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The solution builds on American Express’ Business Travel Account with Virtual Payments (BTA), a centrally billed account that supports eligible business travel expenses with virtual cards. While BTA’s central billing capabilities already give companies greater control over higher-cost travel expenses such as airfare and hotels, this collaboration enables travellers to extend their use of Amex Virtual Cards to eligible point-of-purchase expenses incurred during a trip.
Through the Conferma mobile app, American Express BTA customers can now create and manage Amex Virtual Cards for approved travel expenses and send them to a digital wallet for contactless and online payments.
Greater control, less complexity
Designed for today’s workforce, virtual cards can reduce manual processes associated with expense reporting, as well as reliance on cash and physical cards, by providing a digital-first alternative.
Through Conferma’s virtual card solution, American Express BTA customers can benefit from:
- Enhanced spending controls: Custom spending amounts, time limits and multi-level approval workflows reduce the risk of misuse and support policy compliance.
- Simplified expense management: Provisioning cards to digital wallet gives travellers a simple, familiar way to pay, helping to reduce out-of-pocket spend and minimise reimbursement burden.
- Reduced manual admin: Enhanced data through BTA statements, customisable reporting and integrated digital receipt capture in the Conferma mobile app simplify reconciliation and improve spend visibility.
Built for modern ways of working
Travellers often need to pay for additional approved expenses during their journey, creating administrative complexity for both travellers and finance teams.
By using American Express Virtual Cards with the Conferma mobile app, American Express BTA customers can extend controlled spending power to any employee, contractor or other authorised user while maintaining visibility, compliance and spend control.
The solution can support travel spend across the workforce, from frequent business travellers to occasional travellers, employees without a corporate card, recruitment programmes, contractors and intern programmes.
Supporting these use cases with virtual cards helps organisations improve visibility and control while reducing administrative effort.
Proven collaboration
The launch builds on more than 10 years of collaboration between American Express and Conferma, combining global scale with established virtual card technology. The solution is currently available to US-based American Express BTA customers, with several organisations already live.
Widad Choui, SVP, Corporate and B2B Solutions at American Express, said: “Businesses want simpler ways to manage spending while maintaining control and visibility. Our continued partnership with Conferma complements the central billing capabilities of BTA with virtual cards for on-the-go travel expenses, making it easier for businesses to manage spending while making it more convenient for travellers.”
“While travel bookings have become increasingly digitised, managing on-trip spend often remains a challenge. Together with American Express, we’re helping organisations bridge that gap by enabling Amex Virtual Cards to be managed through the Conferma mobile app and provisioned to digital wallets, combining a seamless payment experience for users with greater visibility and control for finance teams,” added Sonya Geelon, Chief Commercial Officer at Conferma.
For more information, customers should contact their American Express representative.
About Conferma
Headquartered in Manchester, UK, Conferma is the global leader in virtual payments, connecting businesses, issuers, and suppliers to streamline and secure transactions. Its technology underpins virtual card issuance for banks, travel management companies, and enterprises worldwide. For more information, visit www.conferma.com
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