Questions finance teams ask.

ExpenseOS is Agentic Travel & Expense Management: every purchase approved before the money moves, people paid in a minute, suppliers paid on time, AI agents within policy, one weekly statement. Expenses code themselves to the right account, cost center and project the moment the receipt arrives. Finance approves instead of keying, employees keep every point, and finance gets clean, automatic books. Travel is built in: flights, hotels and cars found and checked against your policy before anyone books. ExpenseOS-issued cards are rolling out next, and AI agent spend is in early access.

Five ways, and the biggest comes first. Industry research puts the leak in legacy T&E at three to four points of controllable spend: out-of-policy travelers cost $2,881 more per year each (GBTA Foundation), last-minute domestic fares run up to 25% higher than booking one to three months ahead (ARC and Expedia 2025), and expense fraud runs 18 months before detection (ACFE 2024). ExpenseOS closes these before the money moves: approval in seconds so trips book early, caps that track live market prices, and nothing outside budget can spend at all. The other four are paperwork. It replaces a separate expense tool, often for less than that tool alone. Expenses code and post themselves, so finance stops paying ~$58 a report in keying and chasing (GBTA). It makes your supplier payments for you, so the cost of issuing checks and ACH payments goes away. And every supplier payment made by card earns cashback, 1% for life as a founding customer or 0.75% at the standard rate, against the half point on everything moved without a card: above 33% card share as a founding customer (40% at the standard rate), the platform pays you. Your people are paid in a minute and you settle one weekly statement. The honest trade: employees keep the points, so any corporate-card rebate goes to them instead. Run the two numbers on yours →

From “Expense Reporting: Global Practices and Pain Points”, a study by the GBTA Foundation, the research arm of the Global Business Travel Association, sponsored by HRS (2015). It found the average expense report costs $58 and 20 minutes to process, and that 19% contain errors costing another $52 and 18 minutes each to correct. It remains the industry-standard benchmark, cited by SAP Concur, Forbes and others; a decade of inflation means today’s true costs run higher.

ExpenseOS does. It fronts the payback: employees are paid the minute an expense clears policy, and your company settles one weekly statement afterward. Always a standard trade payable to ExpenseOS, never a credit line. Finance never scrambles to fund an individual reimbursement.

Yes, quietly. Bills sync from your accounting system already approved; ExpenseOS simply executes each payment the way the supplier accepts, with no new workflow for your team. Every supplier payment made by card earns cashback that nets against your weekly statement: 1% for life for founding customers who sign before the end of 2027, and 0.75% for customers who sign later. Payments made without a card move at 0.5%.

That’s where it’s headed. Because ExpenseOS executes your supplier payments, it sees where the money goes. Spend intelligence, a coming add-on, turns that into found money: when a bill looks worth a second look, ExpenseOS asks you to forward the invoice and returns an analysis, peer benchmarks from its vendor network, billing errors, unused licenses, better terms, on any recurring supplier bill: cloud, SaaS and AI to shipping, insurance, utilities, telecom, energy and legal. Recommendations only: you decide what to act on.

No, ExpenseOS never lends. Your people are paid instantly; you settle one weekly statement, a standard trade payable to ExpenseOS, like any vendor invoice. No draw on your facilities. It is never a credit line and never debt on your balance sheet.

Card platforms are built around the company card, so the company keeps the points and anyone without a card still files an expense report. ExpenseOS is employee-first: your team pays on their own card and keeps every point, expenses code themselves, and people are paid about a minute after an expense clears policy, with a benefits card for stipends coming soon. See the full side-by-side →

Two numbers. Half a point on payments made without a card: reimbursements, ACH supplier payments, contractors. Cashback on every card payment: 1% for life for founding customers who sign before the end of 2027, and 0.75% for customers who sign later. Weekly statements. No software fee, no seats, no setup fees. Above 33% card share as a founding customer (40% at the standard rate), the platform pays you. Rates on very large single payments are confirmed at onboarding. Employees can use ExpenseOS free in ChatGPT or Claude. See pricing →

Free software still leaves you running AP: the card program, supplier enrollment, expense reports and the processing cost behind them. ExpenseOS runs it for you, and does the supplier work: most programs keep cards in the single digits (commercial cards are under 3% of B2B payments worldwide, FIS 2026); ExpenseOS works with your suppliers toward half of your supplier spend on card, and that card spend comes back to you as cashback of up to 1%, with no card lock-in, credited weekly against your statement, and it can pay out. No points portal, no headaches, and your employees keep their own card rewards. Rates on very large single payments are confirmed at onboarding.

Every purchase is approved before they spend, and they are paid back about a minute after it clears policy, so even a flight or a hotel is floated for minutes, not weeks. For anyone who would rather not use their own card, a card for one approved purchase is coming soon.

The way they already accept. One weekly statement covers employees and suppliers.

ExpenseOS auto-codes, allocates and posts every expense to your accounting system, QuickBooks, Xero, NetSuite, Sage Intacct or Microsoft Dynamics, and syncs with the HR systems you already run. No exports, no manual journal entries, no rip-and-replace.

Employee wallets are employee-owned and ring-fenced from your company Vault, which sits in segregated accounts with regulated partners. Money movement uses dual-admin and maker-checker controls, access is governed by SSO/SAML and SCIM, ExpenseOS runs on AWS, and the AI never trains on your data. More on security →

Not yet, honestly. Our controls are built to SOC 2 criteria from day one, dual control on money movement, SSO/SCIM, full audit trails, and a formal Type II audit is on our near-term roadmap. Ask in your vendor review and we'll share the current security documentation and walk your team through it.

Yes, every point. Employees pay for work on their own card and keep the miles, points and cashback; ExpenseOS reimburses them within the minute. It costs finance nothing to give back, and it removes a quiet pay cut your travelers feel.

Benefits cards are coming soon. When they land, each program (gym and wellness, healthcare, commuter, home office, learning) lives as its own purse on one benefits card. In-policy swipes need no receipt, unused stipend lapses at reset so you only pay for what's used, and pre-tax programs like commuter (§132) and HSA/FSA run pre-tax automatically. More on cards & benefits →

Most teams are live quickly because there's nothing to rip out. ExpenseOS plugs into your existing accounting and HR systems, expense coding flows back automatically, and it runs alongside what you already have.

From a policy pack for your industry, and then from you. On day one ExpenseOS suggests a policy for professional services, software and technology, field services and construction, life sciences, nonprofits, government contractors, property management or home health and home care: each category's limits, how far over each city's market rate a hotel may go, and a starting travel policy for the clients you bill travel to. Your admins change any of it on screen or in a sentence, like “Keep travel under $30K this quarter”, and see every change before it applies. Budgets by team and category are set the same way, and every check shows what is spent and what is already committed.

They can cover the difference, and you pay the in-policy amount, never more. On a flight, hotel or rental car over its cap, the employee can book what they want on their own card: the in-policy part is paid back the minute they book, the rest is theirs, and both numbers are shown before they spend. The in-policy options come first, so it's an upgrade they choose, not a cost you pass on, and there's no exception for anyone to approve. Anything over for another reason still goes to the right approver, with the reason.

No, and we do not ask you to. ExpenseOS runs alongside your existing card and bank programs. Start it where it wins on day one, instant reimbursements and cash-back supplier payments, and keep your current programs exactly as they are. Upload the card program’s statement and ExpenseOS reads every line, checks it against the statement’s own totals, matches it to the expenses and receipts it already has and asks cardholders only about what’s left, so you can keep the card and retire your expense tool. There is no charge for anything ExpenseOS does not move, so coexistence is free, the card program’s statement included. As the weekly statement proves itself, most teams move more spend over on their own schedule.

You walk out with everything. Expenses, receipts, coded history and audit logs export anytime, and because ExpenseOS posts into the accounting system you already run, your books never leave your GL. It runs alongside your current stack, so reverting is a config change, not a migration.

You do. Bills arrive pre-approved from your accounting system and ExpenseOS just executes; the only things that surface are genuine exceptions, funding shortfalls, changed bank details, or a required second signature. Approval routing, thresholds and dual-control are all yours to configure.

Anything payable over the x402 protocol, which today spans tens of thousands of machine-payable services: APIs, data feeds and agent tools. Your policy decides which of them your agents may actually buy. ExpenseOS for Agents →

The same way you control employee expenses on ExpenseOS. Per-agent budgets, payee rules, amount caps and approval thresholds; every payment is checked before it executes, and you can pause any agent instantly.

It joins your weekly statement on the same two numbers as everything else you settle through ExpenseOS. No per-seat fees, no separate contract.