Cardholders may find other articles in the Ramp overview section to be more applicable.
Overview
Ramp earns revenue primarily through your use of the Ramp card and Ramp Plus subscriptions. Every time you make a purchase, merchants incur a small fee known as an interchange fee. This fee is shared between Visa, Ramp's card network partner, and the merchant's bank. Ramp receives a portion of this fee. Ramp Plus is an optional paid subscription for advanced capabilities, learn more here!
Note that as Ramp's card offering operates as a charge card, we do not profit from charging interest on carried balances. Additionally, Ramp may earn income from supplementary services such as international and same-day payments.
For our Ramp Flex offering*, which provides financing solutions, we generate revenue similarly to traditional lenders. However, this service requires credit approval and may not be available everywhere. Ramp Flex is financed by Ramp Financing Corporation and/or Lead Bank.
*Ramp Flex availability is subject to credit approval and geographic restrictions. Terms and conditions apply.