Ramp to XeroInter-company transfers and multi-currency settlements decompose correctly inside Well, then arrive in Xero as per-vendor documents with the source breakdown attached.
The Ramp integration connects your corporate card and expense management platform to Well.
The Xero integration connects Well to your accounting platform for bidirectional data flow.
Ramp tracks card spend and policy in real time; Xero accepts emailed PDFs and creates draft bills via Hubdoc.
Connecting Ramp to Xero through Well matches each Ramp card transaction inside its own ledger with Ramp policy classification, the receipt, and the FX rate (when needed) attached, then forwards the matched document to Xero's email-in. Ramp's MCP server pushes card-transaction events to Well; Hubdoc creates the draft bill from the forwarded PDF with the Ramp policy classification surfaced for your team to route to the matching tracking category in Xero.
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 Xero's email-in inbox with the receipt attached for your one-click confirmation.
Transfers between your own Ramp accounts and other entities you own are detected by counterparty and reciprocal-amount checks inside Well. The pair is tagged as inter-company so the matched documents reach Xero with the inter-company label rather than as two separate ordinary transactions.
Aggregated Ramp card statement lines from corporate cards are decomposed inside Well into per-employee, per-merchant documents. Each per-employee document is forwarded to Xero separately, so expense ownership stays attached to the underlying transaction in the target ledger.
Cross-currency Ramp transfers carry the source and converted amounts; Well records the FX rate at the timestamp of settlement and includes it in the document forwarded to Xero, so the FX delta is visible alongside the operational entry when you review the draft.
Well discovers new Ramp vendors via the read-only ETL load and mirrors them as company records. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Picks up Ramp transactions that arrive with an automated coding rule already applied. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Pulls each Ramp card account the workspace holds with its limit and the cards bound to it. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Captures every card transaction with merchant, amount, currency, and category. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Pulls employee reimbursement requests with their amount and category as a transaction. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Pulls the policy_violations field on the transaction so non-compliant lines surface for review. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Hubdoc reads the contact name and trading address off the PDF to match the vendor. You confirm or merge on first sight.
Hubdoc extracts the tax type and applies it on the draft bill. You confirm before posting.
Hubdoc stores the original PDF on the draft bill as the source attachment.
3 fields flow from Ramp into Xero.
| Ramp field | Label | Xero field | Label | |
|---|---|---|---|---|
| transaction.amount | Amount | Total | Amount | |
| transaction.currency_code | Currency | CurrencyCode | Currency | |
| transaction.id | Transaction id | BankTransactionID | Bank line id |
4 fields flow from Ramp into Xero.
| Ramp field | Label | Xero field | Label | |
|---|---|---|---|---|
| bill.invoice_number | Invoice number | InvoiceNumber | Invoice number | |
| bill.invoice_date | Issue date | Date | Bill date | |
| bill.due_date | Due date | DueDate | Due date | |
| bill.currency_code | Currency | CurrencyCode | Currency |
1Click 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 Xero draft bills queue populated by Hubdoc. 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.
3Click Connect with Xero; Well's OAuth proxy handles Xero authorisation through Dynamic Client Registration. Xero'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.
Know how much cash you hold right now, with the accounts counted and the ones left out both stated.
See where your company's money actually goes, no spreadsheets required.
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, before your accountant asks.
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.
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 which suppliers you pay on a schedule, what each costs a month, and how that spend moved.
Cancel a subscription, ask for a better price or contest a double debit, with your bank's facts in the email.
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.
Check that your bank and your books match, and re-run what missed rows.
See the net VAT your posted ledger shows for a quarter and which invoices to fix first.
Read your profit and loss or balance sheet straight from QuickBooks or Xero.
Answers better with these connected
See who owes you money, and how long they have been sitting on it.
See what you owe and when, ordered by due date with a running total.
Find out what each customer is worth over its whole life, ranked from the most valuable down.
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.
Know what you can count on earning each month, averaged over real months.
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 which customers your revenue came from in a period, ranked, with the part you could not place named.
See what you paid each supplier over a year, ranked, with the invoices that could not be placed counted beside the total.
Claim a refund or a compensation with the evidence in hand, and know what to say when you call.
Find the supplier refunds and VAT credits your company is still owed, with the evidence for each.
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 Xero 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 Xero inbox
Well forwards the extracted document to your Xero email-in address; Xero reads draft bills via email-in, with contact, dates, totals, and related records from it and you review and post. No write credential to Xero 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 Xero ready to reconcile.
Other ways to connect Ramp or Xero through Well.
Ramp
See the Ramp connector
Xero
See the Xero connector
Ramp → Pennylane
Reconcile Ramp card transactions and bills inside Well with…
Xero → Ramp
Pull Xero bills and contacts into Well, match them to Ramp c…
Gmail → Xero
Capture invoices from Gmail, extract data with AI, and push…
Soldo
See the Soldo connector
Spendesk
See the Spendesk connector
Freshbooks
See the Freshbooks connector
