A business travel account (BTA) is a central, cardless payment solution that companies use to pay for employee travel. Instead of issuing individual cards, all travel-related costs—such as airline tickets, hotels, and ground transport—are charged to one shared account. This simplifies billing, improves control, and enhances visibility into travel spending.
How a business travel account works
When employees book business trips through a travel management company (TMC), the expenses are billed directly to the company’s BTA. Charges from different airlines, hotels, and other suppliers are grouped into one consolidated statement—typically issued monthly—which simplifies payment and reconciliation.
Benefits of using a business travel account
- Centralized billing – All charges from multiple suppliers (such as airlines and hotels) are combined into a single invoice, making it easier to manage and pay.
- Better cash flow – Businesses benefit from deferred payment terms and don’t need to reimburse employees directly for travel.
- Improved reporting – Travel managers and finance teams get detailed data on what was spent, where, and with which supplier, helping with budget planning and policy compliance.
- Lower fraud risk – No individual cards are needed, which reduces the risk of fraud or unauthorized use.
Who should use a business travel account
A BTA is especially helpful for organizations with frequent travelers or large teams booking through multiple airlines and suppliers. It helps centralize payments, reduce administrative overhead, and gain better insights into overall travel costs.
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