Give the charge card and Free software away, get paid on every swipe: Ramp issues a Visa corporate charge card (balances paid in full each cycle — it does not earn interest on carry) plus spend software that is free at $0 per user a month or Plus at $15 per user a month plus a team-size platform fee, and earns a share of the interchange fee on every purchase, Plus subscriptions, and fees on international and same-day payments. It attaches bill pay, procurement, travel, treasury and accounting automation so most customers use two or more products, then pushes into AI agents and token spend management. By November 2025 Ramp said it was generating over $1 billion in annualized revenue with free cash flow, more than $100 billion in annualized purchase volume and 50,000+ customers; by mid-2026 the press page and funding coverage put customers above 70,000 and a June 2026 primary raise of $750 million valued the company at $44 billion.
Click any of the 9 blocks below for a plain-language story of how that part of the model works for Ramp — and how it connects to the others.
Static handout preview — use Downloads in the top bar for PDF, PNG, poster HTML, or the research brief. The interactive canvas above is the primary experience.
