Key takeaways
- KashFlow is online accounting for UK sole traders, contractors and small businesses.
- Vergo comes out on top since it codes nominal code and VAT by inference on existing cards.
- Expensify and Zoho Expense focus on expense reports.
- Ramp and Brex are built around their own cards; check how each reaches KashFlow.
Where should you go next?
- Vergo's KashFlow integration
- What expense management software integrates with KashFlow?
- Get started with Vergo
How do the options rank for KashFlow users?
- Vergo: best overall. Nominal code and VAT by inference, text receipts, existing cards.
- Expensify: best for simple expense reports.
- Zoho Expense: best for receipt capture and card feeds.
- Ramp: best for companies moving to the Ramp Visa card.
- Brex: best for companies wanting Brex cards and banking.
| Option | Cards | How coding is proposed | Route into KashFlow |
|---|---|---|---|
| Vergo | The cards you already have | Inference from your own KashFlow structure and history, with the reason shown | Purchases through KashFlow's REST API |
| Expensify | Card-agnostic; also offers the Expensify Card | AI categorisation | Ask how entries reach KashFlow |
| Zoho Expense | Existing corporate card program | Zia reads receipts for merchant, date, amount and tax | Ask how entries reach KashFlow |
| Ramp | Ramp Visa corporate card | Auto-coding trained on customer transaction patterns | Ask how entries reach KashFlow |
| Brex | Brex Mastercard corporate cards | AI expense management built into the card | Ask how entries reach KashFlow |
What matters most for KashFlow users?
- VAT returns built from correct rates.
- Little admin: small teams have no finance department.
- Accountant-ready books with receipts attached.
Why does Vergo rank first for KashFlow?
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. 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 connects directly through KashFlow's public REST API and records coded card spend as purchases, with the nominal code and VAT rate on each.
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 KashFlow?
No. Vergo codes to whatever nominal codes your KashFlow account uses.
How is Vergo different from KashFlow Go?
KashFlow Go lets you add an expense and a receipt image. Vergo proposes the coding by inference and chases receipts itself.
Can our accountant review in Vergo?
Yes. Reviewers see each proposal and its reason.
How do we start?
Get started and tell us how many cards you use.
Does Vergo handle bills too?
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.
