We need somebody who knows how to manage challenging times safely . In more than 170 years of company history , there is a lot of reinvention : from a forwarding company with a stagecoach to a global company , American Express has always demonstrated “ financial resilience ”. Today , we ensure companies ’ liquidity and flexibility with supply chain finance , virtual payments , corporate credit cards and travel agent accounts in over 140 countries — from business travelers through procurement to the finance department

Constant change

Lately , we have all experienced accelerated digitisation and thereby new demands on expense management . Managing corporate expenditures digitally , leanly and cost-consciously matters now more than ever . No matter whether it is about business travel expenses or other corporate costs . Virtual payment solutions , like American Express vPayment , help simplifying complex cash flows and optimising payment flows — while improving the control of expenditures .

Targeted cash flow management

Liquidity means freedom . Companies benefit from an extended payment term of 28 days after invoicing . Depending on the transaction timing , the actual liquidity advantage is even greater — up to 58 days . There is no obligation to tender the bank-independent payment solution for the optimisation of working capital . Using a silent procedure , no involvement of the creditors is necessary while cash discounts can be fully utilised .

Flexibility in liability and billing

With the American Express corporate card programme , billing methods are flexible : regardless of whether the expenses of travelling employees should be paid via private accounts or debited to the company account . The liability options can be selected flexibly .

Simple cross-border payments

The high export share of European companies and the handling of international payments became crucial . Particularly important are simplicity in processing and hedging against exposure to currency risks . We offer a web-based payment solution for international transactions : for more than 80 currencies in more than 100 countries .

“ Our customers experience how we respond to their requirements , develop innovative solutions and lead the way in the financial industry ’ s transformation . We aim to create concrete value for our customers — and for their customers and suppliers . Long-term reliability and experience of a global company rooted in Europe , combined with genuine innovative strength and openness ,” explains Sonja Scott , Country Manager American Express Germany and Head of Global Commercial Services Germany , Austria , Netherlands and Nordics .