Ramp is a corporate spend management platform that issues business charge cards and provides software for expense management, bill payments, and automated receipt collection.
Ramp is a corporate spend management platform that provides businesses with charge cards, expense management tools, bill payments, and automated receipt collection. Headquartered in New York, NY and available to businesses across the U.S., Ramp issues Visa business charge cards to authorized employees and ties those cards to a central company account. The Ramp platform is accessed via web and mobile apps, where finance teams can set spend controls, review transactions, and automate accounting workflows.
A “RAMP” or “RAMP.COM” entry on a bank statement typically relates to business spending or repayments made through a company’s Ramp account. This may appear as: (1) an employee purchase made on a Ramp card that is now being repaid via ACH or bank debit from the company bank account; (2) a scheduled autopay of the Ramp charge card balance (often daily, semi-weekly, or monthly, depending on settings); (3) bill payments processed through Ramp Bill Pay; or (4) a temporary authorization hold if a new card or vendor payment was just created. Ramp does not generally bill consumers for subscriptions; charges are usually tied to a registered business account and its underlying employee card or bill payments.
If you’re unsure about a Ramp charge, first confirm whether your company uses Ramp and check your Ramp dashboard (or ask your finance/HR team) for matching transactions, cardholders, or bill payments on the same date and amount. You can review statements, individual card transactions, and invoices directly in the Ramp web app, and download receipts and expense details if needed. For unresolved questions, suspected fraud, or to dispute a transaction, an account admin can contact Ramp support via the in-app help widget or by visiting help.ramp.com; you can also email support@ramp.com from the email associated with your company account. Common issues such as duplicate charges, pending authorizations that didn’t complete, or incorrect amounts are typically handled through your company’s Ramp admin, who can then work with Ramp and/or the underlying merchant to resolve the billing problem.
Bank Statement Variations
1 known variations
These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Ramp.
Ramp usually debits your linked business bank account to repay outstanding balances on your company’s Ramp charge cards or to fund bill payments made through Ramp Bill Pay. Depending on your autopay settings, these debits can be daily, several times per week, or on a statement cycle. The charge amount should match either your current Ramp balance or the sum of recent bill payments. You can confirm this in the Ramp dashboard under Cards > Activity or Bill Pay > Payments.
What are common Ramp charge amounts I might see on my bank statement?
Ramp debits are often for round-number amounts that match your total outstanding card balance or a batch of bill payments (e.g., $4,215.37, $12,000.00, etc.). You may also see smaller test or initial payments when the account is first set up or limits are being adjusted. Each debit should correspond to a statement payment or a processed bill; log into your Ramp account and compare the debit amount and date with your Payment History for a direct match.
Why do I see a pending or temporary Ramp charge that later changes or disappears?
When an employee uses a Ramp card, the transaction first appears as an authorization hold from the underlying merchant, funded via Ramp. In some banking portals, the funding source or network may briefly show as "RAMP" or similar while the transaction is pending. If the merchant adjusts the final amount (e.g., tips, hotel, car rental, or fuel), the pending amount may differ from the final posted amount. If the authorization is reversed or expires, the pending entry will drop off and no completed charge from Ramp will remain.
Does Ramp charge subscription or platform fees to my card or bank account?
Ramp’s core corporate card product does not generally have annual card fees or traditional subscription fees; Ramp earns revenue primarily through interchange on card transactions. However, your company may enable optional paid features or services that could have associated costs. Any such fees would be shown clearly in your Ramp account under Settings > Billing or in your commercial agreement with Ramp. If you’re seeing an unexpected recurring debit, have a finance admin review your Ramp contract or billing section to verify what it relates to.
How can my company change autopay settings or pause Ramp debits?
Only an authorized admin on your company’s Ramp account can modify payment settings. They should log into Ramp, go to Settings > Payments or Banking, and review the autopay configuration (e.g., daily, twice per month, statement due date). An admin can adjust the payment schedule or, in some cases, temporarily pause automatic payments; however, because Ramp cards are charge cards, the full balance is still due in accordance with your terms. If changes are needed urgently, the admin should contact Ramp support through help.ramp.com or the in-app chat.
How do we dispute a charge or request a refund for a Ramp card transaction?
If the charge is from a merchant (for example, a software vendor or travel provider) and appears on a Ramp card, first try to resolve it directly with that merchant and request a refund or credit. If the merchant is unresponsive or the charge is fraudulent or incorrect, an account admin can open a dispute in Ramp: locate the transaction in the dashboard, click into its details, and select the dispute option or follow the guidance in help.ramp.com. Ramp will work with the card network to investigate, and you may receive a provisional credit while the dispute is reviewed. Keep documentation such as invoices, emails, and refund confirmations in case Ramp requests supporting evidence.
How can I confirm which employee or card generated a Ramp-related charge?
In your Ramp dashboard, go to Cards > Transactions or Activity and filter by date and amount to locate the transaction that corresponds to the bank debit or statement charge. Each transaction will list the cardholder, card name, merchant, and any associated expense category or receipt. For bank debits that repay a full balance, open the related statement to see all underlying employee card transactions included in that payment. If you don’t have admin access, contact your finance or accounting team—only designated admins can view company-wide transaction details.
How do I contact Ramp about an unknown or suspicious charge?
If your company has a Ramp account, an admin should contact Ramp directly from within the app using the support or help icon, or by visiting help.ramp.com and signing in. You can also email support@ramp.com from an email address associated with your organization’s Ramp account, including the date, exact amount, and last four digits of the card or bank account that was charged. If you believe the charge is fraudulent and you do not recognize any relationship to a business you’re affiliated with, you should also notify your bank immediately to secure the account and block further debits while the investigation is underway.
This merchant is in the Financial Services category