Employees usually cannot choose a fund at the time of purchase, but they may be able to reassign a transaction afterward if they have access to multiple funds.

Yes, funds can be spent both in person and online using your physical Ramp card. These funds draw from your allocated budgets for various purchases like travel or meals, while virtual cards are specifically reserved for online-only spending.

Most corporate spend platforms do not support splitting a single transaction across multiple funds at the point of purchase. Card networks process each transaction as one authorization, so the charge must be settled against a single funding source.

When you use a physical card, the merchant submits the transaction for authorization, the issuing bank verifies the card and available funds, approves or declines the transaction, and settles the payment within 2–3 business days.

The transaction is automatically declined at the point of purchase. The system blocks the charge in real time, preventing the purchase from going through and ensuring spending stays within approved limits.