Adding an External Card

Topkey lets you connect cards from your existing corporate card programs — such as American Express, Chase, Capital One, Brex, and others — so their transactions appear alongside your Topkey activity for coding, receipt collection, memos, and owner statements. You do not need to switch card issuers to take advantage of Topkey's reconciliation workflow.

When to Add an External Card

Add an external card when:

• You already have a corporate card program you want to keep and do not want to change issuers
• You want those card transactions to appear inside Topkey for GL coding, receipt uploads, memos, and owner statement generation
• You want to issue and manage virtual cards from an existing AMEX or Ramp account directly within Topkey

Supported External Card Connections

Topkey supports two external card integration paths:

• External cards — Visa and Mastercard cards from most major US issuers, connected through Topkey's bank-level integration
• American Express — a certified direct integration that pulls daily transactions, card details, and credit account balances from your AMEX account
• Ramp — a direct integration that lets you issue and manage virtual Ramp cards from within Topkey

Connecting External Visa and Mastercard Cards

Topkey can plug into your existing Visa or Mastercard card program through a bank-level connection, so transactions from those cards flow directly into Topkey.

1. Go to Cards → External.
2. Select Connect a card.
3. Select your card issuer, authenticate with your bank credentials, and choose which cards to sync.
4. Once connected, each card appears on the external cards list showing the last four digits, network (Visa or Mastercard), status, and connection health.

Bulk Enrollment

If you have multiple cards under a single connection, you can enable bulk enrollment to import all eligible cards at once rather than adding them one at a time. Look for the bulk enrollment option during the connection setup and enable it to bring in all cards under that connection automatically.

Connecting American Express

The American Express integration is a certified direct connection that pulls your card list, daily transactions, and credit account balances into Topkey. This is a one-time setup per AMEX account.

1. Go to Settings → Integrations → American Express.
2. Select Connect.
3. Provide your business details as prompted — including your company name, tax ID, business address, phone number, and email — to authorize Topkey's access to your AMEX account.
4. Choose which AMEX credit accounts (basic accounts) to sync with Topkey.

After the connection is established:

• Each connected AMEX credit account appears in Topkey as an AMEX Credit account
• Every card associated with that account — including physical, virtual, and supplementary cards — rolls up to its parent credit account
• Supplementary cards (issued on the primary cardholder's account) are imported automatically and linked to their parent account

Setting a Transaction Sync Start Date

For each connected AMEX credit account, you can control how far back Topkey pulls historical transactions by setting a transaction sync start date.

1. Open the AMEX credit account you want to configure.
2. Locate the Transaction Sync Start Date setting.
3. Enter the date from which you want transactions to sync and save.

Disconnecting an Individual AMEX Credit Account

You can disconnect a single AMEX credit account from Topkey without removing the entire American Express integration.

1. Go to Settings → Integrations → American Express.
2. Select the credit account you want to disconnect.
3. Choose Disconnect for that account.

Viewing Your AMEX Cards

Once your AMEX integration is active, you can view all connected cards by going to Cards → American Express. The list shows:

• Cardholder name
• Card type (physical, virtual, or supplementary)
• Last four digits
• Status
• Spending controls

You can filter the list by status or cardholder to find a specific card quickly.

Adding a Virtual AMEX Card

Once the AMEX integration is connected and you have at least one active AMEX credit account, you can request new virtual AMEX cards directly from Topkey. Topkey submits the request to American Express, which issues the card and returns it pre-activated.

1. Go to Cards → American Express.
2. Select New Card or the option to create a virtual card.
3. Fill in the card details:
   • Cardholder — select the person who will use the card
   • Spending limit — the maximum amount authorized for this card
   • Valid date range — the start and end dates during which the card can be used
   • Single-use or multi-use — choose whether the card can be charged once or repeatedly
   • Memo (optional) — add a note to identify the card's purpose
4. Submit the form. The card is issued by American Express and appears on the AMEX Cards page.

To view the full card number, open the card's detail page and use the secure details modal to reveal the PAN.

Connecting Ramp

The Ramp integration lets you issue and manage virtual Ramp cards for your cardholders directly from Topkey.

1. Go to Settings → Integrations and connect your Ramp account.
2. Once connected, you can create virtual Ramp cards for Ramp-enabled cardholders.
3. When creating a card, provide:
   • Display name — a descriptive label for the card
   • Spending limit — the authorized spend amount
   • Billing interval — how often the spending limit resets (for example, monthly)

Managing Ramp Cards

From a Ramp card's detail page in Topkey, you can:

• Suspend the card to temporarily prevent new charges
• Unlock a suspended card to restore it
• Terminate the card permanently to close it

Managing External Cards

Editing a Card

Open any external card to:

• Edit the card's name
• Assign it to a cardholder
• Attach it to a property or property group

Reconnecting a Card

If your authentication lapses or the connection to an external card becomes unhealthy, a Reconnect prompt appears on the card. Select Reconnect and follow the steps to re-authenticate and restore the connection.

Archiving a Card

Archiving removes a card from Topkey without disconnecting the underlying integration.

1. Open the card you want to remove.
2. Select the three dots in the top right hand corner.
3. Select Archive.

Transactions from External Cards

Transactions from all external cards — whether Visa, Mastercard, AMEX, or Ramp — pass through the same workflow as transactions from Topkey-issued cards:

• GL coding and account routing
• Receipt uploads and memo fields
• Submission rules and approval workflows
• Card-group rules and property assignments
• Owner statement inclusion

There is no separate workflow for external card transactions.

Frequently Asked Questions

Do I need to stop using my existing card program to connect it to Topkey? No. External card connections are non-disruptive. Your existing card program continues to work exactly as it does today. Topkey simply pulls your transaction data into the reconciliation workflow so you can code, attach receipts, and include spending in owner statements.

How do I view the full card number for a virtual AMEX card? Open the card on the AMEX Cards page and use the secure details modal to reveal the full card number. This view is secured and the number is not displayed in plain text elsewhere in Topkey.

What happens to historical transactions when I first connect an AMEX credit account? Topkey will pull transactions going back to the transaction sync start date you set for that account. If you do not set a start date, Topkey uses a default lookback period. You can update the sync start date at any time from the AMEX credit account settings to control which historical transactions are imported.

Questions about connecting your card program? Contact Support.