What Should I Do If a Vendor Keeps Charging Our Ramp Card Over and Over?

Quick answer: Lock the card immediately in the Ramp app — that is the one action you need to take. A rapid string of repeat charges from a known vendor is almost always a glitch in the vendor's automated billing system, and Church Admin handles the disputes and refunds from there.

On rare occasions, a vendor's payment system gets stuck in a loop and charges the same card repeatedly — sometimes multiple times a day. Because it's an automated technical error, the vendor's customer support usually can't stop it fast enough. Cutting off the card's access to the money is the only immediate fix.

Your One Step: Lock the Card

The moment you notice a repeating charge pattern:

1. Open the Ramp mobile app (or log in on a computer).

2. Tap the card being charged.

3. Click Actions and select Lock Card.

Do this immediately — even late at night or on a weekend. You do not need to wait for anyone's approval, and every minute the card stays open, more charges can go through. Then notify Church Admin.

What Happens Behind the Scenes

• The card is permanently terminated. A standard lock can occasionally be bypassed by aggressive automated billing, so the card is fully closed to destroy the saved billing token the vendor's system is stuck on. A new virtual card is issued instantly so you can keep making ministry purchases.

• A single bulk dispute is filed. You do not need to screenshot or dispute each charge individually. All unauthorized charges from the loop are gathered and submitted together as unrecognized charges, which bypasses the normal 10-day merchant waiting period.

• Refunds beyond 35 charges arrive gradually. Card networks cap automatic disputes at 35 transactions per card. If the loop ran past that, the extra charges are processed manually with Ramp's fraud team at roughly one refund per day until the full balance is returned. Nothing extra is required from you.

Frequently Asked Questions

This is a vendor we know — why is it disputed as fraud? Because you never authorized this specific charge sequence, the card network treats the saved card details as compromised. That classification is what allows the money to be recovered quickly.

Why are some refunds coming back one day at a time? That's the card network's security limit for high-volume disputes — refunds beyond the 35-charge cap process at one per day.

How do we prevent this in the future? These glitches happen on the vendor's side and can't be predicted. The best defense is early detection: keep Ramp push notifications turned on so you spot the second or third repeat charge the moment it hits, and lock the card right away.

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