Card spend, receipts, and bookkeeping codes. Automated end-to-end.
Ramp is coming online in our tech stack in 2026. The job is eliminating the month-end receipt-hunting ritual. Cards with category controls, receipts captured the moment a transaction posts, bookkeeping codes set per card or per merchant — and direct sync to Kick so the books are caught up in real time, not after a 2-hour Saturday session.
A spend-management platform with cards built in. Not a credit card with software bolted on.
Most corporate-card products are credit cards first, software second. Ramp inverts that: it's a spend-management platform that happens to issue cards. The architecture is policy-first (set spend rules at the card or category level), receipt-first (auto-captured via SMS, email, or transaction integration), and accounting-first (categorizations sync to your books in real time).
For ETS clients, the integration with Kick is the killer feature. Receipt + categorization + bookkeeping entry happen as one event, the moment the card is swiped. The bookkeeper's job becomes review-not-entry. Month-end close drops from days to hours.
Why Ramp + Kick + Relay is the stack we're aiming at.
The point of consolidating to Relay (banking) + Kick (books) + Ramp (cards) + Gusto (payroll) is that the four platforms talk to each other in real time. Money moves between accounts on a rule. Card spend categorizes itself into the books. Payroll pulls from the right account on schedule. The owner stops being the integration glue.
That's the operational state we're building toward for every full-service ETS client by end of 2026. Ramp is the last piece. Once it's in the stack, the firm + the client share one clean operational picture instead of four reconciled-monthly silos.
What clients ask about Ramp + the integrated stack.
When will Ramp be active for ETS clients?
We're rolling Ramp into the standard onboarding in 2026. Existing clients can opt in early — we're already using it internally and on a small pilot group. Once the integration with Kick is fully production-ready, every new bookkeeping engagement will include Ramp by default.
Does Ramp replace Relay?
No. Different jobs. Relay is the business bank — operating account, payroll account, tax-reserve, owner-pay. Ramp is the spend-management layer — corporate cards, expense controls, receipt capture, automated bookkeeping coding. They run side by side.
What does Ramp cost?
Ramp's core platform is free for businesses meeting their criteria (the company makes money on the interchange when you spend). The premium tiers add features like bill-pay, vendor management, and accounting integrations — see ramp.com/pricing for current terms.
Why are we moving to Ramp instead of just using business credit cards?
Three reasons. (1) Receipts auto-captured via SMS or email — no manual upload, no shoebox at year-end. (2) Bookkeeping codes set per card or per transaction rule — categorization happens at the card level, not at month-end. (3) Real-time spend controls — limit per category, per vendor, per employee. Old-school cards with manual receipt collection cost more time than they save in rewards.
One Discovery call. We map your current stack to the 2026 target.
Bring your current bank, books, cards, and payroll setup. We'll map what to keep, what to migrate, and the order to do it in so the transition takes weeks, not months.
Book the 15-min Discovery →