European alternatives to Ramp

Ramp is a US corporate spend platform that runs charge cards, expense reimbursement, bill pay and procurement off one ledger, with policy-based approvals and direct sync into the general ledger. What makes it hard to leave is the accounting plumbing rather than the cards: the chart-of-accounts mapping, approval policies, vendor and contract records and closed-period transaction history all live in Ramp, and a replacement has to reproduce them before a single month can be reconciled. Ramp raised a $750 million Series F at a $44 billion valuation, announced 4 June 2026, and is used heavily by US startups and mid-market finance teams.