Credit Card Reconciliation
Keep your cards. Ditch the reconciliation headache.
Connect your existing card program and automate receipt matching, coding, policy checks, and approvals—so finance can reconcile throughout the month.
From purchase to close, keep card reconciliation moving
Employees capture receipts as they spend, while Emburse AI matches them to transactions and policy rules flag missing details early. Finance gets cleaner expenses sooner, with less follow-up at month-end.
See card activity sooner
For supported card programs, Emburse Spend brings card transactions into the platform so employees can attach receipts and complete required expense details. Finance can review activity throughout the month and stay ahead of reconciliation instead of waiting until statement review.
Seamless accounting sync
As expenses are approved, Emburse Spend sends coded expense data to your accounting system, along with supporting documentation where available.
Finance reconciles throughout the month and avoids a backlog of missing information at month-end.
Bring the card reconciliation workflow together
Card feed integration
Approval workflows
Audit trail
Flexible GL coding
Recurring spend visibility
Accounting sync & export
Keep your cards. Reconcile smarter.
See how Emburse Spend helps you capture receipts, match transactions, enforce policy and close faster–without changing your card program.
Frequently asked questions
Credit card reconciliation is the process of matching card transactions to receipts, expense details, and accounting records to make sure spending is accurate and properly recorded.
Emburse Spend helps streamline this process by bringing supported card feeds, receipt capture, coding, policy checks, approvals, and accounting sync into one workflow.
Yes. Emburse Spend is credit card reconciliation software for small and growing businesses that want to keep their supported card program while automating receipt collection, transaction matching, policy checks, approvals, and accounting workflows.
No, provided your existing card program is supported.
Emburse Spend works with supported card programs, so businesses can keep the cards and banking relationships they already use while managing expenses in Emburse Spend.
Emburse Spend can connect supported American Express, Mastercard, and Visa card feeds so you can keep your existing card relationship while streamlining receipt capture, coding, approvals, and reconciliation.
Emburse Spend supports eligible corporate card programs across the American Express, Mastercard, and Visa networks.
Availability depends on the card network, issuer, and specific card program. Contact Emburse to confirm whether your existing card program is supported.
A strong reconciliation process captures receipts close to the time of purchase, matches them to card transactions, collects the required coding and business details, routes exceptions for review, and syncs complete approved data to the accounting system throughout the month.
Emburse Spend helps bring those steps together in one workflow so finance teams can reduce manual follow-up and stay ahead of month-end reconciliation.
Employees can upload receipts through the mobile app, email, or web.
Emburse Spend keeps receipts and card transactions together in the expense workflow, helping employees provide documentation sooner and reducing the amount of receipt chasing that finance needs to do later.
Yes. Emburse AI helps read and extract receipt details and match receipts to the right card transactions, reducing manual review and making missing documentation easier to identify.
Yes. Emburse Spend can flag missing receipts, incomplete coding, and policy violations.
Finance teams can configure required fields, policy rules, and approval workflows so expenses are more complete before final review.
Emburse Assurance can also be added to provide AI-powered guidance and review capabilities that help identify missing information, policy issues, and potentially risky expenses.
Emburse Spend helps finance teams review supported card activity throughout the accounting period instead of waiting until statement review.
Employees can add receipts and required expense details as activity comes into Emburse Spend from a card feed, helping finance identify missing information and keep reconciliation moving throughout the month.
Yes. Emburse Spend can support multiple eligible card feed connections, allowing finance teams to manage activity from multiple card programs in one place.
Once expenses are approved, Emburse Spend can sync or export approved expense data to your accounting system with the associated coding and available supporting documentation.
This helps reduce manual cleanup and gives finance more complete data before close.
Emburse Spend integrates with QuickBooks Online, Xero, NetSuite, and Sage Intacct. For other accounting workflows, you can use custom CSV exports or automate file delivery via SFTP.
Yes. Emburse Spend gives finance visibility into subscriptions, recurring spend, and repeat charges, helping teams identify activity that may need review before it becomes another month-end surprise.
Virtual card issuance is coming soon to Emburse Spend in Australia. Speak with our team to express your interest and join the waitlist for updates on availability.
No. Emburse Spend also supports employee-paid expenses and reimbursement workflows, allowing finance teams to manage card transactions and reimbursable expenses in one platform.
Direct reimbursement payment execution is coming soon to Australia. Speak with our team to express your interest and join the waitlist for updates on availability.
Emburse Spend helps finance manage reconciliation throughout the month instead of all at once.
By capturing receipts earlier, matching them to transactions, flagging missing details, routing approvals, and syncing approved data to accounting, finance teams can reduce close pressure and manual cleanup.
Yes. Emburse Spend is built for small and growing businesses that want better visibility into card spend, cleaner reconciliation, and less manual work without replacing their existing card program.
It is especially well-suited to lean finance teams that want a straightforward way to manage receipts, policies, approvals, coding, and reconciliation throughout the month.