Overview
Ramp Bill Pay lets you use both your existing cards and single-use Ramp cards, to pay your bills. This is a great way to take advantage of earning cash back if your vendor accepts Visa!
Jump to:
- Selecting card as invoice payment method
- Delivering card details to vendors
- Transaction matching to bill
- Frequently Asked Questions
Selecting card as invoice payment method
When drafting a bill on Ramp, you can select your desired payment method. If your vendor accepts Visa cards, you can select to pay either via an existing Ramp card or via a single-use Ramp card.
- Existing Ramp card - cards that have already been created and exist independent of Ramp Bill Pay
- Single-use Ramp card - cards created in relation to a specific bill. Unique virtual card generated once all bill approvals have been met. The card limit will be set to the bill amount and will auto-lock once limit is reached.
For single-use Ramp card, you may also select to have the card details delivered to your vendor contacts via email by toggling the Send card details to vendor toggle on. Learn more about sending card details to vendors below.
After bill creation, Ramp will route the bill through approvals as normal. For Single-use Ramp card, the card details will be made available once the bill is fully approved.
Delivering card details to vendors
Existing Ramp cards
If you select an existing Ramp card for your bills, you may choose to pay your vendor through their payment process at any point.
Please note that you'll have to contact your vendor and/or enter the card details on the vendor’s payment portal yourself. Ramp isn't able to send card details for existing Ramp cards directly to the vendor at this time.
Once the transaction has cleared and the bill has been approved, you'll be able to match the transaction to the bill and sync the transaction over as a bill payment. Learn more about transaction matching below.
Single-use Ramp cards
Card delivery not enabled
If the send card directly to vendor option isn't toggled on, Ramp won't email the single-use card details to your vendor. The card details will be available to view once the bill is approved and can be manually shared with the vendor and/or input into their payment portal.
Once the transaction has cleared, you will be able to match it to the bill and sync it as a bill payment. Learn more about transaction matching below.
Card delivery enabled
If you select single-use Ramp card and have the toggle send card directly to vendor enabled, Ramp will email the card details to the default vendor contact on the due date, given the bill is fully approved before then.
Clicking the Access card button will bring the email recipient to a page with the card details present. The recipient will need to enter the details themselves to facilitate payment processing.
Locking single-use cards
Single-use cards will auto-lock in the following conditions
- Spend limit for issued card has been reached. For example, if a single-use card is created for a $100 bill, once $100 has been transacted on the single-use card, the card will auto-lock and terminate.
- If card delivery is enabled, the single-use card will auto-lock 7 days after initial email delivery
- If card delivery is not enabled, the single-use card will auto-lock 21 days after bill approval
You may also manually lock the card by navigating to the 3 dots menu on the bill and clicking the Cancel Delivery option or by locating the card in the Cards tab and clicking the Lock button.
Transaction matching to bill
Existing Ramp cards
Once the bill is approved in Ramp, you can search for and match the relevant transaction to it.
Ramp will search through transactions and suggest matches for the bill based on the vendor name and transaction amount on the card. Click the Search transaction button to locate the desired transaction and match it to the bill.
Please note card transactions can only be matched if they meet the following conditions:
- The transaction has cleared and is no longer in a pending status
- The transaction hasn't synced over to the accounting provider as a card transaction
- For the transaction to be matched and synced over as a bill payment, it can't be synced as a card transaction
- The transaction amount is equal to the selected bill(s) summed amount
- For example, if there is a $100 transaction, you may match it to one $100 bill or to two $50 bills
Once the transaction is matched, Ramp will mark the bill as paid in both Ramp and your accounting provider. Learn more about match card transaction syncing below.
Single-use Ramp cards
After the vendor transacts on the given single-use card, Ramp will automatically match the associated transactions with the bill once those transactions clear. If the transaction(s) sum up to the bill total, the bill will be marked as paid in both Ramp and in your accounting provider.
Accounting syncing for matched card transactions
For both existing Ramp cards and single-use Ramp cards, once your transaction is matched to your bill(s), Ramp will mark the bill(s) as paid and sync over the card transaction as a bill payment.
Note that this means the transaction is no longer recorded the same way as a typical card transaction. Instead of increasing the total balance of your credit card liability account directly, the AP liability is shifted to the credit card liability account automatically, and the next payment toward your statement balance reconciles this.
For customers using Ramp for Multi-Entity, it's important to ensure the transaction entity matches the entity on the bill(s) when you confirm the match.
Any adjustments or additional journal entries would need to be handled manually in your accounting provider.
Frequently asked questions (FAQs)
When should I use a single-use credit card versus an existing Ramp card?
We recommend using a single-use card if you're concerned that the vendor will overcharge or if the vendor relationship is a one-off. An existing card should be used for recurring charges to a vendor.
Is there a maximum amount that can be charged on the single-use or existing card?
Your maximum amount payable by either card product will depend on your limit and current balance. Because these are card payments, the amount spent will be added to your current balance. For more information, read Card limits and spend programs.
For single-use Ramp card delivery, which vendor email does Ramp send the card details to
Ramp will email the single-use card details to the default vendor contact you have on file for the given vendor.
For single-use Ramp card delivery, are there reminder emails sent to the vendor email?
Yes, Ramp will send the vendor contact email reminders 2, 4, and 7 days after initial card delivery. Reminders will continue until either the card limit is fully reached or the card is locked.