International transfers on Ramp Bill Pay

Overview

With Ramp, you have the ability to pay your international vendors in USD and in foreign currency using Ramp Bill Pay. You have the ability to upload your vendors payment information, invoices, create and approve your international transfer within 60 seconds. We'll additionally sync your international payment information to your accounting provider automatically.

While international payments in USD are available to most Bill Pay customers, foreign currency bill payments are supported for customers on NetSuite, QuickBooks Online, Xero, Sage Intacct and CSV-based connections.

Businesses based in Nevada, and businesses in certain industries, may not be able to use international Bill Pay or may require Enhanced Due Diligence (EDD). See Limitations for international Bill Pay for details.

Payment method options including international wire, one-time virtual card, existing card, and pay outside Ramp

Adding an international vendor

To add a new international vendor on Ramp, you can begin by creating a new bill draft or by heading to the Vendors page and edit your vendor or add new vendor.

When creating or editing your vendor, denote the country where they are located. Note if you forward your invoice or drop your invoice on Ramp, we will attempt to automatically pull this vendor's country.

Vendor creation form with name, type, and country fields set to Canada

After choosing your vendors country, you'll be able to add your vendors bank account details. If you are paying your vendor outside of the US, choose add international details.

From there, you can select the currency of the account and add your vendors account details. The Account Details fields may change depending on the vendor country and selected currency.

Add Wire Details form with currency, SWIFT/BIC code, IBAN, and account holder fields

After that, add the other required details for your vendor, save your vendor and continue with the usual Bill Pay creation and approval process.

Please note:

Vendor payment timelines and fees

Currently, after initiating a payment, it will take between 1-5 days for your vendor to receive their payment. International payment timelines can be more variable depending on the destination country. If you do run into issues or run into a payment failure, we recommend reaching out to our support team via your Ramp dashboard.

Please note that there is a flat fee of $20 for international payments made via SWIFT USD on Ramp Bill Pay. This amount will be debited in one withdrawal from your connected bank account at the time the bill is initiated. Ramp does not charge the recipient of the payment. However, the receiving bank may impose fees beyond Ramp's control.

International payments in foreign currency incur market-competitive exchange rates (Explore our foreign currency exchange rates).

Note: The exchange rate for foreign currency bill payments is determined when the payment is initiated, not at the time the vendor's invoice was issued. The rate shown on the bill before payment initiation is an estimate and may differ from the final rate applied.

Supported countries

International payments in USD

Bill payments made via Swift USD are supported to the following countries:

* Israel and Palestinian territories: account address cannot be in the UAE
* United Arab Emirates: account address cannot be in Israel

*Note:*Swift USD is not supported for bank accounts located in the US.

International payments in FX

Bill payments made via FX local currency rails are supported for the following countries/currencies

* Israel and Palestinian territories: account address cannot be in the UAE
* United Arab Emirates: account address cannot be in Israel

Supported accounting integrations for foreign currency bill payments

International transfer callouts

Frequently asked questions

I enabled a currency under Local Currencies, but it does not appear as a Bill Pay option. Why?

The Local Currencies setting controls multi-currency spend for cards, limits, and Spend Programs. It does not affect Bill Pay. Bill Pay supports a separate set of currencies for international payments, listed in the Supported countries section above. To pay a vendor in their local currency, add their international banking details and select the FX payment method when paying the bill.

Can I change the invoice currency after a bill is created?

No. The invoice currency is set when the bill is created and cannot be changed afterward. To correct the currency, create a new bill with the correct invoice currency.