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

Puzzle includes bank feeds and credit card feeds; it covers AP automation and receipt capture only in part; it has no expense claim approvals. Its public documentation does not confirm approval workflows, so confirm those with Puzzle Financial, Inc. Common add-ons to budget for: card and spend management platform (bills, reimbursements, receipts synced in), AP automation / bill pay and expense management app. Vergo adds any-card expense management coded to your Puzzle structure.

October 1, 2026

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Key takeaways

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

Where should you go next?

Puzzle AP and expense capabilities at a glance

Capability	In Puzzle?	What the documentation shows
Bank feeds	Yes	Transactions are pulled automatically over direct APIs: direct integrations with Brex, Mercury and Meow plus 12,000+ other banks and cards via Plaid, synced once a day overnight.
Credit card feeds	Yes	Credit cards connect through the same Plaid feed (12,000+ banks and cards), and Brex and Ramp card transactions sync directly with category, class, custom field and receipt data.
AP automation (invoice capture and processing)	Partly	Puzzle has a Bills tab: bills are entered manually, imported by CSV template or synced from Ramp, Brex or Bill.com, and payments are matched to bills with AP aging reports. However, the help docs describe no invoice OCR/AP inbox or approval step, and say direct bill payment is not supported, pointing users to Ramp or Bill.com.
Receipt capture and mobile expenses	Partly	Supporting documents can be uploaded to a transaction or bill in the web app, and receipts attached in Brex or Ramp sync into Puzzle. However, no native mobile receipt app or receipt OCR is documented in the help center.
Expense claim approvals	No	No native expense report or approval workflow is described.
Approval workflows (invoices, POs, payments)	Not publicly documented	Not in Puzzle's public documentation; confirm with Puzzle Financial, Inc.

What to budget for

AP automation (invoice capture and processing) (partly): card and spend management platform (bills, reimbursements, receipts synced in) and AP automation / bill pay.
Receipt capture and mobile expenses (partly): card and spend management platform (bills, reimbursements, receipts synced in) and expense management app.
Expense claim approvals (no): card and spend management platform (bills, reimbursements, receipts synced in) and expense management app.
Approval workflows (invoices, POs, payments) (not publicly documented): confirm with Puzzle Financial, Inc before you rely on it.

Add-ons Puzzle teams commonly consider

Card and spend management platform (bills, reimbursements, receipts synced in)
AP automation / bill pay
Expense management app

Where Vergo fits with Puzzle

Vergo integrates with Puzzle and posts coded card spend into it; for Puzzle, 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 category, class and department, 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 Puzzle

Typical users: Startups, small businesses and accounting firms wanting AI-automated bookkeeping with live bank, card and fintech integrations. Deployment: cloud.

Frequently Asked Questions

Which Puzzle capabilities need an add-on?

Per Puzzle Financial, Inc's documentation, AP automation, receipt capture and expense claim approvals are partial or missing, and approval workflows are not publicly documented.

Does Vergo replace Puzzle?

No. Puzzle stays your ledger. Vergo integrates with Puzzle 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 Puzzle Financial, Inc's public documentation on September 30, 2026.

Get Started

Expense & invoice automation for your ERP

Book Demo

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

Key takeaways

Where should you go next?

Puzzle AP and expense capabilities at a glance

What to budget for

Add-ons Puzzle teams commonly consider

Where Vergo fits with Puzzle

About Puzzle

Frequently Asked Questions

Which Puzzle capabilities need an add-on?

Does Vergo replace Puzzle?

Do we need new cards?

How current is this?

Expense & invoice automation for your ERP

Platform

Company

Resources

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

Key takeaways

Where should you go next?

Puzzle AP and expense capabilities at a glance

What to budget for

Add-ons Puzzle teams commonly consider

Where Vergo fits with Puzzle

About Puzzle

Frequently Asked Questions

Which Puzzle capabilities need an add-on?

Does Vergo replace Puzzle?

Do we need new cards?

How current is this?

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