AP Agents available in Ramp Bill Pay
Overview
Ramp Bill Pay includes AI-powered capabilities that understand the context behind invoices. These capabilities code line items, check for fraud, recommend approvals, and optimize payment workflows.
Most available capabilities require no additional setup and automatically start working as you process invoices in Bill Pay. AP inbox automation requires you to connect an inbox or use AP email forwarding.
Connect Gmail for AP inbox automation
Available on Ramp Plus. See Ramp Plus overview for plan details.
Beta. This feature is currently in Beta.
Connect one Gmail inbox from Bill Pay importing and forwarding settings to let Ramp process incoming AP emails automatically. Ramp reviews emails against your business's AP policy, filters duplicates and emails that do not meet the policy, creates draft bills from eligible invoices, and attaches relevant supporting documents. Processing notifications explain which attachments created drafts and why other attachments were skipped.
If Ramp creates a draft bill but cannot match an existing vendor, it also creates a draft vendor and links it to the draft. Draft vendors do not appear in the vendor table. You can review the email, invoice, and attachments before creating the vendor; your vendor control policies apply when the vendor is created. Ramp does not automatically update payment or tax details for existing vendors.
For a connected Gmail inbox, Ramp can also prepare draft replies to supported vendor questions using information from Ramp, such as bill and payment status. You review and send these replies; Ramp does not make payment commitments or approve bills through a reply.
If your business does not connect Gmail, use Bill Pay AP email forwarding. Forwarded emails are also reviewed against your AP policy, but Ramp does not prepare vendor reply drafts for forwarded messages. If Gmail is connected, Ramp does not also process emails sent through AP forwarding.
Auto-coding
Available on Ramp Plus. See Ramp Plus overview for plan details.
AP Agent automatically assigns the correct accounting codes and categories to your invoice line items based on vendor historical patterns and provided invoice context.
Simply upload an invoice, Ramp's advanced OCR will automatically extract all the invoice details into a draft bill, and the AP agent will code each line item.
For more detailed information about OCR capabilities and the auto-coding agent, visit our Ramp Bill Pay OCR Help Center article.
Fraud detection
Ramp's AI-powered fraud detection works around the clock to safeguard your business from payment fraud. Our intelligent systems analyze eligible bills and automatically flag suspicious activity before payments are processed. From verifying vendor legitimacy and detecting anomalies in payment amounts to monitoring for duplicate invoices, Ramp's AI acts as your first line of defense against common fraud schemes.
Learn more about the specific fraud patterns Ramp detects and how to protect your business in our comprehensive Bill Pay Fraud Help Center article.
Approval intelligence
Available on Ramp Plus. See Ramp Plus overview for plan details.
Ramp's approval workflows automatically route bills to the appropriate approvers based on custom conditions. Approval intelligence reviews bills according to your business's AP policy and provides intelligent insights to support that review.
When approvers review their queue, they see AI-generated summaries that highlight key details and provide contextual recommendations. The system flags potential anomalies, suggests appropriate actions, and surfaces relevant information from historical spending patterns—helping approvers make informed decisions quickly and confidently.
Approval intelligence provides recommendations only. It does not approve bills, skip approvers, or bypass your configured approval workflow.
For more information on configuring approval workflows and using AI-powered approval features, see our Bill Pay approvals Help Center article.
Automatic bill creation from drafts
Available on Ramp Plus. See Ramp Plus overview for plan details.
Beta. This feature is currently in Beta.
For eligible drafts, Ramp reviews the bill details against your business's AP policy and required checks. If all checks pass, Ramp automatically creates the bill from the draft. If any item needs attention, the bill remains a draft so your team can review and correct it.
Automatically created bills continue through your configured Bill Pay approval workflow. Automatic creation does not approve a bill or bypass any approvers.
Automatic card payments
Ramp Bill Pay provides multiple pathways to pay vendors via credit card, allowing you to capitalize on valuable cashback rewards while maintaining full visibility into your payment process.
Now, AI-powered automatic card payments take this a step further by eliminating the manual work associated with card payments. For eligible invoices, the system automatically creates a virtual card with the exact invoice amount, enters the payment details in the vendor's portal on the due date, and matches the transaction to your bill once it clears—no manual intervention required. You'll receive confirmation when payment is complete, and your accounting records update automatically, allowing you to earn rewards while eliminating manual payment work.
Learn more about all available card payment options and how automatic payments work in our detailed guide: Pay Bill Pay invoices via Ramp card.
Getting started
AI features in Bill Pay are automatically enabled for customers. Note that some advanced features, such as auto-coding and approval intelligence, are exclusively available to Ramp Plus customers.
The system learns from your actions and becomes more accurate over time, continuously adapting to your business needs.