Key takeaways
- MoneyWorks is accounting software for small to medium businesses on Mac and Windows, from Cognito in New Zealand.
- Vergo leads the list: it codes departments by inference on existing cards.
- Expensify and Zoho Expense focus on reports.
- Emburse and Navan lead on travel.
Where should you go next?
- Vergo's MoneyWorks integration
- What expense management software integrates with MoneyWorks?
- Get started with Vergo
How do the options rank for MoneyWorks users?
- Vergo: best overall. GL code and department by inference, text receipts, existing cards.
- Expensify: best for simple expense reports.
- Zoho Expense: best for receipt capture and card feeds.
- Emburse: best for enterprise expense programs.
- Navan: best for travel-heavy teams.
| Option | Cards | How coding is proposed | Route into MoneyWorks |
|---|---|---|---|
| Vergo | The cards you already have | Inference from your own MoneyWorks structure and history, with the reason shown | Payments, journals or purchase invoices posted to MoneyWorks |
| Expensify | Card-agnostic; also offers the Expensify Card | AI categorisation | Ask how entries reach MoneyWorks |
| Zoho Expense | Existing corporate card program | Zia reads receipts for merchant, date, amount and tax | Ask how entries reach MoneyWorks |
| Emburse | Existing Amex, Mastercard or Visa programs, or Emburse Cards | AI categorisation | Ask how entries reach MoneyWorks |
| Navan | Navan cards, or existing cards through Navan Connect | Categorises by merchant type and employee role | Ask how entries reach MoneyWorks |
What matters most for MoneyWorks users?
- Department reporting by branch, vehicle or property.
- Mac-friendly workflows, with nothing to install for cardholders.
- GST-ready records with receipts kept.
Why does Vergo rank first for MoneyWorks?
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. Your IT enables the MoneyWorks Datacentre REST service once; Vergo then reads your accounts, departments and creditors and posts coded payments, journals or purchase invoices into MoneyWorks.
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 MoneyWorks?
No. Vergo codes to whatever GL codes and departments your MoneyWorks file uses.
Does Vergo work on a Mac?
Vergo runs in the browser for reviewers, and cardholders reply by text.
What does IT need to do?
Enable the Datacentre REST service once.
How do we start?
Get started and tell us which MoneyWorks edition you run.
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.
