Put your expenses on autopilot

Let artificial intelligence work for you and read receipts from 150 countries, submit expenses, book VAT, enter accounting journals into your existing financial system, analyze expenses in real-time and much, much more!

Yokoy Mastercard, Dashboard and phone app


Why Yokoy Expense?

Create an expense report in just 3 seconds! Instead of collecting receipts and filling out Excel spreadsheets, your team simply has to photograph the receipt and Yokoy does the rest.
The entire process from taking a photo of the receipt or invoice to booking it correctly into the ERP system (including VAT) and paying it out to employees is done within seconds using artificial intelligence. You and your finance team only have to deal with special cases.
Unlike other tools, Yokoy automates the processes for everyone: employees, supervisors, project managers and the finance team.


What makes Yokoy different from all others

An AI self learning brain icon
thanks to artificial intelligence

Based on all your receipts, supplier invoices and actions, the Yokoy tool learns and is able to automatically fill out expense forms and invoices including VAT for you.

Automation icon
Full automation,
not only digitalization

Yokoy finds outliers, rule violations and potential fraudulent cases and sends them for manual review. The rest – from submission to exporting to your accounting system – is fully automated.

Workflow icon
company-specific process flows

Yokoy is the only expense management tool that allows you to map your individual company-specific process flow without a team of developers to code and maintain it for you.

Integration icon
Integrated into
your existing system landscape

Robust integrations are key to automating the data flow between different tools. Yokoy integrates with all major third-party tools and also provides the free “OpenAPI” platform to all partners and customers.

Trusted by world-renowned brands

Applied Machine Learning

Image process step 1 - a receipt is shown and scanned to create an image

Image processing

Yokoy calculates the curvature and quality of the receipt image and enhances them with inhouse-built models in less than half a second.

Image processing step 2 - the scanned receipt image is processed with OCR reading

Text and number extraction

AI-based OCR is then converting the enhanced image into machine-encoded text and builds words and numbers on that basis in less than one second.

Image processing step 3 - the scanned and processed receipt image is analysed to find out the object, price, vat, seller etc.

Information extraction

Only one second later, the Yokoy-AI-engine extracts information from the words and numbers and validates over 300 data points in one single receipt.

Image processing step 4 - the analysed image is validated against company policy

The outcome

The information is subsequently used to check relevant policies, calculate fraud potential and much more.
Yokoy uses a self-learning model that enhances the accuracy with every additional expense.


What our customers want you to know about us

Ebru Arican, Ameropa's head of finance image

We looked into different expense management tools and were impressed by Yokoy’s ease of use and seamless integration with our credit card provider. The integration into our finance system to ensure an automated end-to-end process was also an important deciding factor.

Ebru Arican

Head of Group Controlling & Accounting

Ameropa AG


Simple yet highly functional

Automatically match receipts with transactions, set limits for individual teams and employees, get notified of unusual expenses & keep track of all business expenses in real-time.

Frequently asked questions

Does Yokoy integrate with my financial and HR systems?

Yokoy integrates with more than 50 systems and versions. Here you can find the list of standard integrations. In case we do not yet integrate with your specific system, please contact us here and let’s discuss. There is also the possibility for you to use our free Open REST API to connect your favorite systems with the Yokoy platform yourself..

How is the data protected?

Data protection is a top priority at Yokoy, so we use modern data encryption standards for both stored data and data in transit. Additionally, Yokoy has tasked external penetration testers (hackers) to constantly check the platform for vulnerabilities. We follow local regulations such as GDPR in the EU or the Swiss Data Protection Act to deliver the best data protection standards.

Can I buy Yokoy’s expense solution as a single product or do I have to take the whole spend management solution?

Yes. If you are looking for automated expense management only, you can buy Yokoy Expense separately. Automated invoice management (Yokoy Invoice) and card management (Yokoy Card) are also available separately. 
Of course, the greatest benefit comes from the complete package of expense, invoice and card management, as the interfaces into the ERP system can be used for the entire spend management and also everything can be operated in the same Yokoy app (also mobile app).

How long does an implementation take?

This is very much dependent on the configurations and the integrations. An implementation can take from a few weeks to several months. For example, a global implementation with 2 legal entities, an ERP system integration, credit card integrations and SSO setup takes about 2 months. Thanks to the latest technology, Yokoy is able to configure and test the tool in a very short time. The projects are carried out either by the Yokoy Services team or a certified implementation partner.

How much does Yokoy cost?

For the Yokoy team, it is important that the spend management tool and Yokoy cards are properly set up and integrated into the company’s system landscape. No two setups are the same! We believe in full automation. That’s why we’re happy to discuss your specific needs and provide you with a tailored offer.

Can Yokoy be used by large global companies?

Yes, Yokoy brings true added value to global enterprise customers. The tool is built for complex, global multi-entity configurations and integrates with most enterprise ERP & HRM tools such as SAP R3/S4 and Successfactors, among others. Our experienced onboarding project managers will lead the project from the planning to the implementation and testing phases, and will hand over the tool to the company during a training workshop session. Global enterprise customers will benefit from a dedicated key account manager and financial process consulting from our in-house finance experts.

Curious? Book a Demo now!


Discover the other Yokoy products

Supplier Invoices
Physical Cards
Virtual Cards

These features are included in all Yokoy products

Customizable & integrable

Customize workflows, policies and more, while integrating all your favorite tools.

Active fraud prevention

The Yokoy artificial intelligence module actively recognizes fraud patterns and flags them as such.


Modern audit protocols ensure compliance with local auditing standards in Switzerland, Austria, Germany, the US and many more.

On the go in real time

Submit expenses directly on your mobile phone or web app – anywhere, anytime – even offline.

Automated VAT-read out

Yokoy recognizes VAT, validates it and automatically prepares the booking journal for the correct booking and VAT reclaim.

Trips & auto lump sum calculation

Lump-sums are automatically calculated based on your internal guidelines.

Auto-reconciliation of card transactions

Yokoy directly feeds in your card transactions, matches them with the receipts and does the reconciliation work for you.

Artificial Intelligence scanning

Automated spend reporting and real-time policy checking, thanks to cutting-edge AI technology.


All expenses are reviewed and validated by the Yokoy AI engine, so that you only need to look at special cases manually.

Assistant or deputy

Manage expenses on behalf of your manager(s) or delegate tasks and assign deputies on behalf of you.


Data encryption and protection are key aspects of Yokoy, including GDPR compliance, permission-based access policies and Single Sign On (SSO) using the SAML/OAuth standard.

Data Analytics

Create spending reports and analysis dashboards to have the overview you always wanted.

Ready to get started?