FAQs

Emburse Spend is a real-time expense management solution with deeply integrated virtual corporate card functionality. Emburse Spend empowers organizations to proactively control spend before it happens, enforce spending policy automatically, and close the books effortlessly with zero-touch accounting integrations.

Emburse Spend is designed to significantly improve the experience of both budget managers and employees purchasing on behalf of the company across many categories of spend. Examples include:

• Traditional business and corporate card feed management: integrate your current card programs into Emburse Spend and enjoy the same expense management benefits as your virtual cards and reimbursements.
• Recurring expenses: Easily manage subscriptions, advertising costs, periodic services, and even inventory with a single approval. Issue virtual cards to support recurring spending at the desired frequency and amount. Set it and forget it.
• Non-PO spending: Emburse Spend is the perfect option for expenses that don’t require a purchase order. Issue a virtual or physical card at the point of purchase to avoid the need to process invoices through Accounts Payable.
• Infrequent spending: Not everyone in an organization needs or uses a corporate card regularly. Emburse Spend will support infrequent spending with a flexible, easy-to-manage virtual or physical card that provides insight and control to finance teams. Receipts auto-reconcile, removing friction from typical corporate card reconciliation processes.
• Vendor payments: Quickly and more securely pay vendors with one-time use virtual cards.
• Out-of-pocket expense: Reimbursements batched daily for users without a corporate card.

A verifiable business and business banking information are required to use Emburse Spend. This information includes a legal business name, Employer Identification Number (EIN), physical company address, and a legal status of Inc., LLC, or Partnership.

Only organizations incorporated within the U.S. may register for an Emburse Spend account. In addition, the primary account owner must be a resident of the United States with a Social Security number and a verifiable physical U.S. street address (no P.O. Boxes). We do not offer Emburse Spend accounts to residents of Puerto Rico, Guam, the U.S. Virgin Islands, American Samoa, and other U.S. territories.

Once your account is created, Emburse will verify this information. The verification process can take several business days to complete.

Federal regulations require Emburse, on behalf of our card processor and bank partner, to collect, verify, and record information about the key person(s) who own or control the legal entity of your business. The disclosure of this information helps FinCEN, a bureau of the United States Department of the Treasury, and law enforcement fight financial crimes.

In order to create cards and fund the account, the identity of one individual with significant managerial control must be verified. Verification is done using name, personal address, personal or business identification number, and date of birth. No correspondence is sent to the individual's personal address; this information is only used to verify the individual's identity.

All that is required for any Emburse cardholder or non-administrator is a name and email. A phone number can also be added to receive instant notifications for receipt capture after a transaction is completed.

Yes. Emburse Spend supports ACH reimbursements for employees.

Yes. You can connect most major card program feeds to Emburse Spend. This will help you see full spend visibility across your Emburse Cards and other corporate card programs.

Yes. Emburse Spend connects to Quickbooks Online, Quickbooks Desktop, Oracle Netsuite, Sage Intacct, and Xero. Our custom export tool also allows you to automatically pull data into most other major ERPs.

Yes. Emburse Spend supports SAML-based SSO or admin-controlled two-factor authentication.

Emburse Cards are an add-on to our expense management solutions that your organization can use to create as many virtual and physical cards as you need for an unlimited number of users. Pricing for these solutions can be based on the number of users, the number of total employees at your organization, or the number of expense reports/reimbursements you use on a monthly basis. There are no additional fees for domestic transactions when using Emburse Cards. For information on international transaction fees, please see the Emburse Card Program Agreement.

Emburse Cards can be limited by total or periodic card budget, transaction amount, time, and merchant categories.

Emburse Cards are Commercial Mastercard cards and do not require a personal guarantee.

It depends on how you want to use your cards. Virtual cards work great for online transactions and can be used with Apple Pay or Google Pay, which may cover more than 90% of your transactions. However, some vendors, like restaurants and hotels, still require physical cards.

Virtual corporate cards are the perfect choice for most business spending categories, including software, subscriptions, training, and conference fees.

Yes, virtual cards are real cards. They work exactly the same as your plastic cards, minus being a physical object you can hold. These cards can be used online and loaded into both Apple Pay and Google Pay.

It takes only a few seconds to create both virtual and physical cards. Virtual cards are available immediately, and physical cards arrive in 7-10 business days with an option to use expedited shipping for a 4-5 business day delivery.

No, Emburse Cards are protected from being used at ATMs.

Emburse Spend is a subscription-based software platform.

Support is available to administrators and end-users, 9 a.m. to 5 p.m. Eastern Time, Monday through Friday.