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 →
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
Employee expensesBenefits cardsSoonMCP & chatSavings calculatorAgent spendEarly accessComparePricingResourcesAboutFAQBook a demo
Pricing

One rate. Pay only when money moves.

ExpenseOS is 1.5% of money moved — reimbursements, one monthly statement, nothing prefunded. Connect supplier payments and the rate drops to 1% on everything. No seats, no setup fees, no contracts. 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

Free · for employees

$0forever

AI expense reports in ChatGPT or Claude. No company signup required.

  • AI expense reports in ChatGPT or Claude
  • Magic-link manager approval
  • Approval-stamped PDF

Start free →

Expenses

1.5%of money moved

Company connects expenses. Instant reimbursement, one monthly statement.

  • Instant reimbursement the minute it clears policy
  • Expenses & AI concierge today; Travel and Cards & Benefits included as they launch
  • AI agent spend at the same rateEarly access
  • One monthly statement, a standard trade payable
  • Nothing prefunded, nothing to top up
  • Employees keep 100% of their points

Book a demo

Expenses + Payments

1%of money moved

Company adds supplier payments. The rate drops on everything.

  • Everything in Expenses
  • Approved vendor bills paid the best way each supplier accepts
  • Same monthly statement, one rate on all of it
  • Card payments generate the economics; we pass them back through your price

Book a demo

No seats. No setup fees. No contracts. You pay only when money moves.

Launch Partners: the first 20 teams get the 1% rate on everything for their first year, payments connected or not — plus white-glove onboarding through your first close. Claim a spot →

Enterprise plans available separately · custom controls, SSO/SAML + SCIM, bring-your-own-model, named success manager. Talk to us →

The economics

Add payments. Your rate drops.

ExpenseOS matches every vendor to the best way they accept payment; no enablement campaigns, no calling suppliers.

What you pay

One rate on money moved

1.5% for expenses; connect supplier payments and it’s 1% on everything. Adding more lowers your price — card economics fund the drop.

Who pays first

ExpenseOS does

Your people are paid the minute an expense clears policy; vendors are paid on schedule. You settle one monthly statement — your cash stays yours ~two weeks longer on average. Never a credit line.

What makes 1% possible

The card share

ExpenseOS gets 30%+ of supplier payments onto card, where most programs stay in the single digits — those economics are what let the rate drop instead of a fee stacking up.

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, expense, cards and benefits in one place, so it retires a separate expense subscription, often for less than that tool alone.

~2 weeks

Two weeks of float

You settle monthly while your people are paid in a minute: ~two weeks of float on average, up to 30 days on early-month spend — without making your team the lender.

No booking feeSoon

Travel commissions

Hotels booked inside ExpenseOS earn commission we keep, 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, in every plan.

One rate covers 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

Cards

  • Corporate vault-funded cards (soon)
  • Single-use, multi-use & lodge virtual cards
  • Spend controls, MCC, velocity, country
  • Freeze, reveal & Apple / Google Wallet (soon)
  • Power switch on company-granted cards (soon)

AI & automation

  • ExpenseOS Copilot in every surface
  • MCP, Claude, Slack, Teams, Google Chat
  • Workflow & routing engine
  • Spend-anomaly detection
  • 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 monthly statement

Pricing questions

The fine print, in plain English.

One rate: 1.5% of money moved. Connect supplier payments and it drops to 1% on everything. Employees can use ExpenseOS free in ChatGPT or Claude without their company signing up. For most teams the fee is less than the expense tool it replaces — before counting ~two weeks of float.
Same product, one difference: at 1% you’ve connected supplier payments. Vendor bills land on the same monthly statement, and the card economics they generate are passed back to you as the lower rate.
No. There are no seats. 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. The rate on money moved and any optional add-ons are the whole cost.
Included. Normal use is covered by the rate; 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 statement at your platform rate, the same rate 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 monthly statement — a standard trade payable, like any vendor invoice. No interest, no draw on your facilities, nothing lands as debt.
For most teams, yes. It retires a separate expense subscription and the paperwork disappears. The honest trade: the corporate-card rebate goes to your people instead, and at $58 a report, processing usually costs more than the rebate returned. Then add the float: your cash stays put about two weeks longer on average, up to 30 days, while your people stop fronting. Estimate it on your numbers →

See it on your numbers

What would it cost you?

Book a demo and we’ll map the rate to your payment mix and show you the monthly 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.