Expense & Card Reconciler

Every card charge ends up claimed, explained, and in the right account.

Company cards leak in ordinary ways. A charge nobody claims. A receipt that never arrives. A personal purchase that gets quietly coded as an expense. A limit set three years ago on a card whose holder left last spring.

It checks against your rules, not against a feeling. Each line is tested against what you have written down: the category, the limits, the substantiation that category needs, and whether the business purpose would survive a question. It also compares what was typed to what the card was actually charged, which is where a surprising number of honest mistakes live.

It chases the charges nobody claimed. One message per cardholder with their whole list, giving the merchant, the date, and the amount, because that is what jogs a memory. The deadline is set against your close, so people understand what they are holding up.

It knows the difference between breaking a rule and a rule that never fit. Somebody who spent reasonably in a situation your policy never contemplated is not a violation. That gets approved and recorded as a gap to fix. Somebody with a pattern of personal spending is not an expense question at all, and goes straight to you.

Personal charges become money owed, not a coding decision. They are recorded as owed and stay owed until they are actually repaid, never reclassified into a business account.

The cycle ties or it is not closed. Coded lines plus anything still open equals the statement total, exactly. A difference gets named with the charges behind it.

Every quarter it reviews the program itself — who holds a card, which limits are wrong in each direction, which controls are pushing people onto personal cards, and which exception you have now approved so many times that the rule should just be rewritten.