Fyle
by Fyle (Sage) · Expense Management
Card-agnostic expense management with real-time receipt tracking.
Updated August 2026 · By the ERP Research Editorial Team · Independent and vendor-neutral.
- Works with
NetSuite
Sage IntacctQuickBooksXero- Deployment
- Cloud
- Company size
- SMB, Mid-market
- Pricing
- Subscription
- Founded
- 2016
- Headquarters
- Newark, Delaware, USA
Overview
Fyle is a card-agnostic expense management platform founded in 2016 that lets businesses keep their existing credit card programs while automating expense capture and reconciliation. In July 2025, Fyle was acquired by Sage and is now also offered as Sage Expense Management.
Fyle's distinctive capability is real-time credit card feeds: through direct integrations with the Visa, Mastercard and American Express networks, it captures and notifies on card transactions the moment a card is swiped, then prompts the cardholder to submit a receipt (including via text message). This enables real-time reconciliation without requiring companies to switch to a proprietary card.
The platform covers receipt submission, expense tracking, policy compliance, approvals and reimbursement, and offers in-app expense submission through Slack, Teams, Gmail and text. It integrates natively with accounting and ERP systems including QuickBooks, Xero, NetSuite and Sage Intacct, targeting small and mid-sized businesses.
Screenshots & demo
Demo video from the vendor's YouTube channel. Screenshots sourced from Fyle (Sage).
Modules & capabilities
Fyle covers 14 of 47 capabilities we track in this category
30%- Receipt OCR captureReceipt OCR captureCore strength
- Mobile app receipt captureNot evidenced
- Email-forwarded receipt captureNot evidenced
- Multi-currency expense captureNot evidenced
- Receipt itemizationNot evidenced
- Duplicate expense detectionNot evidenced
- Mileage tracking and reimbursementMileage and per diem trackingSupported
- Per diem automationMileage and per diem trackingSupported
“Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo.
Common use cases
- Businesses keeping existing card programs while automating expenses
- Real-time reconciliation of credit card spend
- Prompting employees for receipts at the moment of spend via text
- Submitting expenses directly from Slack, Teams or email
- Posting coded expenses into QuickBooks, NetSuite or Sage Intacct
- Enforcing expense policy and catching duplicates
- SMBs wanting modern UX without switching banks
Strengths & considerations
Strengths
- Card-agnostic with direct Visa/Mastercard/Amex network feeds
- Real-time transaction capture and receipt requests on swipe
- In-app expense submission via Slack, Teams, Gmail and text
- Now part of Sage as Sage Expense Management
Considerations
- Primarily oriented to SMB and mid-market rather than large enterprise
- Does not issue its own corporate card (relies on existing cards)
ERP integrations
Two-way integration: approved expenses sync to NetSuite, accounts/categories import back.
Two-way Sage Intacct sync; offered as Sage Expense Management following Sage's 2025 acquisition of Fyle.
Two-way QuickBooks Online and Desktop sync.
Connector details independently verified against vendor marketplaces and documentation; last checked 2026-08-11.
Pricing
Priced per active user per month across Standard/Business/Enterprise tiers; cost driven by user count and feature tier. Get an independent shortlist with pricing guidance below.
Technical & security
- Hosting
- SaaS (multi-tenant)
- Compliance
- SOC 2, ISO 27001
- Mobile app
- Yes
- Languages
- English
About the vendor
- Founded
- 2016
- Headquarters
- Newark, Delaware, USA
- Ownership
- Private
Alternatives to Fyle in Expense Management
Fyle — frequently asked questions
What does card-agnostic mean for Fyle?
Fyle works with your existing Visa, Mastercard or Amex business cards rather than requiring you to adopt a proprietary card, using direct network feeds for real-time data.
How does real-time tracking work?
Fyle integrates with the card networks to capture transactions the moment a card is swiped and then texts the cardholder to submit a receipt for instant reconciliation.
Is Fyle owned by Sage now?
Yes. Sage acquired Fyle in July 2025, and it is offered as Sage Expense Management.
Can employees submit expenses from chat tools?
Yes. Fyle supports expense submission via Slack, Microsoft Teams, Gmail/Outlook and text message.
Evaluating Expense Management?
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