Bills come in from your accounting system already approved, and ExpenseOS pays every one on time. An agent keeps moving more of your suppliers onto card, where each payment earns cash back.
How each bill is paid
Each payment goes the best way its supplier accepts, and every bill says how it was paid and why not another way.
If a supplier accepts card, the payment goes on card, deposited straight to the supplier with nothing to key in on their side. Every card payment earns cash back against your fee.
Hundreds of thousands of billers are connected directly: utilities, telecoms, insurers and more. Each payment arrives matched to your account with them.
Suppliers that don’t take card yet are paid by ACH or check, on time, and the bill says why it went that way.
Payments in flight
Once a payment leaves, the app follows it in real time, so you know where every supplier payment stands without calling the bank or the supplier.
The agent
Supplier payments rarely go on card, and every one that does earns cash back against your fee. So an agent works your supplier list.
Share of payments made by card
Your side of it
Your approvals stay where they are. ExpenseOS takes the bills from there.
Bills come in from your accounting system with their approvals done. Add one by hand and a second person signs off before it’s paid.
Pay a bill outside ExpenseOS and it stays on the list, marked paid.
Supplier payments land on the same weekly statement as your reimbursements: a standard trade payable, never a credit line.
What it costs
No software fee, no seats, no setup fees.
On supplier payments made direct to the biller, by ACH or by check.
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.
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.
See pricing →Run your numbers →
ExpenseOS works alongside the payment programs you already have. Keep the bank-pay runs and the suppliers you pay yourself. There are no seats and no software fee, so running it next to them costs nothing: you pay only when we move money for you.
Supplier payments
A short walkthrough mapped to your supplier list: who takes card, who bills direct, and what moving more of them onto card is worth.
FAQ
Yes. Approved bills sync from your accounting system, or you add them by hand, and ExpenseOS pays each one the best way its supplier accepts: on card where they take it, direct to the biller for utilities, telecoms, insurers and other billers, and by ACH or check for the rest. Every bill shows how it was paid and why not another way.
An agent checks which of your suppliers accept card and sends their payments there, deposited straight to the supplier with nothing to key in on their side. When a supplier starts taking card, its next bill goes on card. Getting suppliers onto card is our work, not your team's, toward half of your supplier spend, where most programs stay in the single digits.
Half a point on supplier payments made without a card: direct to the biller, by ACH or by check. Every supplier payment made by card earns cashback instead: 1% for life for founding customers who sign before the end of 2027, and 0.75% for customers who sign later, netted against one weekly statement. No software fee, no seats, no setup fees. Rates on very large single payments are confirmed at onboarding.
Yes. The app shows every supplier payment in flight, sent, processing and confirmed, and updates in real time, so you know where each one stands without calling the bank or the supplier. When a payment is confirmed, the bill is marked paid.
No. Bills arrive from your accounting system already approved, so approvals stay where they are. A bill added by hand needs a second person to sign off before it is paid.
Yes. Pay a bill outside ExpenseOS and it stays on the list, marked paid. With no seats and no software fee, running ExpenseOS next to your bank's bill pay costs nothing: you pay only when ExpenseOS moves the money.
Further reading: How settlement works
