MoneyWorks AP and expense features: what's included and what you'll need to add

MoneyWorks includes bank feeds; it covers credit card feeds, AP automation, receipt capture and approval workflows only in part. Its public documentation does not confirm expense claim approvals, so confirm those with Cognito Software. Common add-ons to budget for: expense management with card feeds and receipt capture, approval workflow tooling and bank feeds outside Australia and New Zealand. Vergo adds any-card expense management coded to your MoneyWorks structure.

October 1, 2026

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Key takeaways

Built in: bank feeds.
Partly covered: credit card feeds, AP automation, receipt capture and approval workflows.
Not publicly documented: expense claim approvals. Confirm with Cognito Software.
Vergo works with any card from any bank and posts coded spend into MoneyWorks.

Where should you go next?

MoneyWorks AP and expense capabilities at a glance

Capability	In MoneyWorks?	What the documentation shows
Bank feeds	Yes	Bank statement files (QIF, OFX, QBO, QFX, CSV, tab) can be imported with auto-allocation rules in all regions.
Credit card feeds	Partly	A credit card can be set up as a 'Credit Card' type bank account (or as a creditor), so card spend is recorded like bank transactions. However, the docs do not say whether card accounts can connect to Bank Feeds; card statement files would go through the standard bank statement import.
AP automation (invoice capture and processing)	Partly	The optional Invoice/Order Automation service lets you email supplier PDF invoices to a designated address and have them scraped into the Purchase Invoice list with the PDF attached.
Receipt capture and mobile expenses	Partly	Cognito offers a free FileMaker Go example app, not a supported product, that records expense claims with a photo of the receipt. However, there is no dedicated MoneyWorks expense app.
Expense claim approvals	Not publicly documented	Not in MoneyWorks's public documentation; confirm with Cognito Software.
Approval workflows (invoices, POs, payments)	Partly	MoneyWorks Gold and Datacentre support custom purchase order approval built with validations, mwScript scripts and custom forms, so approval has to be configured rather than switched on. However, the standard user privileges have no approve or authorise privilege, only entry and processing rights.

What to budget for

Credit card feeds (partly): expense management with card feeds and receipt capture.
AP automation (invoice capture and processing) (partly): see the detail above.
Receipt capture and mobile expenses (partly): expense management with card feeds and receipt capture.
Expense claim approvals (not publicly documented): confirm with Cognito Software before you rely on it.
Approval workflows (invoices, POs, payments) (partly): approval workflow tooling.

Add-ons MoneyWorks teams commonly consider

Expense management with card feeds and receipt capture
Approval workflow tooling
Bank feeds outside Australia and New Zealand

Where Vergo fits with MoneyWorks

Vergo integrates with MoneyWorks and posts coded card spend into it; for MoneyWorks, the live integration covers expense management. It works with any card from any bank — connecting your existing cards involves no card applications, no re-issuing and no banking change. Employees send receipts by text or from their phone, and Vergo chases missing receipts itself instead of waiting for a report. 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. The proposal covers the GL code and department suffix, and every coding shows why it was chosen, so a reviewer confirms in seconds instead of re-coding by hand. 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.

About MoneyWorks

Typical users: Small to medium businesses, largely in New Zealand and Australia, on Mac or Windows. Deployment: cloud and on-prem (desktop Mac/Windows editions, MoneyWorks Datacentre server, and MoneyWorks Now cloud). Status: Current product (version 9).

Frequently Asked Questions

Which MoneyWorks capabilities need an add-on?

Per Cognito Software's documentation, credit card feeds, AP automation, receipt capture and approval workflows are partial or missing, and expense claim approvals are not publicly documented.

Does Vergo replace MoneyWorks?

No. MoneyWorks stays your ledger. Vergo integrates with MoneyWorks and posts coded entries into it.

Do we need new cards?

No. Vergo works with any card from any bank; connecting your existing cards involves no card applications, no re-issuing and no banking change.

How current is this?

Each answer was checked against Cognito Software's public documentation on September 30, 2026.

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Expense & invoice automation for your ERP

Book Demo

MoneyWorks AP and expense features: what's included and what you'll need to add

Key takeaways

Where should you go next?

MoneyWorks AP and expense capabilities at a glance

What to budget for

Add-ons MoneyWorks teams commonly consider

Where Vergo fits with MoneyWorks

About MoneyWorks

Frequently Asked Questions

Which MoneyWorks capabilities need an add-on?

Does Vergo replace MoneyWorks?

Do we need new cards?

How current is this?

Expense & invoice automation for your ERP

Platform

Company

Resources

MoneyWorks AP and expense features: what's included and what you'll need to add

Key takeaways

Where should you go next?

MoneyWorks AP and expense capabilities at a glance

What to budget for

Add-ons MoneyWorks teams commonly consider

Where Vergo fits with MoneyWorks

About MoneyWorks

Frequently Asked Questions

Which MoneyWorks capabilities need an add-on?

Does Vergo replace MoneyWorks?

Do we need new cards?

How current is this?

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