spend-analysis

name

spend-analysis

description

Analyze spend by vendor, category, or team over a date range. Pulls card transactions and bill payments, aggregates totals, and produces summary tables. Use when: 'how much did we spend on', 'vendor spend', 'SaaS review', 'spend report', 'inference costs', 'total spend', 'spend by vendor', 'spend analysis', 'pull transactions for', 'cost breakdown'. Do NOT use for: approving transactions (use approval-dashboard), uploading receipts (use receipt-compliance), or verifying a single bill payment (use payment-lookup).

Non-Negotiables

• Always query both transactions and bills for complete vendor spend. Card charges and bill payments are separate resources — there is no unified spend endpoint.
• Pass --agent for machine-readable JSON output on all commands.
• Handle amount format differences: transactions use strings ("$1,048.25", "-$259.49"), bills use numbers (15000), PO amounts use numbers. Reimbursement amounts are in dollars.
• Paginate until next_page_cursor is null — a single page may not return everything.
• Flag vendor name variants explicitly (e.g., "Delta Air Lines" vs "Delta Airlines") — the API does not normalize.
• Negative transaction amounts are refunds. Include them in totals but call them out.

Workflow

Step 1: Pull card transactions

For each vendor (or all vendors if doing a broad analysis):

ramp transactions list \
  --transactions_to_retrieve all_transactions_across_entire_business \
  --reason_memo_merchant_or_user_name_text_search "<vendor>" \
  --from_date <YYYY-MM-DD> \
  --to_date <YYYY-MM-DD> \
  --include_count \
  --page_size 200 \
  --agent

If next_page_cursor is not null, paginate:

ramp transactions list \
  --transactions_to_retrieve all_transactions_across_entire_business \
  --reason_memo_merchant_or_user_name_text_search "<vendor>" \
  --from_date <YYYY-MM-DD> \
  --to_date <YYYY-MM-DD> \
  --page_size 200 \
  --next_page_cursor "<cursor>" \
  --agent

For broad analysis (all vendors): Omit --reason_memo_merchant_or_user_name_text_search to pull all transactions, then group client-side.

Step 2: Pull bill payments

For a specific vendor:

ramp bills search --query "<vendor>" --include_paid --limit 50 --agent

For broad analysis (all vendors):

ramp bills list --include_paid --limit 50 --agent

Repeat either with --page_cursor if next_page_cursor is not null.

Note: bills search has no date range filter and returns due_date but not payment_date. For date-bounded actual spend, drill into paid bills with ramp bills get <id> --agent to get payment_date, then filter by that. If drilling into every bill is impractical, filter by due_date but label the result as "bills due in period" rather than "spend in period." Bills with payment_status: "OPEN" are unpaid — report them separately as commitments.

Step 3: Parse and aggregate

Transaction amounts (strings → numbers)

# Sum a single vendor's transactions
... | jq '[.data[0].transactions[].amount | gsub(","; "") | if startswith("-$") then ltrimstr("-$") | tonumber | (. * -1) elif startswith("$") then ltrimstr("$") | tonumber else tonumber end] | add'

Bill amounts (already numeric, filter to paid only for actual spend)

... | jq '[.data[0].bills[] | select(.payment_status == "PAID") | .amount] | add'

Multi-vendor table with pagination

Fetch all pages first, then aggregate. The loop continues until next_page_cursor is null:

# Page 1
ramp transactions list \
  --transactions_to_retrieve all_transactions_across_entire_business \
  --from_date 2026-01-01 --page_size 200 --include_count --agent \
  > /tmp/txns_page1.json

# Page 2+ (repeat until next_page_cursor is null)
ramp transactions list \
  --transactions_to_retrieve all_transactions_across_entire_business \
  --from_date 2026-01-01 --page_size 200 --include_count --agent \
  --next_page_cursor "<cursor from previous page>" \
  > /tmp/txns_page2.json

Then merge all pages and build the vendor table:

jq -s -r '
  [.[].data[0].transactions[] |
    {merchant: .merchant_name,
     amt: (.amount | gsub(","; "") |
       if startswith("-$") then ltrimstr("-$") | tonumber | (. * -1)
       elif startswith("$") then ltrimstr("$") | tonumber
       else tonumber end)}]
  | group_by(.merchant)
  | map({vendor: .[0].merchant, total: (map(.amt) | add), count: length})
  | sort_by(-.total)
  | .[] | "\(.vendor)\t$\(.total)\t(\(.count) txns)"
' /tmp/txns_page*.json

Step 4: Present results

Format as a clear table:

Vendor Spend: 2026-01-01 to 2026-04-01

Vendor              Card Txns    Bills       Total
─────────────────────────────────────────────────
Figma               $24.00       $0.00       $24.00       (3 card txns)
Delta Airlines      $3,663.73    $0.00       $3,663.73    (5 card txns, 2 merchant name variants)
AWS                 $12,450.00   $8,200.00   $20,650.00   (8 card txns, 2 bills)

Total: $24,337.73

Call out:

• Vendor name variants found (e.g., "Delta Air Lines" + "Delta Airlines")
• Refunds included in the totals
• Bills vs transactions breakdown if both exist for a vendor
• Pagination — whether all results were captured or if there are more pages

Fields Available

From transactions list

Field	Description
transaction_uuid	Transaction UUID (use for deduplication)
merchant_name	Merchant name (not normalized)
amount	Formatted string ("$8.00", "-$259.49", "$1,048.25")
transaction_time	ISO 8601 timestamp
spent_by_user	Employee name
merchant_category	Category (e.g., "SaaS / Software", "Airlines")
reason_or_justification	Memo / reason
spend_allocation_name	Fund / budget name
transaction_link	Direct link to transaction in Ramp UI

From bills search

Field	Description
id	Bill UUID
vendor_name	Payee name
amount	Numeric (dollars)
invoice_number	Vendor invoice number
payment_status	Payment state
memo	Bill description

Multi-Vendor Queries

For SaaS reviews or inference spend monitoring, run vendors in parallel:

# Run these concurrently
ramp transactions list --transactions_to_retrieve all_transactions_across_entire_business \
  --reason_memo_merchant_or_user_name_text_search "Figma" --from_date 2026-01-01 --include_count --agent

ramp transactions list --transactions_to_retrieve all_transactions_across_entire_business \
  --reason_memo_merchant_or_user_name_text_search "Anthropic" --from_date 2026-01-01 --include_count --agent

ramp transactions list --transactions_to_retrieve all_transactions_across_entire_business \
  --reason_memo_merchant_or_user_name_text_search "OpenAI" --from_date 2026-01-01 --include_count --agent

Tip: For vendors with known name variants, run multiple searches and deduplicate by transaction_uuid:

• "AWS" and "Amazon Web Services"
• "Delta Air Lines" and "Delta Airlines"

Vendor Name Variant Detection

The API does not normalize merchant names. Common variants to watch for:

Vendor	Possible variants
AWS	"AWS", "Amazon Web Services", "Amazon.com Services"
Delta	"Delta Air Lines", "Delta Airlines"
Google	"Google Cloud", "Google", "GCP"

When running broad analysis (all transactions), group results and flag merchants with similar names. The agent should suggest merges.

Example Session

User: How much have we spent on Figma this year?

Agent: Let me pull both card transactions and bills.
> ramp transactions list --transactions_to_retrieve all_transactions_across_entire_business \
>   --reason_memo_merchant_or_user_name_text_search "Figma" \
>   --from_date 2026-01-01 --include_count --agent
> ramp bills search --query "Figma" --include_paid --limit 50 --agent

Figma spend YTD (2026-01-01 to today):

  Card transactions: 3 totaling $24.00
    $8.00  Michael Scott  2026-03-17  "Trial spend for one Sales user"
    $8.00  Michael Scott  2026-03-17  "Trial spend for one Sales user"
    $8.00  Michael Scott  2026-03-17  "Trial spend for one Sales user"

  Bills: 0

  Total: $24.00

Note: There's also an open PO for Figma Enterprise ($150,042.75, PO #9880)
if you want to check commitment vs actual spend.

User: Give me a full SaaS vendor breakdown

Agent: Pulling all transactions and grouping by merchant...
> ramp transactions list --transactions_to_retrieve all_transactions_across_entire_business \
>   --from_date 2026-01-01 --page_size 200 --include_count --agent

SaaS Vendor Spend YTD:

Vendor              Total         Txns
────────────────────────────────────────
Brown Group         $50,000.00    1
Cochran Ltd         $21,500.00    1
Goody               $9,119.13     3
Morris-Allen        $8,900.00     1
Figma               $24.00        3

⚠ Vendor name variants detected:
  "Delta Air Lines" (2 txns) + "Delta Airlines" (5 txns) — likely same vendor

Note: This only includes card transactions. Bill payments are separate —
want me to also search bills for these vendors?

When NOT to Use

• Verifying a single payment — use payment-lookup
• Approving transactions — use approval-dashboard
• Receipt or memo cleanup — use receipt-compliance or transaction-cleanup
• Detailed PO status — run ramp purchase_orders get directly

Gotchas

Issue	Fix
Transaction amounts are strings ("$1,048.25")	Strip $ and , before summing. Handle -$ prefix for refunds.
Bill amounts are numeric (dollars)	Use directly — no parsing needed
--transactions_to_retrieve is required	Always include it. Use all_transactions_across_entire_business for company-wide analysis.
Search text must be ≥3 characters	"AI" won't work — use full vendor name
bills search has no date filter	Search returns due_date not payment_date. Use bills get for actual payment dates. Use bills list for no-query pulls.
Vendor name variants not normalized	Run multiple searches for known variants. Dedupe by transaction_uuid.
Pagination ceiling	--page_size 200 is accepted. Still check next_page_cursor.
No unified spend endpoint	Must query transactions + bills separately and merge. Feedback filed 2026-04-02.
--include_count only on transactions	Bills search returns total_found automatically.
Something broken?	ramp feedback "message" to report CLI/API bugs