Build on Ramp
Ramp is the finance platform that 70,000+ businesses run their spend on. The Developer API opens that platform to your code: issue cards against enforced budgets, create and pay bills, sync a customer's ERP two ways, and give AI agents payment authority that respects your policy.
Every endpoint runs on the same policy engine as the Ramp dashboard. A fund's limit holds whether the spend comes from a person, a card, or an agent.
Create credentials and call the Transactions API in five minutes
OAuth 2.0 flows, scopes, and token lifetime
Build against demo data before you touch production
List your integration in front of 50,000+ businesses
Virtual, physical, and agent cards, each drawing against a fund
Funds, spend programs, and approvals: the policy layer
Bills, payment methods, approvals, and 3-way match
Out-of-pocket expenses, OCR receipts, and mileage
Provision, deactivate, and pre-stage the people who spend
Intake requests, approvals, and purchase orders
Give an agent read access and action authority via MCP or the CLI
Single-use credentials scoped to one merchant and capped by you
Three servers, each scoped to a different audience
OAuth, expenses, bills, and travel from a terminal or agent loop
What you can build#
Ramp's API surface covers 170 endpoints across nine product areas. These are the journeys developers start with.
| Goal | Where to start | Typical time |
|---|---|---|
| Read transaction data into a warehouse or dashboard | Quickstart | 5 minutes |
| Issue virtual cards inside your own product | Cards and Funds | 1–3 hours |
| Pay vendors end to end without leaving your stack | Bill Pay | Half a day |
| Sync a customer's chart of accounts and export spend | Procurement | Multi-day |
| Let an AI agent make a real purchase under policy | Agent Cards | 30–60 minutes |
How Ramp fits together#
Four objects explain most of the API. Funds hold the budget and its restrictions. Cards draw against funds. Users are the principal behind every spend object. Approvals decide what passes before money moves.
Everything else — bills, reimbursements, purchase orders, agent purchases — composes those four. Learn them once in Spend Controls and the rest of the surface reads as variations.
Create a developer app in the Ramp dashboard, mint a token, and pull real transactions.