Sage Embedded Expense Management is a headless, modular API suite that enables banks, fintechs, and SaaS platforms to embed receipt capture, credit card reconciliation, transaction auto-categorisation, and expense reporting directly into their own products — under their own brand, without building expense infrastructure from scratch.

Small businesses have two options. They can use cards issued by a payment or expense management provider, which often include built-in transaction tracking but may carry additional fees. Alternatively, Sage Embedded Expense Management uses APIs and partnerships with leading card providers (VISA, Mastercard) to deliver near-real-time transaction data while using their existing cards.

Expense management software can improve customer retention by making a frequent, time-consuming task easier. It helps businesses capture tax-deductible expenses, keep records accurate and stay ready for HMRC reporting. By reducing manual work, errors and app switching, your platform becomes more useful in customers’ day-to-day financial workflows.

Any business that reimburses employee expenses or needs to record tax-deductible costs can benefit from expense management software—from sole traders and small businesses to larger employers. The right service keeps expense records accurate, current and ready for HMRC reporting, while reducing manual work, errors and the risk of overspending.

Once embedded in your platform, customers access a dedicated expense management area. Administrators can view and track expense reports, manage policies and oversee approvals. Employees can submit receipts by mobile app, email or text. The software extracts and categorises the details, checks expenses against company policies and, once approved, sends the data to the general ledger or payroll.

Employees can capture receipts at the point of purchase using your mobile app, or if set up, submit them by email or text. Optical character recognition (OCR) extracts key details such as the merchant, date and amount. AI then categorises the expense and can match it to the relevant card transaction, reducing manual entry and helping keep records accurate.