Ramp Democratizes Access to SMS Policy Questions by Moving Feature to Free Plan
What happened
Between the Oct 5, 2025 and Jan 2, 2026 captures of Ramp's pricing page, Pulse recorded 10 changes: Budgeting added to Plus plan Reporting section; Answer policy questions over SMS moved to Free plan (democratization from Plus/Enterprise); AI-assisted coding added to Plus plan Accounting section; Custom fields added to Plus plan User Management section; Custom user roles and multi-entity restrictions added to Plus plan User Management section; Auto tax capture added to Plus plan Global section; Treasury business account APY decreased from 2.25% to 2%; Procurement explicitly labeled as 'Add-on to Plus or Enterprise' in Plus plan card; Treasury investment account APY decreased from 4.11% to 3.71%; Custom report builder added to Plus plan Reporting section. Pulse files it as a pricing change (feature added, feature change, price decrease, add-on change) with a downward direction. Pulse's latest capture (Oct 19, 2026) lists Plus at CAD 15.
Ramp's previous recorded change was "Ramp Introduces Treasury Features to Free Plan, Offering Up to 4.11% Returns with No Fees or Minimums" (Q3 2025). Before that Pulse recorded "Ramp Removes Key Features from Enterprise Tier, Impacting Project Management and Customization Options" (Q1 2025), "Ramp Enhances Plus Tier with Acumatica ERP Integration" (Q3 2024) and "Ramp Introduces Travel Booking Feature to Free Plan, Enhancing Accessibility for All Users" (Q2 2024). Ramp has been tracked since 2024-10-01.
In the same window Stripe, Navan and Brex also changed their Finance & Accounting pricing pages. Those moves are listed further down, and the Pulse Agent can compare them side by side.
- Plus · FeatureAddedNo BudgetingBudgeting
- Plus · FeatureFeature change
Answer policy questions over SMS moved to Free plan (democratization from Plus/Enterprise)
- Plus · FeatureAddedNo AI-assisted codingAI-assisted coding
- Plus · FeatureAddedNo Custom fieldsCustom fields
- Plus · FeatureAdded
BeforeNot listed
AfterCustom user roles and multi-entity restrictions
- Plus · FeatureAddedNo Auto tax captureAuto tax capture
- — · Price−11%2.25%2%
- Plus · Add-onAdd-on change
Procurement explicitly labeled as 'Add-on to Plus or Enterprise' in Plus plan card
- — · Price−10%4.11%3.71%
- Plus · FeatureAddedNo Custom report builderCustom report builder
| Plan | Field | Before | After | Change |
|---|---|---|---|---|
| Plus | Feature | No Budgeting | Budgeting | Added |
| Plus | Feature | Answer policy questions over SMS moved to Free plan (democratization from Plus/Enterprise) | Feature change | |
| Plus | Feature | No AI-assisted coding | AI-assisted coding | Added |
| Plus | Feature | No Custom fields | Custom fields | Added |
| Plus | Feature | Not listed | Custom user roles and multi-entity restrictions | Added |
| Plus | Feature | No Auto tax capture | Auto tax capture | Added |
| — | Price | 2.25% | 2% | −11% |
| Plus | Add-on | Procurement explicitly labeled as 'Add-on to Plus or Enterprise' in Plus plan card | Add-on change | |
| — | Price | 4.11% | 3.71% | −10% |
| Plus | Feature | No Custom report builder | Custom report builder | Added |
Values as written on Ramp's public pricing page in the two captures Pulse compared; where the page states no number, the cells give the wording before and after.
Evidence
The two captures Pulse comparedFull-page captures of Ramp's pricing page (ramp.com) from Oct 5, 2025 and Jan 2, 2026; the change is marked on the page, where price reads 2.25% and then 2%.
Sign in to see the evidence
The two full-page captures with this change marked up are free with an account.
Ramp, pricing history
Full history- Apr 13, 2026improvedRamp boosts Investment Account yield from 3.97% to 4.1%
- Apr 7, 2026packagingRamp cuts investment yield and restricts global features to Enterprise
- Apr 3, 2026improvedRamp Boosts Treasury Yield to 4.28% and Adds AI-Tiered Plan Badges
- Jan 12, 2026improvedRamp Democratizes Access to SMS Policy Questions by Moving Feature to Free Plan · this change
- Q3 2025improvedRamp Introduces Treasury Features to Free Plan, Offering Up to 4.11% Returns with No Fees or Minimums
- Q1 2025packagingRamp Removes Key Features from Enterprise Tier, Impacting Project Management and Customization Options
- Q3 2024improvedRamp Enhances Plus Tier with Acumatica ERP Integration
- Q2 2024improvedRamp Introduces Travel Booking Feature to Free Plan, Enhancing Accessibility for All Users
Across Finance & Accounting in the same window
All Finance & Accounting changesQuestions about this change
Did Ramp raise prices in January 2026?
No — prices went down. Between Oct 5, 2025 and Jan 2, 2026 Ramp's pricing page showed 2 price cuts: 2.25% → 2% (−11%); 4.11% → 3.71% (−10%).
What changed on Ramp's pricing page between Oct 5, 2025 and Jan 2, 2026?
Plus feature: No Budgeting → Budgeting, added; Answer policy questions over SMS moved to Free plan (democratization from Plus/Enterprise); Plus feature: No AI-assisted coding → AI-assisted coding, added; Plus feature: No Custom fields → Custom fields, added; Plus feature: Not listed → Custom user roles and multi-entity restrictions, added; Plus feature: No Auto tax capture → Auto tax capture, added; price: 2.25% → 2% (−11%); Procurement explicitly labeled as 'Add-on to Plus or Enterprise' in Plus plan card; price: 4.11% → 3.71% (−10%); Plus feature: No Custom report builder → Custom report builder, added. Pulse compared the captures it took on Oct 5, 2025 and Jan 2, 2026; the before/after table above lists each item as written on the page.
How often does Ramp change its pricing?
Pulse recorded 0 other pricing-page changes for Ramp in the 90 days before this one; the previous change was "Ramp Introduces Treasury Features to Free Plan, Offering Up to 4.11% Returns with No Fees or Minimums" in Q3 2025; Ramp has been tracked since 2024-10-01.