Accidental or personal charges on Ramp

Mistakes happen. Ramp now supports two ways to resolve accidental, personal, or out-of-policy charges:

1. Repay on Ramp (ACH transfer), and
2. Repay Off-Ramp (track repayments done outside Ramp while keeping books tidy in Ramp).
3. Employees can also repay partially (pay less than the full amount) when appropriate.

There will always be a “Repay transaction” option. If you do not have a US bank account linked, then it will automatically default to 'Repay Off-Ramp'. Add a bank account to see the ACH option.

Employee: flag and repay an accidental transaction

1. Open the transaction in your Ramp dashboard. Note: You can now repay transactions that are still pending. The repayment will be queued and process automatically once the charge clears. If the cleared amount changes, the repayment will be canceled and you'll be notified.
2. Click Options → Repay transaction.
3. Enter an amount to repay (full or partial).
4. If you have a bank account linked, then the default will be

• Repay on Ramp (ACH):
  • If needed, Add Account to link and verify your personal bank (verification can take 2–3 business days).
  • Submit a short reason and click Repay. Funds typically arrive to your company in 5–7 business days.

5. If you do not have a bank account linked in Ramp:

• Repay Off-Ramp (track externally):
  • Select off-Ramp repayment to log that you’ll repay outside Ramp (e.g., payroll deduction).
  • The transaction will show a repayment-in-progress state. Your admin will later confirm it as repaid.

If a reviewer requests repayment

1. You’ll receive an email and a task in Ramp.
2. Open the repayment request, review details, and choose Repay on Ramp (ACH) or Repay Off-Ramp.
3. For on-Ramp, follow the bank-link flow (if not already linked) and confirm the amount (full or partial).
4. For off-Ramp, your admin will mark it Repaid once they confirm repayment occurred externally.

Admin/Manager: tracking and closing the loop

• Use the Repayments table to see all items marked Repay Off-Ramp, monitor status, and export to CSV.
• When an external repayment is confirmed (e.g., via payroll), open the transaction and click Mark as repaid to close it out in Ramp.
  • Note: Mark as repaid is visible to admins. Employees only see Cancel repayment on their own items.
• Continue to use Employee Repayments workflows if you are initiating or requesting repayment on flagged items.

For more on repayments for admins, see Employee repayments.

Notes and FAQs

• Partial repayments are supported for both on-Ramp and off-Ramp paths.
• On-Ramp ACH timing: bank verification 2–3 business days (if newly linked) + transfer ~5–7 business days.
• Off-Ramp keeps Ramp in sync even when funds move elsewhere—improving auditability and month-end close.
• Repayments for accidental or personal expenses are always processed under the cardholder’s Ramp account, even if a different employee ultimately covers the cost.
  • Only the cardholder can initiate repayment in Ramp using a connected personal bank account or debit card.
  • If someone other than the cardholder needs to cover the expense (for example, a manager or another employee), your team must handle that transfer outside of Ramp (for example, via payroll adjustment, internal reimbursement, or another internal process).