Ramp statement lines collapse onto their counterparties inside Well; resulting documents arrive at Pennylane as drafts pre-filled by Pennylane's own OCR.
The Ramp integration connects your corporate card and expense management platform to Well.
The Pennylane integration creates a bidirectional bridge between Well and your accounting workspace.
Ramp issues corporate cards primarily for US companies; Pennylane runs on French SMB accounting in EUR.
The two systems rarely sit on the same model. Connecting Ramp to Pennylane through Well matches each Ramp card transaction inside its own ledger with the FX-converted amount on the booking date, the policy classification preserved, and the receipt attached, then forwards the matched document to Pennylane's email-in. Ramp's MCP server pushes card-transaction events to Well; Pennylane's OCR creates the invoice from the forwarded PDF with the French ledger context attached.
Every Ramp debit is scored against your open invoices inside Well on counterparty, amount, scheduled date, and currency. Above the auto-link threshold the bank line is linked to the right invoice; the matched document is then forwarded to Pennylane's email-in inbox with the receipt attached for your one-click confirmation.
When a Ramp debit has no matching invoice in Well, the counterparty is checked against your prior history and a category is proposed. Approve the proposal once for a new vendor and Well applies it to every subsequent Ramp debit from the same counterparty before forwarding to Pennylane.
Ramp deposits are checked against your open sales invoices inside Well. The match runs on amount and date proximity inside the same customer, so a partial payment or an aggregated weekly deposit still resolves to the right invoices before the matched document reaches Pennylane.
At month-end Well snapshots the Ramp statement balance and surfaces every reconciling item in one queue inside Well. Outstanding cheques, in-transit deposits, and timing differences land on their own bucket so the controller clears the diff before forwarding matched documents to Pennylane.
Captures every card transaction with merchant, amount, currency, and category. Forwarded to Pennylane's email-in with amount, VAT, and date pre-filled by Pennylane's OCR.
Pulls employee reimbursement requests with their amount and category as a transaction. Forwarded to Pennylane's email-in with amount, VAT, and date pre-filled by Pennylane's OCR.
Well discovers new Ramp vendors via the read-only ETL load and mirrors them as company records. Forwarded to Pennylane's email-in with amount, VAT, and date pre-filled by Pennylane's OCR.
Picks up Ramp transactions that arrive with an automated coding rule already applied. Forwarded to Pennylane's email-in with amount, VAT, and date pre-filled by Pennylane's OCR.
Pulls the policy_violations field on the transaction so non-compliant lines surface for review. Forwarded to Pennylane's email-in with amount, VAT, and date pre-filled by Pennylane's OCR.
Pulls each Ramp card account the workspace holds with its limit and the cards bound to it. Forwarded to Pennylane's email-in with amount, VAT, and date pre-filled by Pennylane's OCR.
Well forwards the extracted PDF to Pennylane's supplier inbox; Pennylane creates the supplier invoice with amount, VAT, and date pre-filled.
The PDF Well forwards is stored as the source attachment on whichever invoice Pennylane creates from it.
Pennylane's OCR resolves the supplier name from the PDF. You confirm or correct the match on first sight.
3 fields flow from Ramp into Pennylane.
| Ramp field | Label | Pennylane field | Label | |
|---|---|---|---|---|
| transaction.amount | Amount | amount | Amount | |
| transaction.currency_code | Currency | currency | Currency | |
| transaction.id | Transaction id | external_reference | Source id |
4 fields flow from Ramp into Pennylane.
| Ramp field | Label | Pennylane field | Label | |
|---|---|---|---|---|
| bill.invoice_number | Invoice number | label | Reference | |
| bill.invoice_date | Issue date | date | Invoice date | |
| bill.due_date | Due date | deadline | Due date | |
| bill.currency_code | Currency | currency | Currency |
Click Connect with Ramp; the Ramp MCP server registers a Well client automatically. Ramp's MCP server registers a read-scoped Well client through DCR; no credential paste, no shared secret.
Well discovers Ramp's card transactions, approved bills, reimbursements, vendor records, and policy events and the the Pennylane Purchases tab and the customer-invoice collections list. Counterparty proximity, amount, date, and reference drive the match score; lines above 85% post automatically and the rest queue for a one-click sign-off.
Click Connect with Pennylane; Well's OAuth proxy handles Pennylane authorisation through Dynamic Client Registration. Pennylane's MCP server registers a write-scoped Well client through DCR; no credential paste, no shared secret.
Each one answers a question from the data this pair brings in. The required ones return nothing until a source like it is connected.
Needs a source like these
Know how many months of cash you have at your current burn, with both sides of the division shown.
See how long your cash lasts if a customer pays late, leaves, or you hire.
Know how much cash you hold right now, with the accounts counted and the ones left out both stated.
See a company's or household's spend by category, supplier and trend; not for savings: use Subscription spend.
Find the double charges and price rises in your bank debits, each with the dates and amounts your bank shows.
Know if payroll is safe, and which vendor bills to push if it is not.
Find what payment settled an invoice, or catch every payment that never got one.
Know what you spend in an average month over a window you can see, with the months that carried no spend counted.
See the settled month-end cash series and where the line goes from the last complete month.
See how the month moved from opening cash to closing cash, with whatever does not reconcile named as its own step.
See which suppliers owe you paperwork, in each of your files, for a month, a quarter or this week.
Put a name on every settled expense that still has no invoice.
Walk the whole month-end sweep in one prompt.
Drive the month-end close from open to sent to your accounting tool.
Work through your open accounting items by category.
Close the category gaps behind your spend before you close a month.
The board numbers in one pass, each with its scope and its window stated.
See what you paid a supplier, how its price moved, and get the negotiation email drafted.
See what each scheduled supplier costs a month and a year, how it moved, and where your workspaces can save.
Act on a subscription you name or pick by number from a list: cancel, renegotiate or contest a double debit.
See what you spent on one category, such as groceries, this month and how that compares to a usual month.
Get page 1 of your 1120 back as a PDF with your own book figures already in the boxes, and a list of every box left for your preparer.
Get one 1099-NEC per contractor back as a PDF with your own posted figures already in box 1, and the list of payees you cannot file for yet.
See what in a month has not reached the ledger, and which pile each item sits in.
Compare your bank with your books, list the gaps, and re-run what missed rows.
See the VAT position your data suggests for a quarter, and which invoices to fix first.
Read your profit and loss or balance sheet from QuickBooks, Xero or Pennylane.
Answers better with these connected
See which customers still owe you money: the unpaid and overdue invoices, how late each is, and the total.
See what you owe and when, ordered by due date with a running total.
Rank your most valuable customers by lifetime value, over a year you name or their whole life.
See how much of your cash and receivables sit outside your reporting currency.
Everything you know about one company, in one view.
Find the bills with no paperwork attached, before an auditor does.
See the monthly run-rate of live subscriptions, or an invoice average when no typed subscriptions are present.
See exactly which agents would run, before any of them does.
Turn mixed currencies into one number you can actually audit.
See what you owe your suppliers, and how long each bill has been past due.
The measures you name, arranged on one board that stores the question rather than the answer.
See how much each customer billed in a period, ranked by revenue, with the part you could not place named.
See what each supplier invoiced you over a year, ranked, with unplaced invoices counted.
Claim a refund or a compensation with the evidence in hand, and know what to say when you call.
Find money owed back to you: refunds, credit notes, VAT credits, double debits, then unpaid customer invoices.
Read a month of payslips, or each of several months, and state, per person, gross pay plus the employee deductions and the employer charges the payslip printed, then list the payroll related bills paid from the bank that no payslip carries.
For each supplier that looks like a freelancer, read the purchase invoices, the payment rail and any contract Well holds, and state the facts a requalification question turns on, next to the papers your country expects you to keep.
Uses them when they are there
Connects and checks them
See what is connected, what is syncing, and what is missing.
Connect your AI apps and your tools, then see your business as one context graph.
Get the bank feed in, and confirm it is really live.
The companies you deal with that carry no tax identifier, listed before year end.
Well connects to Ramp through its MCP server, which issues short-lived access tokens via Dynamic Client Registration. Well never holds a long-lived Ramp secret; the server refreshes its own tokens on each session. Anything Well holds between Ramp and Pennylane is encrypted at rest and handled in line with GDPR.
Read Ramp records
Scoped to card transactions, approved bills, reimbursements, vendor records, and related records. No access to anything else in your Ramp account.
Deliver documents to your Pennylane inbox
Well forwards the extracted document to your Pennylane email-in address; Pennylane reads supplier and customer invoices via email-in, with amount, VAT, and date pre-filled by Pennylane's OCR from it and you review and post. No write credential to Pennylane is requested.
Modify or delete Ramp records
Not granted. Ramp is read-only on Well's side; the source of truth never moves.
Read other workspaces' data
Not granted. A session resolves only to the workspaces your account belongs to, and Well checks that membership before it returns any record.
Connect both sides. Ramp activity arrives in Pennylane as pre-filled drafts ready for your accountant.
Other ways to connect Ramp or Pennylane through Well.
Ramp
See the Ramp connector
Pennylane
See the Pennylane connector
Ramp → Xero
Reconcile Ramp card transactions, bills, and reimbursements…
Xero → Ramp
Pull Xero bills and contacts into Well, match them to Ramp c…
Stripe → Pennylane
Match every Stripe charge and payout inside Well, then forwa…
Soldo
See the Soldo connector
Spendesk
See the Spendesk connector
Freshbooks
See the Freshbooks connector
