Slide in your numbers and see the two numbers at work: the half point on what we move without a card, the cashback on what you pay with the ExpenseOS card, and what you save against what the work costs you today: report processing, your expense software, supplier payments and what out-of-policy travel costs you. Estimates only; we’ll model it exactly on a demo.
Monthly figures
Reopen or adjust this estimate: https://www.expenseos.com/savings-calculator?e=50000&r=100&s=300000&c=50&k=58&u=100&t=8&n=200&f=3&b=0&a=0&g=0&w=20&o=59&fo=1
Half of your supplier spend on card is the target we work toward with your suppliers; set it to where you are today or where you expect to land. Card payments earn cashback; everything else moves at 0.5%. On these numbers, net cost reaches zero at 39% of supplier spend on card.
Works out to about $500 per report on your volume.
$58 is an industry benchmark (GBTA Foundation and HRS), not our number. Adjust it to yours. With ExpenseOS, expenses code and post themselves, so this keying and chasing goes away.
$8 is a placeholder. Use the price on your own contract. ExpenseOS has no seats, so this goes away.
Works out to about $1,500 per payment on your volume.
Industry benchmark, not our number: a paper check costs $2.01 to $4.00 to issue, an ACH $0.26 to $0.50 (AFP 2022 Payments Cost Benchmarking Survey). The default assumes checks. Set it to your mix, or to the fee your bill-pay service charges per payment.
People who travel for work most months. Only the share below is counted.
59% of business travelers went out of policy on at least one expense on their last trip (GBTA Foundation). Adjust to your culture.
Out-of-policy travelers cost $2,881 more per year each than compliant ones (GBTA Foundation research). We count only this documented premium, not fare timing or fraud, so this estimate runs conservative.
On these numbers: 20 travelers × 59% × $2,881 = $33,996 a year, $2,833 a month.
The subscription for a separate bill-pay or AP service. If your accounting software handles approvals, ExpenseOS makes the payments and that service can go. Put its per-payment fees in the cost to make one payment.
Rebates or cashback you earn today by paying suppliers by card. ExpenseOS cashback replaces it, so it counts against your savings.
Leave it at 0% if you have no corporate card program. With ExpenseOS the rewards go to your people, so a rebate you earn today counts against your savings.
0.5% on money moved without a card · 1% cashback on card payments · one weekly statement
you save / mo, before the points your team keeps
ExpenseOS pays you $500 / moThe cashback on your card payments is larger than the fee on everything else.
Card payments are 43% of what you move. Net cost reaches zero at 33% as a founding customer (40% standard). You are above it, so ExpenseOS pays you. Book a demo and we will model it exactly.
Illustrative. Actual fees and cashback depend on your volumes and supplier card acceptance. Cashback nets against the same weekly statement as your fee; if it exceeds the fee, we pay you the difference. Rates on very large single payments are confirmed at onboarding. Benchmarks are industry figures, not our numbers: $58 to process an expense report (GBTA Foundation and HRS); $2.01 to $4.00 to issue a paper check and $0.26 to $0.50 for an ACH payment (AFP 2022 Payments Cost Benchmarking Survey); out-of-policy travelers cost $2,881 more a year each than compliant ones, and 59% of business travelers went out of policy on at least one expense on their last trip (GBTA Foundation). The software price is a placeholder for your own contract.
ExpenseOS is Agentic Travel & Expense Management: every purchase is approved against live budgets and live market prices before the money moves. Finance sets the budget and employees keep their rewards. Your people are paid the minute an expense clears policy, your suppliers are paid on time, the way they accept, your AI agents spend within your policy, and you settle it all on one weekly statement. No software fee, no seats, no setup fees. Half a point when ExpenseOS moves money for you, up to 1% back when you pay with the ExpenseOS card: 1% cashback on every card payment for life for founding customers who sign before the end of 2027, and 0.75% for customers who sign later. Rates on very large single payments are confirmed at onboarding.
Pricing: https://www.expenseos.com/pricing · Book a demo: https://www.expenseos.com/book
Worth more than the math
Two of the biggest reasons finance teams switch never show up as a line item, but they change the day-to-day for everyone.
No split between staff with a company card and those floating costs on their own. Everyone expenses, gets paid back the moment it’s approved, and keeps their own points, the same deal from the front line to the C-suite.
No plastic to hand out, no lost-or-stolen tickets, no chasing cards back at offboarding. Admins stop running a card program entirely, access follows the employee and switches off the moment they leave.
See it on your real numbers
Book a demo and we’ll map this to your actual T&E spend, tools and headcount, and show exactly where the savings land.
No spam. A short walkthrough mapped to your team.
Thanks, we’ll be in touch to schedule your walkthrough.