> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://developer.americanexpress.ferndocs.com/payment-services/v2/at-work-apis/overview/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://developer.americanexpress.ferndocs.com/_mcp/server.

# @ Work APIs

> **Note**
>
> American Express publishes an overview for this product but no API
> specification, so there is no endpoint reference to show.

The @ Work B2B APIs provide a suite of REST APIs that enables system-to-system communication between a corporate Client's Enterprise Resource Platform (ERP) and American Express to automate common American Express @ Work functions. The communication between these systems, automates the changes made in the Client's ERP, which triggers changes to the American Express Commercial Card program.
The @ Work B2B APIs improve efficiency and security through automation, delivering increased program control, faster response time, and cost savings to a Client's corporate Card program. Today, the available @ Work B2B APIs enable Clients to execute Cancellation requests as well as Apply for Card requests through their in-house ERP Systems.
Apply for Card API is available in the following countries:
The United States, Mexico, The United Kingdom, International Euro Card Countries, India, Australia, Japan and Singapore.
Cancel Card API is available in more than 22 countries. A list of all countries can be found in the Guide tab.

## Why it's great

#### Controls

Improves governance through the automation of applications, cancellations, and secure transactions.

#### Efficiency

Eliminates the application process and shortens the cycle time for processing.

#### Security

Maintains accuracy and synchronisation for Card Member information and status.

#### Cost Effectiveness

Reduces the Client resources required to manage commercial Card programs.

## How it works

#### Client Onboarding

Client Onboarding
Onboard and adopt corporate products that support the automation of HR-related transactions.

![](/_fern-img/da0dc210f32c2e29c9b1c276973950487a345b9e76a52222648777b9b9135d16.webp)

#### Product Functionality

Product Functionality
Once the REST API is consumed, the Client can automate their HR-related transactions.

![](/_fern-img/aa968e0e44caff50b27d708d0a7f306ad741088242c4153da35eb1f874cb9017.webp)

#### Monitor Transactions

Monitor Transactions
The Client monitors transaction status using the American Express @ Work B2B APIs.

![](/_fern-img/1cb6a71df3f1318dbdf4fb797c5aac0ca930210a052cc42ce3cdac0e12e887eb.webp)

## API Summary

* The following APIs are available today as part of @ Work B2B APIs:
* Apply for Card API Initiate Card applications for corporate Cards.Plus: Corporate Purchasing Card (CPC) and Corporate Meeting Card (CMC) now available in Australia and India, with more countries coming soon!
* Cancel Card APIInitiate Card cancellations for corporate Cards, Corporate Purchasing Cards, and Corporate Meeting Cards (CMC).

## Integration Flow

* Flexible implementations allow for rapid Onboarding and adoption of programmatic management of corporate Card products.
* The API traffic is secured using 2-way TLS 1.2 and the data access is protected by a JSON Web Token(JWT).
* The Client is provided with a Client ID and Secret Key once they have completed registration and have been given access to API Developers Portal.

## Sample Apply For Card Flow

* The Client sets up a trigger to initiate a Apply for Card request from their ERP, populating all the required fields.
* The Client's ERP sends the request to the @ Work B2B Apply for Card API endpoint.
* The @ Work B2B Apply for Card API initiates a Card Application workflow assigned to the Client’s predetermined Basic Control Account (BCA) per their Company program hierarchy.
* The Card Application workflow delivers two (2) emails to the Employee to open and complete their pre-filled application including uploading any necessary ID documents, respective to the country and Card type as associated to the BCA.
* The @ Work B2B Apply for Card API provides a confirmation response to the Client ERP that the Card application has been submitted.

## Sample Cancel Card Flow

* The Client sets up a trigger to initiate a Cancel Card request from their ERP, populating all the required request fields.
* The Client's ERP sends the request to the @ Work B2B Cancel Card API endpoint.
* The @ Work B2B Cancel Card API executes the cancellation request in the American Express system of record. Card cancellations will take effect immediately.
* The @ Work B2B Cancel Card API provides a confirmation response to the Client's ERP that the Card has been cancelled.

## What You Need To Go Live

* Review your use cases with American Express.
* Demonstrate a PCI-compliant environment.

> An overview of how @ Work APIs enable system-to-system communication between a Client’s Enterprise Resource Platform and American Express, using a suite of APIs, to fully automate common American Express @ Work functions.