Limitations for international Bill Pay

Overview

Some businesses may not be able to use international Bill Pay on Ramp. These limitations are based on where your business is based and the industry your business operates in.

TODO: Update the reimbursements cross-link URL to the new "Limitations for international reimbursements" article once it is created in Zendesk

This guidance applies to international transfers on Ramp Bill Pay. For international reimbursement limitations, see International reimbursements.

When these limitations apply

USD-funded Bill Pay

For USD-funded Bill Pay, these limitations apply when the payment is being sent internationally. Your business may still be able to use domestic payment methods, such as ACH or domestic wire, when those methods are available on Ramp.

Bill Pay funded in CAD, EUR, or GBP

Bill Pay funded in CAD, EUR, or GBP is treated as an international payment on Ramp. The limitations in this article apply.

When international Bill Pay isn't available

Businesses based in Nevada

Businesses based in Nevada can't use international Bill Pay on Ramp at this time, and exceptions aren't available.

Not currently supported industries

Businesses in the following industries can't use international Bill Pay on Ramp at this time:

• Cryptocurrency companies
• Money service businesses
• Tobacco
• Adult content
• Gambling and online gaming
• Weapons and military goods
• Cannabis-related businesses

When enhanced due diligence (EDD) is required

Enhanced review industries

Businesses in the following industries require Enhanced Due Diligence (EDD) before international Bill Pay can be enabled:

• Company establishment services
• Freelance platforms
• Crowdfunding
• Charities and non-profits
• Financial services businesses
• Holding companies
• Insurance companies
• Investment companies
• Alcohol
• Pharmaceuticals
• Pharmacies
• Government services
• Automotive sales
• Chemicals
• Precious stones and metals
• Marketplaces and auction sites
• Ride-sharing services

If your business is in one of these industries, contact Ramp Support to start Enhanced Due Diligence (EDD). See How to contact Ramp's Support team.

Frequently asked questions

If my business is USD-funded, can I still use ACH or domestic wire?

Yes. These limitations apply only when the payment is being sent internationally. If domestic payment methods are available on Ramp, you may still be able to use them.

Do these limitations apply to Bill Pay funded in CAD, EUR, or GBP?

Yes. Bill Pay funded in CAD, EUR, or GBP is treated as an international payment on Ramp, so the limitations in this article apply.

Can I request an exception if my business is based in Nevada?

No. Businesses based in Nevada can't use international Bill Pay on Ramp at this time.

Can I request an exception if my business is in an industry that is not currently supported?

No. Businesses in industries that are not currently supported can't use international Bill Pay on Ramp at this time.

What happens if my business is in an enhanced review industry?

Businesses in enhanced review industries require Enhanced Due Diligence (EDD) before international Bill Pay can be enabled. Contact Ramp Support to start EDD.