Bank account confirmation

Overview

Your customer can request confirmation of your ACH account details. If they request account ownership verification, Ramp checks account-holder information as well as account readiness for deposits. A bank connection or successful deposit check does not by itself confirm that the account owner's name matches your business.

Provide account details

Use the secure link in your customer's request to provide your account details. You can link your bank account to import payment details, or enter your account and routing numbers manually. For details about connecting your bank, see Bank account linking for vendors.

Complete account verification

If your customer requests account ownership verification, follow the prompts during the request. Account selection, verification, and document collection may appear together or as separate steps.

• Provide supporting evidence: Manually entered accounts require supporting bank documentation in this flow. Ramp may also request evidence for a linked account. When prompted, upload a bank verification letter or recent bank statement. An upload confirmation does not mean ownership has been confirmed.
• If ownership cannot be confirmed automatically: Ramp may let you submit for your customer's review or choose a different account. Follow the next step shown in your request rather than assuming you must start over.

What happens after confirmation

Submitting account details does not necessarily make them immediately available for payment. Checks may still be processing, and your customer may need to review account-holder details or complete their vendor approval workflow before using the account.

If your request shows Awaiting payer review, your customer needs to review the submitted details. If it shows Payer rejected this submission, contact the customer who sent the request to agree on the next step.