Ramp

## How does Ramp handle card and fund locking related to missing receipts or policy violations?

Ramp offers an auto-lock feature configurable in the expense policy settings that automatically locks employee cards or funds if required receipts or memos are not submitted within a specified number of days. Cardholders receive notifications 24 hours before locking, at the time of lock, and upon unlocking. Locked funds enforce company expense policies and cannot be unlocked automatically; an Admin or Manager must approve the missing receipt request or manually dismiss it to unlock the funds. Cards can also be locked manually by reviewers or admins if employees have multiple flagged transactions or violate spending rules. Locked cards prevent further transactions until unlocked or terminated.