What Should I Do If There Are Fraudulent Charges on My Ramp Card?

Quick answer: Lock the card immediately in the Ramp app, then dispute the unauthorized charge as an "Unrecognized charge." Do not wait for the charge to settle — fraud can be disputed while a charge is still pending.

Fraud (also called external fraud) means someone you don't know used your church card information without permission — for example, random retail charges in another state. Acting within minutes, not days, protects the church's funds.

Step-by-Step Response

1. Lock the card immediately

Open the Ramp mobile app or website, find the affected card, and select Lock Card. This instantly blocks any further charges. Do this the moment you spot a suspicious charge, even at night or on a weekend — you do not need anyone's permission to lock your own card.

2. Dispute the transaction

1. Open the unauthorized transaction in Ramp.

2. Click Options (⋯) and select Dispute transaction.

3. Choose "Unrecognized charge" as the reason.

Because the card details have been compromised, the card will be permanently closed and a replacement issued. A new virtual card can be created instantly so ministry purchases are not disrupted while the new physical card is in the mail.

3. Secure your account

• Change your Ramp password to a strong, unique one.

• Confirm multi-factor authentication (MFA — the extra login code sent to your phone) is turned on.

• Review your recent transactions for any other charges you don't recognize.

4. Notify Church Admin

Church Admin needs to know for bookkeeping, budget tracking, and to watch for the same fraud pattern hitting other church staff cards.

Frequently Asked Questions

Can I dispute a charge that's still "Pending"? Yes — fraud is the one exception. Select "I suspect fraud" and the dispute can be filed immediately without waiting for the charge to settle.

I don't see a Dispute button on my phone. Why? The charge is likely still pending (pending disputes must be filed from a desktop browser), or the charge is more than 60 days old.

Will locking the card break our church subscriptions? Only if that specific card pays for them. Best practice is a dedicated virtual card for each recurring vendor, so one compromised card never affects the others.

I need to buy supplies for an event tomorrow. What do I do? A new virtual card can be issued instantly and added to Apple Pay or Google Pay, so you can keep purchasing while the replacement physical card ships.

When does the church get its money back? Ramp investigates with the card network. Timing varies, but refunds are typically credited once the fraud is verified.

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