Key takeaways
- Yes: Xero Expenses handles employee expense and mileage claims, listed on the Established plan in the US.
- Smart Document Capture, for reading receipts and bills, is on every plan.
- Company card transactions come in through credit card feeds and are reconciled with rules and suggestions.
- Vergo codes card spend by inference to your accounts and tracking categories and collects receipts by text.
Where should you go next?
What does Xero Expenses include?
- Receipt capture: snap a photo of the receipt in the app.
- Mileage: Xero Me gives you the distance travelled.
- Approvals: approve or reject a claim with a single click.
- Payment: an approved claim becomes a bill to pay the employee.
- Coding: tracking categories, and a project or customer, on each claim.
How does company card spend get into Xero?
Through credit card feeds, which bring transactions into the card account daily. Each line is then reconciled: matched to an existing transaction, coded by a bank rule, or coded by hand. Receipts can be sent to Smart Document Capture, but matching a receipt to a card line is still a step someone takes.
Where does the built-in option leave work for finance?
- Card spend is not a claim. Xero Expenses is for money employees are owed; company card spend is reconciled separately.
- Payee rules cannot tell two purchases from the same store apart.
- Receipt chasing happens by email and reminder.
- Plan level: claims need Established.
When is a separate tool worth it?
When card spend, not reimbursements, is most of your volume, or when reconciliation eats the first week of every month. 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 directly through Xero's public API, reads your accounts and tracking categories, and records each coded card transaction as a bank transaction on the card account with the receipt attached.
How Vergo works alongside Xero
Xero Expenses can keep handling claims while Vergo takes card spend. 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.
Frequently Asked Questions
Which Xero plan includes Xero Expenses?
Xero lists employee expense and mileage claims on the Established plan in the US.
Does Xero Expenses handle company cards?
Xero Expenses is built around employee claims. Company card spend comes through credit card feeds and is reconciled in the card account.
Can Vergo work on Xero Early or Growing?
Yes. Vergo connects through Xero's public API on any plan.
Does Vergo code tracking categories?
Yes. Vergo proposes a value for each active tracking category.
Do we need to change cards?
No. Connecting your existing cards involves no card applications, no re-issuing and no banking change.
