How does Well match Stripe records to entries in Ramp?

Well scores every candidate match between Stripe records and existing Ramp entries on counterparty name, amount, date proximity, currency, and reference. Above 85% the record links to the historical entry and Ramp updates; between 55% and 85% the candidates are queued for sign-off; below 55% the record stays open with the candidate list available.

What happens to historical Stripe data when I first connect to Ramp?

Stripe exposes the last two years through its API on a connected account. The window Well actually pulls is configurable from the integration settings page; each record is matched against your existing Ramp ledger, and re-running the backfill is safe because Well tracks the Stripe record IDs and updates existing Ramp entries instead of duplicating them.

Does Well handle multi-currency records between Stripe and Ramp?

Stripe carries the original transaction currency on every record, but Ramp ledgers in a single base; Well preserves the source currency, attaches the FX rate at the timestamp of the event, and the converted figure and the source amount both travel on the document Well forwards to Ramp, so both sides of the trade are visible when you post.

What happens if a Stripe record fails to post to Ramp?

When a record fails to post to Ramp (validation rule, missing field, transient 5xx), Well retries automatically with backoff. Auth failures short-circuit the retry loop and notify the workspace owner; schema rejections are kept on the integration status page with a one-click retry-after-fix action pointing back at the original Stripe record. Nothing silently drops.

What happens if I disconnect Stripe or Ramp?

Disconnecting Stripe stops the flow at the source. Well asks the Stripe MCP server to revoke the access token; Stripe returns confirmation and stops streaming events the moment it is acknowledged. Anything you already reviewed and posted in Ramp is Ramp's own record and is untouched; Well never held a write credential to it. Records held for review in Well remain in the queue so you can finish them by hand. Reconnecting later resumes from the last successful sync, not from scratch.

How does Well authenticate with Stripe and Ramp?

Stripe's MCP server handles authorisation directly; Well receives an access token through Dynamic Client Registration and never sees raw user credentials. For the delivery side, Well forwards the reconciled document to your Ramp email-in address once it clears the matching threshold; Ramp creates the draft record from it and you confirm and post it. Well holds no write credential to Ramp. Tokens are encrypted in transit under TLS 1.3. Anything Well holds between Stripe and Ramp is encrypted at rest and handled in line with GDPR.

Stripe to Ramp

AvailableNative · StripeNative · Ramp

Reconcile Stripe records against Ramp spend

Tie every Stripe payout to the matching Ramp deposit, with fees split and FX captured on each linked pair.

Connect both toolsView all integrations

Stripe

Source

The Stripe integration connects your payment infrastructure to Well via MCP, pulling charges, invoices, subscriptions, refunds, and payout data into your workspace automatically.

Ramp

Target

The Ramp integration connects your corporate card and expense management platform to Well.

Why this pair

Stripe records the money moving through your account and Ramp records the spend going out, but neither resolves the business behind a line or reconciles across the two.

Well reads transactions, invoices, and the companies behind them from Stripe and the spend records it reads back from Ramp, reconciles each payment to its invoice inside Well, and forwards the resolved document to your Ramp email-in address. Each record ties to a verified business, so the same supplier reads consistently across both tools.

What Well does between Stripe and Ramp

One-way: Stripe into Well into Ramp
Sync mode: Real-time MCP push
Events arrive in seconds

Trigger from Stripe

12 events · pick one

Well engine·recipe·When a Stripe charge succeeds

Source

from payment · live webhook

Lemon Studio

via Stripe

Charge

When a Stripe charge succeeds

ch_1q5nk · 22 Apr 2026€1,284.00

Extract

6 fields read from Stripe

6 fields read

CustomerLemon Studio
Charge date22 Apr 2026
Charge amount€1,284.00
CurrencyEUR
Processing fee€37.24

Enrich

against your historical record graph

4 fields added

Customer recordLemon Studio
Domainlemonstudio.io
Tax idFR42514682431
Sales journalVE · 2026

Confidence97%

<55% refused55–85% review≥85% auto-posts

Post

reconcile as draft bills

Create a draft bill in Ramp Bill Pay

auto-posted

posted

TypeBill
VendorLemon Studio
Amount€1,284.00
LedgerVE · 2026
Source docattached
Confidence97%

audit linkto Ramp

Action in Ramp

1 compatible with this trigger

Create a draft bill in Ramp Bill Pay

Workflows Stripe and Ramp unlock together.

01Featured

Reconcile across Stripe and Ramp

Well reads transactions from both Stripe and Ramp and reconciles each payment to the invoice it settles inside Well, so records join without manual lookup.

Resolve the business behind spend

Well resolves the company and people behind a record and forwards the resolved document to Ramp's email-in address, so the spend ties to a verified business.

Collapse look-alike businesses

Records resolving to the same company are treated as one business inside Well, so spend does not fragment across near-duplicates.

Keep the evidence linked

The Stripe record Well reconciled stays linked to the Ramp document, so each match traces back to the evidence it was built on.

18 signals and actions across Stripe and Ramp

When a Stripe subscription starts
Pulls from the Stripe events feed. Tracks new subscription records with cadence, amount, and customer.
Trigger·Invoice
When a payment intent settles
Pulls from the Stripe events feed. Detects successful payment intents and links the captured charge to the intent.
Trigger·Transaction
When a Stripe payout is created
Pulls from the Stripe events feed. Triggers on every payout batch with the underlying charges and fees.
Trigger·Transaction
When a Stripe payout lands in your bank
Pulls from the Stripe events feed. Detects the bank arrival of a Stripe payout to anchor the deposit.
Trigger·Transaction
When a Stripe refund is issued
Pulls from the Stripe events feed. Captures partial and full refunds with the originating charge id.
Trigger·Transaction
When a Stripe dispute is opened
Pulls from the Stripe events feed. Captures the dispute with the contested charge and dispute reason.
Trigger·Transaction
When a Stripe charge succeeds
Pulls from the Stripe events feed. Captures successful card and bank charges with currency, fee, and customer reference.
Trigger·Transaction
When a Stripe charge fails
Pulls from the Stripe events feed. Captures failed charges so you can chase the customer or retry.
Trigger·Transaction
When a Stripe customer is updated
Pulls from the Stripe events feed. Detects changes to customer name, billing address, or tax id.
Trigger·Company

Reference

Field mapping for Stripe → Ramp

8 fields across 2 record types, open to see the full table.

Transaction fields

5 fields flow from Stripe into Ramp.

Stripe field	Label		Ramp field	Label
charge.amount	Charge amount	→	transaction.amount	Transaction amount
charge.currency	Currency	→	transaction.currency_code	Currency
charge.created	Charge date	→	transaction.user_transaction_time	Transaction time
charge.description	Description	→	transaction.merchant_name	Merchant
charge.id	Charge id	→	transaction.id	Ramp transaction id

Invoice fields

3 fields flow from Stripe into Ramp.

Stripe field	Label		Ramp field	Label
invoice.currency	Currency	→	matched_record.currency	Currency
invoice.number	Invoice number	→	matched_record.reference	Reference
invoice.customer	Customer reference	→	matched_record.id	Source id

Connect Stripe and Ramp in three steps.

1
Connect Stripe
Click Connect with Stripe; Stripe's MCP server handles authorisation. Stripe's MCP server registers a read-scoped Well client through DCR; no credential paste, no shared secret.
- AuthOAuth 2.0
2
Map your accounts
Well discovers Stripe's charges, refunds, payouts, customers, disputes, and subscription events and the the Ramp Bill Pay drafts queue awaiting approval. Payouts are anchored to the matching bank deposit with the fee split into its own ledger line, so reconciliation shows gross revenue and processor fees separately.
- Auto-post above85% confidence
- Overridemanual anytime
3
Connect Ramp
Click Connect with Ramp; the Ramp MCP server registers a Well client automatically. Ramp's MCP server registers a write-scoped Well client through DCR; no credential paste, no shared secret.
- AuthOAuth 2.0
- First sync~30 min

43 agent skills run on Stripe and Ramp.

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

Runway

Know how many months of cash you have at your current burn, with both sides of the division shown.

Cash position

Know how much cash you hold right now, with the accounts counted and the ones left out both stated.

Cost structure

See where your company's money actually goes, no spreadsheets required.

Chase late invoices

Get a prioritized list of who to chase for payment, with their contact info and a message already drafted.

Rank clients by LTV

Find out what each customer is worth over its whole life, ranked from the most valuable down.

Company profile

Everything you know about one company, in one view.

Payment and invoice lookup

Find what payment settled an invoice, or catch every payment that never got one.

Missing receipts

Find the bills with no paperwork attached, before an auditor does.

Burn rate

Know what you spend in an average month over a window you can see, with the months that carried no spend counted.

Recurring revenue

Know what you can count on earning each month, averaged over real months.

Cash forecast

See the settled month-end cash series and where the line goes from the last complete month.

Cash flow bridge

See how the month moved from opening cash to closing cash, with whatever does not reconcile named as its own step.

Missing supplier invoices

See which suppliers owe you paperwork, before your accountant asks.

Assign missing invoices

Put a name on every settled expense that still has no invoice.

Missing invoice sweep

Walk the whole month-end sweep in one prompt.

Close the books

Drive the month-end close from open to sent to your accounting tool.

Categorize your suppliers

Close the category gaps behind your spend before you close a month.

Board pack

The board numbers in one pass, each with its scope and its window stated.

Subscription spend

See which suppliers you pay on a schedule, what each costs a month, and how that spend moved.

Subscription actions

Cancel a subscription, ask for a better price or contest a double debit, with your bank's facts in the email.

SaaS billing

See who cancelled, which payments failed and what was refunded, read live from Stripe, Paddle or Lago.

Unposted and blocked

See what in a month has not reached the ledger, and which pile each item sits in.

Check bank and books

Check that your bank and your books match, and re-run what missed rows.

Answers better with these connected

Receivables aging

See who owes you money, and how long they have been sitting on it.

Bills due

See what you owe and when, ordered by due date with a running total.

FX exposure

See how much of your cash and receivables sit outside your reporting currency.

Invoice fetching agents

See exactly which agents would run, before any of them does.

Convert currencies

Turn mixed currencies into one number you can actually audit.

Payables aging

See what you owe your suppliers, and how long each bill has been past due.

Compose a board

The measures you name, arranged on one board that stores the question rather than the answer.

Revenue by customer

See which customers your revenue came from in a period, ranked, with the part you could not place named.

Supplier spend register

See what you paid each supplier over a year, ranked, with the invoices that could not be placed counted beside the total.

Call and claim

Claim a refund or a compensation with the evidence in hand, and know what to say when you call.

VAT radar

See the net VAT your posted ledger shows for a quarter and which invoices to fix first.

Money back

Find the supplier refunds and VAT credits your company is still owed, with the evidence for each.

Employer cost

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.

Check contractor status

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

Invoice design

Pick how an invoice prints, from the designs and records you already have.

Import a statement

Drop a statement you already have, and get its transactions as records.

Connects and checks them

Check your connections

See what is connected, what is syncing, and what is missing.

Build your context graph

Connect your AI apps and your tools, then see your business as one context graph.

Connect your bank

Get the bank feed in, and confirm it is really live.

Tax id chase

The companies you deal with that carry no tax identifier, listed before year end.

Browse all skills

How Stripe and Ramp stay secure with Well

Well connects to Stripe through its MCP server, which issues short-lived access tokens via Dynamic Client Registration. Well never holds a long-lived Stripe secret; the server refreshes its own tokens on each session. Anything Well holds between Stripe and Ramp is encrypted at rest and handled in line with GDPR.

MCP server authEncrypted at restGDPR compliant

Scopes Well requestsmcp.stripe.com

Read Stripe records
Scoped to charges, refunds, payouts, customers, and related records. No access to anything else in your Stripe account.
granted
Deliver documents to your Ramp inbox
Well forwards the extracted document to your Ramp email-in address; Ramp reads draft bills via email-in at the @ap.ramp.com address, with invoice number, vendor, payment details, and related records from it and you review and post. No write credential to Ramp is requested.
granted
Modify or delete Stripe records
Not granted. Stripe is read-only on Well's side; the source of truth never moves.
refused
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.
refused

Disconnect any time from Well settings or Stripe’s admin panel.

Frequently asked questions about Stripe and Ramp on Well

01How does Well match Stripe records to entries in Ramp?: Well scores every candidate match between Stripe records and existing Ramp entries on counterparty name, amount, date proximity, currency, and reference. Above 85% the record links to the historical entry and Ramp updates; between 55% and 85% the candidates are queued for sign-off; below 55% the record stays open with the candidate list available.
02What happens to historical Stripe data when I first connect to Ramp?: Stripe exposes the last two years through its API on a connected account. The window Well actually pulls is configurable from the integration settings page; each record is matched against your existing Ramp ledger, and re-running the backfill is safe because Well tracks the Stripe record IDs and updates existing Ramp entries instead of duplicating them.
03Does Well handle multi-currency records between Stripe and Ramp?: Stripe carries the original transaction currency on every record, but Ramp ledgers in a single base; Well preserves the source currency, attaches the FX rate at the timestamp of the event, and the converted figure and the source amount both travel on the document Well forwards to Ramp, so both sides of the trade are visible when you post.
04What happens if a Stripe record fails to post to Ramp?: When a record fails to post to Ramp (validation rule, missing field, transient 5xx), Well retries automatically with backoff. Auth failures short-circuit the retry loop and notify the workspace owner; schema rejections are kept on the integration status page with a one-click retry-after-fix action pointing back at the original Stripe record. Nothing silently drops.
05What happens if I disconnect Stripe or Ramp?: Disconnecting Stripe stops the flow at the source. Well asks the Stripe MCP server to revoke the access token; Stripe returns confirmation and stops streaming events the moment it is acknowledged. Anything you already reviewed and posted in Ramp is Ramp's own record and is untouched; Well never held a write credential to it. Records held for review in Well remain in the queue so you can finish them by hand. Reconnecting later resumes from the last successful sync, not from scratch.
06How does Well authenticate with Stripe and Ramp?: Stripe's MCP server handles authorisation directly; Well receives an access token through Dynamic Client Registration and never sees raw user credentials. For the delivery side, Well forwards the reconciled document to your Ramp email-in address once it clears the matching threshold; Ramp creates the draft record from it and you confirm and post it. Well holds no write credential to Ramp. Tokens are encrypted in transit under TLS 1.3. Anything Well holds between Stripe and Ramp is encrypted at rest and handled in line with GDPR.

Connect Stripe and Ramp

Link both tools to Well so Stripe records reconcile against Ramp spend and resolve to verified businesses.

Try Well free

Read-only scopes on Stripe
AES-256 at rest, TLS 1.3 in transit
GDPR compliant
Revocable Ramp access in one click

Other ways to connect Stripe or Ramp through Well.

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Stripe

See the Stripe connector

Ramp

See the Ramp connector

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Reconcile Ramp card transactions and bills inside Well with…

Bill.com

See the Bill.com connector

Melio

See the Melio connector

Soldo

See the Soldo connector

Last reviewed: 2026-05-26