Upgrade your agency ad spend from Ramp to Opal
Ramp helps finance teams control company spending.
Opal helps agencies manage client media budgets with scalable credit, dedicated virtual cards, reconciliation, and up to 2% cashback on eligible ad spend.
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Ramp is one of the best expense management platforms on the market. It was built to help businesses control employee spending, automate expense reporting, and improve finance operations.
Agency ad spend is a different workflow.
Running campaigns across Google, Meta, TikTok, LinkedIn, and other platforms requires dedicated payment methods, scalable credit, client-level reporting, and reconciliation built around advertising, not employee expenses.
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Your credit should grow with your agency, not your expense policy
Ramp’s corporate card is designed around general business spending.
Opal is designed around agencies managing client media budgets.
Instead of treating ad spend like another company expense, Opal provides credit specifically for running campaigns across multiple clients and platforms. As your managed spend grows, your payment infrastructure can grow alongside it.
The result is a system built for scaling client ad spend, not managing office expenses.
Expense management is not ad spend management
Ramp excels at employee expenses, reimbursements, software purchases, travel, approvals, and procurement.
Agency finance teams have a different challenge.
Every month, thousands of advertising transactions need to be attributed to the correct client, platform, and campaign. That’s not traditional expense management, it’s operational reconciliation.
Opal is purpose-built for agency workflows, giving teams visibility into client media spend without relying on manual spreadsheets or month-end cleanup.
Your card structure should match your client structure
Ramp’s virtual cards work well for employees, vendors, subscriptions, and departments.
Agencies need something different.
Opal lets you create dedicated virtual cards for each client, platform, or campaign. That means cleaner reporting, simpler reconciliation, and less risk of transactions being mixed together across accounts.
Your payment infrastructure should mirror how your agency actually operates.
Accounting integrations are only part of the workflow
Ramp integrates with QuickBooks and other accounting platforms to simplify bookkeeping.
Opal also includes a built-in QuickBooks integration, but goes further by organizing advertising transactions by client, platform, and campaign before they reach your accounting software.
Instead of simply exporting expenses, Opal helps agencies reduce the manual reconciliation work that happens every billing cycle.
Where Ramp may still be the better fit
Employee Expense Management
Ramp is an excellent choice for managing employee cards, reimbursements, approvals, travel, and day-to-day company expenses.
Procurement & finance operations
Ramp offers strong tools for procurement, accounts payable, software spend, and finance automation across the business.
Internal company spending
If your primary goal is managing internal operating expenses, not client media budgets, Ramp is a great fit.
Who Opal is for
Opal is the right fit if you are:
Apply online in minutes.
Frequently asked questions
Yes. Opal offers up to 2% cashback on ad spend. Agencies can earn cashback on the client media spend they are already managing, creating a recurring revenue stream from paid media budgets.
No. Opal does not require a personal guarantee or hard credit check. Eligibility and credit limits are based on factors like managed ad spend, cash flow, and underwriting.
Agencies manage spend differently than most companies. Client ad spend needs to be separated by client, platform, and campaign. Opal is built around those workflows, helping agencies reduce manual reconciliation, access scalable credit, and earn cashback on ad spend.