Personal Card Reimbursements
Overview
Available on Ramp Plus. See Ramp Plus overview for plan details.
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
- 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.
- Return to your homepage and click New > Reimbursement to open the personal card feed.
- 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.
- Review the pre-filled merchant, amount, and date, then add any other fields your company requires.
- Submit the reimbursement through the normal reimbursement flow.
For general reimbursement requirements, payment setup, and payout timing, see Submitting reimbursements and Add or change a personal bank account.
Privacy and visibility
- Assistant access to your personal card transactions is off by default. If this setting stays off, nothing changes and your Assistants do not get access to your personal card transaction feed.
- To grant your own Assistant access, open your Delegation settings, select the assigned Assistant, enable View and import personal card transactions, and save your changes.
- Ramp requires MFA or another step-up verification when this setting changes.
- An assigned Assistant with this setting enabled can view and import your personal card transactions and create reimbursement drafts for you. Your company's normal reimbursement permissions apply after a draft is created.
- You remain responsible for connecting, relinking, and refreshing your personal card account. Assistants cannot perform these account actions for you.
- Being an Admin, manager, or reviewer does not grant access to your personal card transactions. Personal card transactions are only visible after you or an enabled assigned Assistant creates a reimbursement from it.
- Personal card transactions are excluded from logging and impersonation access.
- For more information on our security posture, visit our security brief.
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. Being an Admin or manager does not grant access to your personal card transaction feed. See Privacy and visibility for the separate opt-in access available to an assigned Assistant.
What if I do not see Personal Card Reimbursements in Ramp?
This feature is available on Ramp Plus. If you do not see it, your business may not be on Ramp Plus, or may not have reimbursements enabled.
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.