Fyle: expense management software platform

Fyle is now sold as Sage Expense Management, and it still publishes a rate card: Growth at $11.99 and Business at $14.99 per active user per month, billed annually, with 5 and 10 user minimums. Buy it if you want expense management on the cards you already hold. Enterprise is quoted for organisations above 250 employees.

Rajat GuptaEditorial LeadReviewed 16 October 2026Pricing checked 16 October 2026 against the Sage Expense Management pricing page

Fyle in brief

Fyle is now sold as Sage Expense Management, and it still publishes a rate card: Growth at $11.99 and Business at $14.99 per active user per month, billed annually, with 5 and 10 user minimums.

Price: $11.99 per active user/month, billed annually (Growth) · Per active user, billed annually, with 5 and 10 user minimums
Best for: Teams automating expenses on the corporate cards they already hold
Watch out for: This is expense management, not spend management.

The short answer

Buy Fyle if you want to automate expenses without changing your corporate cards, and if most of your people file expenses occasionally rather than every week. The billing unit is the active user, defined as someone who creates at least one expense or holds a connected card with a transaction on it in that month, so you can onboard everyone and pay for the subset that spends. Growth at $11.99 per active user per month covers QuickBooks Online and Xero.

Skip it if your accounting system is Sage Intacct or Sage 300 Construction & Real Estate and you want a predictable number today, because those two-way integrations carry a one-time implementation fee Fyle does not quantify, and Fyle says pricing may differ for existing Sage Intacct customers. Skip it too if you need fewer than five people on the system, since Growth bills a minimum of 5 users and Business a minimum of 10 whatever your real count.

Where Fyle fits

Fyle's whole premise is that you keep your cards. The product connects to Visa, Mastercard and American Express business cards through real-time feeds, sends an instant text notification when a card is swiped, and collects the receipt by return text message. That matters because the dominant alternative in this category is to adopt the vendor's own card programme and let interchange subsidise the software. Fyle is the other bargain: you pay a per-user subscription and your banking relationships stay where they are.

The active-user model is the second reason teams land here. Fyle bills only for users who create at least one expense, or who have a corporate card connected with at least one transaction on it, in a given month, and its own FAQ confirms you can onboard all employees and pay only for the active ones. For organisations with seasonal spenders, volunteer or grant-funded programmes, or a sales team that travels in bursts, that is structurally cheaper than a named-seat licence, and it is checkable rather than negotiated.

Industry fit is unusually specific for an expense tool. Fyle markets construction, non-profits, technology, professional services, healthcare and religious institutions, and the capabilities line up with that list: project expense tracking on Business, a Sage 300 Construction & Real Estate integration, standard IRS mileage rates and per diem rates, and discounts Fyle says it offers to non-profits and educational institutions. A construction firm reconciling dozens of cardholders against job codes is the shape of buyer this was built for.

The plan step is really a step in approvals, entities and the ledger. Growth covers single-stage approvals with business rules and real-time policy violation checks, plus two-way integrations with QuickBooks Online, Xero, QuickBooks Desktop at additional cost and Sage 50 in beta. Business is where multi-org, multi-stage and policy-driven approvals, ACH reimbursements in the US, project expense tracking, custom data exports, multi-currency and multi-entity setup, and the Sage Intacct and Sage 300 integrations begin. If your approval chain has one step and one entity, the cheaper plan is genuinely the right one.

The Sage relationship is now the main strategic question. The product is marketed as Sage Expense Management, formerly Fyle, while fylehq.com still serves the pricing page and the Fyle name survives in the page's own structured data as an alternate name. For a Sage Intacct customer that is an advantage, because the integration is first-party and the account manager is already yours. For everyone else it is a reason to ask where roadmap priority sits when the parent sells the ledger too.

Fyle pricing

Fyle publishes a real rate card, which puts it in a minority in expense management. Checked on 16 October 2026, Growth is $11.99 per active user per month billed annually with a minimum billing of 5 users, Business is $14.99 per active user per month billed annually with a minimum billing of 10 users, and Enterprise is custom priced for organisations with 250+ employees. The page offers a monthly and annual toggle, but only the annual rates rendered in the copy that was pulled, so no monthly figure is recorded here. Several things that look like included features carry separate fees.

What Sage Expense Management publishes

Growth: $11.99 per active user/month, billed annually (Annual, per active user. Minimum billing 5 users.)Unlimited receipt scanning with automated data extraction, receipt collection and expense completion by text message, mileage and per diem tracking, real-time card feeds with automated credit card reconciliation, American Express virtual cards, single-stage approvals with business rules and policy violation checks, and two-way integrations with QuickBooks Online, Xero and Sage 50 in beta.
Business: $14.99 per active user/month, billed annually (Annual, per active user. Minimum billing 10 users.)All of Growth plus multi-org, multi-stage and policy-driven approvals, ACH reimbursements in the US, project expense tracking, custom data exports, multi-currency and multi-region setup with multiple entities, two-way integrations with Sage Intacct and Sage 300 Construction & Real Estate, and premium support with live chat and a named account manager.
Enterprise: Custom pricing (Custom contract, for enterprises with 250+ employees)All of Business plus IP whitelisting of admin accounts, single sign-on with Google, AD and Okta, branded account and emails, a dedicated enterprise account manager, half-yearly business reviews and a customer advisory group with priority access to features.

Rates as published on the Sage Expense Management pricing page and checked on 16 October 2026. An active user is defined by Fyle as anyone who creates at least one expense, or holds a corporate card connected to the product with at least one transaction on it, in a given month.

Four things decide what the invoice actually says.

Active users rather than headcount. The subscription tracks people who file an expense or hold a connected card with a transaction on it in that month, so the number to model is last year's monthly submitter count, not your payroll. Fyle also confirms that expenses and reports are unlimited on every plan, so volume per person does not change the rate.
The seat minimum, which puts a floor under everything. Growth bills a minimum of 5 users and Business a minimum of 10, so a six-person firm that needs the Business feature set pays for ten active users whether or not ten people file anything. For small teams the minimum, rather than the per-user rate, is often the real price.
Which ledger you post to. QuickBooks Online and Xero two-way integrations are in Growth. Sage Intacct and Sage 300 Construction & Real Estate are Business features and carry a one-time implementation fee, QuickBooks Desktop is marked additional cost applicable on every tier, and Fyle notes that pricing may differ for existing Sage Intacct customers, who are told to contact their Sage account manager. None of those amounts is published.
The features sold beside the plan rather than inside it. Premium support with live chat during business hours is an additional fee on Growth and included on Business. Single sign-on is an optional additional fee on Business and included on Enterprise. Both are the kind of line an IT review adds late, so price them early.

What costs extra

QuickBooks Desktop integration: additional cost applicable on every tier, amount not published.
Premium support with live chat during business hours: an additional fee on Growth, included on Business.
Single sign-on: an optional additional fee on Business, included on Enterprise with Google, AD and Okta.
Sage Intacct and Sage 300 Construction & Real Estate two-way integrations: a one-time implementation fee applies, amount not published, with Sage fees as applicable on Sage 300.
Implementation support through a dedicated account manager is offered for a one-time fee, per Fyle's own pricing FAQ, with additional fees for setting up certain accounting integrations.

Implementation and commercial terms

The rows below are what the pricing page and its FAQ confirm as of 16 October 2026. Fyle is specific about which items cost extra and silent about how much, so each of those is a figure to request in writing.

Published price: Yes, for two tiers: $11.99 and $14.99 per active user per month, billed annually. Enterprise is quoted.
Billing basis: Per active user, billed annually. A monthly toggle exists but no monthly rate was published in the page that was read.
Seat minimums: 5 users on Growth, 10 users on Business.
Implementation fee: A one-time fee for implementation support through a dedicated account manager. No amount published.
Free trial: None listed. Growth and Business route to Get a Demo and Enterprise to Contact us.
Compliance: Fyle states it is SOC 2 Type 1 and Type 2, GDPR and PCI DSS compliant.
Discounts: Fyle says it offers special discounts to non-profits and educational institutions, on request.

Budget this in two steps. First, count the people who filed an expense or held an active card in each of the last twelve months, take the highest realistic month, apply the plan minimum of 5 or 10 users, and multiply by $11.99 or $14.99 per active user per month. Second, add the fees that are named without numbers: the one-time implementation fee, the Sage Intacct or Sage 300 integration fee, QuickBooks Desktop if you run it, and single sign-on if your IT team will insist. Get those four figures in writing before you compare with a vendor that bundles them, because the published per-user rate is accurate and incomplete at the same time.

Source: the Sage Expense Management pricing page, checked 16 October 2026. Confirm current prices with the vendor before you budget.

What Fyle gives up

This is expense management, not spend management. There are no corporate cards of Fyle's own to issue, no bill pay module and no procurement workflow, which is the deliberate trade behind keeping your existing cards. If your brief is one platform for cards, invoices and expenses, Fyle answers one third of it well and the other two thirds not at all, and no plan step changes that.

The integration fees are the real uncertainty in an otherwise clear rate card. Sage Intacct and Sage 300 Construction & Real Estate carry a one-time implementation fee with no figure attached, QuickBooks Desktop is marked at additional cost on every tier, and Fyle tells existing Sage Intacct customers that pricing may differ and to contact their Sage account manager. For the buyers most likely to want Fyle, that is to say Sage customers, the published price is the least reliable part of the page.

Seat minimums penalise small teams precisely where the product's active-user model should have helped them. A four-person professional services firm cannot buy below the 5-user minimum on Growth, and a six-person firm that needs multi-stage approvals pays the 10-user minimum on Business. The usage-led story is real above those floors and irrelevant below them, so do the arithmetic at your own size rather than trusting the positioning.

Reimbursement coverage is narrower than the integration list suggests. ACH reimbursements are a Business feature and are explicitly US only, so a company paying employees outside the United States is handling payouts somewhere else even on the paid tier. Confirm how reimbursement status flows back into your ledger if the payment itself happens in your bank rather than in Fyle.

There is no free trial, so every evaluation is a demo plus a negotiation. Growth and Business both route to Get a Demo, Enterprise to Contact us, and nothing on the page lets you run your own cards through the product before you commit. That is a notable gap for a product whose central claim is real-time card feeds, because feed quality on your specific issuer is the one thing a scripted demo cannot prove.

How Fyle compares

The useful split in expense management is whether the vendor prices per seat, per report, or not at all. Fyle prices per active user and publishes the rate, Zoho Expense publishes a full rate card in its own regional currency, SAP Concur publishes starting per-report rates, and Expensify's pricing page served no rate card to us at all. Every figure below comes from that vendor's own pricing page, checked on 16 October 2026, in the currency it was published in.

Tool	Best for	Price	Where it breaks
Fyle (Sage Expense Management)	Teams keeping their existing Visa, Mastercard or Amex cards, with occasional rather than constant filers	$11.99 and $14.99 per active user/month billed annually; Enterprise custom	Integration and implementation fees are named but never quantified
Zoho Expense	Cost-sensitive teams that want a published rate card and a permanently free small tier	₹0 (Free, 3 users), ₹99 and ₹199 per user/month on the India site	The rates served are regional, in rupees, so your billing country may differ
SAP Concur	Large travel programmes that would rather pay per report with unlimited users	From $7 per report (Base) and $11 per report (Plus); Premium custom	The rate varies with monthly commitment, and the add-on catalogue is unpriced
Expensify	Self-serve teams that want receipt capture and reimbursement running the same day	Not published in a readable form, quote only	The pricing page served no rate card on 16 October 2026, so nothing can be modelled

What to test in a Sage Expense Management demo

No free trial is listed, so this is a demo and a scoped pilot rather than a self-serve test. Because the per-user rates are published, spend the demo on the two things that are not: whether the card feed works on your issuer, and what the named-but-unpriced fees come to.

Bring your own card programme to the first call. Real-time feeds for Visa, Mastercard and American Express business cards are the core claim, so ask for a live connection to your issuer rather than a sample feed, and watch how fast a swipe produces a notification and a matched receipt. Universal statement parsing is the fallback, and you want to know whether you will be living on it.
Pull twelve months of active-user counts before you discuss price. Count the people who created at least one expense or held a connected card with a transaction in each month, take the peak, then apply the 5-user minimum on Growth or the 10-user minimum on Business. That number, not headcount, is what $11.99 or $14.99 per active user per month multiplies by.
Get the four unpriced fees in writing: the one-time implementation fee, the Sage Intacct or Sage 300 Construction & Real Estate integration fee, QuickBooks Desktop if you run it, and single sign-on on Business. If you are already a Sage Intacct customer, ask your Sage account manager directly, because Fyle says pricing may differ for you.
Test the approval chain that gives you trouble, not the simple one. Single-stage approvals are a Growth feature while multi-org, multi-stage and policy-driven approvals are Business. Model the chain that needs a project owner and a controller in sequence, and note which plan it forces, because that step is the whole gap between the two published rates.
Check the controls your auditor will ask about. Fyle lists an auditor role, audit history, a receipt mandate, business rules configurations and trusted IP restrictions, and states it is SOC 2 Type 1 and Type 2, GDPR and PCI DSS compliant. Ask for the current reports, and ask what happens to your expense archive and receipt storage if you leave.

Frequently asked questions about Fyle

How much does Fyle cost?

Checked on 16 October 2026, the product, now sold as Sage Expense Management, lists Growth at $11.99 per active user per month billed annually with a 5-user minimum and Business at $14.99 per active user per month billed annually with a 10-user minimum. Enterprise is custom priced for organisations with 250+ employees.

What counts as an active user in Fyle?

An active user is anyone who creates at least one expense, or who has a corporate card connected to the product with at least one transaction on it, in a given month. Fyle's own FAQ confirms you can onboard every employee and still be billed only for active users.

Did Sage buy Fyle?

The product is now marketed as Sage Expense Management, formerly Fyle. As of 16 October 2026 fylehq.com still serves the pricing page, the Fyle name survives in the page's structured data as an alternate name, and the footer still reads Fyle Inc. Treat Sage as the commercial owner of the roadmap.

Is there a minimum number of users on Fyle?

Yes. Growth carries a minimum billing of 5 users and Business a minimum billing of 10 users. A six-person team that needs multi-stage approvals therefore pays for ten active users on Business, so check the minimum against your real monthly filer count before choosing a plan.

Does Fyle charge per expense report?

No. Fyle states that users can submit unlimited expenses and reports on every plan, and that the charge follows active users instead. That makes a heavy filer no more expensive than a light one, and makes the number of people who file in a month the figure to model.

What accounting systems does Fyle integrate with?

Growth carries two-way integrations with QuickBooks Online, Xero, Sage 50 in beta and QuickBooks Desktop at additional cost. Business adds Sage Intacct and Sage 300 Construction & Real Estate, both with a one-time implementation fee, plus direct, third-party and API integrations with accounting, travel, HRMS and payroll systems.

Does Fyle charge an implementation fee?

Yes, but it publishes no amount. Fyle's pricing FAQ says implementation support is offered through a dedicated account manager for a one-time fee, with additional fees for setting up certain accounting integrations. The Sage Intacct and Sage 300 two-way integrations are the named examples. Ask for both figures in writing.

Does Fyle issue its own corporate cards?

No, and that is the point of the product. Fyle connects to the Visa, Mastercard and American Express business cards you already hold through real-time feeds, with automated reconciliation and receipt collection by text message. It can issue American Express virtual cards on your existing Amex account.

Is there a Fyle free trial?

No trial is listed on the pricing page as of 16 October 2026. Growth and Business both route to a Get a Demo call to action and Enterprise to Contact us, so evaluation runs as a demo and a scoped pilot. Ask for a live feed from your own card issuer during it.

How does Fyle handle security and compliance?

Fyle states it is SOC 2 Type 1 and Type 2, GDPR and PCI DSS compliant. The product lists an auditor role, audit history, a receipt mandate, business rules configurations and role-based access control, with trusted IP restrictions and single sign-on at the upper tiers. Ask for the current reports.