Key takeaways
- Iplicit users are multi-entity organisations: housing associations, academy trusts, nonprofits, hospitality and more.
- Vergo ranks first for attribute and entity coding on existing cards.
- SAP Concur and Navan are travel-led; Expensify and Zoho Expense are report tools; Emburse keeps your issuer.
- Expense Manager remains a sound native choice for personal claims.
Where should you go next?
- Vergo's Iplicit integration
- What expense management software integrates with Iplicit?
- Get started with Vergo
How do the options rank for Iplicit users?
- Vergo: best overall. Coding by inference across account, tax band, attributes and entity; text receipts; existing cards.
- SAP Concur: where a group travel policy is mandated.
- Navan: where staff book a lot of travel.
- Expensify: where a report workflow is preferred.
- Zoho Expense: where Zoho is already in use.
- Emburse: where an existing card issuer must stay.
| Option | Cards | How coding is proposed | Route into Iplicit |
|---|---|---|---|
| Vergo | The cards you already have | Inference from your own Iplicit structure and history, with the reason shown | Documents, payments and purchase invoices with attachments, through the public API |
| SAP Concur | Existing cards through bank card feeds | Categorisation from merchant and transaction data | Ask how entries reach Iplicit |
| Navan | Navan cards, or existing cards through Navan Connect | Categorises by merchant type and employee role | Ask how entries reach Iplicit |
| Expensify | Card-agnostic; also offers the Expensify Card | AI categorisation | Ask how entries reach Iplicit |
| Zoho Expense | Existing corporate card program | Zia reads receipts for merchant, date, amount and tax | Ask how entries reach Iplicit |
| Emburse | Existing Amex, Mastercard or Visa programs, or Emburse Cards | AI categorisation | Ask how entries reach Iplicit |
What matters most for Iplicit users?
- Entity accuracy across sites.
- Fund and grant reporting through attributes, for nonprofits.
- Audit trail with receipts.
Why does Vergo rank first for Iplicit?
Iplicit's reporting power depends on attributes being right. 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 through Iplicit's public API and records coded card spend as documents and payments, and supplier bills as purchase invoices, with receipt attachments.
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. Iplicit's bank feeds continue from the same accounts.
Frequently Asked Questions
Is Vergo only for construction companies?
No. It serves any sector, coding to the accounts and attributes in your Iplicit setup.
How is Vergo different from Expense Manager?
Expense Manager asks cardholders to enter lines. Vergo proposes the coding from the receipt and asks only for a photo.
Does Vergo suit charities and academy trusts?
Yes. Vergo codes to the attributes you use for funds, schools or sites.
How do we start?
Get started; Iplicit connects through its public API.
Does Vergo handle AP?
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.
