SOUTHERN BAPTIST CHURCHES in California are now able to focus more of their time, energy, and resources on advancing the Gospel than on managing their ministry finances.

It’s all part of a partnership between Christian nonprofit WatersEdge and Ramp, a modern corporate card platform designed to streamline spending, integrate seamlessly with accounting systems, and provide real-time visibility and control.

After extensive research throughout 2024 and early 2025, the WatersEdge team set out to find a better credit card solution which aligned with the unique needs of churches and ministries while simplifying financial operations. That search eventually led them to Ramp.

“We initially piloted Ramp with a select group of churches, and the results spoke for themselves,” said Sarah Barham, Vice President of WatersEdge Ministry Accounting Services (MAS). “With strong feedback and measurable time savings, we opened the opportunity to all ministry clients.”

Ramp has now become WatersEdge’s recommended credit card solution for churches looking to simplify processes and strengthen stewardship.

“If you’ve been searching for a better credit card system for your church — or even if you haven’t — this is something well worth considering,” Barham said.

Ramp was built to reduce complexity and increase transparency, making it an excellent tool for ministry environments.

Here’s what churches are appreciating most:

• No cost to use. There are no fees to issue or use Ramp cards, helping churches stay focused on mission rather than overhead.

• $500 welcome bonus. Churches receive a $500 credit as a thank-you for making the switch.

• Significant time savings. Automated transaction syncing, receipt capture, and built-in approval workflows dramatically reduce administrative workload.

• Improved financial transparency. Expenses can be easily tracked, all from one intuitive dashboard.

Ramp removes many of the pain points churches experience with traditional credit card systems. Each time a card is used, the cardholder receives a text message or app notification prompting them to upload a photo of the receipt, select the appropriate account, and provide the business purpose of the expense, all in a matter of seconds.

Approved church staff can see uncoded or missing transactions in real time and send automated reminders, ensuring nothing slips through the cracks. The result? Clean, accurate records without the endless follow-ups. No more chasing down paper receipts. No more manual expense reports. No more time-consuming, end-of-month reconciliations.

Church leaders consistently mention how much time they’ve saved by eliminating manual receipt collection, expense reports, and credit card statement reconciliation. Ramp handles it all automatically, freeing staff to focus on ministry rather than paperwork.

Barham said the MAS team is passionate about serving California churches and ministries through their agreement with BFCal.

“You don’t have to be a WatersEdge client to benefit from this partnership. Our team will connect you directly with Ramp specialists who will guide you through the entire setup process. The goal is to make the transition smooth, simple, and stress-free. We believe this is a powerful tool for churches striving to be good stewards of both time and financial resources,” Barham said.

Sarah Barham, is Vice President of Ministry Accounting Services at WatersEdge. For more information call (909)730-4000 or email