Extend, a leading provider of virtual card and spend management solutions, is widening its reach. The company announced that its platform now supports “virtually any” bank-issued business credit card from the three major card networks — Visa, Mastercard, and American Express.
The update allows small and medium-sized businesses (SMBs) to connect all their company cards within Extend’s centralized expense management app, offering a unified view of spending across teams and accounts. The platform enables automated expense categorization, real-time tracking, and streamlined reporting — all without requiring a switch in banks or card providers.
“Our mission has always been to make smarter spend management accessible to every business — no matter who they bank with,” said Andrew Jamison, Extend CEO and Co-founder. “By enabling nearly any bank credit card to connect with Extend, we’re eliminating the barriers that keep companies tied to manual, outdated processes.”
How Extend’s Platform Works?
Extend provides a digital expense management ecosystem designed for companies that rely on multiple cards and accounts. By integrating with most major bank credit cards, the platform gives finance teams a single dashboard to manage transactions, issue virtual cards, and reconcile expenses.
Key Features of Extend’s Unified Platform:
| Feature | Description | Benefit |
|---|---|---|
| Universal Card Connectivity | Connects nearly any business credit card from Visa, Mastercard, or Amex | Eliminates the need for new accounts or bank migration |
| Automated Expense Tracking | Matches receipts to transactions in real time | Reduces manual data entry and reconciliation time |
| Virtual Card Management | Create, send, and manage virtual cards instantly | Enhances security and spending control |
| Bill Pay Integration | Pay invoices directly with virtual cards | Simplifies vendor payments and boosts efficiency |
With this new capability, SMBs can unify expense tracking across departments while maintaining the flexibility of existing banking relationships and loyalty programs.
Empowering SMB Finance Teams
For many small and mid-sized companies, managing multiple cards across banks has long been a challenge. Finance departments often face fragmented reporting and time-consuming manual reconciliation. Extend’s new universal card support aims to eliminate these frictions by providing a single source of truth for company spending.
The platform’s automation tools allow teams to:
- Consolidate all card data into one platform.
- Automatically categorize transactions using preset rules.
- Match receipts to transactions via app-based scanning.
- Generate real-time reports for faster month-end closings.
This approach not only improves efficiency but also supports compliance by maintaining a verifiable digital trail of every transaction.
Building on Recent Partnerships and Features
Extend’s expansion builds on a series of strategic collaborations and product enhancements rolled out over the past year:
- November 2025 — PNC Bank Partnership: Extend teamed up with PNC Bank to bring new payment tools to commercial cardholders. PNC business clients can now access Extend’s mobile and web platforms for spend management and controls.
- March 2025 — Visa Referral Agreement: Under a referral partnership with Visa, Extend offers virtual card capabilities to emerging middle-market firms, helping them manage spending, fight fraud, and close books more efficiently. Jamison described this collaboration as “a key pillar” in delivering advanced payment tech without forcing customers to abandon their preferred cards.
- April 2024 — Bill Pay Launch: Extend introduced its Bill Pay feature, enabling businesses to issue virtual cards for invoice payments and handle multiple vendor payments in one workflow. This addition streamlined supplier payments while strengthening security and tracking.
Each of these milestones reinforces Extend’s strategy of embedding flexible financial technology within the tools and institutions businesses already use.
Why Universal Card Support Matters?
By supporting virtually all major credit cards, Extend removes one of the biggest barriers to adoption for SMBs: the need to change banks or card programs. This universal compatibility means that businesses can modernize their expense management process without disrupting long-standing relationships with financial institutions.
Key Benefits for Businesses:
| Benefit | Description |
|---|---|
| Continuity | Keep existing cards, rewards, and bank integrations |
| Visibility | Unified view of all spending activity in one dashboard |
| Control | Virtual cards and smart rules reduce overspending and fraud |
| Speed | Automation reduces manual reconciliation and approval cycles |
For financial institutions, the integration offers a win-win: banks retain their commercial card customers while giving them access to advanced digital capabilities via Extend’s platform.
Industry Perspective: A Broader Trend in Embedded Finance
Extend’s latest upgrade reflects a larger industry movement toward embedded finance — the integration of financial tools directly into operational software ecosystems. As SMBs seek flexibility and automation, solutions like Extend bridge the gap between traditional banking and digital-first expense management.
“Small and mid-size businesses want simplicity,” said a senior fintech analyst at Finovate Research. “Platforms that let them use existing cards and banks while gaining automation are going to see massive adoption.”
Extend’s universal card compatibility aligns with that demand, enabling even smaller organizations to adopt enterprise-level spend management capabilities without the friction of switching financial providers.
Conclusion: Modern Spend Management Without Compromise
Extend’s new universal card connectivity marks a major step toward democratizing advanced spend management. By allowing SMBs to connect virtually any business card, Extend bridges traditional banking relationships with next-generation financial technology.
As businesses continue to prioritize automation and control, Extend’s approach — keeping existing cards and banks while layering in smarter technology — positions it as a leader in accessible, flexible expense management for the modern enterprise.
FAQs
What does Extend’s new feature enable?
Businesses can now connect virtually any credit card—across Visa, Mastercard, and American Express—to Extend’s expense management platform.
Does this require switching banks or cards?
No. Users can keep their current bank relationships, cards, and rewards programs.
How does Extend help with expense tracking?
It automates expense categorization, receipt matching, and reconciliation across all connected cards.
What recent partnerships has Extend announced?
Recent partnerships include collaborations with PNC Bank and Visa, expanding Extend’s payment capabilities and reach.
Who benefits most from this update?
Small and medium-sized businesses seeking centralized, automated, and flexible spend management solutions.