What are the best expense management add-ons for Puzzle?

For Puzzle users on bank-issued cards, Vergo is the top expense add-on: it texts cardholders for receipts, proposes category, class and department from your own Puzzle history and posts entries through Puzzle's API, without a card change. Brex and Ramp integrate with Puzzle but require their own cards; BILL is also listed.

September 29, 2026
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Key takeaways

  • Puzzle expects receipts to come from a spend tool.
  • Vergo is first when you keep your bank's cards.
  • Brex and Ramp have Puzzle integrations that carry receipts and mapped fields.
  • Puzzle lists Bill.com under expense management.

Where should you go next?

Which expense management add-ons work best with Puzzle?

  1. Vergo: receipts by text on any card; category, class and department suggested; entries posted through the API.
  2. Brex: receipt references and custom fields travel into Puzzle, on Brex cards.
  3. Ramp: card transactions, reimbursements and bill pay flow into Puzzle, on Ramp cards.
  4. BILL: payables, listed by Puzzle under expense management.
OptionCardsHow coding is proposedRoute into Puzzle
VergoThe cards you already haveInference from your own Puzzle structure and history, with the reason shownTransactions and journal entries posted through the public API; reimbursement bills prepared for it
BrexBrex Mastercard corporate cardsAI expense management built into the cardPuzzle lists a Brex integration
RampRamp Visa corporate cardAuto-coding trained on customer transaction patternsPuzzle lists a Ramp integration
BILLBILL's own corporate cardBILL AI auto-categorisationPuzzle lists Bill.com under expense management

What should a Puzzle add-on do?

  • Deliver receipts with every charge.
  • Code classes and departments if you use them.
  • Reduce review items, not add a second inbox.

Keep your bank, or switch cards?

Startups often open a Brex or Ramp account early. Others keep cards at the bank that holds their venture debt or deposits. For them, a card-agnostic add-on gets receipts and coding without moving money. 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.

How does Vergo connect to Puzzle?

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. Coding is proposed as the charge happens, ahead of the bank sync.

Frequently Asked Questions

Is Vergo on Puzzle's integration list?

Vergo connects through Puzzle's public API as its own service.

Can Vergo work with a fractional accountant?

Yes. Reviewers see each proposal and the reason, and confirm.

Do we need new cards?

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

Does Vergo handle bills?

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.

Where are the details?

On the Puzzle integration page.

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