API Updates — July 2, 2026

New updated_at field on transactions — Transaction responses now include an updated_at timestamp representing the latest of user transaction time, settlement time, and interaction state update time. This makes it easier to understand exactly when a transaction was last modified, complementing the existing updated_after query filter. View endpoint

Vendor memo support for draft bills — You can now include a vendor_memo field (up to 400 characters) when creating or updating draft bills via POST /developer/v1/bills/drafts and PATCH /developer/v1/bills/drafts/{draft_bill_id}. The memo is also returned in bill responses. View endpoint

Target payment arrival date for bills — Added target_payment_arrival_date field when creating bills with use_default_payment_method=true. Ramp uses this date to compute the latest payment initiation date needed to target vendor arrival, automatically adjusting if the computed date falls on a weekend, holiday, or past cutoff. View endpoint

Ownership acknowledgement for financing applications — The create application endpoint now accepts an ownership_acknowledgement field with values CONFIRM_ALL_MAJOR_OWNERS_ENTERED or CONFIRM_NO_INDIVIDUAL_OWNS_25_PCT, letting you confirm beneficial ownership status during application creation. View endpoint

Lead referral partner attribution for applications — New optional lead_referral_partner_code and lead_referral_partner_channel fields on application creation allow agent-reported partner attribution with supported codes like yc, clerky, cofounder_co, and others. View endpoint

Retainage details on purchase order line items — Purchase order line items now include a withholding_line_item object with gross_amount, withholding_amount, and withholding_percentage fields for tracking retainage withholding. View endpoint

New audit log event type — Added Bill pay accrual synced to the list of supported audit log event types for tracking when bill accruals are synced. View endpoint

Currency enum values on transaction amounts — The currency field on transaction amount objects now returns a well-defined enum of ISO 4217 currency codes (plus stablecoin codes like USDC, USDT, EURC), giving you a complete set of possible values for validation and display.