Policy Agent: Full Expense Checks
Early Access. This feature is currently available to select customers. Opt in from your Early Access settings.
Overview
Ramp's Policy Agent now provides a full, structured assessment of every expense — going beyond a simple "in policy" or "out of policy" label. When reviewing an expense, you'll see exactly what Ramp evaluated and why it made its recommendation, so you can make faster, more confident approval decisions.
What you'll see
When you open a transaction or reimbursement for review, the expense detail page shows a summary of the most important findings at the top. To see the full assessment, click See what Ramp checked. This expands a detailed breakdown across four areas:
- Submission quality — Is everything filled out? Does the receipt match the transaction? Is it legible and legitimate?
- Policy alignment — Does this expense comply with company rules?
- Business purpose — Is there a clear, legitimate reason for the spend?
- Risk checks — Any fraud signals, risky employee behaviors, personal expense indicators, spending anomalies, or duplicates?
Each area shows a colored status indicator (green, neutral, or red) along with a written explanation specific to that expense.
How it works
The Policy Agent evaluates each expense by checking submission quality, alignment with your company's expense policy, risk signals, and business purpose, then synthesizing those findings into a structured summary with the most critical details surfaced at the top.
The assessment draws from:
- Your company's expense policy, programs, fund details, and any custom rules you've configured
- The full expense details, to ensure fields are complete and consistent
- Receipt checks for missing, duplicate, illegible, or questionable receipts
- Spending pattern analysis to flag anomalies or potential personal expenses
- Risky employee behaviors such as repeat violations
- Market rate benchmarks for flights and hotels, when available
What you can do
The assessment is designed to help you make informed decisions. Based on what the Policy Agent finds, you can:
- Approve the expense
- Request changes from the cardholder (for example, ask for a missing receipt or clearer memo)
- Reject the expense and request repayment
Frequently asked questions
Is this available for both transactions and reimbursements?
Yes. The full assessment applies to both card transactions and reimbursements.
Does every expense show the same four areas?
Yes. Every expense is evaluated across the same four areas for consistency. Some areas may show as not applicable if they don't apply to a particular expense.
Can I still see the original policy status?
Yes. This is only additive — all the original policy checks and status will still be presented.
Who can see the full assessment?
The assessment is controlled by the Policy Agent visibility settings. This can be changed on the Policy tab. We recommend showing this to all reviewers, as it drives significantly more compliant reviewer behavior.
I don't use the Policy Agent — can I access this?
No. You need to use the Policy Agent to access this feature.