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1 | 1 | --- |
2 | | -title: Commercial-feeds.md |
3 | | -description: Commercial feeds |
| 2 | +title: Commercial Card Feeds |
| 3 | +description: Learn how to set up and manage commercial card feeds (Visa, Mastercard, Amex) in Expensify. |
| 4 | +keywords: [New Expensify, commercial feed, Mastercard feed, Visa feed, Amex feed, company cards, corporate cards, CDF, VCF, control account] |
4 | 5 | --- |
| 6 | +<div id="new-expensify" markdown="1"> |
5 | 7 |
|
6 | | -# Overview |
7 | | -Commercial feeds are the most reliable way to import company card expenses. They remain unaffected by changes to bank login credentials or UI updates, making them highly recommended for those eligible. |
8 | | - |
9 | | -The easiest way to confirm your eligibility for a commercial feed is to ask your bank directly. |
10 | | - |
11 | | -# Prerequisites for Enabling a Commercial Feed |
12 | | -If you haven't already, you need to create a workspace before setting up a commercial feed. Go to **Settings > Workspaces > New workspace** to create one. You can add one commercial or [direct feed](https://help.expensify.com/articles/new-expensify/connect-credit-cards/Direct-feeds) on the Collect plan. Upgrading to the Control plan allows you to add unlimited company cards. |
13 | | - |
14 | | -# How to Set Up a Mastercard Commercial Feed |
15 | | -Your bank must access Mastercard's SmartData portal to complete the process. Expensify is a registered vendor in the portal, so no additional Mastercard forms are required. Your bank may, however, have its own forms. |
16 | | - |
17 | | -## Steps to Add a Mastercard Commercial Feed: |
18 | | -1. Contact your banking relationship manager and request that your CDF (Common Data File) feed be sent directly to Expensify in the Mastercard SmartData Portal (file type: CDF version 3 Release 11.01). Specify the earliest transaction date you need in the feed. |
19 | | -2. The bank will initiate feed delivery by selecting Expensify in Mastercard's portal and will email you the distribution ID. |
20 | | -3. While waiting for your bank, ensure your workspace in Expensify is set up. |
21 | | -4. Submit the distribution ID in Expensify by navigating to **Settings > Workspaces > [your workspace] > Company cards > Add cards**, selecting your bank (choose "Other" if not listed), and then selecting **Mastercard Commercial Cards**. |
22 | | -5. Once submitted, Expensify will connect the feed and notify you when it’s enabled. |
23 | | - |
24 | | -# How to Set Up a Visa Commercial Feed |
25 | | -## Steps to Add a Visa Commercial Feed: |
26 | | -1. Contact your banking relationship manager and request that your VCF (Variant Call Format) feed be sent directly to Expensify. Share this with your bank: "There’s a checkbox in your Visa Subscription Management portal that can be selected to enable the feed, eliminating the need for a test file." |
27 | | -2. Request the feed filename or raw file information, including the Processor ID, Financial Institution (bank) ID, and Company ID. |
28 | | -3. While waiting for your bank, ensure your workspace in Expensify is set up. |
29 | | -4. Submit the required IDs in Expensify by navigating to **Settings > Workspaces > [your workspace] > Company cards > Add cards**, selecting your bank (choose "Other" if not listed), and then selecting **Visa Commercial Cards**. |
30 | | -5. Once submitted, Expensify will connect the feed and notify you when it’s enabled. |
31 | | - |
32 | | -# How to Set Up an American Express Corporate Feed |
33 | | -To begin, fill out Amex's required forms and send them to Amex for processing. Download the forms [here](https://drive.google.com/file/d/1zqDA_MCk06jk_fWjzx2y0r4gOyAMqKJe/view?usp=sharing). |
34 | | - |
35 | | -## Instructions for Filling Out the Amex Forms: |
36 | | -**PAGE 1** |
37 | | -- **Corporation Name:** The legal name of your company on file with American Express |
38 | | -- **Corporation Address:** The legal address of your company |
39 | | -- **Requested Feed Start Date:** The earliest transaction date you want in Expensify (use international date format: DD/MM/YY or spelled out, e.g., January 1, 1900). |
40 | | -- **Requestor Contact:** Name of the person completing the request |
41 | | -- **Email Address:** Email of the person completing the request |
42 | | -- **Control Account Number:** The master or basic control account number for the cards you’d like to add (not a credit card number). Contact Amex if you need assistance identifying the correct number. |
43 | | - |
44 | | -**PAGE 2** |
45 | | -No information required |
46 | | - |
47 | | -**PAGE 3** |
48 | | -- **Client Registered Name:** The legal name of your company on file with American Express |
49 | | -- **Master Control Account or Basic Control Account:** Same as the control account number on page 1 |
50 | | - |
51 | | -**PAGE 4** |
52 | | -- **Country List:** The country where the account originates |
53 | | -- **Client Authorization:** Complete your full name, job title, and date (use international date format i.e., DD/MM/YY). Sign where indicated. |
54 | | - |
55 | | -## Steps to Add an American Express Corporate Feed: |
56 | | -1. Send the completed forms to **electronictransmissionsteam@aexp.com** and request they send your corporate card feed to Expensify. You should receive a confirmation email within a few days. |
57 | | -2. While waiting, ensure your workspace in Expensify is set up. |
58 | | -3. Amex will send a Production Letter with delivery file name information (e.g., `R123456_B123456789_GL1025_001_$DATE$$TIME$_$SEQ$`). |
59 | | -4. Submit the delivery file name in Expensify by navigating to **Settings > Workspaces > [your workspace] > Company cards > Add cards > American Express > American Express Corporate Cards**. |
60 | | -5. Once submitted, Expensify will connect the feed and notify you when it’s enabled. |
61 | | - |
62 | | -# How to Assign Company Cards |
63 | | -Once your feed is connected, you can assign cards to employees. To do this, navigate to **Settings > Workspaces > [your workspace] > Company cards**. |
| 8 | +Commercial feeds are the most reliable way to import company card expenses. These feeds are not affected by login credential changes or banking UI updates, making them ideal for growing teams and finance admins. |
64 | 9 |
|
65 | | -{:width="100%"} |
| 10 | +**Tip:** Contact your bank directly to check if your cards are eligible for a commercial feed. |
| 11 | + |
| 12 | +--- |
| 13 | + |
| 14 | +# Prerequisites |
| 15 | + |
| 16 | +Before setting up a commercial feed: |
| 17 | + |
| 18 | +- Make sure you’ve created a workspace by going to **Workspaces > New Workspace**. |
| 19 | +- On the **Collect plan**, you can add **one commercial or [direct feed](https://help.expensify.com/articles/new-expensify/connect-credit-cards/Direct-feeds)**. |
| 20 | +- On the **Control plan**, you can add an **unlimited number of company cards**. |
| 21 | + |
| 22 | +--- |
| 23 | + |
| 24 | +# Set Up a Mastercard Commercial Feed |
| 25 | + |
| 26 | +To enable a Mastercard feed, your bank must send data from **Mastercard’s SmartData portal** to Expensify. |
| 27 | + |
| 28 | +1. Ask your bank’s relationship manager to send your **CDF (Common Data File)** to **Expensify** via Mastercard’s SmartData portal. |
| 29 | + - File type: **CDF v3 Release 11.01** |
| 30 | + - Specify the earliest transaction date needed. |
| 31 | +2. The bank will initiate delivery and email you a **Distribution ID**. |
| 32 | +3. In Expensify, go to **Workspaces > [Workspace Name] > Company Cards > Add Cards**. |
| 33 | +4. Select your bank or choose **Other**, then select **Mastercard Commercial Cards**. |
| 34 | +5. Submit your **Distribution ID**. |
| 35 | +6. Expensify will activate the feed and notify you when setup is complete. |
| 36 | + |
| 37 | +--- |
| 38 | + |
| 39 | + |
| 40 | +# Set Up a Visa Commercial Feed |
| 41 | + |
| 42 | +Visa commercial feeds are configured through your bank using Visa’s **Subscription Management portal**. |
| 43 | + |
| 44 | +1. Ask your bank’s relationship manager to enable your **VCF (Visa Commercial Format)** feed and send it to **Expensify**. |
| 45 | + - Mention: “You can check a box in Visa’s Subscription Management portal to enable feed delivery—no test file needed.” |
| 46 | +2. Request the feed details: |
| 47 | + - **Processor ID** |
| 48 | + - **Bank (Financial Institution) ID** |
| 49 | + - **Company ID** |
| 50 | +3. In Expensify, go to |
| 51 | + **Settings > Workspaces > [Workspace Name] > Company Cards > Add Cards**. |
| 52 | +4. Select your bank or **Other**, then choose **Visa Commercial Cards**. |
| 53 | +5. Submit the required IDs and wait for confirmation from Expensify. |
66 | 54 |
|
67 | | -If you have multiple feeds, click the feed name at the top left to select the appropriate one. |
| 55 | +--- |
| 56 | + |
| 57 | +# Set Up an American Express Corporate Feed |
| 58 | + |
| 59 | +To set up an Amex Corporate Feed, you’ll need to complete and email their required forms. |
68 | 60 |
|
69 | | -{:width="100%"} |
| 61 | +1. Download the forms: |
| 62 | + [Amex Feed Setup Forms (Google Drive)](https://drive.google.com/file/d/1zqDA_MCk06jk_fWjzx2y0r4gOyAMqKJe/view?usp=sharing) |
| 63 | +2. Complete the form as follows: |
| 64 | + - **Page 1:** Fill in legal company details, requestor name/email, feed start date, and **Control Account Number** (not a credit card number). |
| 65 | + - **Page 2:** Leave blank. |
| 66 | + - **Page 3:** Re-enter client name and Control Account. |
| 67 | + - **Page 4:** Add country, authorization name, title, and signature (DD/MM/YY format). |
70 | 68 |
|
71 | | -Click **Assign card** to select an employee. All workspace members appear in the list. |
| 69 | +3. Email the completed forms to: **electronictransmissionsteam@aexp.com** |
| 70 | +4. Wait for the **Production Letter** containing your feed’s file name. |
| 71 | +5. In Expensify, go to **Workspaces > [Workspace Name] > Company Cards > Add Cards > American Express > American Express Corporate Cards** |
| 72 | +6. Enter your delivery file name to submit. |
| 73 | +7. You’ll be notified once the feed is live. |
| 74 | + |
| 75 | +--- |
72 | 76 |
|
73 | | -{:width="100%"} |
| 77 | +# Assign Company Cards |
74 | 78 |
|
75 | | -Select the card you want to assign. Cards only appear if they have recent transactions. |
| 79 | +Once a commercial feed is connected: |
76 | 80 |
|
77 | | -{:width="100%"} |
| 81 | +1. Go to **Workspaces > [Workspace Name] > Company Cards**. |
| 82 | +2. Click the **feed name** (top-left) to select the correct card feed if multiple are present. |
| 83 | +3. Click **Assign Card** next to the unassigned card. |
| 84 | +4. Select the employee from the list of workspace members. |
| 85 | +5. Choose a **transaction start date**: |
| 86 | + - **From the beginning** (all available transactions) |
| 87 | + - **Custom date** |
| 88 | +6. Click **Assign Card**. |
78 | 89 |
|
79 | | -Choose a start date: |
80 | | -- **From the beginning:** Imports all available transactions (typically 30-90 days). |
81 | | -- **Custom start date:** Allows you to specify a date. |
| 90 | +**Transactions will begin importing immediately.** |
| 91 | + |
| 92 | +{:width="100%"} |
82 | 93 |
|
83 | 94 | {:width="100%"} |
84 | 95 |
|
85 | | -Review the details and click **Assign card**. Transactions will import immediately. |
86 | | - |
87 | 96 | {:width="100%"} |
88 | 97 |
|
89 | | -# Managing Cards |
90 | | -Once a card is assigned, you can manage its settings by navigating to **Settings > Workspaces > [your workspace] > Company cards** and selecting the assigned card. |
| 98 | +--- |
91 | 99 |
|
92 | | -## Available Card Management Actions: |
93 | | -- **Rename the Card**: Change the card name for easier identification. |
94 | | -- **Set a Specific Export Account**: If connected to accounting software like QuickBooks, NetSuite, or Xero, you can assign a unique export account for this card. |
95 | | -- **Update Transactions**: Manually refresh the card feed to pull in the latest transactions. |
96 | | -- **Unassign the Card**: Removing a card unassigns it from the employee and deletes unsubmitted expenses from draft reports in their account. |
| 100 | +# Manage Assigned Cards |
| 101 | + |
| 102 | +You can update individual cards anytime under **Settings > Workspaces > [Workspace Name] > Company Cards**. |
| 103 | + |
| 104 | +**Management Options:** |
| 105 | + |
| 106 | +- **Rename the Card** – Customize for easier identification. |
| 107 | +- **Assign Export Account** – Direct expenses to a specific accounting category (if integrated). |
| 108 | +- **Update Transactions** – Pull the latest data manually. |
| 109 | +- **Unassign the Card** – Removes the card and deletes unsubmitted draft expenses. |
97 | 110 |
|
98 | 111 | {:width="100%"} |
99 | 112 |
|
100 | | -# FAQ |
| 113 | +--- |
| 114 | + |
| 115 | +# FAQ |
| 116 | + |
| 117 | +## My Feed Is Connected. Why Isn’t a Card Showing Up? |
| 118 | + |
| 119 | +Cards only appear if they’re active and have at least one recent transaction. If the card is still missing, contact your account manager or message [concierge@expensify.com](mailto:concierge@expensify.com). |
| 120 | + |
| 121 | +## Is There an Extra Cost for Commercial Feeds? |
101 | 122 |
|
102 | | -## My commercial feed is connected. Why is a specific card not appearing for assignment? |
103 | | -Cards appear for assignment if they’re active and have at least one recent transaction. If a card meeting these criteria doesn’t appear, contact your account manager or message concierge@expensify.com. |
| 123 | +No. The **Collect plan** includes one commercial feed. To get multiple feeds, upgrade to the **Control plan**. |
104 | 124 |
|
105 | | -## Is there an extra fee for using commercial feeds? |
106 | | -No, the Collect plan includes one commercial feed. You can add additional commercial feeds by upgrading to the Control plan. |
| 125 | +## What’s the Difference Between a Commercial Feed and a Direct Feed? |
107 | 126 |
|
108 | | -## What’s the difference between a direct feed and commercial feed? |
109 | | -Direct feeds use login credentials for quick setup, but can require re-authenticating from time to time. Commercial feeds require bank involvement for setup but offer the most reliable connection. |
| 127 | +- **Direct Feed**: Quick setup using login credentials, but may require re-authentication. |
| 128 | +- **Commercial Feed**: Set up with bank involvement but offers a **stable, uninterrupted** connection. |
110 | 129 |
|
| 130 | +</div> |
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