Ramp

## What are Ramp spend programs and how do they function?

Ramp spend programs, formerly called card programs, allow finance teams to create sets of funds and cards organized by department, location, or other groupings. Each spend program includes one or more shared funds with predefined spend limits and controls, assigned users, and cards to enforce consistent policies and monitor group-level spending. Employees may request cards from these spend programs if enabled by the finance team. Spend programs facilitate management of various card and fund packages such as well-being stipends, per diems, and work-from-home allowances, enabling scalable and organized spend management across the company.