Does Puzzle have built-in expense management?

Key takeaways

• No: Puzzle's help center has no articles on native expense reports, reimbursements or receipt capture.
• For bank-issued cards, Vergo supplies the receipt and the coding.
• Receipts attached in Brex or Ramp sync into Puzzle with those platforms' transactions.
• Puzzle reaches 12,000+ banks and cards through Plaid, with dedicated connections for Mercury, Ramp and Brex.

Where should you go next?

• Vergo's Puzzle integration
• What expense management software integrates with Puzzle?
• Get started with Vergo

What does Puzzle include for spend?

• AI categorisation of most transactions.
• Classes, departments and projects on the Complete plan and up.
• Integrations with Brex, Ramp, Bill.com and banks.
• Multi-entity through an integration.

How do receipts reach Puzzle?

Through the card platform. Teams on Brex or Ramp get receipts matched there carried across with the transaction. Bank-issued cards connected through Plaid deliver the transaction on its own.

Where does that leave work?

• Receipts for bank-issued cards.
• Mixed purchases that need splitting.
• Reimbursements, which Puzzle expects from a spend platform.

When is a separate tool worth it?

When you keep your bank's cards and still want every charge receipted and coded. 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. 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.

What changes for the accountant?

Fewer items land in the review pile, because charges arrive with a receipt and a category chosen from what was bought. Month-end questions to the founder about a marketplace order or a dinner are answered by the receipt already attached. For diligence, every card charge has backup.

How Vergo works alongside Puzzle

Puzzle stays your books. 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. 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.