Key takeaways
- Business Central users are mostly small and mid-sized companies coding to accounts and a handful of dimensions.
- Vergo ranks first because it proposes those dimensions by inference and leaves your card program alone.
- Brex lists a direct Business Central sync; Ramp and Brex both expect you to move to their cards.
- SAP Concur and Navan are strongest where travel booking is central.
Where should you go next?
- Vergo's Dynamics 365 Business Central integration
- What expense management software integrates with Dynamics 365 Business Central?
- Get started with Vergo
How do the options rank for Business Central users?
- Vergo: best overall. Account and dimension coding by inference, text receipts, existing cards, v2.0 API posting with attachments.
- Brex: best for companies switching to a new corporate card; Business Central is on Brex's direct-sync list.
- Ramp: best for companies consolidating on the Ramp Visa card.
- SAP Concur: best for travel-heavy teams, with bank card feeds and 300+ connectors.
- Navan: best when travel booking drives expenses; works with Navan cards or existing cards through Navan Connect.
| Option | Cards | How coding is proposed | Route into Business Central |
|---|---|---|---|
| Vergo | The cards you already have | Inference from your own Business Central structure and history, with the reason shown | Journal lines or purchase invoices with attachments, v2.0 API |
| Brex | Brex Mastercard corporate cards | AI expense management built into the card | Listed as a direct ERP sync |
| Ramp | Ramp Visa corporate card | Auto-coding trained on customer transaction patterns | Ask how entries reach Business Central |
| SAP Concur | Existing cards through bank card feeds | Categorisation from merchant and transaction data | Ask how entries reach Business Central |
| Navan | Navan cards, or existing cards through Navan Connect | Categorises by merchant type and employee role | Ask how entries reach Business Central |
What matters most for Business Central users?
- Dimension accuracy. Business Central reporting runs on dimensions, and the default from an employee card is often wrong for project or customer spend.
- Time to value. Small finance teams cannot run a long implementation.
- Card choice. Keeping a bank relationship often matters more than any software feature.
Why does Vergo rank first for Business Central?
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. Every coding shows why it was chosen, so a reviewer confirms in seconds instead of re-coding by hand. Vergo connects directly through Business Central's public v2.0 API: it reads your G/L accounts, dimensions and vendors, and posts coded journal lines or purchase invoices with the receipt attached.
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. Yodlee bank feeds and your payment reconciliation journal keep working as before.
Frequently Asked Questions
How is Vergo different from Business Central's own expense module?
The module manages expense reports and reads receipts it is sent. Vergo codes each card transaction by inference as it happens, chases the receipt by text, and explains each proposal.
Is Vergo only for construction?
No. Business Central users in distribution, services, manufacturing and more use dimensions for departments, projects and customers; Vergo codes to whichever you use.
Does Vergo attach receipts in Business Central?
Yes. The receipt posts as an attachment with the entry.
How quickly can we start?
Connecting Business Central is self-serve through its public API. Get started.
Does Vergo handle AP invoices?
Yes. Card spend, employee reimbursements and AP invoices run through one coding model — same coding, same review, one reconciliation — and payment stays on the rails you already use.
