Phyto Nex AI for Ramp

Ramp's spend programs and merchant restrictions stop a lot of bad spend at the point of sale, and that is exactly why the remaining leakage is hard to see. A $214.60 charge at a steakhouse fits a dinner program limit, but the itemized check underneath shows three bottles of wine for two attendees. Phyto Nex AI reads the receipt Ramp already collected and evaluates the line items against your alcohol, per-person, and attendee rules.

Setup is a standard OAuth consent screen. A Ramp admin approves the read scopes listed on this page, Ramp returns a token scoped to your business, and Phyto Nex AI begins backfilling the trailing 90 days of transactions so the first audit report covers last quarter rather than starting from zero. Phyto Nex AI never requests scopes that create cards, change limits, or lock users.

Many Ramp customers still run legacy reimbursements through Concur or Expensify for contractors or a subsidiary that has not migrated. Phyto Nex AI normalizes both feeds into one ledger and matches on amount, merchant descriptor, transaction date drift, and receipt image fingerprint. An $84.20 Uber that appears as a Ramp card transaction and again as an Expensify reimbursement is linked as one event with both source records attached.

When a violation is confirmed, Phyto Nex AI drafts the employee message and queues it for AP. If the employee marks a line as personal, AP records the repayment or payroll deduction in Ramp as usual; Phyto Nex AI logs the resolution for the audit trail but does not move money itself.