Stop losing your card revenue to better software

Fintechs are quietly pulling spend away from your commercial cards.

Learn how embedded expense management protects your revenue and modernizes your card experience.

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Business professional using embedded expense management software to seamlessly manage commercial card transactions

Trusted by Thousands of Customers

Why is daily spend slipping?

Software is becoming the primary experience

Employees and finance teams increasingly choose platforms with built-in spend management, moving travel, vendor payments, and operating expenses off your commercial card program.

More spend moves off your card

Your commercial card accounts remain active, but everyday business spend gradually shifts to other cards and software platforms, reducing transaction volume without triggering customer churn.

Interchange revenue declines quietly

Every transaction processed outside your commercial card program reduces interchange revenue and weakens long-term customer engagement.

Illustration of how banks lose everyday business spend and interchange revenue to fintechs

Embed expense management to reverse silent churn

Increase card usage

Winning the primary payment position matters more than issuing another card. Embedded Sage Expense Management helps your commercial cards become the preferred choice for everyday business purchases, increasing your wallet share and interchange revenue.

Increase card revenue

Increase revenue through higher card usage, reduced service costs, and new software income streams from spend management. Businesses with real time spend visibility see a 69.5% growth in card spend.

Increase customer loyalty

Move beyond transactional banking by offering a solution customers use daily, increasing engagement, retention, and long-term commercial relationships.

Deliver the features your customers need to manage business spend

Connect your bank's commercial credit cards to embedded Sage Expense Management for automated reconciliation

Manage and reconcile existing credit card spend

Connect existing Visa, Mastercard and American Express credit cards with our industry-first direct integrations.

Automated receipt capture workflows in embedded Sage Expense Management expense reporting platform for banks

Track expenses with Conversational AI

See spend in real-time, receive instant spend notifications, collect receipts via text messages and automate receipt matching.

Actionable insights and expense reporting charts categorizing commercial card spend for business clients

Actionable insights on card spend

Our Copilot gives you AI-powered insights into your expenses, so you can break down spend, identify patterns, and set accurate budgets to manage cash flow.

Seamlessly export business credit card data to accounting softwares using Sage Expense Management accounting integrations.

Integrate with every accounting software

Sage Expense Management has powerful, 2-way integrations with accounting software like NetSuite, Sage, QuickBooks, Xero, and more.

Unlock platform growth

Equip your bank to outperform competitors. Deliver high-engagement card programs with advanced spend management features that drive spend, deepen client relationships, and unlock new revenue streams.

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Graph demonstrating how embedded Sage Expense Management helps banks significantly increase commercial card spend and transaction volume.

Launch a seamless spend experience without writing a single line of code

Accelerate go-to-market

Launch faster with minimal technical effort in as little as 6 weeks. Offer your customers a fully branded expense management platform that integrates seamlessly into your existing card program.

Accelerate your go-to-market time by seamlessly adding embedded Sage Expense Management to your bank's existing credit card portfolio.

Security and management

Sage Expense Management is SOC Type 1 & 2, PCI DSS, and GDPR compliant, ensuring that customer data is managed and stored securely, meeting the highest standards of data protection.

Ensure enterprise-grade data security and regulatory compliance with embedded sage expense management

Support and servicing

Sage expense management is backed by years of expertise, specialization and customer usage. Give your customers the benefit of best-in-class support, security, and customization.

Provide your banking clients with seamless onboarding and dedicated ongoing customer support through embedded Sage Expense Management