Best Expense Management Software with Credit Card Integration Capabilities

SAP Concur is a leading cloud-based spend management solution that helps small, medium, and large businesses automate and simplify expense reporting, travel booking, and invoice processing. It’s designed to give organizations better control over their business spend by integrating near real-time data and using AI to audit 100% of transactions. Employees can snap a picture of a receipt, book a business trip, or submit an expense report right from their phone. Meanwhile, finance teams can track spending in real time, automate approvals, and make sure everything follows company policies. Stay organized and save time, cut down errors and keep things moving without getting buried in paperwork. Integrated AI-enabled solutions help you enforce travel and expense policies, stay compliant and make more informed decisions with up to date spend data.

BILL Spend & Expense is an expense management and spend tracking platform that enables businesses to control, automate, and gain real-time visibility into company spending through smart corporate cards and centralized expense management workflows. This expense management and corporate card software is designed for small to midsize businesses that want to simplify employee purchasing, enforce spending policies, and reduce manual reconciliation tasks. BILL Spend & Expense equips finance teams, controllers, and department managers with tools to issue corporate cards, monitor spending in real time, and streamline the process of submitting, reviewing, and approving expenses. Key features of BILL Spend & Expense include: - Instant corporate card issuance with customizable spending limits by user, team, or category - Real-time expense tracking with transaction-level visibility and automatic receipt matching - Policy enforcement and approvals built into the spend workflow to support compliance - Mobile and desktop access for employees to request funds, upload receipts, and categorize transactions - Accounting integration with systems like QuickBooks, Xero, and NetSuite to reduce reconciliation time BILL Spend & Expense helps companies proactively manage employee-initiated spending and reduce end-of-month surprises. With automated controls and flexible card issuance, businesses can empower teams to spend responsibly while maintaining clear oversight. The platform is often deployed alongside accounts payable automation tools to deliver a comprehensive view of both discretionary and non-discretionary spend. By combining corporate cards with expense management in one solution, BILL Spend & Expense allows finance leaders to better forecast spend, improve accountability, and close the books faster.

Paylocity delivers the most innovative technology bringing HR, Finance, and IT together in one modern, easy-to-use platform to empower teams, simplify processes, and deliver real results. Run payroll, benefits, talent and workforce management while also managing all non-payroll spend including expenses, accounts payable, corporate cards, procurement, and headcount planning. Anchored to a single employee record, policy, limit, and approval workflows stay in lockstep as people join, move, and grow. We're more than a platform, we’re the partner helping you shape the future of work.

Navan is the all-in-one solution that makes travel and expense management easy.

Expensify is the easiest way to do your expenses, travel, and corporate cards. Built for businesses of all sizes and trusted by 15 million members worldwide. Don't believe us? Even G2 uses Expensify!

Brex is a unified spend platform that makes it easy to control every type of spend. Control your spend worldwide with corporate cards, expense management, reimbursements, travel, bill pay, and business accounts — all in one unified system. 95% of customers say switching to Brex is easy. And tens of thousands of companies including Indeed, SeatGeek, DoorDash and thousands more choose Brex for customizable workflows that can handle complex and diverse types of spend and enable the highest levels of compliance with the least amount of friction for employees. This saves time and money through better, proactive controls.

Zoho Expense is a leading travel and expense management solution that has helped businesses streamline corporate travel, automate expense reporting, and gain complete control over spend.   We’ve primarily built the software to cut overspending at its source, minimize manual intervention, prevent policy breaches and fraudulent claims, and provide insights into discretionary spending to improve your business’s productivity, cash flow, and overall financial health.   Zoho Expense has helped businesses in over 150 countries automate every aspect of T&E management, from expense report submission and approval to compliance, fraud detection, card reconciliation, and expense accounting.   Available as both a web-based and mobile application, Zoho Expense fits your existing workflow by seamlessly integrating with other applications in your current software ecosystem. Additionally, a high degree of customization ensures organizations can implement Zoho Expense quickly, effectively, and without changing existing processes.   Organizations including startups, unicorns, and enterprises, including Zoho itself, use Zoho Expense for their T&E management. The best way to find out why is by signing up for a free trial now!

Sage Expense Management (formerly Fyle) is an AI-powered expense management software built to automate and simplify how businesses handle employee expenses and corporate credit card transactions. Works with your existing credit cards: Sage Expense Management connects directly to credit card networks (Visa, Mastercard, American Express). This means that as soon as a card is swiped, the transaction data is sent to our platform. Users instantly receive a text notification and can simply reply with a picture of the receipt for instant, automated reconciliation. Effortless expense submission: Employees can submit expenses from everyday apps, including Text Messages, Gmail, Outlook, or our easy-to-use mobile and web app. Our AI-powered OCR engine automatically extracts, codes, and categorizes data from receipts and allocates it to the right projects & cost centers. Automated, compliant workflows: Transactions appear the moment they occur, with instant policy checks that flag errors or out-of-policy spend. Further, you can set up multi-level approval workflows and track expense approvals in real time. Seamless accounting integrations: Sage Expense Management offers two-way integrations with QuickBooks Online, QuickBooks Desktop, Xero, NetSuite, Sage Intacct, and Sage 300 CRE. It automatically exports your expense data to your accounting software, mapping all key dimensions, including your Chart of Accounts, GL codes, projects, and employees. This ensures that every expense is accurately coded, eliminating the need for manual data entry. 2,000+ teams trust Sage Expense Management to simplify expense management. Learn more at www.fylehq.com

Pleo is a comprehensive spending solution designed to streamline expense management for companies of all sizes. This innovative platform provides employees with smart company cards, enabling them to make necessary purchases without the hassle of tracking down receipts or managing reimbursements. With Pleo, organizations can gain real-time visibility into their spending, reduce administrative burdens, and foster a culture of trust and autonomy among team members. Targeted primarily at businesses looking to enhance their financial processes, Pleo caters to a diverse audience, including finance teams, HR departments, and employees across various sectors. The solution is particularly beneficial for companies that want to empower their staff while maintaining control over expenditures. By simplifying the expense management process, Pleo allows teams to focus on their core responsibilities rather than getting bogged down by paperwork and manual tracking. One of the key features of Pleo is its automated expense management system, which eliminates the need for tedious paperwork and manual entry. As soon as a purchase is made using a Pleo card, notifications are sent to administrators, ensuring that there are no unexpected expenses at the end of the month. This level of transparency is a significant advantage, as it allows companies to monitor spending in real-time and adjust budgets as necessary. Many users report that this feature has increased their overall productivity and enhanced their understanding of financial flows within the organization. Pleo also offers customizable spending limits for each cardholder, giving businesses the flexibility to manage their budgets effectively. This feature allows organizations to set individual limits based on roles or departments, ensuring that spending aligns with company policies. The ability to adjust these limits as needed further enhances control over finances, making it easier for administrators to respond to changing business needs. Ultimately, Pleo empowers teams by removing the constraints of traditional expense management. By providing employees with the tools they need to make purchases directly, companies can save significant time and resources. On average, Pleo admins report saving up to 138 hours annually, allowing them to redirect their efforts toward more strategic initiatives. This combination of efficiency, transparency, control, and freedom makes Pleo a valuable asset for organizations aiming to optimize their financial operations.

Webexpenses is a trusted global provider of spend management solutions, empowering 2,000+ finance teams in over 70 countries. Our platform combines smart Expense Cards with cloud-based software to give businesses total control over their spending. Designed for businesses of all sizes, Webexpenses automates processes, enforces policies proactively, and controls costs, freeing up resources to focus on growth. Our award-winning solution reduces T&E spend by up to 30%. For direct company spend, our integrated Expense Cards automate the process, feeding transactions into the platform in real-time. For out-of-pocket costs, users can instantly build claims from scanned receipts with our intuitive mobile app. This provides finance teams with unparalleled visibility, ensures policy compliance at the point of sale, and provides robust cost control. Beyond expenses, Webexpenses offers a unified platform for total spend management, including invoice processing, payments, and advanced auditing for all transactions—from both claims and cards. Our tools detect errors, prevent fraud, and maximise tax reclaims, helping businesses achieve compliance and save money effortlessly. Automate your expenses. Enforce your policies. Control your costs. With Webexpenses, managing company spend has never been easier.

Emburse brings together some of the world’s most powerful and trusted spend optimization solutions. As part of our product portfolio, Emburse Professional carries a promise to humanize work while delivering expense, accounts payable, and business travel solutions for growing organizations. Emburse Expense Professional simplifies expense management by replacing manual tasks with time-saving automation and greater spend control and visibility while providing great administrative and end-user support. With Emburse Professional's automated expense report creation, integrated spend request and card issuing workflow, embedded audit capabilities, and mobile receipt capture, expense reporting has never been so easy. Employees, managers, and accountants can create, submit, and approve expense reports, check the status of expense reports, and access reports on demand. Emburse Professional offers a broad range of integrations, seamless travel booking, on-demand support for all users, and much more.

Paycom Software, Inc. (NYSE: PAYC) simplifies business and employees’ lives through automated, command-driven HR and payroll technology that revolutionizes data access. From hire to retire, Paycom’s employee-first technology leverages AI and full-solution automation to streamline processes and drive efficiencies in a truly single database, providing a seamless experience for Paycom’s clients and their employees. With its industry-first AI engine, IWant™, Paycom provides instant and accurate access to employee data without having to navigate or learn the software. For over 25 years, Paycom has been recognized for its innovative technology and workplace culture while serving businesses of all sizes in the U.S. and internationally.

Paychex Flex® is an all-in-one HR solution designed with simplicity in mind. With technology that grows and changes with your business, Paychex has the right combination of innovative business solutions and dedicated support to help you reach your goals, wherever your business is going.​ •Hire, pay, manage, and retain employees with confidence​ •Get experienced, award-winning support where and when you need it with our 24/7/365 live support team​ •Stay ahead of changing laws and regulations with our compliance experts​ •Access your information on the go with the Paychex Flex Mobile App Talent Management: Recruit, retain, and develop top talent from a single HR platform and streamline your hiring and onboarding process. ​ Workforce Management: Improve employee efficiency and productivity with our vital workforce management resources. ​ Payroll and Financial Support: Easily pay employees and manage taxes, expenses, and more, so you can continue to focus on your business. ​ Employee Benefits: Attract and retain top talent by offering valued employee benefits while simplifying your plan administration. ​ PEO and HR Outsourcing: Support your business throughout the entire employee lifecycle with our comprehensive HR outsourcing solutions. ​ Employee Experience: Save time and improve accuracy by giving employees access to self-service HR, training, and financial tools. ​ Integrations: Automatically and accurately connect and share data between your software and Paychex Flex.​ Choose the right level of technology and support for your business now — while keeping the ability to grow as your needs change. See why Paychex is the largest HR company for small to medium-sized businesses and let us simplify your payroll experience.

Teampay’s all-in-one spend management features built-in controls that enforce your policy upfront and enable you to manage all company spend in one place. While finance teams maintain total control, managers and employees get real-time visibility into actual spend, empowering them to make quick, compliant purchases. Teampay makes it easy for everyone in the company to buy what they need while giving the finance team peace of mind with automated purchasing workflows and reconciliation. With Teampay, you can manage all types of purchasing, made by anyone, from end-to-end. Employees love the effortless experience, and Finance teams can breathe easy knowing that all spending is pre-coded & pre-approved. Teampay directly integrates with Quickbooks Online, Xero, Intacct, Netsuite, and Microsoft Dynamics 365 Business Central and Finance & Operations.

Happay is an AI-powered Travel and Expense Management platform trusted by 8,000+ businesses across 30+ countries and 40+ industries for over 12 years. It unifies corporate travel bookings, expense tracking, reimbursements, and compliance on one integrated web and mobile platform. For travel, Happay offers a powerful Self-Booking Tool with live flight and hotel inventory, a built-in Policy Engine for real-time compliance, multi-level approval workflows, a GST Engine to maximize input tax credits, and analytics dashboards that deliver 100 % visibility and cost control. For expenses, Happay’s Xpendite auto-captures receipts from 5 sources, while SmartAudit flags policy violations proactively. Features like forex and per diem management, route tracking, and automated reporting make reimbursements faster and error-free. With ERP, HRMS, SSO, and corporate-card integrations, Happay empowers finance, travel, HR, and procurement teams to automate spend, improve compliance, and enhance employee experience.