Masraff reaches parity with Expensify on receipt scanning, approval workflows and reporting. The platform adds e-Invoice (e-Fatura) QR capture, VAT Withholding, KKEG, native Logo / Mikro / Netsis / Luca integration, and an AI model trained on Turkish receipts.
| Kriterium | Expensify | Masraff |
|---|---|---|
| Pricing | $5–$9 per active member / month, billed in USD. A 50% discount applies when tied to Expensify Card usage. | Module-based pricing in TRY, VAT inclusive. ERP bundle discount available. |
| Localization | English-first interface; other languages rely on machine translation. | Turkish-first interface across 19 locales. AI model trained on Turkish receipts. KVKK-compliant and ready for GİB e-Invoice / e-Archive. 33 Turkish document types, an 81-province tax-office dictionary and VKN auto-complete. |
| ERP and GİB | 4 ERPs (QuickBooks, NetSuite, Xero, Sage Intacct) — all US-anchored. No GİB integration. | 20+ ERP integrations: Logo (Tiger, Go3, Netsis, Bulut), Mikro (X, Fly, Jump), SAP (ERP, B1, ByDesign, S/4HANA), Oracle, MS Dynamics, Luca, Orka, EBA, Nebim, Xero and QuickBooks. Plus 5 Turkish e-Invoice providers (Doğan, eLogo, Mikro, QnB eFinans, Sovos). |
| Mobile | iOS and Android. | iOS, Android and Huawei AppGallery — relevant for the Turkish mobile ecosystem. GPS-based mileage tracking on mobile. |
| Support | English, US business hours, email-first. | Turkish-language support during local business hours, staffed by specialists familiar with Turkish accounting. |
Every Expensify feature mapped to its Masraff equivalent. Badge legend: ✅ parity · ⚠️ partial · ❌ gap · ⭐ advantage.
| Expensify feature | Masraff-motsvarighet | Status | Anteckning |
|---|---|---|---|
| Receipt Scanning (SmartScan) | AI Receipt Scanning | Paritet | Masraff's AI model is trained on Turkish receipts — major retail chains, food-service vendors and transit operators. |
| Expense Management | Expense Module with multi-level coding | Paritet | Multi-level coding (category, cost centre, project, spend code) and rule-based allocation not offered by Expensify. |
| Travel | Travel Module | Delvis | Forms, approvals and travel-agency email handover are available. Self-serve booking is under development. |
| Expensify Card | — | Brist | Mastercard partnership is under development. The current release supports existing corporate cards with automated statement reconciliation. |
| Bring Your Own Card (BYOC) | Corporate Card Statement Integration | Paritet | Compatible with major Turkish banks: Garanti BBVA, İş Bankası, Yapı Kredi, Akbank, Vakıfbank, Ziraat and Halkbank. |
| Corporate Card Reconciliation | Statement Module | Fördel | Per-bank flexible Excel column mapping, 22 supported date formats, and native FTP integration with İş Bankası and Akbank. |
| Expense Rules | Expense Policy Engine | Fördel | Four warning levels and automatic VAT Withholding transfer to the ERP. |
| Global Reimbursement | — | Brist | Out of scope by design. Expensify is the better fit for multi-country reimbursement. |
| Distance Tracking | Mileage Module + UTTS Fuel + Per-Diem | Paritet | Origin / destination, kilometre × unit rate, GPS on mobile, and UTTS (Turkey's National Vehicle ID System) fuel integration. |
| Virtual Cards | — | Brist | Included in the card-issuance roadmap. |
| Expense Reports | Expense Report (platform) | Paritet | Duplicate detection, period close and complete activity log. |
| AI-Powered Expenses | Turkish-trained AI + Masraff Assistant | Fördel | Trained on Turkish receipts. New AI models run in parallel against live traffic before rollout. One to three predicted categories surface at data entry. |
| Track Expenses | Expense Module | Paritet | Manual entry, AI document capture and card transactions. |
| Mobile App | iOS, Android and Huawei | Fördel | Huawei AppGallery distribution is unique to the Turkish mobile ecosystem. GPS-based mileage tracking on mobile. |
| Chat | Form Comments + Activity Log | Delvis | Real-time chat is not offered; a complete activity log is provided instead. |
| Spend Management | 6 product hubs | Paritet | Module-based pricing — pay only for the modules in use. Expensify bundles 21 features. |
| Financial Reporting | ERP Exporter + AI Analytics | Paritet | Pre-mapped templates for Logo, Mikro, Netsis and Luca. |
| Budgets | Budget Module | Paritet | Integrated with the Policy Engine — overruns are blocked or transferred to the ERP as VAT Withholding. |
| Bill Pay | — | Brist | Accounts Payable (AP) automation is under development. |
| Invoices | e-Invoice QR Capture (inbound) | Fördel | Expensify issues invoices to customers. Masraff captures incoming supplier invoices via Turkish e-Invoice QR — a Turkey-specific capability. |
| Travel Reimbursement | Travel Module + Expense Form + Advance Module | Paritet | Includes an advance-and-offset chain not offered by Expensify. |
SmartScan reads English receipts. Masraff parses Turkish ones — extracting the VAT rate, category and receipt number in the format required by Turkish tax legislation.
Expensify records the expense. Masraff codes it to the Turkish chart of accounts and transfers it to the ERP — Logo, Mikro, Netsis and Luca all speak the same language.
Expensify supports thousands of banks, but most are US-based. Masraff integrates with every major Turkish bank, so corporate card replacement is not required.
Expensify auto-matches statements. Masraff first maps each Turkish bank's distinct Excel format in seconds, then performs the match — across 22 date formats, with native FTP integration for İş Bankası and Akbank.
Expensify issues a warning when limits are exceeded. Masraff transfers the overage to the ERP as a Withholding entry — eliminating double bookkeeping between payroll and accounting.
Expensify's AI was trained on English receipts. Masraff's AI was trained on millions of Turkish receipts and parses VAT rate, document type and category according to Turkish regulations. New models run in parallel against live traffic before rollout.
Parity with Expensify's distance tracking, plus UTTS fuel integration, automatic application of the KKEG 30% non-deductible rule, and per-diem with city-specific limits.
Expensify Invoices issues invoices to customers. Masraff inverts the workflow: the supplier's Turkish e-Invoice QR is scanned and converted into an expense. VAT, KKEG and the ERP entry are completed in a single step. Five Turkish providers are integrated (Doğan, eLogo, Mikro, QnB eFinans, Sovos).
The following capabilities are not parity claims. Each is either specific to operations in Turkey or has not been built by Expensify.
Turkey's only QR-reading invoice module — fully GİB-compliant for both e-Invoice and e-Archive. Native sync with Doğan, eLogo, Mikro, QnB eFinans and Sovos. Manual UBL XML import. 13 invoice statuses with a complete activity log.
Vehicle 30% non-deductible, lease cap above 26,000 TRY/month, alcohol and tobacco, meal cards, credit-card slips, taxi POS and documents with no fiscal value — routed automatically through 4 control modes (none, warn, block, or warn and override the account code).
Three Turkish tax behaviours not modelled by Expensify: Stopaj, reverse-charge VAT (SSKDV) and per-expense VAT deduction. Stopaj is recalculated automatically when other tax additions change.
Logo, Mikro, Netsis, SAP (4 variants), Oracle (EBS, Fusion, NetSuite), MS Dynamics, Luca, Orka, EBA, Nebim, Xero, QuickBooks, and a general-purpose webhook. Account-code templates support 28+ part types.
13 transaction types, balance carried between advances, city-specific advances, blocked balances for pending approvals and multi-currency display. Expensify offers no native advance lifecycle.
A standalone shipping-expense module integrated with the UPS API — sender / recipient address hierarchy (country → city → district → neighbourhood), barcode and tracking. 5 authentication methods. Up to 10 reports may be bound per shipment.
Time-bounded or open-ended delegation between users, complete activity log, multiple delegates and a Switch Account interface. Configurable per tenant. Expensify offers no equivalent.
Six statuses, per-bank flexible Excel column mapping, native FTP integration for İş Bankası and Akbank statement pulls, and period-out-of-range detection.
An IT team expense splits automatically across four cost centres — the rule is defined once. Brick splits (FMCG / retail) and product / custom-product-field splits are also supported, where Expensify's flat expense model cannot represent these structures.
Position-level dynamic approval chains with built-in delegation, 9 user roles and multi-role assignment.
Full travel-form depth: passport (number, expiry, file), visa (country, start date), driving licence (number, class, location), 4 cabin classes, dual-hotel support, conflicting-trip prevention, and travel-agency email integration backed by 5 reference dictionaries.
New AI models run in parallel against live traffic before rollout. The Masraff Assistant recommends how to group expenses into reports based on frequency and property type.
When a supplier's VKN is entered, the name, tax office (one of 81 provinces) and supplier account code populate automatically. 33 system document types cover every Turkish document class.
Detects when another employee has already submitted the same combination of amount, date and supplier. Criteria are configurable; adding a duplicate to a report is blocked automatically.
Drag-and-drop PDF structure designer — 6 PDF types, 11 structure blocks, 80+ field codes, bilingual TR / EN labels and 3 generation engines.
Monthly, quarterly and annual budget periods. Allocated, spent and pending amount tracking. Multiple budgets per expense. Viewer-level access control.
Logical company grouping for holdings, a single user mapped across multiple sub-companies, sub-company-specific minimum-approval-level overrides and a per-tenant subdomain.
Receipt scanning, expense assistant and anomaly detection — all trained on millions of Turkish receipts. Predicted-category suggestions surface at data entry. New models are A/B tested against live traffic before rollout.
Transparent gaps. These limitations are disclosed up front rather than discovered after onboarding.
Mastercard partnership is under development. The current release supports existing corporate cards with automated statement reconciliation. Expensify is the better fit for teams that require card issuance today.
The current release manages invoice → approval → accounting. Payment trigger is under development. Expensify leads in this area for teams where integrated AP payment is mission-critical today.
This is a deliberate scope decision — Masraff does not offer multi-country reimbursement. Expensify is the better fit for teams reimbursing employees across 190+ countries.
Typical duration: 2–4 weeks depending on company size. A dedicated implementation manager and a support team specialised in Turkish accounting are assigned to the project.
Historical expenses are exported as CSV via Expensify's standard reporting tools.
The implementation team maps category, cost-centre and project-code dictionaries.
Logo, Mikro, Netsis and Luca templates ship pre-mapped — manual column alignment is not required.
| Expensify | Masraff | |
|---|---|---|
| Starting price | $5–$9 per active member / month | Module-based; request a demo for a TRY quote |
| Currency | USD only | TRY (VAT inclusive) — local invoicing |
| Card-usage discount | 50% off when 50% of policy expenses run on Expensify Card | Not applicable (Bring Your Own Card model) |
| ERP bundle discount | — | Available with a Logo / Mikro / Netsis licence pairing |
| Hidden costs | Per-active-member cost can scale rapidly | Charged only for active modules (for example, KKEG is not billed when not in use) |
| Free trial | Yes (30 days) | Yes — see /en/pricing/ |
Pricing verified against use.expensify.com/pricing on 2026-05-14. Re-verification is recommended before publication.
Vanliga frågor
Historical expenses are exported from Expensify as CSV. The implementation team maps category, cost-centre and project-code dictionaries, reconnects the ERP (Logo, Mikro, Netsis or Luca) and runs a parallel period for 2–4 weeks. Most customers complete the migration in under one month.
Yes. Masraff provides native integrations with Logo Tiger, Logo j-Platform, Mikro, Netsis, Luca, Link, Nebim, Orka, SAP and Oracle. Templates ship pre-mapped; accounting teams are not required to align columns manually.
Expensify relies on photo scanning of paper receipts. Masraff's e-Invoice Module reads the Turkish Revenue Administration (GİB) e-Invoice / e-Archive QR code directly — VAT, supplier and amount values are drawn from the source rather than from a receipt-scanning pass. Five Turkish providers are integrated (Doğan, eLogo, Mikro, QnB eFinans, Sovos).
Yes. KKEG is covered with 6 types and 4 control modes. VAT Withholding is routed to the correct ERP accounts automatically — eliminating double bookkeeping between payroll and accounting.
Not in the current release. Expensify is the better fit for teams reimbursing across 190+ countries. Masraff is Turkey-anchored; multi-currency support covers occasional foreign-currency expenses.
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