Ramp deepens Visa partnership as enterprise base grows

Ramp has expanded its partnership with Visa, which is also becoming a Ramp customer.

The move follows 133% year-on-year growth in Ramp's enterprise customer base in 2025.

Under the arrangement, the companies will deploy Visa Intelligent Commerce and the Visa Trusted Agent Protocol across Ramp's base of more than 50,000 customers.

Ramp's larger customers include Shopify, Fanatics, Stripe and Twilio, as it seeks to deepen its presence among companies with complex cross-border operations, multiple currencies and stricter compliance requirements.

Enterprise growth

Demand from larger businesses has been driven by dissatisfaction with older expense management and finance systems. Ramp argues that manual controls, after-the-fact audits and disconnected software leave finance teams with limited visibility and slower oversight.

Ramp says its system captures, codes, checks and reconciles transactions as they occur, while giving finance teams visibility across entities and currencies. Spending controls are applied at the point of purchase rather than after a policy breach has occurred.

Businesses using the platform recorded a 62% decline in out-of-policy spending over their first two years on the system, according to Ramp.

Chris Newkirk, Visa's President of Commercial and Money Movement Solutions, outlined the company's view of the tie-up.

"Enterprises are looking for payment solutions that reduce friction, not add to it," Newkirk said. "Ramp's approach to automation and real-time controls aligns with Visa's mission to make commerce simpler and more secure."

Broader push

The agreement gives Ramp a closer link to one of the world's largest payments networks as competition intensifies in corporate cards, expense management and business finance software. For Visa, the deal adds a fast-growing software provider to its customer roster and creates another route for distributing its commercial payment products.

Ramp has positioned itself as an alternative to traditional expense tools by focusing on tighter spend controls and automated finance workflows for larger organisations. Its pitch to enterprise customers centres on reducing manual reviews and giving finance teams more immediate oversight of spending across multiple business units.

Its comments suggest it is targeting businesses that have outgrown fragmented finance processes and want a single system for card payments, controls and reconciliation. That market is becoming increasingly contested as financial software groups and payments companies push further into tools once handled by separate procurement, accounting and expense platforms.

Visa's decision to become a customer may also signal to other large companies evaluating newer providers. Ramp has sought to reinforce that point by highlighting adoption among brand-name corporate users with large transaction volumes and international operations.

The expanded relationship also reflects a broader trend in financial software, with payments networks and software providers working more closely to embed controls and compliance checks directly into transaction flows. The aim is to shift oversight closer to the moment money is spent rather than relying mainly on later review.