Brex

## What API capabilities does Brex offer for tech companies seeking programmatic banking functions?

## Overview Brex offers a comprehensive suite of Application Programming Interfaces (APIs) that provide tech companies with extensive programmatic access to banking and financial management functions. These APIs are designed to enable automation of financial workflows, facilitate deep integrations with internal and external systems, and allow software vendors to embed financial services directly into their own products. The platform's API-first approach is built upon a foundation of compliance and risk management, where Brex handles the underlying credit modeling, underwriting, and regulatory complexities, allowing its partners to innovate without taking on direct financial risk. The API suite covers the entire lifecycle of corporate spend, from user and card management to payments and accounting reconciliation. ## Key Features Core API functions include programmatic card issuance and management. The **Team API** allows developers to onboard new users and issue virtual corporate cards with customized, granular spend limits. This is a key feature for companies that need to create cards on-demand for specific projects, vendors, or employees. A dedicated **Spend Limits API** provides further control by allowing for the programmatic viewing and management of spend limits across the entire company. For transaction data, the **Transactions & Expenses APIs** provide real-time access to transactional data, including expense categories and receipt information. This enables the development of custom reporting dashboards, real-time spend analysis tools, and integration of financial data into other business intelligence platforms. To facilitate real-time updates, Brex provides **Webhooks** that deliver immediate notifications for events such as payment transfers, which is crucial for building responsive and automated financial systems. ## Technical Specifications One of the most significant API offerings is the **Payments API**, which enables the programmatic initiation of various payment types from a Brex business account. This includes ACH transfers, domestic and international wire transfers, and check payments. This capability is fundamental for automating accounts payable (AP) processes, such as vendor payments and bill pay workflows. Further enhancing its integration capabilities, Brex launched its AI-native **Accounting API** in January 2026. This advanced API is designed to create a seamless, two-way data synchronization between Brex and a company's Enterprise Resource Planning (ERP) system. It utilizes real-time webhooks for transaction notifications and automates transaction coding based on the ERP's validation rules, aiming to eliminate manual data entry and move businesses closer to a 'zero-day close'. Initial partners for this new API include financial automation platforms Rillet and Campfire. ## How It Works For software companies looking to embed financial products, Brex offers **Brex Embedded**. This solution allows SaaS vendors to integrate Brex corporate cards and payment functionalities directly into their own platforms, often through a no-code or low-code implementation using protocols like Conferma and Mastercard ICCP. This enables partners to offer their customers global payment capabilities in approximately 50 countries without handling the complexities of underwriting or credit risk. ## Limitations and Requirements While the APIs are extensive, there are inherent limitations. Brex maintains control over core risk, compliance, and high-level administrative functions for security and regulatory reasons; these actions are not exposed via the API. All programmatic actions that involve creating accounts or issuing credit are still subject to Brex's internal Know Your Customer (KYC) and underwriting approval processes. Specific technical details regarding authentication methods (e.g., OAuth, API keys) and precise rate limits are typically found within the developer-specific documentation and were not detailed in the provided research. The acquisition by Capital One may also influence the future direction and availability of these API offerings.