Where do I download my Ramp card statement?

Sign in at app.ramp.com and click Account in the left sidebar, then Statements. Every closed billing cycle has its own PDF statement plus a CSV export. Cardholders see only their own activity, while Admins and Bookkeepers see the full company statement. The billing cycle follows your Ramp card agreement, which may or may not line up with the calendar month depending on how your program was configured.

Does Ramp issue a VAT invoice for card spending?

On the free tier, generally no. Ramp earns revenue on interchange for the core card product rather than charging you a separately itemized platform fee, so there is no Ramp-issued invoice for card activity. What you get is the monthly card statement as a summary of what posted, plus the merchant receipts and invoices from the vendors you paid. On Ramp Plus or Enterprise, a platform subscription fee does apply, and that fee generates a standard invoice issued by Ramp under Account billing.

What is the difference between a Ramp statement, a Bill Pay invoice, and a Ramp subscription invoice?

A Ramp statement is a monthly summary of card activity for a specific billing cycle, issued by Ramp. A Bill Pay invoice is a vendor invoice from a third party (your supplier) that was uploaded into Ramp and then paid through Ramp's Bill Pay engine, so the document itself is from the vendor, not from Ramp. A Ramp subscription invoice only exists on paid tiers (Ramp Plus, Enterprise, Procurement) and covers the platform fee you pay to Ramp for the service. Most finance teams touch all three streams at month-end.

How do vendor invoices get into Ramp Bill Pay in the first place?

Three main paths. You forward a vendor email to your company's Bill Pay inbox address and Ramp parses the attached PDF. You upload a PDF directly in the Bill Pay UI or mobile app. Or you use the Ramp inbox integration and the platform pulls bills from a connected mailbox. Once ingested, the bill sits in Bill Pay with the original vendor PDF attached, gets coded to a GL account, routes through the approval chain, and then Ramp pays it by ACH, check, or card.

Does Ramp sync with QuickBooks, NetSuite, or Xero?

Yes, Ramp has native sync with QuickBooks Online, NetSuite, Xero, and Sage Intacct, configured under Integrations → Accounting. For most teams the sync is the primary destination for Ramp data, because transactions, bills, and receipts flow directly into the ledger with the coding already applied. The document PDFs (statements, vendor invoices) still live inside Ramp as the audit trail, which is why you still want to pull them for month-end and year-end, not just rely on the sync.

Can I give my accountant access to Ramp statements without giving them a card?

Yes, invite them under Settings → Members with the Bookkeeper role. Bookkeepers see statements, bills, transactions, and the Procurement queue where applicable, but do not get a card or spend authority. This is the cleanest permission split for an external accounting firm. Do not make a bookkeeper an Admin unless you also want them managing cards, vendors, and team members, which is a much wider permission set.

Can I bulk export all my Ramp transactions or bills as CSV?

Yes. The Transactions page supports CSV export filtered by date, card, merchant, or department. Bill Pay supports its own CSV export covering bills and payments. The Statements page has a CSV export per billing cycle. For engineering teams, the Ramp API exposes transactions, bills, cards, and users for deeper programmatic access. Bulk PDF download of every vendor invoice at once is not a first-class UI feature in the current dashboard, which is where most teams start looking for an automated path.

My Ramp billing cycle does not match my fiscal month. How do I close the books cleanly?

Use the Transactions CSV export instead of the cycle PDF. Filter by your fiscal period dates (for example the first through the last of the month) and export. That gives you transaction-level data aligned to your close, while the PDF statement still exists as the document of record for the billing cycle. Most finance teams keep both, the statement for audit trail and the period-aligned CSV for the actual reconciliation.

What happens to Ramp Rewards and cashback on my statement?

Ramp credits cashback monthly as a statement credit, which appears as a reduction on the next card statement rather than as a separate cash transfer. The line is labeled on the statement PDF, so you can see the cashback amount clearly for the cycle. Treat cashback as a rebate on spend for accounting purposes and code it accordingly in your GL, rather than booking it as other income, unless your auditor tells you different for your jurisdiction.

How far back can I pull Ramp statements and bills?

Ramp keeps statement PDFs and Bill Pay records for the full lifetime of the account. You can download any closed cycle or completed bill from account opening forward. That said, we would not treat any fintech platform as a permanent archive. Download copies regularly and store them in your own accounting system, because a closed account loses self-serve access to historical documents and that is a bad surprise during an audit.

Why is a vendor invoice showing twice, once in Bill Pay and once on my card statement?

Usually because the bill was paid with a Ramp card inside the Bill Pay flow, so it posts as a Bill Pay payment and also as a card transaction on the statement. Both entries refer to the same underlying spend. Your accounting sync typically deduplicates this against the bill record, but if you are reconciling manually, match the Bill Pay payment ID to the card transaction and treat them as one event rather than two.

Does Ramp issue a 1099 or other tax document?

For US customers, Ramp issues applicable tax documents (such as 1099-MISC for certain referral or reward payments above reporting thresholds) under Account, then Documents. Cashback on card spend is generally treated as a rebate on purchases rather than as income, so no 1099 for that, but talk to your tax advisor for your specific situation. For platform subscription fees on Ramp Plus or Enterprise, the invoices Ramp issues to you are standard business expense documents that live under Account billing.

How to get Ramp invoices

Step-by-step guide to downloading your Ramp billing documents.

Last verified: 2026-04-24

Step-by-step: download invoices from Ramp

1
Sign in to the Ramp dashboard and pick the right entity
Go to app.ramp.com and sign in. If your company has multiple Ramp entities under the same login (common for holding companies, parent/subsidiary setups, or accounting firms with client access), use the entity switcher at the top-left before you start looking for documents. Ramp keeps card activity, Bill Pay, and procurement separate per entity, so the wrong entity means an empty statement page and a wasted five minutes.
2
Open Account then Statements for card activity
Click Account in the left sidebar, then Statements. This is where Ramp posts the monthly card statement for your corporate card program, one PDF per billing cycle. Admins and Bookkeepers see every statement. Standard cardholders only see their own card activity, which matters if your accountant has been set up with a limited role and is wondering why the numbers do not match your ledger.
3
Open Bill Pay to get vendor invoices
Click Bill Pay in the sidebar. This is not a statement about Ramp, it is a list of your vendor invoices that were uploaded (by email forward, manual upload, or the mobile app) and then paid out by Ramp via ACH, check, or card. Click any bill to open the original vendor PDF, the payment confirmation, and the approval trail. Filter by status (paid, scheduled, pending approval) and date to pull everything for a given period.
4
Open Procurement for approval-routed purchases
If your plan includes Procurement, click Procurement in the sidebar. Intake requests, purchase orders, and the vendor invoices that clear them live here with the approval chain attached. On the free tier this section may be absent or limited, on Ramp Plus and Enterprise it is where your finance team routes everything above a threshold. Open a completed request to download the vendor invoice and the PO together.
5
Export, sync, and file where your books expect them
Ramp is built to push data into your accounting system (QuickBooks Online, NetSuite, Xero, Sage Intacct), so the usual pattern is sync first, download second. For anything your accounting sync does not cover, use the CSV export on Statements, Bill Pay, and Transactions, or pull the API. Rename downloaded PDFs with a consistent pattern such as period-ramp-type-vendor-amount and drop card statements, bill invoices, and procurement docs in separate folders so the trail is clean at year-end.

About Ramp billing

Ramp is a spend-management platform, not a SaaS vendor sending you a monthly invoice. That distinction trips up every new finance hire who goes looking for "the Ramp invoice" and finds three different streams instead.

You get card statements for the corporate card program. You get vendor invoices inside Bill Pay, because Bill Pay is where your suppliers' invoices are ingested, coded, and paid. On Ramp Plus or Enterprise you get procurement-routed invoices attached to purchase orders, plus a platform subscription invoice from Ramp for the tier itself. Mix those up and the month-end close has gaps your auditor will find.

On the free tier, Ramp does not issue a VAT invoice for card activity because there is no platform fee to bill. The card side earns on interchange, not on a line item charged to you. When an accountant asks for "the Ramp invoice" for card spend, they actually need the merchant receipts from the vendors you paid, plus the Ramp card statement as a reconciliation aid. The statement alone is not a substitute.

About Ramp

Ramp is a spend-management platform founded in 2019 by Eric Glyman, Karim Atiyeh, and Gene Lee, headquartered in New York. It combines a corporate card program, a Bill Pay engine for vendor invoices, a Procurement product for approval-routed purchasing, and expense management software in one dashboard. Billing surfaces follow the product split: card statements for card spend, Bill Pay for vendor invoices (with the original supplier PDF attached to each bill), Procurement for approval-gated purchases, and on paid tiers a separate platform subscription invoice. Deep accounting sync with QuickBooks Online, NetSuite, Xero, and Sage Intacct is the usual destination for most of this data.

Manual vs automated

Manual

Sign in to Ramp and pick the right entity
Download each monthly card statement as PDF
Open every Bill Pay entry and pull the attached vendor PDF
Pull procurement-routed invoices one request at a time
Export Transactions CSV for period-aligned reconciliation
Forward all three streams to the bookkeeper

Automated with Inbox Ledger

Connect Ramp once in Inbox Ledger
Card statements, Bill Pay vendor invoices, and procurement docs land in your dashboard
Export to Drive, Sheets, or your accounting system

Why people stop doing this by hand

A two-person company with one card and no Bill Pay usage: the Ramp dashboard plus the QuickBooks sync is enough. The pain starts the moment a real finance workflow sits on top of Ramp.

A fifty-person company running thirty cards, three hundred Bill Pay invoices a month, and a Procurement approval chain for anything over five thousand dollars has three document streams at month-end, not one. The card statement tells you what posted to the card program. Bill Pay has three hundred vendor PDFs, each with its own approval trail. Procurement has another layer of purchase orders and intake requests clearing into vendor invoices. The accounting sync handles most of the coding, but the PDF documents themselves still matter for VAT reclaim and audit substantiation in most jurisdictions, and pulling them out of the UI one at a time is the monthly ritual nobody enjoys.

Ramp Plus and Enterprise add a fourth layer: Ramp's own platform subscription invoice. That one is easy to miss because it lives under Account billing, not under Bill Pay, and it is the one document finance teams most often forget about until renewal.

Ramp is one of the portals our Chrome Extension auto-detects. Install it, open your Ramp dashboard, and the extension captures new statements and Bill Pay vendor PDFs in the background. No OAuth setup, no forwarding address, no clicking into each bill. It works alongside the main Inbox Ledger sync, which picks up merchant receipts forwarded from team inboxes so both halves of the story end up in one place.

Next step

Solo operator with a single Ramp card and an accounting sync: the dashboard is enough. Running a finance team, holding a Bill Pay queue, routing through Procurement, or just tired of three separate document streams at month-end: connect Ramp to Inbox Ledger and let the statements, bills, and platform invoices come to you.

Extract your first 10 invoices free

No credit card required.

Start for Free

Quick access

Jump straight to the Ramp billing page in a new tab.

Open Ramp billing

Where to look in the dashboard

Account → Statements is where Ramp Card monthly statements live, one PDF per closed billing cycle
Bill Pay is where vendor invoices routed through Ramp are stored, with the original supplier PDF attached to each bill
Procurement (Ramp Plus and Enterprise) is where intake requests, purchase orders, and approval-gated invoices live together
Transactions holds the full card activity feed with CSV export, useful for period-aligned reconciliation when the billing cycle does not match your fiscal month
Settings → Members controls who can see statements and bills, with Admin, Bookkeeper, and Cardholder as the three main roles
Integrations → Accounting is where the QuickBooks, NetSuite, Xero, or Sage Intacct sync lives, often the primary destination for your Ramp data

Before you start — quick checklist

Card statement PDFs are downloaded for every closed Ramp billing cycle in the period you are reconciling
Bill Pay vendor invoices have the original supplier PDF attached, not just the Ramp payment confirmation
Procurement-routed invoices (if you are on Ramp Plus or Enterprise) are pulled alongside their purchase order and approval trail
CSV export is archived next to the PDFs for transaction-level lookups during audit
If you are on Ramp Plus or Enterprise, the Ramp platform-fee invoice for your own subscription is captured under Account billing documents, not mixed in with Bill Pay
Statement cycle totals match what posted to your general ledger after the accounting sync completes

Pro tips

Ramp is a spend-management platform, not a SaaS vendor billing you a monthly fee on the free tier. There is no "Ramp invoice" for card activity on the core free product, because Ramp earns on interchange rather than on a platform fee. When your accountant asks for "the Ramp invoice" for card spend, they actually need the merchant receipts plus the Ramp card statement as a reconciliation aid.
The free tier changes on Ramp Plus, Ramp Enterprise, and Ramp Procurement. Those are paid tiers, and the platform subscription fee does generate its own invoice, issued to your company under Account billing. Check both the card statement location and the platform billing location if you are on a paid plan and one of them looks light.
Bill Pay is the side of Ramp that actually aggregates vendor invoices. Anything forwarded to your Bill Pay email address, uploaded through the app, or captured via the inbox integration lands in Bill Pay as a bill, gets coded, routed for approval, and then paid. The original vendor PDF is the document your auditor wants, and it stays attached to the bill forever.
Ramp Travel bookings post to the card as merchant transactions under the name of the airline, hotel, or booking partner. Supplier receipts live against the trip in the Travel section, same as Brex. The card statement shows the charge, the supplier side shows the detailed receipt.
Admin, Bookkeeper, and Cardholder roles see different slices. Bookkeeper is the role you want for an external accountant because it exposes statements and bills without handing over card controls or the ability to move money.
Ramp has deep sync with QuickBooks Online, NetSuite, Xero, and Sage Intacct. If the sync is healthy, most of your Ramp data is already in the ledger before you download anything. The PDFs matter for audit substantiation and VAT reclaim where your tax authority still wants the document itself, not a ledger entry.

Skip this entirely. Automate Ramp invoices

Inbox Ledger scans your email for Ramp invoices, extracts the data with AI, and syncs it to QuickBooks, Xero, or Google Sheets. No manual downloads.

Extract your first 10 invoices free

Frequently asked questions

Related portals

Stop chasing invoices manually

Inbox Ledger finds, extracts, and syncs your invoices automatically, from any billing portal that emails you.

Start for Free

No credit card required. 10 free invoices.

How to get Ramp invoices

Step-by-step: download invoices from Ramp

Sign in to the Ramp dashboard and pick the right entity

Open Account then Statements for card activity

Open Bill Pay to get vendor invoices

Open Procurement for approval-routed purchases

Export, sync, and file where your books expect them

About Ramp billing

About Ramp