For employeesKeep your points · get paid back
For finance & HR teamsInstant reimbursement, benefits, clean books
For AI agentsA policy and a statement for every agent
ExpensesWalletReportsExpense AgentAboutFAQReferStart free

About ExpenseOS

Your people are your most important asset.

ExpenseOS is the expense payments company: your people are paid the minute an expense clears policy and keep every point; your suppliers are paid the way they accept; you settle it all on one monthly statement.

Burlington, VT · Salt Lake City, UT

~60 secfrom approval to money in your wallet. No cycles, no floating the company’s money.
0expense reports to fill out. Expenses code themselves from the receipt.
100%of the points and miles on your business spend stay yours.

What we believe

Your people are the company. Treat their T&E like it.

Employees are the most important asset any company has. Yet the tools they touch most, the ones for travel and expenses, are usually built to extract from them rather than serve them.

Which pain you know depends on the card in your pocket. Carry the corporate card, and the company pockets every point you earn. Pay your own way, and reimbursement crawls for weeks while you quietly float company money on your own credit. Either way, every trip ends in the same expense-report ritual, receipts, codes, approvals, re-submits, that no one enjoys and no one should have to do.

We think that’s backwards. A T&E program should be one of the easiest, most generous parts of someone’s week, not the most annoying.

So ExpenseOS is unapologetically pro-employee.

People pay on their own card and keep every point, and they’re reimbursed about a minute after approval, no float, no waiting on a cycle. Most expenses approve themselves: every submit is checked against your company’s policy plus an AI review, so in-policy spend clears on the spot, and anything else lands on your approver’s phone or Slack as a one-tap yes. The paperwork nightmare disappears, snap the receipt, forward it, or just tell ExpenseOS, and the expense codes itself. Coming soon: big-ticket travel on a company-funded ExpenseOS card so a $4,000 flight never touches your credit, and an easy benefits card covering gym, wellness and commuter without a single form. Nobody is ever required to front money they don’t have.

Your personal card stays personal, too. Linking it is optional, a receipt is all ExpenseOS needs, and your company only ever sees the expenses you submit. Never your statement.

None of it costs finance control, every dollar is coded, in policy, and on the books automatically. But it changes how it feels to work somewhere.

And that feeling is a competitive advantage. The companies that win the best people are the ones whose everyday experiences signal respect, down to how a Tuesday-night work dinner gets paid back. A pro-employee T&E program is a quiet, daily reason the best people join, and stay.

Whichever card you carry today

Two worlds of T&E pain. One fix.

What changes about your week depends on where you’re starting from. Pick yours.

Keep the card and the points. Lose the float, the wait and the reports.

Paid back in about a minute

Every expense is checked the moment you submit it, against your company’s policy plus an AI review. In policy? It approves itself and the money lands in your wallet in ~60 seconds. You stop floating the company’s money.

Nothing sits in an inbox

If an expense does need a human, it reaches your approver wherever they already are, phone, Slack, Teams, email, as a one-tap yes. There’s no report for you to build first.

You know at submit, not week three

Out of policy? ExpenseOS tells you right when you submit, not weeks after you’ve already paid. Fix it and resubmit in seconds.

Receipts, the lazy way

Snap a photo, forward the email, or just tell ExpenseOS in Slack: “expense last night’s dinner.” Travel booked through ExpenseOS needs nothing, it arrives already coded.

Painless swiping is table stakes. Getting something back is the upgrade.

Take your points back

Pay for work on your own card and every point, mile and dollar of cashback is yours. Reimbursement lands ~60 seconds after approval, so you float nothing.

A company card for the big stuff (soon)

Coming soon: flights, hotels and conference fees go on your ExpenseOS card, company-funded, so a $4,000 trip never touches your personal credit. Still no report.

Benefits without the forms (soon)

Coming soon: one benefits card covers gym, wellness and commuter. Swipe and you’re done: commuter is pre-tax, and anything taxable reports itself to payroll. No surprises at tax time.

Still zero paperwork

Whichever card you use, the expense codes itself automatically, and travel booked through ExpenseOS arrives coded and in policy before you land.

Trust & privacy

Your card. Your data. Your business.

ExpenseOS moves real money on your behalf, so here’s exactly where we stand.

Your company sees only what you submit

Linking your personal card is optional, a receipt is all ExpenseOS needs. Your employer never sees your card feed or statement, only the expenses you choose to send.

Bank-level protection

Your money and data are encrypted end to end, and funds are held and moved with regulated financial partners.

Never sold, never shared

Your personal data isn’t a revenue line. We never sell it or share it, not with advertisers, and not with your employer.

Built on rails that carry the world’s money

The platform runs on AWS, payments move on established card networks, and money is held with regulated financial partners — not improvised rails.

Why we built ExpenseOS
Coming soon

From the founder

Why we started ExpenseOS, and the name behind it.

A short note from our founder on the problem we lived for years, what travel and expense should actually feel like for the people doing the work, and the meaning behind the name ExpenseOS.

Our commitments

Good for your people, good for the planet.

The same respect we build into the product, we extend to the world it runs in.

1% for the Planet

1% of revenue to the planet

We donate 1% of revenue to environmental nonprofits every year, a pledge independently validated by 1% for the Planet.

Net-zero data centers

ExpenseOS runs on AWS, matched to 100% renewable energy and on a path to net-zero carbon. More on AWS sustainability.

Interactive

Keep your points

Scroll through how employees keep every card point and reward they earn on business spend, instead of handing them to the company.

Explore it →
Interactive

Travel & expense, handled

Scroll through how ExpenseOS books the trip, codes every expense from the receipt, and reimburses your team the moment you approve, so finance stops keying and close gets easy.

Explore it →

Fits what your company already runs

No rip-and-replace.

ExpenseOS syncs with your company’s accounting and HR so reimbursements, approvals and payroll just line up, nothing for you to set up.

Works with
ClaudeChatGPTSlackTeamsGoogle Chat
Accounting
QuickBooksNetSuiteXeroSageSAPDynamics 365
HR & payroll
WorkdayBambooHRRipplingGusto
Backed by · Built on
NVIDIA InceptionAWS

Our instant-reimbursement and automatic-coding methods are patent-pending.

Want this where you work?

Bring ExpenseOS to your company.

Refer your team and we’ll take it from there, we reach out to your finance folks and make the case. On the finance team yourself? Book a 20-minute call.

About ExpenseOS - Your people are your most important asset.