> For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://developer.americanexpress.ferndocs.com/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://developer.americanexpress.ferndocs.com/_mcp/server. # Card on-demand Create on-demand virtual Cards for business payments, designed with greater flexibility, enhanced controls, and stronger security. Last Updated: June 17, 2024 Card on-demand APIs are designed for FinTechs and business software providers, just like you, who want to partner1 with American Express to provide accounts payable, expense management, and bill payment solutions for American Express Customers. Card on-demand APIs enable end-users, who are American Express Customers, to enroll their eligible American Express Card account2 in your software, to generate and fund on-demand virtual Cards for business payments. **Intended for:** Partners ## Highlights #### Establish spending controls for business payments On-demand virtual Cards enable Customers to establish specific controls on how the Cards may be used, including determining single- or multi-use, spend limits, expiration dates, allowed merchant categories, and more! #### Improve transaction visibility and payment reconciliation Customers may create multiple on-demand virtual Cards, each with a unique 15-digit number that is different from the underlying American Express Card funding account number. This facilitates more efficient reconciliation by providing granular visibility into transactions by Card. #### Enhance payment security with virtual Cards on-demand Customers enjoy enhanced payment security with on-demand virtual Cards by removing the need for merchants to see or store their underlying American Express Card account number. ## Use cases By integrating your software with American Express Card on-demand APIs, you can enable your Customers to use American Express on-demand virtual Cards for a range of business payments use cases. #### Use Case 1 ![](/_fern-files/americanexpress.docs.buildwithfern.com/4671d2e58dc455c3b055f9066490a65d62f21c55aede84e8fea3a44fc973dd59/assets/images/products/nextgen-card-on-demand/meal_icon.svg) Help automate reimbursement filing for employees by giving them on-demand virtual Cards for one-time or recurring expenses such as meals, business travel, or office supplies. #### Use Case 2 ![](/_fern-files/americanexpress.docs.buildwithfern.com/f570f24f618324f08a272fe25306e5318d725fb8c2d28119c5485df97cf90481/assets/images/products/nextgen-card-on-demand/budget_icon.svg) Help create budgets specific to projects and maintain visibility and control over spending with spend limits, expiration dates, and deactivating on-demand virtual Cards at any time. #### Use Case 3 ![](/_fern-files/americanexpress.docs.buildwithfern.com/9a675d4f773f61b4be5f63554bb22754fc8e535ec4d837f30e2cef8347621472/assets/images/products/nextgen-card-on-demand/subscription_icon.svg) Create project-specific on-demand virtual Cards to manage marketing, technology, advertising, or social media subscriptions. #### Use Case 4 ![](/_fern-files/americanexpress.docs.buildwithfern.com/f7a3bd8833c25ce366658ae18c505297ca361b6458ee14d822290497b4b65891/assets/images/products/nextgen-card-on-demand/cards_employees_icon.svg) Distribute on-demand virtual Cards to employees, freelancers, candidates, or other authorized users for business payments and expenses without sharing the underlying funding account details. (Coming Soon) ## Benefits #### For your company **Grow your revenue** Approved Card on-demand Partners1 can receive a revenue share on the charge volume4 of on-demand virtual Card transactions generated within their software. **Expand your target user base** Attract American Express Customers to your software by enabling enrollment of their eligible American Express Card account2. **Enhance the customer experience** Give your customers the option to enroll their eligible American Express Card account2 in your software, providing them with a wider range of payment methods and a consolidated view of their accounts in your app. #### For your customers **Manage cash flow** American Express Customers can pay suppliers using on-demand virtual Cards and take advantage of the American Express billing cycle to utilize cash on hand for their business until their Card payment is due. **Earn rewards** American Express Customers can earn the rewards3 of their eligible American Express Card account2 when they use it for funding on-demand virtual Cards for their business payments. **Improve reconciliation** Customers can have greater visibility on the billing statement for their eligible American Express accounts enrolled in your software, by seeing on-demand virtual Card transactions, helping to make reconciliation more efficient. **Set controls for business spend** Customers may establish specific controls for each on-demand virtual Card payment, including setting spending limits or expiration dates, and changing controls or deactivating on-demand virtual Cards at any time. **Enhance payment security** Each recipient of an on-demand virtual Card receives a unique 15-digit number, different from the underlying American Express Card funding account number. ## Have any questions? **Partner** Become an official American Express Partner1 to receive production access for your Card on-demand integration. To learn more about how to become a Partner, contact a member of our Partnerships Team. **Integrate** For more information on integrating with Card on-demand APIs, please visit our [API References](https://developer.americanexpress.com/products/nextgen-card-on-demand/resources) page or contact our Integration Team. #### Terms and conditions 1. To be eligible for American Express® Card on-demand, Partners must apply, be approved and execute a Partnership Agreement with American Express. 2. To use on-demand virtual Cards, the American Express Customer must have an American Express Small Business Card or American Express Corporate Card. American Express Small Business Employee Cards are not eligible to be enrolled in Card on-demand. Eligible American Express Cards are subject to change. 3. Not all Cards are eligible to earn rewards. Terms and limitations vary by Card type. 4. The revenue share earned by the Partner will be determined by the executed Partnership Agreement between Card on-demand Partners and American Express. > **Note** > > Please contact us with any questions. [Contact support](https://developer.americanexpress.com/support)