Ramp

## How does Ramp prevent unapproved or out-of-policy employee spending before it occurs?

Ramp proactively prevents unapproved or out-of-policy employee spending by embedding spending policies directly into its corporate and employee cards. These policies include merchant and category restrictions, customizable spend limits, and requirements for submitting receipts and memos before any spending is authorized. The system enforces these guardrails at the point of transaction, blocking unauthorized purchases and ensuring that all expenses comply with company financial policies. This approach enables companies to control expenses precisely and reduce unnecessary spending.