Key takeaways
- FreeAgent serves small businesses, freelancers, contractors and landlords, and their accountants.
- Vergo ranks first for teams with several cards: explanations by inference, text receipts, existing cards.
- FreeAgent's built-in expenses and Smart Capture suit freelancers.
- Expensify, Zoho Expense and Emburse focus on reports.
Where should you go next?
- Vergo's FreeAgent integration
- What expense management software integrates with FreeAgent?
- Get started with Vergo
How do the options rank for FreeAgent users?
- Vergo: best overall. Category, VAT and project by inference, text receipts, existing cards.
- FreeAgent Smart Capture: best for freelancers with a few receipts a month.
- Expensify: best for simple expense reports.
- Zoho Expense: best for receipt capture and card feeds.
- Emburse: best for enterprise expense programs.
| Option | Cards | How coding is proposed | Route into FreeAgent |
|---|---|---|---|
| Vergo | The cards you already have | Inference from your own FreeAgent structure and history, with the reason shown | Explanations and expenses through FreeAgent's API |
| Expensify | Card-agnostic; also offers the Expensify Card | AI categorisation | Ask how entries reach FreeAgent |
| Zoho Expense | Existing corporate card program | Zia reads receipts for merchant, date, amount and tax | Ask how entries reach FreeAgent |
| Emburse | Existing Amex, Mastercard or Visa programs, or Emburse Cards | AI categorisation | Ask how entries reach FreeAgent |
What matters most for FreeAgent users?
- A short unexplained list at month end.
- Rebilling client costs through projects.
- Accountant access to clean books.
Why does Vergo rank first for FreeAgent?
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 FreeAgent's public API, explains each card transaction with its category, VAT rate and project, and records out-of-pocket spend as expenses for the user.
Do you have to change cards?
No. Connecting your existing cards involves no card applications, no re-issuing and no banking change.
Frequently Asked Questions
Is Vergo only for construction companies on FreeAgent?
No. Vergo codes to whatever categories and projects your FreeAgent account uses.
How is Vergo different from Smart Capture?
Smart Capture reads the date and amount and suggests a category. Vergo proposes the full explanation from how your own business coded similar spend, and chases receipts by text.
Can our accountant review in Vergo?
Yes. Reviewers see each proposal and its reason.
How do we start?
Get started; connecting FreeAgent is self-serve through its API.
Does Vergo handle bills?
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.
