Service — Expenses

Expense management without the chasing

Employees submit on their phone. Managers approve in one tap. Rio reconciles against cards and reimburses — without a single email thread.

Every expense, every step, automated

📱

One-tap submission

Snap a receipt, pick a category, done. Rio pre-fills vendor, amount, tax and GL code.

Approvals that route themselves

Configure rules by amount, project, or department. Managers approve from email or Slack.

💳

Card reconciliation

Match employee card spend to receipts automatically — flag missing documentation in real time.

💸

Built-in reimbursements

Pay employees directly through Rio Payments or sync to your payroll provider.

How it works — in four steps

  1. 01

    Submit

    Employee captures receipt on mobile in seconds.

  2. 02

    Categorise

    Rio applies policy, GL, tax, and project codes.

  3. 03

    Approve

    Manager taps approve from email, Slack, or web.

  4. 04

    Reimburse

    Funds land in the employee account, books update automatically.

By the numbers

85%Faster expense cycles
0Spreadsheets required
100%Audit-ready logs
$0Hidden fees

Why finance teams switch to Rio

Rio gave us our weekends back. Reconciliation that took two days now takes thirty minutes.
— Operations lead, multi-site retailer
Our accountant calls us their easiest client. Everything is already where it should be.
— Founder, professional services firm
The advisory side is what closed it for us — software plus a real human reviewing the numbers monthly.
— CFO, growth-stage SaaS

Frequently Asked Questions

Is there a free trial?

Yes — 14 days, no credit card required. You'll get full access to every Rio feature on whichever plan you select.

Do I keep my existing accountant?

Absolutely. Rio sits between your business and your accountant, cutting their workload while keeping the same relationship. If you don't have one, we can introduce you to vetted partners.

How long does onboarding take?

Most businesses are live within an afternoon. Multi-entity setups take 3–5 days with a dedicated success manager.

Is my data secure?

Rio is GDPR and ISO 27001 aligned. Documents are encrypted at rest, stored for 10 years, and access is permissioned by role.

Try Rio yourself with our 14-day free trial

Set up your account in minutes. No credit card required.