This article describes how customers can integrate their corporate cards with Fyle so that spends on the corporate card can be imported into Fyle.

1. Types of Corporate Credit Card Integration

Fyle supports the following modes through which customers can integrate their corporate card spend with Fyle.

a. Direct Data Feed

In Direct Data feed, the customer’s bank / Visa / MasterCard / Amex will directly push transaction data to a designated endpoint specified by Fyle. 

This functionality is available only for specific card programs as confirmed by the customer’s bank. If customers have a small business account, they may not be able to get a direct data feed setup.

b. Generic Statement Parser (GSP)

GSP is a built-in Fyle feature that is available to all customers for whom a direct data feed is not possible.

GSP requires the customer to download a consolidated statement of transactions in a CSV format for a given period from their bank / service provider and upload the statement to Fyle. 

The minimum information required in the statement is Card Account # (minimum last 4 digits), Transaction date, Amount & Merchant. The customer also needs to specify the debit convention in the statement (+ve if debits are recorded as positive, -ve otherwise).

While uploading the statement, the customer will need to map the headers in the statement with in-built Fyle fields and this configuration can be saved in the system for future uploads.

Once the customer successfully uploads the statement, related transactions will be pulled into Fyle and kept ready to be matched with related expenses.

2. Process to enable Credit Card Transaction Feed

The process to enable credit card transaction feed is as shown in the image below. Typically, the process takes around 2-4 weeks after confirmation from the b / Provider that data feed is supported for the customer’s card program. For cases where data feed is not supported, GSP is the alternative option

Flow of configuring CCC

3. Enabling Direct Data Feed

The following corporate card programs typically support Direct Data Feed.

a. American Express

The process to set up American Express Corporate Card Data Feed (GL-1025) is:

  • The American Express data feed file format is called GL-1025

  • You would need to reach out to your American Express point of account / relationship manager to check if data feed is available for the card program and to request your Amex data to be transferred to Fyle

  • If data feed support is available, American Express account / relationship manager will request you to contact the Card Implementation / Transmissions team (Contact: 1-800-337-7283, mail:electronictransmissionsteam@aexp.com)

  • The Card Implementation / Transmissions team will provide you with a Global Data Transfer Form (GDTF) and an Implementation Form

  • You will need to send the GDTF and Implementation form to Fyle. In the GDTF, Fyle will be mentioned as the nominated consolidator for the data feed. On the Implementation form, the technical details will be shared by Fyle

  • Once the GDTF and Implementation form are completed, the customer needs to mail them to the Card Implementation / Transmissions team on the email ID given above. Mark a copy of the email to Fyle in while sending these forms

  • Once the forms are received, American Express then designates a project implementation specialist who will directly contact Fyle and work with Fyle to validate the details and setup the data feed

  • The Card Implementation / Transmissions team sends across a test file with required file naming convention, file format, frequency, and encryption

  • If test file is confirmed to be in order, the data feed is set live by American Express based on start date that you specify

  • TIMELINE: Entire process to activate the data feed could take 2-4 weeks after confirmation on data feed availability by the American Express account / relationship manager

b. Visa

The process to set up Visa Corporate Card Data Feed (.VCF) is:

  • The Visa data feed format is called .VCF

  • You would need to reach out to your bank account / relationship manager to check if data feed is available for the card program so the card data feed can be shared with Fyle

  • If data feed support is available, you can request for a ‘Outbound Delivery Request Form’ from their Bank

  • This form contains fields that you need to fill in, along with technical details that Fyle needs to fill in

  • Once this has been completed, you would need to send this back to the Bank. Mark a copy of the email to Fyle in while sending these forms

  • Once the forms are received, the Bank will then work with Fyle to confirm details and initiate the data feed

  • The Bank will initiate the data feed and send across a test file with required file naming convention, file format, frequency, and encryption

  • If test file is confirmed to be in order, the data feed is set live by the Bank based on start date that you specify

  • TIMELINE: Entire process to activate the data feed could take 2-4 weeks after confirmation on data feed availability by the Bank account / relationship manager

c. MasterCard

The process to set up MasterCard Corporate Card Data Feed (.CDF) is:

  • The MasterCard data feed format is called .CDF

  • You would need to reach out to your bank account / relationship manager to check if data feed is available for the card program so the card data feed can be shared with Fyle

  • If data feed support is available, you can request for a ‘Smart Data - Endpoint Delivery’ Form from the bank. This form contains fields that you need to fill in, along with technical details that Fyle needs to fill in

  • Once this has been completed, you would need to send this back to the Bank. Mark a copy of the email to Fyle in while sending these forms

  • Once the forms are received, the Bank will then work with Fyle to confirm details and initiate the data feed

  • The Bank will initiate the data feed and send across a test file with required file naming convention, file format, frequency, and encryption

  • If test file is confirmed to be in order, the data feed is set live by the bank based on start date that you specify

  • TIMELINE: Entire process to activate the data feed could take 2-4 weeks after confirmation on data feed availability by the bank account / relationship manager

d. Other Card Programs

In addition to the above, there could be other card providers (e.g. Diners) who might be able to provide a corporate card data feed. In such a scenario:

  • You would need to reach out to your bank / card provider in order to confirm if a data card feed is available. 

  • Once availability of the data feed is confirmed, you can request for any forms that need to be completed in order to activate the data feed

  • Fyle will work with the card provider to fill out any required forms and to sort out technical details required to initiate the data card feed. 

  • TIMELINE: Timeline to activate the data feed will depend entirely on the process followed by the bank / card provider.

4. Enabling Generic Statement Parser

Generic Statement Parser (GSP) functionality can be utilised by customers who are on card programs where data feed is not supported. Following are some scenarios where GSP can be used:

a. Cards from Chase, Bank of America, Capital One

You might not be able to request for data feed for multiple card programs from the above banks. If you are on one of these programs and your bank has confirmed that your program is not eligible for data feed support, GSP is recommended in this scenario

b. Commercial / Business / Small Business Programs

Most banks do not support a data feed for customers on the above card programs. If you are on one of these programs and your bank has confirmed that your program is not eligible for data feed support, GSP works perfectly to bridge the gap

c. Bank does not support a data feed

d. Bank does not respond to your request

In both the above scenarios, GSP is the only option available to integrate card transactions.

Did this answer your question?