Key takeaways
- Bullet users are Irish small businesses running accounts, VAT and payroll in one place.
- Vergo ranks first because receipts and VAT coding are where time goes.
- Expensify and Zoho Expense focus on claims; SAP Concur on larger programs.
Where should you go next?
- Vergo's Bullet integration
- What expense management software integrates with Bullet?
- Get started with Vergo
How do the options rank for Bullet users?
- Vergo: best overall. Category and VAT by inference, text receipts, existing cards.
- Expensify: best for simple claims and reports.
- Zoho Expense: best for teams already using Zoho apps.
- SAP Concur: best for larger, travel-heavy organisations.
| Option | Cards | How coding is proposed | Route into Bullet |
|---|---|---|---|
| Vergo | The cards you already have | Inference from your own Bullet structure and history, with the reason shown | Bills or manual journals through Bullet's API |
| Expensify | Card-agnostic; also offers the Expensify Card | AI categorisation | Ask how entries reach Bullet |
| Zoho Expense | Existing corporate card program | Zia reads receipts for merchant, date, amount and tax | Ask how entries reach Bullet |
| SAP Concur | Existing cards through bank card feeds | Categorisation from merchant and transaction data | Ask how entries reach Bullet |
What matters most for Bullet users?
- VAT-ready records every period.
- Owner time.
- Existing Irish bank cards.
Why does Vergo rank first for Bullet?
Employees handle everything by text message — no app to download, no portal login — and Vergo chases missing receipts itself instead of waiting for a report. Vergo proposes the coding by inference from your own accounting structure and history — no rule library to build, no keyword lists to maintain, and new vendors are coded on first sight. Once API access is enabled, Vergo records coded spend in Bullet as bills or manual journal entries through Bullet's API.
Do you have to change cards?
No. Vergo does not issue cards. Connecting your existing cards involves no card applications, no re-issuing and no banking change. Your Bullet bank feed with your Irish bank keeps running.
A practical example
An Irish landscaping firm on Bullet has four crew leads with cards for fuel and materials. Vergo texts each lead after a purchase, proposes fuel or materials with the VAT rate, and the owner confirms from a phone, so VAT periods close without a receipt hunt.
Frequently Asked Questions
How is Vergo different from Expensify for Bullet?
Expensify centres on expense reports. Vergo codes each card purchase as it happens and collects receipts by text.
Does Vergo write to Bullet?
Yes, as bills or manual journal entries through Bullet's API, once access is enabled.
Is Vergo too much for a sole trader?
Vergo is aimed at businesses where several people spend on company cards.
How do we start?
Get started and tell us how many people hold cards.
