Credit Card Reconciliation

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 card activity, receipt capture, coding, policy checks, approvals, and accounting sync into one workflow.

Yes. Emburse Spend is credit card reconciliation software for SMBs that want to keep their supported existing cards while automating receipt collection, transaction matching, policy checks, approvals, and accounting workflows.

No. Emburse Spend integrates with supported existing corporate and business card programs, so you can keep the cards and banking relationships you already use.

If you need a card program, Emburse Cards is also available as an option.

Yes. Emburse Spend connects to supported American Express, Mastercard, and Visa card feeds so you can keep your existing cards while automating receipt capture, coding, approvals, and reconciliation.

Emburse Spend supports corporate and business card programs on the American Express, Mastercard, and Visa networks.

You may also use Emburse Cards as a primary or supplemental card program for integrated physical and virtual card issuance.

Availability depends on the card network, issuer, program, and geography. Contact Emburse to confirm whether your card program is supported.

A reliable process captures receipts near the time of purchase, automatically 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.

Employees can upload receipts through the mobile app, email, or web. For eligible card programs with real-time authorization support, Emburse Spend prompts cardholders to add a receipt and required details when a purchase is authorized, helping reduce receipt chasing later.

Yes. Emburse AI helps read receipt details and match receipts to the right card transactions, reducing manual review and making missing documentation easier to identify.

Yes. Emburse Spend flags missing receipts, incomplete coding, and policy violations. Finance teams configure required fields, policy rules, and approval workflows so expenses are more complete before they reach finance.

For eligible card programs with real-time authorization support, Emburse Spend shows the authorized transaction amount in real-time, before the transaction posts days later. This gives finance earlier visibility into card activity and prompts cardholders to add receipts and required details sooner. Once the transaction posts, Emburse Spend updates the expense with the final amount.

Availability depends on the card network, issuer, program, and geography. Contact Emburse to confirm whether your card program is supported.

Yes. Emburse Spend supports multiple eligible card-feed connections, allowing finance to manage activity from different card programs in one place.

Once expenses are approved, Emburse Spend syncs or exports approved expense data to accounting with the associated coding and available supporting documentation. This helps reduce manual cleanup and gives finance cleaner data before close.

Emburse Spend includes native integrations with QuickBooks Desktop, 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.

Yes. Emburse Spend supports virtual card issuance through eligible Emburse Cards, American Express, and Silicon Valley Bank (SVB).

Depending on the program, finance teams can apply available controls such as spending limits, merchant restrictions, recurring limits, and preset expense details.

Availability varies by issuer, program, and geography. Contact Emburse to confirm.

No. Emburse Spend also supports out-of-pocket expenses and reimbursements, allowing finance to manage card transactions and reimbursable expenses in one platform.

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 clean data to accounting, finance can reduce close pressure and manual cleanup.

Yes. Emburse Spend is built for SMBs that want better card control, cleaner reconciliation, and faster close without changing their card program or waiting until month-end to reconcile activity.