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Card Expiration

Overview

All Ramp physical and virtual cards have expiration dates. As the expiration dates approach, Ramp will send email notifications, re-issue virtual cards, and prompt cardholders to confirm their mailing address for physical card shipping. Ramp may update card details in stored digital wallets and update stored card information depending on the merchant.

 

How it works

Virtual Card Expiration

For expiring virtual cards, Ramp will automatically re-issue cards, update any virtual cards in your mobile wallet and work with our network partner to auto-update any cards on file with merchants. 

14 days prior to expiration, a banner will be displayed at the top of “My Ramp” and in both card and vendor card drawers. You will also get an email notification on the card(s) that are expiring.

Ramp sends notifications on the schedule below:

  • An email on the day of expiration to alert customers we have automatically reissued their card(s)
  • If vendor details have not been updated with the new card information, a notification will be sent for vendor payment failures due to card expiration

Physical Card Expiration

For expiring physical cards, Ramp will notify and prompt you to verify your address before Ramp automatically re-orders the cards. Similar to virtual cards, Ramp will update your physical card details if saved in your mobile wallet and work with our network partner to auto-update any physical card details on file with merchants. 

Expiring physical cards that need to be re-issued or have been re-issued will show in the "My Ramp" dashboard, in the physical card drawer, and in mobile apps. Cardholders must verify their address before Ramp can automatically reorder the card. If the address is not verified within 7-10 days of expiry, Ramp will auto-reissue the card.

Ramp sends notifications on the schedule below:

  • First Tuesday of the month before expiration
  • Four weeks before expiry
  • One week before the expiry

Declines due to physical card expiration will trigger an email to the user letting them know they need to activate their card once shipped. If you have not received your card, please review Ramp's email notification for the address the card shipped to or log in to order a new physical card if it has not arrived. Expiring physical cards are terminated upon activation of the replacement.