/json
{
"event_type": "transaction.created",
"data": {"id": "tx_01HXZ...", "amount": 8421}
}
// Verification (Node.js)
const sig = req.header('X-Ramp-Signature');
const expected = hmacSha256(WEBHOOK_SECRET, `${ts}.${rawBody}`);
if (!timingSafeEqual(expected, sig.v1)) return res.status(400).end();
Submit a vendor bill payment
POST /developer/v1/bills
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json
{
"vendor_id": "ven_01HW...",
"invoice_number": "INV-2026-0421",
"amount": {"value": 12500, "currency_code": "USD"},
"due_date": "2026-05-15",
"payment_method": "ach",
"line_items": [
{"description": "Q2 retainer", "amount": 12500, "gl_account": "6500"}
]
}
// Errors follow RFC 7807 problem+json
HTTP/1.1 422 Unprocessable Entity
{"type": "/errors/validation", "title": "Missing field", "detail": "vendor_id required"}
Compliance & privacy
Ramp is audited annually under SOC 1, SOC 2 Type II, ISO 27001, and PCI DSS. Any integration we build inherits these constraints: encrypted transport, scoped OAuth tokens, no storage of raw PAN, and signed webhook delivery. For US customers we align with state-level data laws (CCPA / CPRA) and, where applicable, with NACHA rules for ACH origination.
For customers operating in Europe, integrations follow GDPR data-minimization principles — only the fields needed for the agreed use case are extracted, retention is documented, and deletion endpoints are exposed. Where corporate spend data crosses regulated boundaries (for example, when reconciling cross-border vendor payments), we follow OpenBanking patterns: explicit scope, short-lived tokens, and consent records you can show an auditor.
We do not perform any work that would violate Ramp's developer terms. App-side protocol analysis is reserved for cases with documented customer authorization (e.g. a customer's own tenant where the public API is incomplete) and is logged accordingly.
Data flow / architecture
Reference pipeline used in most projects:
- Source — Ramp Developer API + webhooks (transactions, receipts, bills, reimbursements).
- Ingestion — Stateless worker (Python or Node) with token cache, exponential back-off, and idempotency keys.
- Storage — Append-only event log (S3 / GCS) plus a normalized warehouse model (Snowflake, BigQuery, or Postgres).
- Output — ERP push (NetSuite, QuickBooks, Xero), BI dashboards, or your own product API for embedded experiences.
The pipeline ships as Terraform-friendly modules so customers can deploy it inside their own VPC if data residency matters.
Market positioning & user profile
Ramp is a B2B fintech platform headquartered in New York and serving primarily US-incorporated companies, with a customer base spanning early-stage startups, mid-market growth companies, and parts of the enterprise segment. Reporting in late 2025 placed Ramp's valuation around the $32B mark following its AI-finance product push. Buyers are typically the CFO, controller, or head of finance, and day-to-day users are employees swiping cards, finance ops staff coding transactions, and engineering teams plugging Ramp into ERPs and BI tooling. The mobile app supports both iOS and Android with light and dark themes, while admin work concentrates in the web dashboard — meaning integration projects almost always involve both surfaces.
Screenshots
Tap any screenshot to view a larger version. These are pulled from the public Google Play listing and used here only as illustrative reference for the integration scenarios above.
Similar apps & integration landscape
Customers comparing Ramp typically also evaluate or already run one of the platforms below. We keep neutral, integration-focused notes for each — most projects we ship include at least one bridge between Ramp and an adjacent system.
- Brex — Corporate cards, banking, bill pay, and travel for venture-backed companies. Joint Ramp + Brex extracts are common when a portfolio standardizes spend reporting.
- Spendesk — Paris-based spend platform with virtual cards and invoice tools, popular in EU mid-market. Customers often need a unified transaction export across both providers.
- Navan (formerly TripActions) — Travel + corporate cards + AP automation. Useful pairing when Ramp covers daily spend and Navan owns travel booking data.
- Rippling — Combines spend with HR and payroll, frequently surfaced as a Ramp competitor; integration work focuses on syncing user, role, and termination events into Ramp card management.
- BILL (BILL.com) — Veteran AP and AR platform; Ramp customers sometimes keep BILL for AR while routing AP through Ramp, requiring a mapped vendor master.
- Tipalti — Mass-payout AP for marketplaces and global suppliers. Integrations bridge Tipalti's payout files with Ramp's bill ledger and ERP postings.
- Coupa — Enterprise spend management; Ramp is the high-velocity card layer feeding Coupa's strategic sourcing and procurement workflows.
- SAP Concur — Long-standing T&E system; migrations to Ramp typically need historical Concur transaction archives loaded into the warehouse alongside live Ramp data.
- Sage Expense Management (formerly Fyle) — Card-agnostic expense tool that connects to existing Visa/Mastercard/Amex; valuable for hybrid stacks where some BUs keep legacy cards.
- Mesh Payments — Travel + non-card spend automation; teams pair Mesh data with Ramp card data for a single vendor view.
- Airbase — Spend management platform combining cards, AP, and reimbursements; comparable surface area to Ramp, often migrated from when consolidating onto Ramp.
- Divvy (BILL Spend & Expense) — Cards and budgets bundled with BILL; common as an upstream system whose data needs to land in the same Ramp-centric warehouse.
About us
We are an independent technical service studio specializing in App interface integration and authorized API integration. The team has a decade of combined experience in mobile applications and fintech, having shipped projects across corporate cards, retail banking, SME lending, and cross-border payments. We have written production-grade clients for major spend platforms, payment rails, and ERPs.
- Fintech, digital banking, accounts payable, and embedded finance
- Enterprise API gateways, secret management, and security review
- Custom Python / Node.js / Go SDKs with full test harnesses
- Full pipeline: protocol analysis → build → validation → compliance handoff
- Source code delivery from $300 — runnable API source code and full documentation; pay after delivery upon satisfaction
- Pay-per-call API billing — access our hosted Ramp endpoints, pay only per call; ideal for teams that prefer usage-based pricing
Contact
Send your target app, the data you need, and any sandbox or admin access you can share. We'll come back with scope, timeline, and price.
Engagement modes: source-code delivery from $300 · pay-per-call hosted API · NDA on request.
Engagement workflow
- Scope confirmation — which Ramp objects (transactions, bills, cards, users), target system, and SLAs.
- Protocol analysis & API design — 2–5 business days; includes scope catalogue and OAuth setup.
- Build & internal validation against a Ramp sandbox tenant — 3–8 business days.
- Docs, samples, and test cases — 1–2 business days.
- Typical first delivery: 5–15 business days; ERP-heavy or multi-entity projects can extend timelines.
FAQ
What do you need from me?
How long does delivery take?
How do you handle compliance?
Can you also work against the mobile app?
📱 Original app overview (appendix)
Ramp is the finance automation platform designed to save companies time and money. It bundles corporate cards, expense management, bill payments, accounting automation, and reporting into a single product. The Ramp mobile app puts those capabilities in the user's pocket: paying with the corporate card at the tap of a phone, snapping a receipt and letting OCR auto-match it to a transaction, submitting reimbursements, and reviewing recent spend on the go.
Headline mobile features include: viewing and locking cards; adding the card to Google Pay; requesting new spend or temporary spend increases; capturing receipts and adding memos or accounting fields; submitting reimbursement claims; reviewing all transactions and pending spend requests; reading the company expense policy in-app; tuning communication preferences; and switching between dark and light themes.
On the platform side, Ramp integrates with 30+ accounting systems (NetSuite, QuickBooks, QuickBooks Desktop, Xero, Sage Intacct, Workday Financials, Microsoft Dynamics 365 Business Central, Zoho Books, Oracle, and more) and offers a Developer API where teams can create scoped apps, pull transactions and receipts, listen to webhooks, set card limits, manage users, and initiate ACH, wire, or card payments. Recent product releases include Ramp Intelligence and policy-enforcing AI agents (introduced July 2025) that auto-approve low-risk spend, plus AP Agents that code invoice line items via OCR, AI-driven procurement intake, and natural-language spend reporting via SMS or Slack.
Ramp's compliance program covers SOC 1, SOC 2 Type II, ISO 27001, and PCI DSS, with a public Trust Center documenting controls. The company is US-headquartered and primarily serves US businesses, with multi-currency and cross-border features layered on top. This page is published for technical positioning of integration services; Ramp Business Corporation owns its trademarks and product.