Best spend management software
Nine spend management vendors with an Accountio profile, side by side.
Listed alphabetically. Accountio does not rank vendors, and a featured listing does not change the order.
Spend management software controls company spending: corporate cards, expenses, supplier invoices, purchasing and approvals. The nine vendors here range from card-led platforms such as Brex, Ramp, Pleo and Payhawk to procurement and payables suites such as Coupa and Payflows. Which one fits depends on whether you want new cards, how many countries you spend in and how you want to be charged.
Spend management software at a glance
| Vendor | Best for | Founded and HQ | Customers | Pricing |
|---|---|---|---|---|
 Brex | Startups, mid-sized companies and global enterprises; also scaled companies and ecommerce brands | San Francisco; founding year not published | 35,000+ companies | Essentials free; Premium US$12 per user a month; Enterprise on quote |
 Coupa | Finance, procurement and supply chain teams; 55% of the Fortune 500 work with Coupa | 2006; Foster City, California, US | More than 3,000 customers, including American Airlines, UPS and Hilton | Not published |
 Emburse | Global enterprises, mid-sized businesses, public sector organisations and non-profits | Formed 2020 from Chrome River, Certify, Captio, Nexonia, Tallie, Abacus and Emburse (Cards) | 12 million+ users in 200 countries; logos include Toyota, General Motors and Microsoft | Emburse Spend from US$8 per user a month; other products not published |
 Expensify | Individuals, and companies with 1–9 or 10+ employees | Not published | 15 million+ members | Collect US$5 and Control US$18 per member a month on an annual plan, from US$9 with the Expensify Card; UK £5 and £14 |
 Moss | Mid-sized businesses in Europe | 2019; Berlin, Germany | 7,500+ businesses across Europe; EUR 7bn in annual spend processed | Free plans for Cards or Accounts Payable; paid plans priced per module and add-on plus a fee based on transaction volume, with unlimited users |
 Payflows | Enterprise finance, procurement and treasury teams that want to keep their existing ERP | 2022; Paris, France | Named customers include Feedzai, Spendesk, Electra, Swile, Evaneos and Homa | Not published |
 Payhawk | Mid-market and enterprise companies managing spend across teams, entities and borders | 2018; London | 6,000+ companies, including DPD, Gymshark, Vinted and Babbel | Priced by module; US prices from US$299 a month (Travel) to US$499 (Procurement); Payhawk Complete on quote |
 Pleo | Businesses across Europe, from small teams (1–49 employees) to enterprises (1,000+) | 2015; Copenhagen, Denmark | 40,000+ companies across Europe | UK: Start £8 per user a month (billed monthly); Build £14 and Optimise £18 per user a month (billed yearly) |
 Ramp | Smaller teams on the free plan; growing teams automating workflows and controlling spend across multiple entities on Ramp Plus | New York; founding year not published | 70,000+ customers | Free plan; Ramp Plus priced on request, billed annually |
The nine vendors
In alphabetical order. “Not published” means the vendor does not state it.
Brex
Best for: Startups, mid-sized companies and global enterprises; also scaled companies and ecommerce brands
Corporate cards, business banking and treasury, expense management, bill pay, travel and accounting automation.
- Founded and HQ
- San Francisco; founding year not published
- Ownership
- Wholly owned subsidiary of Capital One; CEO Pedro Franceschi
- Customers
- 35,000+ companies
- Pricing
- Essentials free; Premium US$12 per user a month; Enterprise on quote
- How it runs
- Available in 120+ countries; local-currency cards in 50+ countries
Coupa
Best for: Finance, procurement and supply chain teams; 55% of the Fortune 500 work with Coupa
Spend management across procurement, AP automation, expenses, payments, treasury and supply chain, with AI agents.
- Founded and HQ
- 2006; Foster City, California, US
- Ownership
- Owned by Thoma Bravo after an US$8bn all-cash deal; interim CEO Mike Lipps since August 2026
- Customers
- More than 3,000 customers, including American Airlines, UPS and Hilton
- Pricing
- Not published
- How it runs
- Cloud; offices in North America, Latin America, EMEA, APAC and Dubai
Emburse
Best for: Global enterprises, mid-sized businesses, public sector organisations and non-profits
Travel and expense management, AP automation, payments, cards and audit.
- Founded and HQ
- Formed 2020 from Chrome River, Certify, Captio, Nexonia, Tallie, Abacus and Emburse (Cards)
- Ownership
- Not published
- Customers
- 12 million+ users in 200 countries; logos include Toyota, General Motors and Microsoft
- Pricing
- Emburse Spend from US$8 per user a month; other products not published
- How it runs
- Cloud; users in 200 countries; localisation for 100+ countries
Expensify
Best for: Individuals, and companies with 1–9 or 10+ employees
Receipt scanning, expense reports and approvals, the Expensify Card, invoicing, bill pay and travel.
- Founded and HQ
- Not published
- Ownership
- Not published
- Customers
- 15 million+ members
- Pricing
- Collect US$5 and Control US$18 per member a month on an annual plan, from US$9 with the Expensify Card; UK £5 and £14
- How it runs
- Cloud and mobile app; reimbursements anywhere in the world in local currency
Moss
Best for: Mid-sized businesses in Europe
Corporate cards, accounts payable, employee reimbursements, procurement and purchase controls, with AI pre-accounting and Moss Accounting to prepare the close.
- Founded and HQ
- 2019; Berlin, Germany
- Ownership
- Venture-backed; EUR 35m Series C (Aug 2026) led by Portage with Cherry Ventures, at a EUR 1bn valuation; over EUR 200m raised in total
- Customers
- 7,500+ businesses across Europe; EUR 7bn in annual spend processed
- Pricing
- Free plans for Cards or Accounts Payable; paid plans priced per module and add-on plus a fee based on transaction volume, with unlimited users
- How it runs
- Germany, the Netherlands, the UK and other EU markets; data hosted in the EU; regulated by BaFin as an e-money institution
Payflows
Best for: Enterprise finance, procurement and treasury teams that want to keep their existing ERP
AI finance platform of sub-ledgers for procurement, vendor and contract management, accounts payable and treasury.
- Founded and HQ
- 2022; Paris, France
- Ownership
- Private (Payflows SAS); Series A of €25m (April 2024)
- Customers
- Named customers include Feedzai, Spendesk, Electra, Swile, Evaneos and Homa
- Pricing
- Not published
- How it runs
- Cloud, hosted in Ireland; multi-entity and multi-currency; designed as an overlay to an existing ERP or P2P system
- Good to know
- SOC 2 Type II and ISO 27001
Payhawk
Best for: Mid-market and enterprise companies managing spend across teams, entities and borders
Corporate cards, expenses, travel, accounts payable and procurement in one platform, with AI agents and global payments.
- Founded and HQ
- 2018; London
- Ownership
- Investors include Greenoaks, QED, Bek Ventures, Eleven Ventures and Lightspeed
- Customers
- 6,000+ companies, including DPD, Gymshark, Vinted and Babbel
- Pricing
- Priced by module; US prices from US$299 a month (Travel) to US$499 (Procurement); Payhawk Complete on quote
- How it runs
- Customers in 33+ countries; 150+ countries and 115 currencies supported; offices across Europe and the US
- Good to know
- Visa principal member; EU and UK e-money licence; PCI DSS Level 1, ISO 27001 and SOC 2
Pleo
Best for: Businesses across Europe, from small teams (1–49 employees) to enterprises (1,000+)
Company cards, expense management, reimbursements, bill payments and automatic sync to accounting software.
- Founded and HQ
- 2015; Copenhagen, Denmark
- Ownership
- Not published
- Customers
- 40,000+ companies across Europe
- Pricing
- UK: Start £8 per user a month (billed monthly); Build £14 and Optimise £18 per user a month (billed yearly)
- How it runs
- 16 European countries; HQ in Copenhagen
Ramp
Best for: Smaller teams on the free plan; growing teams automating workflows and controlling spend across multiple entities on Ramp Plus
Corporate cards, expenses, reimbursements, accounts payable and accounting workflows, with AI agents for policy, accounting and AP on Ramp Plus.
- Founded and HQ
- New York; founding year not published
- Ownership
- Not published
- Customers
- 70,000+ customers
- Pricing
- Free plan; Ramp Plus priced on request, billed annually
- How it runs
- 200+ countries supported; separate US and UK websites
Related tools in the same directory category
Software spend and SaaS cost tools in the same directory category.
How to choose spend management software
- Do you want the vendor's own cards, or expense management on the cards and bank you already use?Brex, Moss, Payhawk, Pleo and Ramp issue their own corporate or company cards, and Expensify has the Expensify Card. Emburse covers travel and expenses, AP, payments and cards. Coupa and Payflows concentrate on procurement, accounts payable and payments.
- Which countries and currencies do employees spend in, and does it handle local VAT or sales tax on receipts?Brex is available in 120+ countries with local-currency cards in 50+. Payhawk supports 150+ countries and 115 currencies, and Ramp 200+ countries. Pleo serves 16 European countries, and Moss Germany, the Netherlands, the UK and other EU markets.
- How do receipts, coding and approvals reach your accounting software?Pleo syncs to accounting software automatically, Moss prepares the close with AI pre-accounting, Expensify exports to accounting software, and Ramp's AI agents handle policy, accounting and AP on Ramp Plus.
- Is it priced per user, by plan, or paid for out of card interchange?Pleo charges £8 to £18 per user a month in the UK, Expensify US$5 or US$18 per member a month, Emburse Spend from US$8 per user a month, and Brex US$12 per user a month on Premium. Brex, Ramp and Moss have free plans. Payhawk prices by module from US$299 a month. Coupa and Payflows do not publish prices.
Compare further
Common questions
What is spend management software?+
Software that controls company spending before and after it happens: corporate cards, expense reports and receipts, supplier invoices and payments, purchase approvals and budgets, with the data passed to the accounting system.
Which spend management tools have a free plan?+
Brex Essentials, Ramp's free plan and Moss's Cards or Accounts Payable plans cost nothing. Expensify starts at US$5 per member a month, Emburse Spend at US$8 per user a month and Pleo at £8 per user a month in the UK.
Which spend management tools are built for European companies?+
Moss is built for mid-sized businesses in Europe, with data hosted in the EU and regulation by BaFin. Pleo serves 16 European countries from Copenhagen. Payhawk, based in London, holds EU and UK e-money licences, and Payflows is based in Paris.
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