Layer and CapitalOS partner so platforms can embed spend and accounting that just work together

The CapitalOS and Layer wordmarks, joined by a plus

We’re excited to announce our partnership and integration with CapitalOS. Transactions from CapitalOS now sync directly into Layer’s accounting, allowing SMB platforms to offer their customers a real-time view of their spend.

Why it matters

For many small businesses, card spend is one of the messiest parts of accounting. Traditional credit card data lacks detail on the expense and can take days to sync into accounting software. SMBs often spend hours at month end trying to retroactively remember and categorize past transactions.

This integration solves that. For platforms using CapitalOS and Layer, CapitalOS card transactions and bill payments now sync automatically into Layer Accounting. SMB customers can now get a real-time view of their expenses without end of month catch-up headaches.

How it works

Card transactions and bill payments from CapitalOS flow into Layer as they happen and are immediately reflected across Layer’s reports, including the P&L, balance sheet, and cash flow statement. Platforms can deliver their customers a continuously updated view of their financials without any manual work.

A CapitalOS card with its balance, credit and spend insights, a pending $40 Starbucks transaction on it, and Layer’s profit and loss for January 2025 with the same $40 under Business meals

Card spend is where most small business books fall apart. With our partnership, a swipe becomes accurate financial data the instant it happens — and for the platforms that embed both, that means delivering an experience their customers genuinely love.

Nir Dremer

Co-Founder & CEO, CapitalOS

If you’re interested in offering a seamless spend and accounting experience to your customers, reach out.