How long do I have to activate my Ramp card?

• You have 6 months to activate your card

• Cards not activated within 6 months are automatically terminated by Ramp

Can I (Admin / Business owner / Card manager / Delegate) activate a card on someone's behalf?

• No, only the owner of the card can activate the card

• This is due to security reasons to prevent fraud

How can I request a change to a specific cards or funds amount or frequency?

Go to My Ramp, select the cards or funds you want to modify, and click on Actions > Edit. Update the amount or frequency as needed and click "Save changes." Requested changes will go through the approval flow.

What should I do if an employee's transaction is declined because it has reached the spending limit?

As an Admin or Manager, you can increase the spending limit or review the transaction to ensure it complies with our church's policies.

Ramp is committed to helping you resolve any issues and ensure a smooth experience. Please contact Ramp's dedicated Support Team if you have further questions or need assistance.

What should I do if a blocked or declined transaction is not visible on Ramp? 

If a transaction is not appearing on Ramp, it could be due to the following reasons:

• Merchant decline: The merchant may have blocked or declined the transaction.

• Pre-authorization failure: The transaction might have failed during the initial authorization process.

To resolve the issue, please contact the merchant directly, as they can provide more insight into why the transaction may not have gone through.

Who can create cards and funds on Ramp?

Admins and Managers can create cards. Users can only request them.

Can I use one card for a single budget with multiple employees?

Yes, through shared funds, a single budget can be used across multiple employees.

What happens when a card is terminated?

The card is disabled and can no longer be used. All transaction history remains available for review.

Why is a card decline not showing up in Ramp?

If a card is declined but you do not see that decline in Ramp under Expenses > Card transactions > Declined, the decline most likely occurred on the merchant’s side before it reached Ramp.

To troubleshoot:

• Confirm the card details entered at checkout, including card number, CVV, expiration date, and billing address, match what is shown in your Ramp card details.

• Ask the merchant whether the decline is due to their own risk rules or those of the payment processor (for example, AVS or CVV mismatch, country or merchant restrictions, or other internal checks).

• If the problem persists across multiple merchants or repeated attempts, create or request a new virtual or physical card from your Ramp dashboard and try the transaction again. 

If no decline appears in Ramp after these checks, the transaction was not processed by Ramp. Only the merchant can provide details on why it was rejected.

Can my Ramp card be used at an ATM?

No, your Ramp card is a corporate charge card that cannot be used to withdraw cash or make cash advances.

Do Ramp cards have a pin?

USD Ramp cards don't have a PIN associated with them. 

Will my Ramp card work for money transfer services?

We understand that you may want to use your Ramp card for transactions on money transfer services like CashApp and Wise. However, due to the higher potential for fraud, Ramp cards do not allow these types of transactions.

Will my Ramp card work internationally?

Yes, Ramp cards work in most countries outside of the United States, including Canada, Mexico, and countries in Europe. Please take a look at this article for more information.

What's the difference between funds, virtual cards, and physical cards?

A physical card is a card you can carry in your wallet in person. Funds are allocations of money that you can spend on behalf of the Church. Virtual cards are a type of funds that can only be accessed digitally. Once a virtual card is approved, it is already activated and ready for use. Both virtual and physical cards have card numbers you can use online or in a digital wallet like Apple or Google Pay. Funds do not have card numbers by default since they're meant to be spent from your physical card. For a physical card to function, you must have funds. The physical card itself doesn't have any money. Without funds, transactions on a physical card will be declined due to a lack of spend ability. Please take a look at this article for more information.

Where do I find transactions from my physical card on Ramp?

Physical card charges may appear under your funds if the physical card was set to spend from a specific virtual card or funds at the time of the transaction. These transactions will count toward the associated funds limit and may block new transactions if that limit is reached. To review or change the funds or card a physical card is spending from as a manager or admin, go to Cards or Funds tab in the web app, select the relevant card or funds, and review the current fund or virtual card associated with it. To review or change the funds or card a physical card is spending from as an employee, log in to your homepage and click on the physical card on the righthand side, and select auto-match funds or choose other funds. 

Why are the last four digits on my receipt different from the last four digits displayed in Ramp?

This is likely tied to these charges paid using Mobile Pay (e.g. Apple Pay, Google Wallet, etc.). With Apple Pay, for example, the last 4 digits listed for Apple Pay transactions are the last four digits of the device-specific Device Account Number in place of the credit card number. This is a known security feature for this wallet. 

I've already activated my card. Why did my physical card get declined?

If your physical card doesn't have any funds to spend from, it will immediately decline because it doesn't have any money on its own.

How long do pending charges take to clear? 

Most pending charges will take a maximum of 9 days to be finalized, although it will often happen sooner. Pending charges from travel merchants can take up to 30 days to be finalized, especially in the case of a hotel or car rental authorization.

Can Ramp block or remove a pending charge?

Ramp is not able to block or remove a pending charge in most cases. In some specific cases for pending hotel charges (such as incidentals or other hotel holds), Ramp may be able to expedite removing the hold after checkout. The fastest way to alter a pending charge is to reach out to the merchant who made the charge, and request that it be cleared or reversed.

What do I do when I have a pending hotel charge? 

Employees do not get notification reminders for transaction missing items if it’s a pending hotel charge/transaction until the charge is cleared. If the funds have an auto-locking policy, there will be an exemption for missing items on pending hotel transactions so that the funds will not lock. Additionally, the pending transaction will not be displayed on the main homepage and will only be displayed in the transaction tab after clicking on the transaction.

What do I do when I have a pending gas charge?

If the gas hold amount is $100, $151, $250, $300, or $500, you will not get any notification reminders until the charge is cleared. If the funds have an auto-locking policy, there will be an exemption for missing items on pending gas transactions so that the funds will not lock.

What do I do when I have a pending car rental charge?

Employees will continue to receive notification reminders for transaction missing items on car rentals, and the auto-locking policy will continue to apply.

Do pending transactions impact card limits?

Yes. Pending transactions count against your card limit.

How do they affect card balance?

They eat up your remaining balance. For example, if you have a $1,000 limit and have a hold of $200, then you only have $800 spending power.