Expense management that works with Adagio

Key takeaways

• Vergo reads your Adagio chart of accounts and codes expenses to the right account, department and class by inference, not rules.
• You keep the cards you already use — corporate cards, fuel cards or personal cards for reimbursement — with no re-issuing or banking change.
• Card spend, employee reimbursements and AP invoices flow through one coding model and sync to Adagio the same way.
• Transactions are ready to code the moment they happen and sync into Adagio once they clear.

How Adagio and Vergo work together

Vergo reads your chart of accounts from Adagio and codes every expense to the right account, department and class, so entries arrive in Adagio coded and ready to post. Transactions are ready to code the moment they happen — no waiting for clearing — and once they clear, they sync into your accounting software. Because Adagio is run by small and mid-sized businesses across industries, the expense layer should adapt to it, not the other way round. Vergo treats Adagio as the source of truth for your accounting structure and builds coding from there.

Do you have to change cards?

No. Vergo does not issue cards and never asks you to switch. It connects to the cards your business already holds — corporate cards, fuel cards, personal cards used for reimbursement — and connecting your existing cards involves no card applications, no re-issuing and no banking change. This card-agnostic approach means your existing banking relationships, credit lines and reward programs stay exactly as they are. The platform layers expense coding and approval on top of whatever payment rails you already use, whether that's company-issued Visa cards, employee personal cards awaiting reimbursement, or vendor invoices paid by check or ACH.

What AI-native means in practice

Rules engines match text patterns; when a transaction does not match, a person codes it by hand. AI-native means the system 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. This matters most in the first weeks: a rules engine needs transactions from dozens of vendors before it can code reliably, while inference works from day one by learning the structure of your existing books.

A practical example

A contractor buys safety equipment from a new supplier the finance team has never seen. A rules-based system flags it as unmatched and waits for someone to code it manually. Vergo infers the GL account, department and class from how similar purchases were coded in the past, shows the reasoning behind that inference, and presents it for one-click confirmation. The transaction syncs to Adagio fully coded. The next purchase from that supplier is already learned, and the vendor never needs manual setup. The same logic applies whether the transaction comes from a corporate card, a reimbursement claim or an AP invoice.

Do reimbursements and AP invoices work with Adagio too?

Yes — the same coding model handles card spend, employee reimbursements and AP invoices, and all three sync to Adagio the same way. Most tools treat these as separate products with separate coding setups; the same vendor coded two different ways is a reconciliation problem you inherit. One coding model means one review process, one sync to Adagio, and one reconciliation at month-end. For invoices, Vergo captures, codes and approves them, but payment itself stays on the rails you already use — checks, ACH or wire — so your existing AP workflow and bank controls remain unchanged.

How Vergo handles this

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. 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. Transactions are ready to code the moment they happen and sync into Adagio once they clear. Connecting your existing cards involves no card applications, no re-issuing and no banking change. Approval workflows are optional and fit how you already control spend: route by GL account or by amount, or skip approval flows entirely and let policy flags catch only what breaks a rule.

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