Ramp

## How does Ramp Treasury handle approvals and controls for external debits?

Ramp Treasury Approval controls for external debits specify who can debit the Ramp Business Account and whether those debits require explicit approval before processing. When the 'Require approval' Debit Setting is enabled, every debit from untrusted vendors immediately debits the account but requires explicit approval from assigned approvers within a 2-day (48-hour) window; if no action is taken, the debit is automatically reversed. Trusted vendors added to the trusted list bypass the approval step, allowing their debits to process automatically. Originator IDs are used to identify trusted vendors for ACH debits. Debit approval requests appear under the Treasury tab and Ramp homepage, with notifications sent via email and optionally through Slack or Microsoft Teams if integrated.