Just an employee? Expense reports that write themselves, free in ChatGPT or ClaudeSee ExpenseOS™ for employees →Deploying AI agents? Give them a policy and a statementExpenseOS for Agents →
OverviewAgentic travel & expense management
For finance & HR teamsInstant reimbursement, benefits, clean books
For employeesKeep your points · get paid back
For AI agentsA policy and a statement for every agent
Employee expensesTravelSupplier paymentsBenefits cardsSoonMCP & chatSavings calculatorAgent spendEarly accessIndustriesComparePricingResourcesAboutFAQBook a demo
Pricing

No software fees, no per-seat charges. Half a point when we move money for you. Up to 1% back when you pay with the ExpenseOS card.

0.5% on payments made without a card: reimbursements, ACH supplier payments, contractors. Cashback on every card payment, netted against one weekly statement. No seats, no software fee, no setup fees. Employees can start free in ChatGPT or Claude today.

Estimate your savings →

Trusted with company money
Bank-grade securityHosted on AWSSSO / SAML + SCIMDual-admin controlsFull audit trails

Pay without a card

0.5%of money moved

Reimbursements, ACH supplier payments, contractors. Half a point when we move the money for you.

On $100K a month: $500

  • Instant reimbursement the minute it clears policy
  • Employees keep 100% of their points
  • One weekly statement, a standard trade payable
  • Every module included, no software fee

Book a demo

Pay with the ExpenseOS card

1%cashback on every card payment

For life, as a founding customer who signs before the end of 2027

0.75% for customers who sign from 2028 on.

Every supplier payment made by card earns it. Credits net against your weekly statement and can pay out.

On $100K a month by card: $1,000 back as a founding customer

  • No corporate card required: suppliers are paid the way they accept
  • No points, no portal, no minimum spend, no waiting period
  • Credits can exceed your fee: we pay you the difference
  • Every module included, no software fee

Rates on very large single payments are confirmed at onboarding.

Book a demo

No software fees, no per-seat charges. Half a point when we move money for you. Up to 1% back when you pay with the ExpenseOS card.

Above 33% card share as a founding customer, the platform pays you. 40% at the standard rate. Run your numbers →

Same product for everyone, including AI agent spendEarly access. No seats, no setup fees, no contracts. Employees can use the free ExpenseOS Agent in ChatGPT or Claude without their company signing up.

Enterprise terms, including prefunded arrangements, by conversation · custom controls, SSO/SAML + SCIM, bring-your-own-model, named success manager. Talk to us →

Founding customers · sign before the end of 2027

Earn 1% for life on every card payment.

Founding customers who sign before the end of 2027 earn 1% cashback on every card payment for as long as they are a customer, instead of the standard 0.75%. Same two numbers, same weekly statement; only the rate changes, and it never changes back.

Rates on very large single payments are confirmed at onboarding.

Book a demo

One rhythm

Weekly statements. A standard trade payable, never a credit line.

Everything you move in a week lands on one statement: reimbursements, supplier payments, agent spend. The cashback nets against it. If the cashback is larger than the fee, the difference is paid to you.

33%

Where your net cost reaches zero

When 33% of what you move goes by card, the 1% founding cashback covers the half point on everything else. 40% at the standard rate. Above that, ExpenseOS pays you.

Paid to you

Credits can exceed your fee

If they do, we pay you the difference. AP-heavy teams routinely come out ahead before counting a single retired expense report.

No card required

Suppliers are paid the way they accept

No corporate card program to run. We do the supplier work of getting them onto card, toward half of your supplier spend, where most programs stay in the single digits: commercial cards are under 3% of B2B payments worldwide (FIS, 2026).

No portal

Credits, not points

No points, no redemption portal, no minimum spend, no waiting period. Credits net against the same statement as your fee.

No seats

Provision everyone

Idle users cost nothing; you pay only when money moves without a card. No software fee, no setup fees, no contracts.

By conversation

Enterprise terms

Enterprise terms, including prefunded arrangements, by conversation. Custom controls, SSO/SAML + SCIM, bring-your-own-model, named success manager.

Keep what you have

ExpenseOS works alongside the cards and payment programs you already have. Keep the corporate card program, keep the bank-pay runs. Upload the card program’s statement and ExpenseOS reads every line, matches it to the expenses and receipts it already has and asks cardholders only about what’s left, at no charge. There are no seats and no software fee, so running ExpenseOS next to them costs nothing: you pay only when we move money for you. Most teams start with reimbursements and supplier payments, leave everything else where it is, and shift more volume when the numbers argue for it. More in the finance FAQ →

Savings calculator

See where it pays for itself.

Your fee on what moves without a card, your cashback on what moves by card, and what you save against what the work costs you today. Dollars, not basis points.

Open the savings calculator →

Also in your favor

Three more ways it pays for itself.

ExpenseOS earns alongside you, and shares it back. Run the numbers →

1 fewer tool

It replaces your expense tool

ExpenseOS does travel and expenses in one place and reconciles your corporate card program’s statement, so it retires a separate expense subscription, often for less than that tool alone.

One rhythm

Never your team as the lender

Your people are paid the minute an expense clears policy. You settle one weekly statement, a standard trade payable, so nobody on your team is ever financing the business.

No booking fee

Travel at the provider’s price

Travel found in ExpenseOS is booked on the airline’s, hotel’s or rental company’s own site, so there’s no booking fee and no markup to you.

Optional

Add-ons, only if you want them.

Priority support & CSM

$500 / mo

A named success manager, 1-hour response SLA, and quarterly business reviews.

Spend intelligenceSoon

$250 / mo

ExpenseOS sees what you pay each supplier and asks for the invoices worth a second look. It returns savings recommendations on any recurring bill, from cloud and SaaS to shipping, insurance and legal. You decide what to act on.

What’s included

Everything, for everyone.

One product and two numbers cover the whole platform. Enterprise changes the volume and controls, never which modules you get.

Expenses

  • Approved → paid to the wallet in seconds
  • Employees keep 100% of their card points
  • AI receipt validation & GL coding
  • Send-back → resubmit loop
  • Mobile snap-a-receipt

Travel

  • Flights, hotels & cars found for each trip
  • Every result checked against policy
  • Hotel caps that follow each city's rates
  • Out of policy to a manager first
  • Employees keep their airline & hotel points

Cards

  • Card payments deposited straight to suppliers
  • Every bill says how it was paid, and why
  • Cashback on every card payment
  • A card for one approved purchase (soon)
  • Single-use, software & trip cards (soon)

AI & automation

  • ExpenseOS Copilot in every surface
  • MCP in Claude & ChatGPT (Slack & Teams soon)
  • Workflow & routing engine
  • Budgets & policy changed in a sentence
  • Auto rail optimization

Controls & security

  • Approval routing & threshold ladders
  • Policies & dual-admin countersign
  • SSO / SAML + SCIM provisioning
  • Lifecycle audit trails
  • Hosted on AWS, bank-grade controls

Agent spend · Early access

  • Per-agent budgets & payee rules
  • Policy check before every payment
  • Pays per call over x402
  • Instant pause for any agent
  • Lands on the same statement

Pricing questions

The fine print, in plain English.

Two numbers. 0.5% 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. No software fee, no seats, no setup fees. On $100K a month moved without a card, that is $500. Employees can use ExpenseOS free in ChatGPT or Claude without their company signing up.
Weekly. One statement a week, one settlement rhythm: a standard trade payable, never a credit line. Cashback nets against the same statement and can pay out.
Every payment made by card earns cashback: 1% for life for founding customers who sign before the end of 2027, and 0.75% for customers who sign later. It nets against your weekly statement. No points, no redemption portal, no minimum spend, no waiting period. If the cashback exceeds your fee, we pay you the difference. No corporate card required; your suppliers are paid the way they accept. Rates on very large single payments are confirmed at onboarding.
When 33% of what you move goes by card, the 1% founding cashback covers the half point on everything else and your net cost reaches zero. At the standard 0.75% the line is 40%. Above it, ExpenseOS pays you. See it on your numbers →
No. There are no seats and no software fee. Idle users cost nothing; you pay only when money moves. Provision everyone.
No setup fee, no per-transaction fees, no booking fees or fare markups. Half a point on money moved without a card and any optional add-ons are the whole cost.
Included. Normal use is covered; Enterprise sizes a custom pool for heavy automation.
No. When your AI agents pay for APIs, data and tools through ExpenseOS (early access), it joins your weekly statement on the same two numbers as everything else you settle. No per-seat fees, no separate contract. ExpenseOS for Agents →
No. ExpenseOS is never a credit line and never lends. Your people are paid instantly; you settle one weekly statement: a standard trade payable, like any vendor invoice. No draw on your facilities, nothing lands as debt.
Enterprise terms, including prefunded arrangements, by conversation.
For most teams, yes. It replaces the expense software you pay for by the seat, retires the work of processing expense reports (about $58 each, an industry benchmark, not our number) and makes your supplier payments for you. On the calculator’s default example, $300K of supplier spend with half on card, the platform pays you $500 a month as a founding customer, on top of the $7,200 of cost today it retires, before the out-of-policy travel it prevents. Move more than a third of what you pay onto card and the platform pays you. The honest trade: the corporate-card rebate goes to your people instead. Run your own numbers →
Yes. ExpenseOS works alongside them. With no seats and no software fee, it costs nothing to run next to what you have; you pay only when we move money for you. Upload the card program’s statement and ExpenseOS matches and codes every line, also at no charge, so the card stays and the expense tool can go. Teams usually start with reimbursements and supplier payments and shift more volume when the savings are proven.

See it on your numbers

What would it cost you?

Book a demo and we’ll map the two numbers to your payment mix and show you the weekly statement on your numbers. Either way, the AI only drafts, and money moves only within the policy you set.

No spam. A short walkthrough mapped to your team.

Thanks, we’ll be in touch to schedule your walkthrough.