Trusted by 12,000+ individuals and businesses

Stop chasing receipts.
Start growing your business.

The expense management platform built for entrepreneurs, startups, and small teams who are tired of spreadsheets and manual tracking.

Get a free demo

Laughing woman with long curly hair, holding a notebook.

Pending expense approvals list with costs and options to approve or reject.

Painting of houses, trees, and fields in a rural landscape.

Dashboard showing Sarah's expenses, budget status, and recent transactions.

Joined by the world's fastest-growing teams

$0.0k

avg tax savings

satisfaction

0hrs

saved per month

0k+

active businesses

$0.0k

avg tax savings

satisfaction

0hrs

saved per month

0k+

active businesses

Feature

Everything you need.
Nothing you don't.

Built for speed, designed for simplicity. Every feature earns its place.

Watercolor painting of a cloudy mountain landscape.

AI Receipt Capture

Snap a photo, forward an email, or upload a PDF. AI extracts vendor, amount, date, and category in under 3 seconds with 99% accuracy.

Digital receipt processed by AI for Amazon Web Services, $842.00.

AI Receipt Capture

Snap a photo, forward an email, or upload a PDF. AI extracts vendor, amount, date, and category in under 3 seconds with 99% accuracy.

Tax Compliance

Automatic categorization for tax deductions. Export reports with one click.

Tax deductible amount of $8,420, auto-categorized and ready.

Tax report for 2026 with $8,420 total deductible expenses.

Smart Approvals

Rules auto-approve below thresholds. Only review what actually needs your attention.

Alex Martinez expense for $156 for client dinner with Approve/Deny buttons.

Real-time Analytics

Live burn rate, budget vs. actual, category breakdowns updated every minute.

Watercolor landscape: calm lake reflecting mountains under a pale sky.

Analytics dashboard widget showing Budget Velocity metrics of $245 per hour with spending rate bar charts

Hourly spending rate chart with 3PM peak activity and category velocities.

How it works

Three steps to go from messy receipts to clean books.

From receipt scanning to tax-ready reports, PayFlow handles the busy work so you can focus on growing your business.

Capture

Approve

Sync

Just forward the receipt. Done.

Forward receipts to receipts@payflow.io, snap a photo in the app, or connect your card. AI reads everything - vendor, amount, date, category - in under 3 seconds.

Just forward the receipt. Done.

Forward receipts to receipts@payflow.io, snap a photo in the app, or connect your card. AI reads everything - vendor, amount, date, category - in under 3 seconds.

Just forward the receipt. Done.

Forward receipts to receipts@payflow.io, snap a photo in the app, or connect your card. AI reads everything - vendor, amount, date, category - in under 3 seconds.

Scenic view of a lush green hillside meadow with a herd of cows grazing under the warm sunlight.

A digital user interface snippet displaying an email forwarding view of an Uber receipt for 28.50 dollars being sent to receipts@payflow.io.

Approve in seconds. Or let rules decide.

Get push notifications the moment an expense needs approval. Review details, approve or deny with one tap. Auto-approve expenses under your threshold.

Approve in seconds. Or let rules decide.

Get push notifications the moment an expense needs approval. Review details, approve or deny with one tap. Auto-approve expenses under your threshold.

Approve in seconds. Or let rules decide.

Get push notifications the moment an expense needs approval. Review details, approve or deny with one tap. Auto-approve expenses under your threshold.

Expense approval request for Michael Ross's $520 flight.

Mike Johnson, auto-approved under $100, for $42.

Everything syncs. Automatically.

Data flows directly into QuickBooks, Xero, or NetSuite in real-time. Export tax reports with one click. Your books stay up-to-date, always.

Everything syncs. Automatically.

Data flows directly into QuickBooks, Xero, or NetSuite in real-time. Export tax reports with one click. Your books stay up-to-date, always.

Everything syncs. Automatically.

Data flows directly into QuickBooks, Xero, or NetSuite in real-time. Export tax reports with one click. Your books stay up-to-date, always.

Watercolor painting of a rolling green landscape with purple heather, cows, and hills.

Highlighted Steem app icon in an iOS app dock.

Integrations

Works with the tools
you already use.

Connect Payflow to the tools you already use — expenses sync automatically, your books stay accurate, and nothing falls through the cracks.

Built for every stage

Grows with you, from day one to scale.

Whether you're a solo founder getting organized, a scaling team tightening controls, or an enterprise closing the books at speed — Payflow fits.

Solo & Freelance

Growth Stage

Enterprise

1/3

Solo & Freelance

Your finances, finally organized

Track every deduction. Close the year in minutes, not weeks.

A smiling woman wearing glasses and a denim jacket working on a silver laptop while sitting on a comfortable black leather seat.

"As a solo consultant, tax season used to be a nightmare. Payflow's automatic categorization saved me 20+ hours this year. Worth every penny."

Tom Reyes - Founder

Solo & Freelance

Growth Stage

Enterprise

Solo & Freelance

Your finances, finally organized

Track every deduction. Close the year in minutes, not weeks.

"As a solo consultant, tax season used to be a nightmare. Payflow's automatic categorization saved me 20+ hours this year. Worth every penny."

Tom Reyes - Founder

Testimonials

Some love from
our customers

Trusted by 12,000+ businesses worldwide

"I evaluated six expense tools over two weeks. PayFlow was the only one that didn't feel like it was designed in 2012. Clean interface, fast, and the AI tagging is genuinely impressive — I've maybe corrected it twice in three months."
James Gutierrez
COO, Forma Health
"I evaluated six expense tools over two weeks. PayFlow was the only one that didn't feel like it was designed in 2012. Clean interface, fast, and the AI tagging is genuinely impressive — I've maybe corrected it twice in three months."
Pedro Gutierrez
COO, Forma Health
"The approval workflows changed everything. I set a $500 auto-approve rule and now only review what actually needs my attention."
Anika Patel
CEO, Foundry Studio
"My team used to dread submitting expenses. Now they don't think about it — snap and move on. Adoption was immediate and I didn't have to chase a single person."
Sofia Reyes
Head of Ops, Stackly

"The approval workflows changed everything for me. I set a $500 auto-approve rule and now only see what actually needs my attention — maybe 3 or 4 items a week."
Alex Patel
CEO, Foundry Studio
"As a solo founder doing everything manually, the free tier alone saved me 6 hours a month. I upgraded after two weeks."
Tom Nakamura
Founder, Pulse Analytics
"As a solo consultant, tax season used to be a nightmare. PayFlow's automatic categorization saved me 20+ hours this year. Worth every penny."
Lisa Liu
CFO, Meridian Labs
"We cut our month-end close from 3 days to under 4 hours. The AI categorization is worth every penny on its own — I've tested it across five different currencies and it just works."
Yuki Sato
Finance Lead, Orbit
"Honestly surprised it's this affordable. We benchmarked it against Ramp and the feature gap doesn't justify the price difference at all."
James Liu
CFO, Meridian Labs

Customer Stories

Real results from
real customers

From solo founders to enterprise finance teams,
here's what the people who use Payflow every day have to say.

View all stories

Aerial view of a residential neighborhood representing Crimson's real estate portfolio

A month-end close that used to take 3 days, now done in 4 hours

72 hrs

saved per month on reconciliation

James Liu

CFO, Camera

"We cut our month-end close from 3 days to 4 hours. The AI categorization alone is worth every penny—it's remarkably accurate."

A month-end close that used to take 3 days, now done in 4 hours

72 hrs

saved per month on reconciliation

James Liu

CFO, Camera

"We cut our month-end close from 3 days to 4 hours. The AI categorization alone is worth every penny—it's remarkably accurate."

A month-end close that used to take 3 days, now done in 4 hours

72 hrs

saved per month on reconciliation

James Liu

CFO, Camera

"We cut our month-end close from 3 days to 4 hours. The AI categorization alone is worth every penny—it's remarkably accurate."

A serene watercolor painting of a grassy meadow and lush green trees under a soft cloudy sky, serving as a background for Startup's testimonial.

An expense tool the whole team actually wants to use

20+ hrs

saved during tax season

Tom Reyes

Founder, Startup

"As a solo consultant, tax season used to be a nightmare. Payflow's automatic categorization saved me 20+ hours this year. Worth every penny."

An expense tool the whole team actually wants to use

20+ hrs

saved during tax season

Tom Reyes

Founder, Startup

"As a solo consultant, tax season used to be a nightmare. Payflow's automatic categorization saved me 20+ hours this year. Worth every penny."

An expense tool the whole team actually wants to use

20+ hrs

saved during tax season

Tom Reyes

Founder, Startup

"As a solo consultant, tax season used to be a nightmare. Payflow's automatic categorization saved me 20+ hours this year. Worth every penny."

A serene watercolor painting of a grassy lake shoreline with rocks, serving as the testimonial background for Sarah Chen, Head of Finance at Techlify.

An approval process that got 80% faster without anyone noticing

80%

faster approval turnaround

Sarah Chen

Head of Finance, Techlify

"We went from a chaotic email approval chain to a system that just works. My team submits expenses in seconds and I only review what actually needs my attention."

An approval process that got 80% faster without anyone noticing

80%

faster approval turnaround

Sarah Chen

Head of Finance, Techlify

"We went from a chaotic email approval chain to a system that just works. My team submits expenses in seconds and I only review what actually needs my attention."

An approval process that got 80% faster without anyone noticing

80%

faster approval turnaround

Sarah Chen

Head of Finance, Techlify

"We went from a chaotic email approval chain to a system that just works. My team submits expenses in seconds and I only review what actually needs my attention."

A scenic watercolor landscape painting of rolling mountains and valleys, serving as the background for Sofia Reyes's testimonial.

An expense tool the whole team actually wants to use

100%

team adoption rate within first week

Sofia Reyes

Head of Ops, Architect

"My team used to dread submitting expenses. Now they don't think about it—snap and move on. Adoption was immediate."

An expense tool the whole team actually wants to use

100%

team adoption rate within first week

Sofia Reyes

Head of Ops, Architect

"My team used to dread submitting expenses. Now they don't think about it—snap and move on. Adoption was immediate."

An expense tool the whole team actually wants to use

100%

team adoption rate within first week

Sofia Reyes

Head of Ops, Architect

"My team used to dread submitting expenses. Now they don't think about it—snap and move on. Adoption was immediate."

Pricing

Simple, transparent pricing

No hidden fees. No surprises. Cancel anytime.

Monthly

Annual

Save 20%

Starter

$15

per user / month

Get started free

WHAT'S INCLUDED

Up to 5 team members

AI receipt capture

Mobile apps (iOS & Android)

QuickBooks/Xero sync

Email support

Basic reporting

A peaceful watercolor painting of misty hills and green pine trees under a cloudy sky, representing organic business growth.

Professional

Enterprise

Custom

Talk to sales

WHAT'S INCLUDED

Dedicated account manager

Custom integrations

SSO & SAML support

Advanced security controls

Custom approval chains

API access

SLA guarantees

Onboarding & training

Monthly

Annual

Save 20%

Starter

$15

per user / month

Get started free

WHAT'S INCLUDED

Up to 5 team members

AI receipt capture

Mobile apps (iOS & Android)

QuickBooks/Xero sync

Email support

Basic reporting

Professional

Enterprise

Custom

Talk to sales

WHAT'S INCLUDED

Dedicated account manager

Custom integrations

SSO & SAML support

Advanced security controls

Custom approval chains

API access

SLA guarantees

Onboarding & training

Security

Certified secure,
compliant by design

Independently audited to SOC 2 Type II, ISO 27001, and GDPR — with encryption, granular access controls, and continuous monitoring built into every layer of Payflow.

SOC 2 Type II

Independently audited controls for security, availability, and confidentiality.

99.9% Uptime SLA

Enterprise-grade reliability, backed by a 99.9% uptime service agreement.

ISO 27001

Information security managed to the recognized ISO/IEC 27001 standard, yearly.

GDPR Compliant

Privacy by design and full GDPR protection — your data always stays yours.

PCI DSS compliant
AES-256 encryption
SSO & SAML
Role-based access
CCPA compliant

FAQs

Have questions?
Find answers.

Is there a free trial?

Yes — every Professional plan comes with a 14-day free trial, no credit card required. You get full access to every feature so you can see exactly what Payflow delivers before you commit. After the trial, plans start at $16 per user per month.

How accurate is the AI receipt scanning?

How long does setup actually take?

Can I switch from Expensify or Ramp?

What accounting tools does PayFlow connect to?

Is my financial data secure?

What happens when I hit the free plan limit?

Do you offer support for Enterprise customers?

Ready to take
back your time?

Get a free demo

Stop chasing receipts. Start growing your business.

Everything you need. Nothing you don't.

AI Receipt Capture

AI Receipt Capture

Tax Compliance

Smart Approvals

Real-time Analytics

Three steps to go from messy receipts to clean books.

Three steps to go from messy receipts to clean books.

Just forward the receipt. Done.

Just forward the receipt. Done.

Just forward the receipt. Done.

Approve in seconds. Or let rules decide.

Approve in seconds. Or let rules decide.

Approve in seconds. Or let rules decide.

Everything syncs. Automatically.

Everything syncs. Automatically.

Everything syncs. Automatically.

Works with the tools you already use.

Grows with you, from day one to scale.

Grows with you, from day one to scale.

Your finances, finally organized

Your finances, finally organized

Some love fromour customers

Real results fromreal customers

A month-end close that used to take 3 days, now done in 4 hours

A month-end close that used to take 3 days, now done in 4 hours

A month-end close that used to take 3 days, now done in 4 hours

An expense tool the whole team actually wants to use

An expense tool the whole team actually wants to use

An expense tool the whole team actually wants to use

An approval process that got 80% faster without anyone noticing

An approval process that got 80% faster without anyone noticing

An approval process that got 80% faster without anyone noticing

An expense tool the whole team actually wants to use

An expense tool the whole team actually wants to use

An expense tool the whole team actually wants to use

Simple, transparent pricing

Simple, transparent pricing

Starter

Professional

Enterprise

Starter

Professional

Enterprise

Certified secure,compliant by design

SOC 2 Type II

99.9% Uptime SLA

ISO 27001

GDPR Compliant

Have questions?Find answers.

Is there a free trial?

How accurate is the AI receipt scanning?

How long does setup actually take?

Can I switch from Expensify or Ramp?

What accounting tools does PayFlow connect to?

Is my financial data secure?

What happens when I hit the free plan limit?

Do you offer support for Enterprise customers?

Ready to take back your time?

Stop chasing receipts.
Start growing your business.

Everything you need.
Nothing you don't.

Works with the tools
you already use.

Some love from
our customers

Real results from
real customers

Certified secure,
compliant by design

Have questions?
Find answers.

Ready to take
back your time?