Overview
Ramp offers a card experience designed to give your team the tools to spend responsibly, track budgets in real time, and streamline financial operations. With physical and virtual cards connected to funds and features that enable seamless sharing and control, Ramp makes managing business spend simple and scalable.
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How Ramp funds, cards, and spend programs work together
Ramp’s card infrastructure is designed to offer control, visibility, and flexibility at scale. Here’s how it works:
Funds
Funds in Ramp act as predefined budgets you can assign to employees, teams, or initiatives. They help ensure spend is tracked and limited according to your business goals.
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Each card must be connected to a fund
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Funds include spend limits and expiration controls
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Funds can be assigned to one or more cards and can be updated or removed anytime
Cards
Ramp supports both virtual and physical cards. These cards are issued to users and tied to funds.
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Virtual cards are issued instantly and are ideal for online transactions, subscriptions, and vendor payments.
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Physical cards are shipped to users and work for in-person transactions. Each employee can receive one card.
Spend programs
Spend programs group funds, users, and cards under a shared policy to streamline budget tracking and control. They’re ideal for managing departmental or initiative-based spend.
Each program includes:
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A shared fund or multiple funds
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Predefined spend limits and controls
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Assigned users and cards
Spend programs make it easy to enforce consistent policies and monitor group-level spend in one place.
Learn more: Spend programs overview and Funds, cards, and spend programs
Creating, editing, and terminating cards
Ramp gives Admins, Managers, and employees the ability to manage cards directly from their dashboard. What you can do depends on your role.
Creating cards
Admins and Managers
Admins and Managers can issue cards to any employee from the Ramp → Cards page.
To issue a card:
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Go to Ramp → Funds & cards
- Choose Physical card or Virtual card
- Click Issue
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Select the employee, assign or create a fund, and set card controls
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Click Issue card
Physical cards will be mailed to the employee. Virtual cards are active immediately.
Employees
Employees can request cards for themselves.
To request a card:
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Go to Home → click Request
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Choose the card type and submit the request
Your Manager or Admin will review and issue the card.
Editing cards
Admins and Managers
To edit a card:
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Go to Ramp → Funds & cards
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Click the ••• next to a card
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Select Edit card
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Update nickname, expiration, or other card settings
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Click Save
Employees
Employees can request edits to their own cards.
To edit your card:
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Go to Home → Select the card you want to edit
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Click Edit
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Change nickname, amount, frequency
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Save changes
Please note: The funds will remain the same until the changes are approved by a member of the finance team.
Terminating cards
Admins and Managers
To terminate a card:
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Go to Ramp → Funds & cards
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Open the card
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Click Edit → Terminate card
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Confirm
Employees
To terminate your own card:
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Go to Home → Select the card you want to terminate
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Click Edit → Terminate card
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Confirm
Please note: Terminating a card immediately disables it. Transaction history will still be visible for reference. Learn more: Ordering or requesting cards article
Sharing Ramp cards through shared funds
Ramp allows Admins and Bookkeepers to create shared funds that multiple users can access through their own cards. This enables shared budgeting across teams or projects without needing to hand off card details.
Use cases
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Departmental budgets (e.g., “Marketing Q2”)
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Events or offsite initiatives
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Office expenses shared by a location
How to create a shared fund
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Go to Ramp → Funds & cards → Issue
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Select "General expenses" for funds, or pick a spend program that issues shared funds
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Enter the names of the funds' owners. Each person listed here will receive distinct shared funds that they can add additional members to.
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Under Advanced, click on Sharing, or under the Pre-spend Controls for Spend Programs, toggle on the sharing functionality.
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Once the funds have been issued and shared, each member will be responsible for their missing items. If their items are not submitted in time, only the member's funds will be locked.
Please note: Shared funds help enforce centralized controls while enabling distributed access to the budget. Learn more: Shared cards & funds article
FAQs
Q: Who can create cards on Ramp?
Admins and Managers can create cards. Users can only request them.
Q: Can I use one card for multiple budgets?
Yes, through shared funds, a single user can have multiple cards tied to distinct budgets.
Q: What happens when a card is terminated?
The card is disabled and can no longer be used. All transaction history remains available for review.