What Emburse Captio does

Emburse Captio is a Spanish-headquartered B2B SaaS provider of corporate travel and expense (T&E) management software, operating as a product line within Emburse, Inc. The company, founded in 2012 and headquartered in L'hospitalet De Llobregat, Spain, sells a cloud-based expense management platform centered on mobile receipt capture, automated policy enforcement, corporate card reconciliation, per diem calculation, and GPS-based mileage tracking. Its core technology stack combines computer-vision-based receipt scanning, OCR-based field extraction, and a policy-compliance engine with 18+ configurable alert types. The product is distinguished by official homologation as certified software by the Spanish Tax Agency (Agencia Tributaria Española) under the SII (Suministro Inmediato de Información) regime, providing legally valid digital expense documentation for Spanish public and regulated entities.

The platform has evolved into a modular suite, with the core Captio product augmented by Emburse Assurance (AI compliance), Emburse Cards (virtual/physical corporate card issuance with European regulatory compliance), Travel Audit, AP Automation, and a cross-product Emburse AI layer. Emburse Captio serves mid-market and enterprise customers across verticalized segments including Construction, Public Administration, Professional Services, Education, Healthcare, and Legal. Pre-built integrations span enterprise software (IBM, Salesforce, Sage) and banking (BBVA for card issuance and transaction feeds; Google Maps for mileage). The GTM motion is enterprise field sales targeting Spanish-speaking markets, with quote-based subscription pricing, an inside-sales motion for mid-market, and a regional partner network.

Revenue mechanics are based on annual subscription contracts with implementation and integration services revenue implied for enterprise deployments. Named logos include BBVA, IBM, Sage, and Salesforce. The company employs 101-250 people and operates primarily in Spain with reach into broader Spanish-speaking markets. Pricing is not publicly disclosed; customers must request a demo or quote. The business exhibits characteristics of a verticalized, regulation-anchored regional SaaS leader rather than a horizontal T&E platform competing on global breadth.

Name

Emburse Captio

Legal name

Emburse, Inc.

Website

https://captio.net

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

101–250 employees

Short description

Emburse Captio provides Spanish-regulated cloud software for corporate travel, expense reporting, corporate cards, supplier invoices, and spend analytics, serving mid-market and enterprise customers across Construction, Public Administration, Professional Services, Education, Healthcare, and Legal verticals in Spain and Spanish-speaking markets.

Ownership category

akta.pro rank

Product category

Travel and Expense Management Software

NAICS

Software Publishers (513210)

SIC

Services-Prepackaged Software (7372), Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

Expense, Invoice Capture & Spend Management (T&E Integration) (THALAGAG)

akta.pro secondary industries

Travel Policy, Approval & Compliance Software (THAKANAC), Mid/Back-Office Automation for TMCs (PNR, QC, Accounting) (THAKANAK)

Keywords

• Expense management software
• Travel expense automation
• Corporate card management
• Receipt scanning software
• Spend analytics platform

Headquarters

HQ city

L'hospitalet De Llobregat

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Software Subscription (SaaS): Annual or multi-year subscription model for access to the Captio expense management platform including mobile app, web dashboard, and core features.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Emburse Captio is a cloud-based travel and expense management software platform that automates expense reporting, enforces company spending policies, and provides spend analytics. The platform combines AI-powered mobile receipt capture, approval workflows, corporate card reconciliation, mileage tracking, and per diem calculations, with native SII (Spanish tax authority) compliance for organizations operating in Spain and Spanish-speaking markets.

Product overview

Emburse Captio is a unified travel and expense management platform comprising the core Captio product plus several integrated modules. The portfolio includes: Captio (core expense management with mobile receipt capture, policy enforcement, and reporting), Emburse Assurance (AI-powered compliance), Emburse Cards (corporate virtual/physical cards), Travel Audit (spending audit), and AP Automation (accounts payable). The Emburse AI platform powers intelligent automation across all products. The architecture is a platform-plus-modules model where the Captio core serves as the foundation, with add-on modules extending capabilities for specific use cases like travel, cards, and compliance.

Differentiator

Problem solved

Functional benefit

Products and services

• Captio Core travel and expense management software platform that automates expense reporting, enforces spending policies, and provides detailed insights for planning. Includes mobile receipt capture, approval workflows, corporate card reconciliation, and per diem calculations for medium to large organizations in Spanish-speaking markets.
• Emburse Assurance AI-powered compliance solution that helps keep expenses in line from the start using artificial intelligence, enforcing company spending policies across travel and expense processes.
• Emburse Cards Virtual and physical corporate card issuance for employees with real-time control and automatic expense reconciliation. Regulated under European standards with no commissions, integrated with Captio for transaction visibility and reconciliation.
• Travel Audit Audit solution that identifies and reduces unnecessary travel and expense spending, providing spend analytics to support budget planning and supplier renegotiation.
• AP Automation Accounts payable automation solution that simplifies and streamlines supplier invoice payments and purchases, extending the Emburse platform beyond employee expenses to vendor billing workflows.

Quantifiable outcome

• Potential 20% savings on corporate travel programs through policy compliance and approval workflows
• +1 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability6 records

Feature7 records

Partnerships

One partnership is on record.

• BBVAcoreTechnology or IntegrationBBVA is a core banking integration partner providing corporate card issuance and real-time transaction data for the Emburse Cards functionality and bank reconciliation features.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Rydoo: European-focused travel, expense, and invoice management SaaS; competes head-to-head with Captio in Benelux, France, and broader Europe for multi-country mid-market deployments with policy enforcement and approval workflows.
• SAP Concur: Global leader in corporate travel and expense management software, offering Concur Expense, Concur Travel, and invoice solutions; directly competes with Captio for the same enterprise T&E budgets across mid-market and large customers worldwide.
• Spendesk: European spend management platform combining virtual cards, expense capture, and AP automation; direct overlap with Captio's Emburse Cards and AP Automation modules and addresses the same European buyer.
• Airbase: Spend management platform for mid-market combining bill pay, corporate cards, and expense approvals; closely comparable to Captio's platform-plus-modules architecture and target buyer profile.
• Zoho Expense: Part of the Zoho One suite, providing expense reporting, receipt automation, and policy compliance; competes with Captio in SMB and mid-market segments with integrated accounting and CRM stack.
• Expensify: SaaS expense management platform with mobile receipt scanning, corporate card integration, and policy controls; closely mirrors Captio's mobile-first receipt capture and policy compliance model for SMB and mid-market.

Emerging players

• Pleo: European corporate cards and expense management fintech; overlaps with Captio on virtual/physical corporate cards and expense automation, primarily serving SMB and mid-market in Europe.

Regional players

• TravelPerk: Business travel booking and management platform headquartered in Barcelona, serving European corporate travel with integrated expense capabilities; complementary overlap with Captio's travel-approval and expense workflow.

Broad incumbents

• Emburse (broader platform): Parent company and sister-product portfolio of T&E solutions (Emburse Expense, Emburse Invoice, Abacus, etc.); comparable as the wider incumbent context for Captio within Emburse's multi-product strategy.
• Brex: Corporate cards and integrated spend management platform; comparable to Captio's Emburse Cards plus expense workflow combo at the high-growth enterprise end of the market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/emburse?lang=en
• YouTubeyoutube.com/channel/UCXAK_opRNScOFADAhgPHcCA
• Facebookfacebook.com/emburse
• LinkedInlinkedin.com/company/emburse-captio
• Instagraminstagram.com/emburse/?hl=en

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Emburse Captio