Vendor verification

Overview

ACH ownership verification checks account-holder information for a vendor's bank account. Confirming that an account can receive deposits is different from matching its owner to the vendor. An ownership check may require your review and does not guarantee against fraud.

Request vendor verification

To request an ownership check, request ACH payment details from the vendor and select Ask vendor to confirm they own this account. when that option is available. An ordinary ACH request does not automatically request ownership verification. If the option isn't shown, you can still request payment details, but don't treat the request as confirmation of account ownership. Ramp sends the vendor a secure email from [email protected]. If the vendor is prompted to create a Vendor Portal account, they must complete setup before submitting details. See Vendor Portal access.

You can request details when you:

• Create a new vendor
• Edit an existing vendor
• Create a bill
• Bulk request ACH details from multiple vendors

If Ramp routes the request through Vendor Portal, all admins of that portal receive it. Otherwise, Ramp emails the default vendor contact with a secure link to respond and an invitation to claim the Vendor Portal. Request links expire after 30 days, and you can resend or re-request details from Ramp.

What vendor verification consists of

Ramp checks account-holder information using bank or verification-provider data, or supporting bank documents. A successful bank connection alone is not the same as a confirmed ownership match.

The verification steps can vary based on the vendor's bank and available connection provider:

• Secure bank connection: The vendor can connect their bank to provide account details. Ramp can use available account-holder data for the ownership check. See Bank account linking for vendors.
• Manual account details: If the vendor enters account details manually in an ownership-verification request, supporting bank documentation is required.
• Additional evidence: Ramp may also request a bank verification letter or recent bank statement for a linked account. Uploading a document does not mean the ownership check has passed. See Bank account confirmation for the vendor's next steps.

What vendors do to complete verification

Vendors sign in through the secure email link to complete verification. If they are prompted to create a Vendor Portal account, they must complete setup before submitting details. See Vendor Portal access. They can then use the account to manage payment details and share stored details with future customers.

The vendor's steps depend on how Ramp completes each verification check:

1. Open the secure request: The vendor opens the email from [email protected] and signs in through the secure link to view the request.
2. Provide ACH details: The vendor selects or connects an account, or enters account details manually.
3. Follow the verification prompts: During the request, the vendor completes the account checks and document uploads shown in Ramp. These may appear alongside account selection or as separate steps.
4. Submit when prompted: Ramp may allow submission while checks are still processing or when ownership could not be confirmed automatically. Submission is not confirmation that the account is ready for payment; see What happens after verification.

What happens after verification

Submitted details can still be awaiting checks, ownership review, or your configured vendor approvals. A completed submission or document upload does not by itself mean the account can be used for payment.

If ownership needs review: Open the vendor profile from Vendors and follow the Ownership verification needs review notice. Review the account-holder details before accepting or rejecting the account. If you cannot access the review, ask a Ramp Admin to check your vendor payment-detail permissions or have an authorized reviewer complete it.

If vendor edit approval is required: The submitted changes remain pending until the applicable vendor approval workflow is completed. Ownership review and vendor edit approvals are distinct controls; confirming account ownership does not waive required edit approvals.

If ownership cannot be confirmed automatically, the vendor may still submit details for your review. If you reject the submission, the vendor is directed to contact you to continue.

Frequently asked questions

What if a vendor cannot connect their bank directly?

The vendor can enter account details manually. For an ownership-verification request, they must provide the supporting bank documentation requested in the flow. See Bank account confirmation for document and review guidance.