Guides
Payments
Let agents complete purchases with Ramp funding methods while maintaining company controls and a traceable audit trail.
Private preview: More payment methods
ACH, Virtual Cards, Check, Wire, and crypto-native payment methods are in private preview. Reach out to get early access.
Single Use Cards
Generate a single-use card credential scoped to one merchant and capped at the requested amount. It expires after the first authorization or 12 hours, whichever comes first.
How it works
- Ramp mints a fresh PAN and CVV at purchase time, scoped to one merchant and capped at the requested amount.
- A Ramp fund (Spend Controls) sets the policy ceiling. The agent can only generate credentials against funds available to the authenticated Ramp user.
- A connected agent requests the credential through an MCP runtime such as Cursor, Claude, ChatGPT, or Perplexity, or through the CLI's Agentic Purchase skill for terminal-based agents.
Limitations
Single-use card credentials are designed for direct merchant checkout. They do not support every transaction type.
Merchant and transaction limits
- The credential is limited to the selected merchant and approved amount.
- Merchant-category restrictions on the backing fund still apply.
The following merchant categories are blocked:
| MCC | Category |
|---|---|
| 4816 | Computer network and information services |
| 5122 | Drugs and druggists sundries |
| 5816 | Digital goods: games |
| 5912 | Drug stores and pharmacies |
| 5966 | Outbound telemarketing |
| 5967 | Inbound telemarketing |
| 5968 | Continuity and subscription merchants |
| 5993 | Cigar stores and stands |
| 6012 | Financial institution merchandise and services |
| 6051 | Quasi cash |
| 6211 | Securities brokers and dealers |
| 7273 | Dating services |
| 7995 | Betting, lottery, casino, and wagering |
Unsupported transaction types
- 3D Secure (3DS) transactions are not supported. This affects many online purchases in the EEA, UK, India, Japan, Australia, and some other markets.
- Merchant-initiated and card-on-file transactions are not supported. This affects subscriptions, recurring billing, and metered AI spend.
If you are running into limitations or issues for your use case, reach out to get early access to newer, more reliable payment methods.