Fyle
Real-time expense management on your existing credit cards
By Fyle · 4.6/5 verified-buyer score
Positioning guardrails
Best for
- Finance teams that want real-time visibility on the corporate cards they already use
- Mid-market companies that want faster closes via two-way ERP sync
- Field, sales and project staff who will submit receipts by text instead of learning an app
- Controllers drowning in manual receipt chasing and spreadsheet reconciliation
Ideal size: 50–500 employees people · Mid-market finance team with corporate cards and an ERP
Not for
- Companies looking for a corporate card issuer or card programme
- Teams smaller than the 5-user minimum billing
- Buyers who need every enterprise feature (SSO, premium support) at the headline price
- Organisations wanting a fixed seat price independent of monthly activity
Value metrics scorecard
Time-to-Value
2–4 weeks
~21 days to first production value
Total Cost of Ownership
$15,000/yr
Starts at $719 · Per active user, billed annually; you are charged only for users who create at least one expense or have card activity that month
Implementation Friction
2/5
Engineering + admin effort required
Buyer Score
out of 5 · verified buyers
Full cost breakdown
Mandatory implementation fee
None
Seat tiers
Growth: 5-user minimum at $11.99/active user/month (annual); Business: 10-user minimum at $14.99; Enterprise: custom, aimed at 250+ employees
Add-on costs
- One-time implementation fee for a dedicated account manager; extra fees for setting up certain accounting integrations
- Optional premium live-chat support on the Growth plan (additional fee)
- SSO available at additional cost on Business; included on Enterprise
- QuickBooks Desktop and Sage 300 CRE integrations billed at extra cost
Company & support
Who is behind Fyle, and how your team gets help once it is live.
Company
- Founded
- Not recorded
- Headquarters
- Not recorded
How you get support
- PhoneNot listed
- EmailPaid plans
- Live chatPaid plans
- Support portal / ticketsNot listed
- Community forumNot listed
- Help centre / docsPaid plans
- Dedicated account managerPlan not stated
- In person / on-siteNot listed
- Hours
- Business hours
- Response time
- Under 30 minutes first response (Business plan)
Pricing page lists basic email and knowledge-base support on Growth, with premium live chat during business hours and email on Business plus a named account manager. Homepage advertises 24/7 live chat and email for Business plan users; Enterprise adds a dedicated account manager.
“Not listed” means the vendor’s public pages don’t mention that channel, not that it is unavailable. Ask about it during evaluation.
Market position
Where Fyle sits against its closest alternatives. Pick any two of cost, speed, friction and buyer score, and up to 9 companies to compare.
Quadrant view
Typical annual cost × Time-to-value
The lines cross at the median of the solutions shown, so about half sit on each side of each line. A dashed ring marks an outlier pinned to the edge; hover for its value.
Companies on the chart 6 / 10
- Fyle
- Employment Hero
- PracticePanther
- Payhawk
- Rocket Matter
- Contractor Foreman
Add or change companies
Up to 10 companies including Fyle. Listed closest first.
Stack fit signal
Compatibility with standard B2B ecosystems.
No supported MCP path today, so it cannot be driven from an AI client.
AI & MCP readiness
What Fyle ships in AI, and what it asks of your ecosystem.
AI features shipped
The pricing page lists an AI Copilot for spend insights, expense breakdowns and support queries. Receipt OCR extracts merchant, date, amount and category, and an AI engine matches receipts to card transactions. No model-key arrangement or AI audit/export detail is published.
In your ecosystem
- AI connection
- Not supported
- Model key
- Not recorded
- AI usage audit
- Not recorded
Compliance attestations
* IAPP AIGP certifies individuals, not products. It means named staff hold the credential — not that the platform does.
Bottom line
Sage Expense Management (formerly Fyle) turns existing corporate cards into real-time expense data. Cardholders get a text when they swipe, reply with a receipt photo, and OCR plus matching engines code and reconcile the expense before it syncs two-way to QuickBooks, Xero or Sage Intacct. Pricing is per active user from $11.99/month on annual billing with a 5-user minimum, and implementation typically runs 2–4 weeks. Vendor pages claim SOC 2 Type 1/2, GDPR and PCI DSS.
Frequently asked questions
What will this cost for a 100-person company?
List pricing is per active user: roughly $11.99/user/month on Growth and $14.99 on Business when billed annually, with minimums of 5 and 10 users respectively. A 100-person mid-market account would typically land near $15,000 per year, but you are only billed for people who create at least one expense or have card activity in a given month, and a one-time implementation or integration fee may apply.
How long does implementation take?
The vendor states implementation typically takes 2 to 4 weeks, covering system setup, ERP integration and customised user training depending on complexity. Elsewhere the site says most businesses are fully set up and their teams trained in under 30 days after a kickoff call with a dedicated account manager.
Do we have to replace our corporate cards?
No. The product is built around the cards you already use — Visa, Mastercard and American Express — plus personal cards and statement uploads. Employees receive a text the moment a card is swiped and reply with a receipt photo, which is the main adoption hook.
Which accounting systems does it integrate with?
Two-way integrations include QuickBooks Online, Xero and Sage Intacct, with QuickBooks Desktop and Sage 300 CRE available at additional cost and Sage 50 in beta. The Business plan adds a public API and direct or third-party integrations with accounting, travel, HRMS and payroll software.
Is our expense data secure and compliant?
The vendor's own pages state SOC 2 Type 1 and Type 2, GDPR and PCI DSS compliance, with RBAC, audit history and trusted IP restrictions listed as platform controls. SSO (including AD and Okta) is generally an additional-cost or Enterprise-tier option, so verify the specific certifications and controls you need in the trust documentation.
What support is included, and on which plan?
Growth includes basic email and knowledge-base support, with premium live chat as a paid option. Business adds business-hours live chat, email support and a named account manager; the homepage also advertises 24/7 live chat and email for Business plan users. Enterprise adds a dedicated account manager, half-yearly business reviews and an advisory group.