Does Bullet have built-in expense management?

Yes, at a small-business level. Bullet records expenses as bills with who paid, expense category and VAT rate, scans receipts in its mobile app, tracks mileage and reimburses employee-paid expenses through payroll. Bullet does not describe approval workflows or dedicated card feeds. Vergo adds card spend coding by inference and receipts by text.

September 29, 2026
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Key takeaways

  • Yes: expenses, receipts, mileage and payroll reimbursement are built into Bullet.
  • Expenses are bills, with the employee or director recorded as the payer where relevant.
  • Bank feeds and reconciliation are included; card spend is reconciled like other bank lines.
  • Vergo adds category and VAT proposals and receipt collection by text.

Where should you go next?

What does Bullet include for expenses?

  • Receipt tracking: scan receipts with the mobile app and extract the data.
  • Expenses as bills: who paid, expense category, VAT rate.
  • Mileage: by employee, with calculated distance.
  • Payroll reimbursement: employee-paid amounts appear in the next pay run.
  • Bank feeds: with Irish banks, and reconciliation.

Where does the built-in option leave work?

  • Approvals: Bullet does not describe an approval step.
  • Receipt chasing for staff cards.
  • Category and VAT choice on every line.

When is a separate tool worth it?

When several staff carry business cards and VAT periods start with missing receipts. 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. Once API access is enabled, Vergo records coded spend in Bullet as bills or manual journal entries through Bullet's API.

How Vergo works alongside Bullet

Bullet stays your accounts, VAT and payroll. 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. Supplier bills can go through the same review, and payment stays on the rails you already use.

A practical example

A Galway building services firm on Bullet has five technicians with cards. Receipts used to arrive at the end of the VAT period in a shoebox. With Vergo, each technician answers a text after paying, and the office manager confirms proposed categories and VAT rates weekly before bills are recorded in Bullet.

What should an Irish small business check before adding a tool?

That VAT rates are proposed per line, since a single receipt can mix standard, reduced and zero-rated items; that employee-paid costs can still flow to the Bullet payroll run; and that cardholders do not need another app. Vergo covers all three and records coded bills in Bullet through its API.

Frequently Asked Questions

Does Bullet have expense approvals?

Bullet does not describe an approval workflow for expenses.

Can Bullet reimburse employees?

Yes. Employee-paid expenses are reimbursed through payroll.

What does Vergo add?

Category and VAT proposals by inference and receipts collected by text.

Who enables the connection?

API access is enabled once in your Bullet environment.

Do we need to change cards?

No. Connecting your existing cards involves no card applications, no re-issuing and no banking change.

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