Accidental or personal charges on Ramp

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

Repay on Ramp (ACH transfer)
Repay Off-Ramp (track repayments done outside Ramp while keeping books tidy in Ramp).
Employees can also repay partially (pay less than the full amount) when appropriate, but Ramp does not support a second in-Ramp repayment after that partial repayment completes.

Use Repay transaction to start repayment from the transaction. For eligibility and repayment-method details, see Employee repayments.

Employee: repay an accidental transaction

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 you initiated a full repayment and the cleared amount is higher than the pending amount, the repayment will be canceled and you'll be notified.
Click Options → Repay transaction.
Enter an amount to repay (full or partial). If you choose a partial amount, you cannot request a second in-Ramp repayment later for the remaining balance.
For ACH repayment, a cardholder who lives in the US needs a USD transaction, a verified default personal USD bank account, and a company with ACH repayments enabled and a USD reimbursement bank account:

Repay on Ramp (ACH):
- If needed, Add Account to link and verify your personal bank (verification can take 1–3 business days).
- Optionally enter a short reason, then click Repay. Funds typically arrive to your company in 5–7 business days.

If Ramp offers debit card repayment, follow Debit card repayments.
If Repay Off-Ramp (track externally) is available, select it. By default, Ramp offers outside-Ramp repayment when no automated method is available, but some companies make it available alongside automated methods:
- 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.

You’ll receive an email and a task in Ramp.
Open the repayment request, review the details, and confirm the amount (full or partial). If you choose a partial amount, any remaining balance must be settled outside Ramp.
Ramp presents only the repayment methods available for your transaction. Follow the corresponding workflow:
- Personal bank account: If needed, link and verify your personal bank account, then complete the ACH repayment flow.
- Personal debit card: Follow Debit card repayments.
- Payroll deduction or another off-Ramp method: Follow Repay off Ramp.

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.
Continue to use Employee Repayments workflows if you are initiating or requesting repayment from a cardholder.

For more on repayments for admins, see Employee repayments.

Partial repayments are supported for both on-Ramp and off-Ramp paths. After a partial repayment completes, Ramp does not support a second in-Ramp repayment for the remaining balance.
On-Ramp ACH timing: bank verification 1–3 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).