Questions finance teams ask.

PuraFi is the employee-first travel & expense platform. Your team just asks, travel books itself, and expenses code themselves to the right account, cost center and project the moment the receipt arrives. Finance approves instead of keying, employees keep every point, and finance gets clean, automatic books.

Three ways. It replaces a separate expense tool, often for less than that tool alone. Expenses code and post themselves, so finance stops paying ~$58 a report in keying and chasing (GBTA). And optional vendor payments through PuraFi earn 1.5% cashback on the card-paid share. The honest trade: employees keep the points, so any corporate-card rebate goes to them instead, and the calculator counts it. Run your numbers in the savings calculator →

From “Expense Reporting: Global Practices and Pain Points”, a study by the GBTA Foundation, the research arm of the Global Business Travel Association, sponsored by HRS (2015). It found the average expense report costs $58 and 20 minutes to process, and that 19% contain errors costing another $52 and 18 minutes each to correct. It remains the industry-standard benchmark, cited by SAP Concur, Forbes and others; a decade of inflation means today’s true costs run higher.

PuraFi does. It fronts the payback: employees are paid the minute an expense clears policy, and your company settles one weekly statement afterward — a standard payable to PuraFi, never a credit line. Prefer zero financing fees? Keep a prepaid balance and reimbursements draw from it instead. Either way, finance never scrambles to fund an individual reimbursement.

Yes, quietly. Bills sync from your accounting system already approved; PuraFi simply executes each payment the best way the supplier accepts, with no new workflow for your team. That payment flow is what funds your free seats and earns the 1.5% cashback on the card-paid share.

That’s where it’s headed. Because PuraFi executes your supplier payments, it sees where the money goes. Spend intelligence, a coming add-on, turns that into found money: when a bill looks worth a second look, PuraFi asks you to forward the invoice and returns an analysis, peer benchmarks from its vendor network, billing errors, unused seats, better terms, on any recurring supplier bill: cloud, SaaS and AI to shipping, insurance, utilities, telecom, energy and legal. Recommendations only: you decide what to act on.

No, PuraFi never lends. You fund reimbursements one of two ways, prepay a balance for a zero-fee draw, or let PuraFi front them and settle on a simple weekly statement, a standard trade payable to PuraFi. FlexPay, a coming option, adds a third: split a statement into 4 weekly, 2 bi-weekly or 3 monthly installments for a flat fee known up front, funded by a finance partner. It is never a credit line and never debt on your balance sheet.

Card platforms are built around the company card, so the company keeps the points and anyone without a card still files an expense report. PuraFi is employee-first: your team pays on their own card and keeps every point, expenses code themselves, and reimbursement lands the moment you approve, plus a benefits card for stipends. See the full side-by-side →

One plan, two funding modes: $4 per wallet (prepay) or $7 per user (PuraFi fronts it) per month. Reimbursements are free, an AI token pool is included, and it often costs less than the expense tool it replaces. Enterprise is custom. See pricing →

PuraFi auto-codes, allocates and posts every expense to your accounting system, QuickBooks (Online and Desktop), NetSuite, SAP, Xero, Sage Intacct, Sage Business Cloud, Microsoft Dynamics 365 Business Central, Acumatica, FreshBooks, Zoho Books, Odoo, Wave, FreeAgent, Kashflow, Exact Online and Moneybird, and syncs with the HR systems you already run. No exports, no manual journal entries, no rip-and-replace.

Employee wallets are employee-owned and ring-fenced from your company Vault, which sits in segregated accounts with regulated partners. Money movement uses dual-admin and maker-checker controls, access is governed by SSO/SAML and SCIM, PuraFi runs on AWS, and the AI never trains on your data. More on security →

Not yet, honestly. Our controls are built to SOC 2 criteria from day one, dual control on money movement, SSO/SCIM, full audit trails, and a formal Type II audit is on our near-term roadmap. Ask in your vendor review and we'll share the current security documentation and walk your team through it.

Yes, every point. Employees pay for work on their own card and keep the miles, points and cashback; PuraFi reimburses them within the minute. It costs finance nothing to give back, and it removes a quiet pay cut your travelers feel.

Each program, gym & wellness, healthcare, commuter, home office, learning, lives as its own purse on one benefits card. In-policy swipes need no receipt, unused stipend lapses at reset so you only pay for what's used, and pre-tax programs like commuter (§132) and HSA/FSA run pre-tax automatically. More on cards & benefits →

Most teams are live quickly because there's nothing to rip out. PuraFi plugs into your existing accounting and HR systems, expense coding flows back automatically, and it runs alongside what you already have.

You walk out with everything. Expenses, receipts, coded history and audit logs export anytime, and because PuraFi posts into the accounting system you already run, your books never leave your GL. It runs alongside your current stack, so reverting is a config change, not a migration.

You do. Bills arrive pre-approved from your accounting system and PuraFi just executes; the only things that surface are genuine exceptions, funding shortfalls, changed bank details, or a required second signature. Approval routing, thresholds and dual-control are all yours to configure.