Accountable
Sign inStart free

Accounting software for Ramp: every card transaction matched

Accountable connects to Ramp through an API app you create in Ramp's Developer settings, with the client credentials grant and three read scopes: transactions, business and statements. Paste the client ID and secret and every Ramp card transaction posts within minutes, categorized with its reason and matched to the statement. Nothing in the app can write to Ramp. Ramp connects free on every plan.

Updated · 3 min read · By the Accountable team

The short version

  • Ramp connects directly with an API app you create yourself, free on every plan, including Free.
  • The app gets three read scopes, transactions:read, business:read and statements:read, and nothing that writes.
  • Ramp's access tokens last 10 days, and Accountable gets a new one automatically with your app's keys.
  • Every card transaction is categorized with the reason shown, and a payment from your bank to the card is booked as a transfer.
  • The Ramp business account is not in Ramp's API yet, so its statements are uploaded each month.

What comes over from Ramp

  • Every Ramp card transaction, with its date, amount, merchant and description, posted as it clears.
  • Business details and statements, under the business:read and statements:read scopes, so each month can be matched to Ramp's own statement before it is locked.

How Ramp card spend is booked

Each Ramp transaction is named in plain words and filed under a category, with the reason shown. A question the AI cannot answer with confidence comes to you as one short question, and ticking "Always do this for the vendor" turns your answer into a rule.

Four Ramp transactions as they arrive and as they are booked
In RampIn AccountableCategory
FIGMA MONTHLYFigmaSoftware
AWS EMEA SARLAmazon Web ServicesHosting and Infrastructure
LINKEDIN ADS 88213LinkedInAdvertising
Ramp card payment from MercuryPayment to the Ramp cardTransfer, not spending

The transfer is paired with the matching payment from your bank, so the card's balance and your bank balance both stay right and burn counts each charge once.

How to connect Ramp in seven steps

  1. Step 1: In Accountable, open Connections (Settings › Banks, cards and payroll), press Connect an account and pick Ramp. The dialog Use your own Ramp API keys opens.

  2. Step 2: In Ramp, open Developer apps. Click Start building for your first app, or Create new app. You need to be an admin or the business owner.

  3. Step 3: Name the app Accountable and accept the terms.

  4. Step 4: Under Grant types, make sure Client credentials is on.

  5. Step 5: Under Scopes, click Configure allowed scopes and pick transactions:read, business:read and statements:read. Nothing that writes.

  6. Step 6: Copy the Client ID and Client Secret.

  7. Step 7: Back in Accountable, paste them into Client ID and Client secret and press Connect.

The step-by-step help article is Connect Ramp with your own API app.

Ramp's 10-day tokens renew on their own

Ramp's access tokens last 10 days. Accountable holds your app's client ID and secret and asks Ramp for a new token when it needs one, so nobody has to paste anything again. If the app's keys stop working, for example because the app was deleted in Ramp, the connection shows Broken; create the app again and press Reconnect, and nothing already posted changes.

The Ramp business account comes in as a monthly statement upload

The Ramp business account is not in Ramp's API yet. Open Connections › Import file each month and upload its statement: Ramp CSV exports are recognized without mapping, duplicates are skipped and the closing balance is checked, so the month still matches the bank to the cent.

Questions founders ask

Is connecting Ramp free?

Yes. Ramp connects directly on every plan, including Free, and does not count toward the bank-link limit that applies to other banks linked through Stripe, Plaid or Teller.

Can Accountable spend or move money on Ramp?

No. The app you create has only three read scopes, transactions:read, business:read and statements:read.

Why does Ramp need my own API app?

Ramp's Developer API works through apps that an admin creates with client credentials. You create one named Accountable, choose its scopes and can delete it at any time.

Does it work with several companies?

Yes. Connect each company's own Ramp keys to that company; every feed belongs to one company and each company's books stay separate.

Connect Ramp and get your books done by the 1st

Start free with one company. Ramp connects in minutes with your own read-only app, and last month is matched to Ramp's statement and closed by the 1st.

Start free

Sources, checked September 30, 2026:

  1. Ramp: Accessing the Developer API

Read next