Personal Card Reimbursements

Overview

Personal Card Reimbursements is currently rolling out to select businesses. If you do not see this feature in Ramp, your business may not have access yet.

Personal Card Reimbursements lets employees connect a personal credit card to Ramp via Plaid and create reimbursement drafts from imported personal card transactions. Ramp pre-fills the merchant, amount, and date so employees can submit faster and reviewers can better verify that the expense came from a real card transaction.

Your company must have reimbursements enabled before you can use this feature.

In Ramp, you may see this workflow described by labels such as Personal credit card, Connect card, Import via personal card, and Personal Card Transactions.

How it works

1. Go to Banking and use the Personal credit card section to click Connect card , then follow the prompts on the screen to connect your card.
2. Return to your homepage and click New > Reimbursement to open the personal card feed.
3. Choose one or more transactions from feed to create reimbursement drafts, or select I didn't use this card if your reimbursement was on a different card.
4. Review the pre-filled merchant, amount, and date, then add any other fields your company requires.
5. Submit the reimbursement through the normal reimbursement flow.

For general reimbursement requirements, payment setup, and payout timing, see Submitting reimbursements and How to add / change personal bank account details.

Privacy and visibility

• Your personal card transactions can be used to create reimbursements and are only visible to you unless you choose to submit a reimbursement from them.
• Admins, managers, and assistants cannot browse or review your personal card transaction feed.
• Personal card transactions are excluded from logging and impersonation access.

What reviewers see

• When you submit a reimbursement created from a personal card transaction, reviewers see the label Imported via personal card .
• This helps reviewers verify that the expense is tied to a real card transaction while still following the normal reimbursement approval flow.
• Reviewers do not get access to the rest of your personal card transaction feed.

For more on approval actions after submission, see Reviewing reimbursements.

Frequently asked questions

Do I still need to complete my company's required reimbursement fields?

Yes. Personal Card Reimbursements pre-fills the merchant, amount, and date, but your company's normal reimbursement requirements still apply.

Can I create reimbursements from more than one personal card transaction?

Yes. You can use one transaction or multiple transactions from your imported personal card feed to create reimbursement drafts.

Can I link multiple personal credit cards?

At this time, you may only link one personal credit card at a time.

Can my admin or manager see all of my personal card transactions?

No. Your personal card transaction feed remains private unless you choose to submit a reimbursement from a transaction.

What if I do not see Personal Card Reimbursements in Ramp?

This feature is currently rolling out to select businesses. If you do not see it, your business may not have access yet or reimbursements may not be enabled for your company.

What labels should I look for in Ramp?

Look for the Personal credit card section in Banking, the Connect card button, the Import via personal card option when creating a reimbursement, and the Imported via personal card label after you submit.