Can funds be spent both in person and online?

How it works

Corporate cards function across multiple payment channels:

• In-person purchases: Physical cards work at any merchant that accepts Visa, including retail stores, restaurants, gas stations, and service providers.
• Online purchases: The same cards process transactions through eCommerce websites, subscription services, and digital marketplaces.
• Mobile payments: Cards added to digital wallets (Apple Pay, Google Pay) work for both contactless in-store payments and online checkout.

The card network processes all transactions uniformly, regardless of whether the card is physically swiped, tapped, or entered online.

How it works on Ramp

Ramp cards support spending across all channels with consistent controls:

Physical cards:

• Work at any merchant that accepts Visa
• Support contactless payments through mobile wallets
• Can be used online by entering the card number manually

Virtual cards:

• Designed primarily for online purchases and subscriptions
• Support both single-use and recurring transactions

Unified controls:

• Spending limits apply regardless of transaction channel
• Merchant category restrictions work for both in-person and online purchases
• Real-time transaction alerts fire immediately whether the purchase happens in a store or online
• Receipt collection happens automatically through the mobile app or email forwarding for all transaction types

Visibility:

• All transactions appear in the Ramp dashboard within seconds
• Transaction details include merchant name, amount, and category for both in-person and online purchases
• Accounting teams see the same level of detail and control across all spending channels

Common scenarios

Employee travel: An employee uses their physical Ramp card to pay for a hotel in person, then uses the same card online to book a flight and pay for ride-sharing through an app.

Department subscriptions: A marketing manager uses a virtual Ramp card for monthly SaaS subscriptions online, then adds the same virtual card to Apple Pay to purchase supplies at an office supply store.

Mixed purchasing: A team member orders office supplies online using their physical card number, then uses the physical card at a local vendor the same day. Both transactions follow the same approval rules and appear in real time.