American Express announced a significant expansion of its partnership with Emburse, adding two new capabilities to Emburse Enterprise Expense: American Express Virtual Card issuance and Real‑Time Transaction Data. The move allows joint customers to create virtual cards directly within Emburse’s platform, automatically categorizing expense entries and delivering mobile notifications to employees and finance teams.
The virtual card feature gives businesses a secure, on‑demand payment tool that can be issued for specific vendors or projects. By embedding Amex’s card network into Emburse’s AI‑powered workflow, the partnership streamlines the employee experience, reduces manual reconciliation, and enhances policy compliance.
The Real‑Time Transaction Data capability streams card activity into Emburse’s software as purchases occur, giving finance teams instant visibility into spend and enabling faster reconciliation. This real‑time feed supports automated expense matching, fraud detection, and cash‑flow forecasting, addressing a key pain point for large enterprises that rely on manual reporting.
Strategically, the expansion strengthens Amex’s commercial services offering and positions the company to capture a larger share of the B2B payments market. Emburse’s platform, formerly Chrome River, is a leading AI‑powered expense and accounts‑payable solution that serves many Fortune 500 firms. By integrating Amex’s network, the partnership differentiates itself from competitors such as Navan, Ramp, and Brex, which focus primarily on virtual card issuance without the depth of real‑time data and AI analytics.
Widad Chaoui, Senior Vice President of Corporate and B2B Products at American Express, said the partnership “removes friction from the expense process and gives our enterprise customers a more secure, flexible payment tool.” Paul Nagy, Chief Product Officer of Emburse, added that the expansion “makes it even easier for our shared customers to manage business spend with confidence and speed.” The collaboration is expected to increase card usage among enterprise customers, potentially boosting fee revenue and reinforcing Amex’s strategy to expand its B2B ecosystem.
Emburse’s evolution—through acquisitions of Certify and Chrome River—has positioned it as a leader in AI‑powered financial intelligence. The partnership leverages Emburse’s AI capabilities and the growing demand for real‑time transaction data, aligning with industry trends that prioritize automation, efficiency, and data‑driven decision making. The combined offering delivers a comprehensive solution that addresses both payment and expense management, giving Amex a competitive edge in the B2B payments space.
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