COMPANY detail

RAMP AGENT CARD
Cards built for agents.

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Card Fallback

ONE COMMAND TO GET STARTED.

$ curl -fsSL https://agents.ramp.com/install.sh | sh
Doc

CARD FEATURE OVERVIEW.

CARD NAME
RAMP AGENT CARD Badge
DETAILS
SETUP & MONTHLY FEES
?
The cost to maintain the agent's card.
Free
CASHBACK & REWARDS
?
The percentage user earns back on the AI's spending.
1.5%
FUNDING SOURCE
?
How you loads the money (e.g., Stablecoins, Fiat Credit Line, Crypto Collateral).
Credit Line
IDENTITY REQUIREMENT
?
What is needed to open the account (e.g., Human KYC, Business KYB, None).
KYB
SPEND LIMITS & CONTROLS
?
Can you set hard daily/monthly dollar caps?
YES
MERCHANT WHITELISTING
?
Can you restrict the AI to only buy from specific websites/categories?
YES
HUMAN APPROVAL REQUIRED
?
Can it be set to ask you for permission before spending?
OPTIONAL
SUPPORTED AI FRAMEWORKS
?
Which AI systems it plugs into natively (e.g., LangChain, OpenAI, Claude, Any).
YES
SUPPORTED CURRENCIES
?
The specific coins or fiat the agent is allowed to spend (e.g., USDC, USDT).
USD
HARDWARE WALLET SUPPORT
?
Can a physical cold wallet (like Ledger) act as the master override key?
No
REAL-TIME ALERTS
?
Do you get an instant notification/log when the AI swipes?
Yes
CUSTODY TYPE
?
Who holds the keys (e.g., Self-Custodial, Platform Managed).
Custodial
PAYMENT NETWORK
?
The underlying rail the AI uses to pay (e.g., Visa, Mastercard, Web3 Native).
Visa
GEOGRAPHIC AVAILABILITY
?
Supported region to get the card.
US
Last Updated: Jul 7, 2026

Card Lifecycle & Purchase Flow

  • PURCHASE WORKFLOW:

1. Agent picks a fund (spend limit) it's scoped to. 2. Ramp mints a fresh PAN + CVV for the purchase. 3. Credential is scoped to one merchant and capped at the purchase amount. 4. Agent fills checkout form with card details. 5. Card auto-expires after first authorization or 12 hours.

  • CARD VARIANTS:

Ramp has four card types: Virtual (16-digit, ongoing), Physical (shipped to employees), Agent (single-use credentials for AI agents), and Embedded Virtual (iframe for browser-side exposure). Agent Cards is one of these four.

  • TROUBLESHOOTING:

Credentials show as regular transactions on the linked fund — no separate Agent Cards dashboard. Pass billing address explicitly in agent prompts (e.g., "billing address 123 Main St, San Francisco, CA 94110"). Paymentus and some bill-payment aggregators have known acceptance issues with single-use credentials.

Transaction Monitoring & Audit

  • ATTRIBUTION:

Every transaction traces back to the agent that initiated it and the human sponsor authorizing it. All agent actions land in Ramp's audit log automatically.

  • REAL-TIME TRACKING:

Subscribe to transactions.cleared webhooks for real-time spend events. Query transactions by agent, fund, merchant, amount, date, or user via MCP tools or API. Export full transaction history with receipts, memos, and GL coding.

  • DASHBOARD:

Credentials show up as regular transactions on the linked fund — no separate Agent Cards page. The audit log entry attributes the transaction to the agent acting on your behalf.

Pricing & Plans

  • RAMP FREE ($0/mo/user):

Unlimited virtual and physical cards. Corporate liability charge card. Category and vendor controls. Automatic receipt collection. Basic accounting rules. QuickBooks and Xero integrations. 24/7 chat support.

  • RAMP PLUS ($15/mo/user + platform fee):

All Free features plus: AI-powered coding, advanced NetSuite support, custom user roles, audit log, multi-entity support, Ramp Budgets (plan vs actuals), auto-lock cards on non-compliance, 24/7 phone support.

THE REAL STORY ON THIS CARD.

PROS
[ STRENGTHS ]
  • thumbs-up-fill No pre-funding — cards run on credit and settle later
  • thumbs-up-fill Per-merchant and per-category whitelisting with MCC-level controls
  • thumbs-up-fill Full audit attribution — every transaction traced to agent and human sponsor
  • thumbs-up-fill MCC blocklist: 13 restricted categories blocked at network level
  • thumbs-up-fill Multi-channel: MCP server + Ramp CLI for coding agents
  • thumbs-up-fill Composable spend controls inherit existing Ramp business policies
CONS
[ LIMITATIONS ]
  • thumbs-down-fill No 3D Secure — affects EEA, UK, India, Japan, Australia transactions
  • thumbs-down-fill No subscriptions or recurring billing — MIT/CoF not yet supported
  • thumbs-down-fill US-only business accounts — issued by US banks
  • thumbs-down-fill Credentials expire after 12 hours or first authorization
  • thumbs-down-fill No crypto or on-chain settlement — traditional banking only

GENERAL QUESTIONS.

Ramp Agent Cards integrate via two channels: the Ramp MCP server (https://mcp.ramp.com/mcp) for conversational assistants — explicitly supporting Claude Desktop, ChatGPT, Perplexity, Cursor, and any MCP-compatible client — and the Ramp CLI for terminal-based coding agents, explicitly supporting Claude Code and Codex (OpenAI). The CLI's agentic-purchase skill drives the full purchase workflow (credential → checkout → audit). Both channels honor the authenticated user's existing Ramp permissions and write every action to the audit log.

Humans control spend through Ramp Funds (Limits API) which define per-agent budgets with restrictions on amount, interval (daily/monthly/total), allowed merchant categories, specific allowed merchants, and permitted countries. Agent Cards draw against these funds — the agent can only generate credentials against funds it's scoped to. Additionally, a customizable human-in-the-loop policy auto-approves routine transactions and escalates high-value purchases for human review. An MCC blocklist of 13 categories (gambling, dating, securities, quasi-cash, etc.) is enforced at the network level. Agent Card issuance is policy-controlled at the business level — higher ceilings require a support ticket.

Ramp Agent Cards are part of the Ramp platform. The Free plan ($0/mo/user) includes unlimited virtual and physical cards with category and vendor controls. No per-card issuance fees, no transaction fees for standard use. The Plus plan ($15/mo/user + platform fee) adds advanced AI-powered controls, custom roles, and audit logs. Enterprise offers custom pricing with local card issuing in 30+ countries. Cashback of 1.5% applies to card purchases on all plans. There is no pre-funding requirement — cards run on credit and settle later.

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