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Controlling Spend with Ramp Cards

Card Controls & Restrictions

Ramp offers extensive capabilities to help you control spend before it happens using Ramp cards with embedded policies. Here's an overview of the features available:

  1. Card level limits & frequency: When issuing either a virtual or physical card, choose a limit amount as well as frequency (non-recurring limit for one-time spend, like onboarding or a hardware purchase; or a recurring daily, monthly, or yearly limit for SaaS, general expenses, or wellness stipends).

  2. Merchant Restrictions: Define who employees can spend with, which vendors can be charged on what card, and how much they can charge.

    • With merchant-specific cards, the threat of fraudulent charges from stolen or compromised cards is reduced to near zero.

    • Merchant restrictions solve long-standing concerns for finance teams and finally give them the security and flexibility they need.

    • Merchant Restrictions enable finance teams to:

      • Block unapproved vendors from charging cards

      • Restrict cards to one or more vendors

      • Allow specific vendors on top of other category controls

  3. Auto-lock date: Choose a date in the future in which the card will stop accepting transactions, perfect for 7-day trip or a month-long software trial.

  4. Category controls: Select which spending categories are allowed or blocked on the card leveraging across 40+ Ramp Categories (e.g. SaaS, Flights, Taxi, Merchandise, etc.). Read more here.

  5. Transaction amount limits: Set a maximum amount per transaction above which a transaction will be declined. 

Card Request & Approvals

Approval policies on Ramp govern the steps required to approve card issuance, card edits, reimbursements, and bill payments. You can define who needs to approve what and when, as well as keep certain people informed via notifications. Any user can add approvers to the approval chain while an approval in-flight; only Admins may remove approvers.

Ramp makes it easy to customize approval workflows so admins can define the right set of people to approve expenses based on the amount. Approval policies cover:  

  • New card requests
  • Card edits
  • Reimbursements
  • Bill payments

Read more about our approval policies here