Paid in a minute, settled weekly
ExpenseOS fronts every payment itself. Your people are reimbursed the moment an expense clears policy, so nobody is out of pocket waiting on a cycle, and approved vendor bills are paid the way each supplier accepts. Then you settle one weekly statement covering every dollar moved: reimbursement line items, supplier line items, the fee on what moved without a card, and the cashback on what moved by card. One rhythm, the one your finance team already runs.
Unlike a reimbursement run, none of it is fronted by your people. Unlike a card program, none of it is a balance you owe a bank.
A standard trade payable, not a credit line
The statement is a standard trade payable to ExpenseOS, exactly like any vendor invoice. There’s no revolving balance, no draw on your credit facilities, and nothing landing as debt on your balance sheet. ExpenseOS never lends. Your auditors see an ordinary payable with an ordinary audit trail.
The two numbers
No software fee, no seats, no setup fees. 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. On $100K a month moved without a card, that is $500; on $100K paid by card, $750 or $1,000 comes back.
The cashback nets against the same weekly statement as the fee, and if it is larger, we pay you the difference. The line is 33% card share as a founding customer, 40% at the standard rate: above it, ExpenseOS pays you. Rates on very large single payments are confirmed at onboarding.
How you pay
Settle by autopay from your bank account each week. Enterprise terms, including prefunded arrangements, by conversation. The product is identical either way.
Side by side
| ExpenseOS | Card programs | Pure reimbursement | |
|---|---|---|---|
| Your people are paid | In a minute | N/A, spend sits on the company card | Days to weeks later |
| Your cash stays yours | Until the weekly statement, and your people never front it | ~1 week to a month, by program | Your employees front it |
| Who keeps the points | Your employees, always | The company card program | Employees, but they carry the float |
| What it costs | 0.5% on non-card payments; up to 1% back on card payments | “Free”, paid for in points and admin | ~$58 a report in processing (GBTA) |
The honest rule of thumb
Against a card program, the line is simple: none of the card program, your people keep their points, and your card payments still earn cashback. Against a reimbursement tool: your people stop fronting, and you settle once a week. Either way the statement isn’t the concession. It’s the proof the model works without a credit line.
How ExpenseOS does it
The employee experience never changes: they pay on their own card, keep their points, and are reimbursed the instant an expense clears. Expenses still code themselves and finance still gets clean books. The only thing on your calendar is one statement a week.
The takeaway: your people are paid in a minute, you settle weekly, and the thing in between is a plain trade payable, not debt. That’s the whole trick.