Ramp money transfer refers to the bill payment functionality within the Ramp corporate card and spend management platform, allowing businesses to send funds via ACH, domestic wires (up to $12 million), international wires, and checks. It enables same-day processing for wires and ACH, with funds managed through a linked business account.
Ramp will first ACH debit your connected account for the required funds in USD. This typically takes 1–4 business days, depending on your bank. Once the funds are received, Ramp will convert them using competitive exchange rates and deliver the payment to your vendor in their local currency.
ACH or wire to linked bank account(s) on Ramp
Click "Move money" to transfer funds from your Ramp Business Account to any linked bank account(s) in Ramp via ACH or wires. For ACH transfers, the payment settlement time depends on the receiving entity.
Ramp Business Corporation is a financial technology company and is not a bank. Bank deposit services provided by First Internet Bank of Indiana, Member FDIC. Securities products and brokerage services are provided by Apex Clearing Corporation, an SEC registered broker dealer, member of FINRA & SIPC.
Ramp is committed to providing a safe and secure platform by using industry best practices, best-in-class technology, machine learning, and innovative proprietary solutions.
A ramp function describes a signal or value that increases or decreases at a constant rate (slope) over time, often starting from zero, creating a "ramp" shape on a graph, defined mathematically as r(t)=t⋅u(t)r open paren t close paren equals t center dot u open paren t close paren𝑟(𝑡)=𝑡⋅𝑢(𝑡) (zero for negative tt𝑡, equal to tt𝑡 for non-negative tt𝑡), useful in engineering for modeling linear changes like gradual loading or control systems.
Choose the Ramp offer presented to you. You'll be automatically taken to Ramp's website to choose your preferred cash out method and complete the transaction. Your funds will be sent to your preferred cash out method as soon as your crypto assets are received and the transaction is confirmed.
For payments off Ramp
If your company hasn't enabled payments via Ramp, you will be paid outside of the Ramp platform using alternative methods, such as Zelle, Venmo, check, payroll, or another method.
Ramp offers a free plan for basic features, while its paid Ramp Plus tier costs $15 per user per month, plus potential platform fees for larger teams, with an Enterprise option available for custom pricing. The cost primarily comes from the user fee in the Plus plan, not for card transactions or implementation on the core service, making it free for small businesses to start.
In rare cases, victims recover part of their funds—but usually only when scams are reported quickly and are tied to larger investigations. It's also important to be cautious of “recovery scams” that promise to get your money back for a fee.
This is a legal compliance requirement that cannot be waived. However, you can apply to Ramp if you're a business owner or officer without an SSN (social security number).
Ramp offers a free plan for basic features, while its paid Ramp Plus tier costs $15 per user per month, plus potential platform fees for larger teams, with an Enterprise option available for custom pricing. The cost primarily comes from the user fee in the Plus plan, not for card transactions or implementation on the core service, making it free for small businesses to start.
Yes. Ramp offers an unlimited number of virtual cards and physical cards at no additional cost, allowing your company to set spending limits for different employees or departments. Virtual cards also integrate with tools like Google Pay, giving businesses real time visibility and more control over company spending.
How to avoid foreign transaction fees for international payments
The 2/3/4 rule is a guideline, primarily used by Bank of America, that limits how many new credit cards you can get: no more than 2 in 30 days, 3 in 12 months, and 4 in 24 months, helping to prevent over-application and manage hard inquiries on your credit report. While not universal, it's a useful benchmark for responsible card application, though other banks have different rules (like Chase's 5/24 rule).
Bank Services for Ramp Business Account are provided by First Internet Bank of Indiana, Member FDIC. Ramp is a financial operations platform that helps companies achieve more by spending less.
Security and Compliance
Ramp is designed with security in mind. The brand offers secure features like virtual cards, transaction monitoring, and compliance controls to help protect a business against fraud and card misuse.
Top 8 Ramp alternatives and competitors for credit cards and spend management
Ramp is a corporate charge card powered by the Visa network. Unlike credit cards, charge cards require you to pay your monthly balance in full by each statement period. There is no ability to carry over balances, and therefore, Ramp does not charge interest.
Ramp earns revenue primarily through your use of the Ramp card and Ramp Plus subscriptions.
Ramp offers a more flexible alternative with built-in spend management features that give your company real-time visibility and control. Ramp combines a corporate card with software for managing approvals, vendor payments, recurring subscriptions, and spending limits across teams.