Key takeaways
- Puzzle users are startups and small businesses, often with an outsourced accountant.
- Vergo is first where cards stay with an existing bank.
- Brex and Ramp integrate directly with Puzzle and bring their own cards.
- BILL is listed by Puzzle; Expensify is a report-based alternative.
Where should you go next?
- Vergo's Puzzle integration
- What expense management software integrates with Puzzle?
- Get started with Vergo
How do the options rank for Puzzle users?
- Vergo: best overall on existing cards. Receipts by text, coding by inference, entries posted to Puzzle.
- Brex: natural if you already bank with Brex.
- Ramp: natural if you want Ramp's card and bill pay.
- BILL: for payables-heavy small businesses.
- Expensify: for teams that want classic expense reports.
| Option | Cards | How coding is proposed | Route into Puzzle |
|---|---|---|---|
| Vergo | The cards you already have | Inference from your own Puzzle structure and history, with the reason shown | Transactions and journal entries posted through the public API; reimbursement bills prepared for it |
| Brex | Brex Mastercard corporate cards | AI expense management built into the card | Puzzle lists a Brex integration |
| Ramp | Ramp Visa corporate card | Auto-coding trained on customer transaction patterns | Puzzle lists a Ramp integration |
| BILL | BILL's own corporate card | BILL AI auto-categorisation | Puzzle lists Bill.com under expense management |
| Expensify | Card-agnostic; also offers the Expensify Card | AI categorisation | Ask how entries reach Puzzle |
What matters most for Puzzle users?
- Founder time: nobody wants to chase receipts.
- Clean books for fundraising diligence.
- Banking choice.
Why does Vergo rank first for Puzzle?
It fills the one gap Puzzle leaves for bank-issued cards: the receipt and what it says. 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 Puzzle's public API, reads your financial accounts, and posts coded card spend as transactions or journal entries through Puzzle's API, with reimbursements posted as bills to the employee through the same API.
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. Plaid keeps feeding Puzzle as before.
Frequently Asked Questions
Is Vergo only for construction companies?
No. Vergo codes to the categories, classes and departments in your Puzzle books, in any industry.
How is Vergo different from Brex for Puzzle users?
Brex syncs its own card spend and receipts. Vergo gets receipts and coding for the cards you already hold.
Does Vergo handle reimbursements?
Yes, prepared as bills to the employee.
How do we start?
Get started; Puzzle 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.
