# Equals Money vs Spenmo Comparison | | Equals Money | Spenmo | |---|---|---| | **Star Rating** | 4.5 out of 5 | 4.5 out of 5 | | **Total Reviews** | 194 | 60 | | **Largest Market Segment** | Small-Business (73.7% of reviews) | Small-Business (51.7% of reviews) | | **Entry Level Price** | Contact Us | Free Per Month | --- ## Top Pros & Cons ### Equals Money Pros: - Mobile App (17 reviews) - Ease of Use (14 reviews) Cons: - Receipt Management (6 reviews) - Limited Acceptance (5 reviews) ### Spenmo **Not enough data** --- ## Ratings Comparison | Rating | Equals Money | Spenmo | |---|---|---| | **Meets Requirements** | 8.7 (181 reviews) | 8.7 (44 reviews) | | **Ease of Use** | 9.0 (186 reviews) | 8.9 (43 reviews) | | **Ease of Setup** | 9.0 (163 reviews) | 8.6 (19 reviews) | | **Ease of Admin** | 9.0 (137 reviews) | 8.8 (20 reviews) | | **Quality of Support** | 9.1 (169 reviews) | 8.9 (41 reviews) | | **Has the product been a good partner in doing business?** | 9.2 (130 reviews) | 9.0 (20 reviews) | | **Product Direction (% positive)** | 9.2 (181 reviews) | 9.3 (35 reviews) | --- ## Pricing ### Equals Money #### Entry-Level Pricing Plan: Embedded Finance Solutions Price: Contact Us Description: Financial Infrastructure built for your customers Key Features: - Develop your own solutions with access to our payments, cards & account capabilities via our API - White label our products, accelerating your go-to-market speed with fully branded solutions - Send & receive funds through SWIFT, SEPA, UK Faster Payments, & USDC off-ramping, while benefiting from favourable FX rates [Browse all 6 editions](https://www.g2.com/products/equals-money/pricing) #### Free Trial No ### Spenmo #### Entry-Level Pricing Plan: Basic Price: Free Per Month Description: Ideal for small businesses to get started Key Features: - Unlimited Users - Up to 2 Admins - Up to 3 Teams [Browse all 3 editions](https://www.g2.com/products/spenmo/pricing) #### Free Trial No --- ## Features Comparison By Category ### Expense Management | Product | Score | Reviews | |---|---|---| | **Equals Money** | 7.8/10 | 137 | | **Spenmo** | 7.5/10 | 19 | #### Expense Reports | Feature | Equals Money | Spenmo | |---|---|---| | **Ease of Creating Expense Reports** | 7.9 (118 reviews) | 8.3 (11 reviews) | | **Bank / Credit Card Integration** | 8.2 (113 reviews) | 7.6 (12 reviews) | | **Smart Categorization** | 7.5 (104 reviews) | 7.4 (11 reviews) | | **Digital Receipt Management** | 7.9 (106 reviews) | 7.4 (11 reviews) | | **Employee Reimbursement** | Feature Not Available | 8.3 (13 reviews) | | **Currency Conversions** | 7.6 (109 reviews) | 7.9 (11 reviews) | | **Credit Card Integration** | 7.5 (96 reviews) | 8.2 (10 reviews) | #### Agentic AI - Expense Management | Feature | Equals Money | Spenmo | |---|---|---| | **Autonomous Task Execution** | Not enough data | Not enough data | | **Cross-system Integration** | Not enough data | Not enough data | #### Travel Management | Feature | Equals Money | Spenmo | |---|---|---| | **Ease of Booking** | Feature Not Available | 7.2 (9 reviews) | | **Itinerary Management** | Feature Not Available | 7.2 (6 reviews) | | **Trip Notifications** | Feature Not Available | 6.7 (6 reviews) | | **Advanced Integrations** | Feature Not Available | 6.9 (8 reviews) | #### Client Invoicing | Feature | Equals Money | Spenmo | |---|---|---| | **Invoice Creation and Delivery** | 6.7 (94 reviews) | 7.5 (6 reviews) | | **Electronic Payments** | 8.3 (110 reviews) | 8.9 (15 reviews) | | **Project Accounting / Revenue Recognition** | 7.6 (97 reviews) | 7.4 (7 reviews) | #### Generative AI - Expense Management | Feature | Equals Money | Spenmo | |---|---|---| | **Image-to-Text** | Not enough data | Not enough data | | **Text Generation** | Not enough data | Not enough data | | **Text Summarization** | Not enough data | Not enough data | #### Mobile | Feature | Equals Money | Spenmo | |---|---|---| | **Receipt Capture** | 7.9 (102 reviews) | 8.0 (10 reviews) | | **Mileage Tracking** | Feature Not Available | 7.4 (7 reviews) | | **Travel Itinerary and Flight Status Updates** | Feature Not Available | 6.7 (6 reviews) | #### Platform | Feature | Equals Money | Spenmo | |---|---|---| | **Embedded AI / Machine Learning** | Feature Not Available | 6.9 (7 reviews) | | **Complex Approval Workflow** | 7.1 (87 reviews) | 7.9 (8 reviews) | #### Administration | Feature | Equals Money | Spenmo | |---|---|---| | **PCI Regulation Compliant** | 7.5 (90 reviews) | 6.9 (7 reviews) | #### Administration | Feature | Equals Money | Spenmo | |---|---|---| | **Business Tool Integration** | 7.6 (105 reviews) | 6.3 (8 reviews) | | **Workflow** | 7.7 (105 reviews) | 6.8 (12 reviews) | | **Automated Reminders** | Feature Not Available | 7.7 (8 reviews) | | **Policy Compliance Management** | 7.7 (103 reviews) | 7.9 (8 reviews) | | **User, Role, and Access Management** | 8.6 (119 reviews) | 8.2 (13 reviews) | #### Platform | Feature | Equals Money | Spenmo | |---|---|---| | **Reporting** | 8.1 (113 reviews) | 8.2 (12 reviews) | | **APIs / Integration** | 7.1 (89 reviews) | 7.5 (8 reviews) | | **Internationalization** | 7.4 (93 reviews) | 7.5 (8 reviews) | | **Performance and Reliability** | 8.5 (111 reviews) | 8.3 (12 reviews) | | **Mobile User Support** | 8.6 (102 reviews) | 7.5 (12 reviews) | | **Offline** | Feature Not Available | 7.1 (7 reviews) | ### Spend Management | Product | Score | Reviews | |---|---|---| | **Equals Money** | 7.4/10 | 55 | | **Spenmo** | 8.6/10 | 22 | #### Setup | Feature | Equals Money | Spenmo | |---|---|---| | **Data** | 6.7 (48 reviews) | 8.9 (12 reviews) | | **Approvals** | 7.2 (50 reviews) | 8.5 (16 reviews) | | **Alignment** | 6.8 (46 reviews) | 8.5 (11 reviews) | #### Performance | Feature | Equals Money | Spenmo | |---|---|---| | **KPIs** | 6.7 (45 reviews) | 8.5 (8 reviews) | | **Benchmarks** | 6.7 (45 reviews) | 8.1 (8 reviews) | | **Forecasting** | 6.5 (45 reviews) | 7.9 (8 reviews) | | **Savings** | 6.5 (45 reviews) | 9.2 (8 reviews) | #### Payment Cards | Feature | Equals Money | Spenmo | |---|---|---| | **One-time Virtual** | 7.5 (46 reviews) | 9.1 (15 reviews) | | **Recurring Virtual** | 7.7 (47 reviews) | 8.6 (13 reviews) | | **Physical** | 8.7 (49 reviews) | 8.5 (11 reviews) | #### Reporting | Feature | Equals Money | Spenmo | |---|---|---| | **Real time** | 8.4 (49 reviews) | 9.0 (14 reviews) | | **Multiple Views** | 7.7 (47 reviews) | 8.7 (10 reviews) | | **Export** | 8.2 (47 reviews) | 8.6 (12 reviews) | | **Budgets** | 7.2 (46 reviews) | 8.3 (10 reviews) | #### Payments | Feature | Equals Money | Spenmo | |---|---|---| | **Vendor** | 7.5 (43 reviews) | 8.3 (11 reviews) | | **Recurring** | 7.6 (43 reviews) | 8.2 (10 reviews) | | **Employee Reimbursements** | 6.9 (43 reviews) | 9.3 (14 reviews) | | **ACH** | 7.2 (40 reviews) | 8.5 (8 reviews) | #### Fraud & Risk Management | Feature | Equals Money | Spenmo | |---|---|---| | **Notifications** | 7.8 (43 reviews) | 8.3 (10 reviews) | | **Unique Cards** | 7.9 (43 reviews) | 9.3 (14 reviews) | | **Controls** | 8.4 (47 reviews) | 9.1 (11 reviews) | #### Agentic AI - Spend Management | Feature | Equals Money | Spenmo | |---|---|---| | **Proactive Assistance** | Not enough data | Not enough data | ### Cross-border payments software | Product | Score | Reviews | |---|---|---| | **Equals Money** | 7.6/10 | 35 | | **Spenmo** | 8.0/10 | 8 | #### Transactions | Feature | Equals Money | Spenmo | |---|---|---| | **Types** | 7.2 (27 reviews) | 8.1 (6 reviews) | | **Global** | 7.1 (27 reviews) | 7.8 (6 reviews) | | **Channels** | 6.9 (26 reviews) | 7.7 (5 reviews) | | **Fees** | 7.5 (29 reviews) | 7.2 (6 reviews) | #### Compliance | Feature | Equals Money | Spenmo | |---|---|---| | **Security** | 8.6 (27 reviews) | 8.3 (7 reviews) | | **Fraud Protection** | 8.3 (26 reviews) | 8.6 (6 reviews) | | **ID Verification** | 8.6 (27 reviews) | 8.8 (7 reviews) | #### Integration | Feature | Equals Money | Spenmo | |---|---|---| | **Accounting** | 7.4 (28 reviews) | 7.2 (6 reviews) | | **Foreign Exchange** | 7.5 (29 reviews) | 8.6 (6 reviews) | | **AML & KYC** | 6.8 (22 reviews) | 8.1 (6 reviews) | #### Agentic AI - Remittance & Money Transfer | Feature | Equals Money | Spenmo | |---|---|---| | **Cross-system Integration** | Not enough data | Not enough data | ### AP Automation | Product | Score | Reviews | |---|---|---| | **Equals Money** | N/A | N/A | | **Spenmo** | N/A | N/A | #### Invoice Management | Feature | Equals Money | Spenmo | |---|---|---| | **Capture** | Not enough data | Not enough data | | **Supplier Portal** | Not enough data | Not enough data | | **Repository** | Not enough data | Not enough data | #### Invoice Processing | Feature | Equals Money | Spenmo | |---|---|---| | **Matching** | Not enough data | Not enough data | | **Payments** | Not enough data | Not enough data | | **Workflows** | Not enough data | Not enough data | | **Tax Compliance** | Not enough data | Not enough data | #### Analytics | Feature | Equals Money | Spenmo | |---|---|---| | **Due Dates** | Not enough data | Not enough data | | **Benchmarking** | Not enough data | Not enough data | | **KPIs** | Not enough data | Not enough data | #### Integration | Feature | Equals Money | Spenmo | |---|---|---| | **Accounting** | Not enough data | Not enough data | | **Payment Integration** | Not enough data | Not enough data | | **ERP** | Not enough data | Not enough data | #### Risk | Feature | Equals Money | Spenmo | |---|---|---| | **Analysis** | Not enough data | Not enough data | | **Identification** | Not enough data | Not enough data | | **Scoring** | Not enough data | Not enough data | #### Recovery | Feature | Equals Money | Spenmo | |---|---|---| | **Recoup** | Not enough data | Not enough data | | **Reporting** | Not enough data | Not enough data | #### Audit | Feature | Equals Money | Spenmo | |---|---|---| | **Filters** | Not enough data | Not enough data | | **Post Audits** | Not enough data | Not enough data | | **Overpayments** | Not enough data | Not enough data | | **Duplicates** | Not enough data | Not enough data | #### Fraud | Feature | Equals Money | Spenmo | |---|---|---| | **Vendor Checks** | Not enough data | Not enough data | | **Data Generation** | Not enough data | Not enough data | | **Monitoring** | Not enough data | Not enough data | #### Agentic AI - AP Automation | Feature | Equals Money | Spenmo | |---|---|---| | **Autonomous Task Execution** | Not enough data | Not enough data | | **Proactive Assistance** | Not enough data | Not enough data | | **Decision Making** | Not enough data | Not enough data | ### Invoice Management | Product | Score | Reviews | |---|---|---| | **Equals Money** | N/A | N/A | | **Spenmo** | N/A | N/A | #### Invoice Generation | Feature | Equals Money | Spenmo | |---|---|---| | **Templates** | Not enough data | Not enough data | | **Digital Invoices** | Not enough data | Not enough data | | **Recurring Invoices** | Not enough data | Not enough data | #### Invoice Processing | Feature | Equals Money | Spenmo | |---|---|---| | **Approvals** | Not enough data | Not enough data | | **Batch Processing** | Not enough data | Not enough data | | **Consolidation** | Not enough data | Not enough data | | **Match Invoices** | Not enough data | Not enough data | #### Analytics | Feature | Equals Money | Spenmo | |---|---|---| | **Due Dates** | Not enough data | Not enough data | | **Cashflow** | Not enough data | Not enough data | | **KPIs** | Not enough data | Not enough data | | **Payment Tracking** | Not enough data | Not enough data | #### Integration | Feature | Equals Money | Spenmo | |---|---|---| | **Accounting** | Not enough data | Not enough data | | **Payments** | Not enough data | Not enough data | | **ERP** | Not enough data | Not enough data | | **Account Sync** | Not enough data | Not enough data | #### Agentic AI - Invoice Management | Feature | Equals Money | Spenmo | |---|---|---| | **Cross-system Integration** | Not enough data | Not enough data | | **Adaptive Learning** | Not enough data | Not enough data | | **Proactive Assistance** | Not enough data | Not enough data | ### Payment Card Issuance | Product | Score | Reviews | |---|---|---| | **Equals Money** | 7.7/10 | 56 | | **Spenmo** | N/A | N/A | #### Card Management | Feature | Equals Money | Spenmo | |---|---|---| | **Card Types** | 8.8 (50 reviews) | Not enough data | | **Card Controls** | 8.8 (52 reviews) | Not enough data | | **Card Personalization** | 7.4 (44 reviews) | Not enough data | | **Configuration** | 8.0 (46 reviews) | Not enough data | | **Fulfillment** | 7.5 (43 reviews) | Not enough data | | **Replacement** | 8.4 (50 reviews) | Not enough data | #### Controls | Feature | Equals Money | Spenmo | |---|---|---| | **Tokenization** | 7.1 (36 reviews) | Not enough data | | **Security** | 8.0 (46 reviews) | Not enough data | | **Card Networks** | 7.6 (40 reviews) | Not enough data | | **Integration** | 7.4 (38 reviews) | Not enough data | | **Testing** | 6.8 (37 reviews) | Not enough data | | **APIs** | 6.7 (35 reviews) | Not enough data | ### Banking as a Service (BaaS) | Product | Score | Reviews | |---|---|---| | **Equals Money** | N/A | N/A | | **Spenmo** | N/A | N/A | #### Connectivity | Feature | Equals Money | Spenmo | |---|---|---| | **APIs** | Not enough data | Not enough data | | **Cards** | Not enough data | Not enough data | | **Accounts** | Not enough data | Not enough data | | **White-labeling** | Not enough data | Not enough data | #### Compliance | Feature | Equals Money | Spenmo | |---|---|---| | **Reporting** | Not enough data | Not enough data | | **Onboarding** | Not enough data | Not enough data | #### Agentic AI - Banking as a Service (BaaS) | Feature | Equals Money | Spenmo | |---|---|---| | **Decision Making** | Not enough data | Not enough data | ### Embedded Payments | Product | Score | Reviews | |---|---|---| | **Equals Money** | N/A | N/A | | **Spenmo** | N/A | N/A | #### Payments - Embedded Payments | Feature | Equals Money | Spenmo | |---|---|---| | **Processing** | Not enough data | Not enough data | | **Fraud Protection** | Not enough data | Not enough data | | **Payment Methods** | Not enough data | Not enough data | #### Personalization - Embedded Payments | Feature | Equals Money | Spenmo | |---|---|---| | **Customer Onboarding** | Not enough data | Not enough data | | **Checkout Customization** | Not enough data | Not enough data | | **Localization** | Not enough data | Not enough data | | **Merchant Portal** | Not enough data | Not enough data | #### Setup - Embedded Payments | Feature | Equals Money | Spenmo | |---|---|---| | **Payment Flows** | Not enough data | Not enough data | | **APIs** | Not enough data | Not enough data | | **Dispute Management** | Not enough data | Not enough data | #### Analytics - Embedded Payments | Feature | Equals Money | Spenmo | |---|---|---| | **Transactions** | Not enough data | Not enough data | | **Reconciliation** | Not enough data | Not enough data | | **Revenue** | Not enough data | Not enough data | #### Agentic AI - Embedded Payments | Feature | Equals Money | Spenmo | |---|---|---| | **Cross-system Integration** | Not enough data | Not enough data | ### Accounting & Finance | Product | Score | Reviews | |---|---|---| | **Equals Money** | N/A | N/A | | **Spenmo** | N/A | N/A | #### Agentic AI - Accounting & Finance | Feature | Equals Money | Spenmo | |---|---|---| | **Autonomous Task Execution** | Not enough data | Not enough data | --- ## Categories **Shared Categories (3):** [Cross-border payments software](https://www.g2.com/categories/cross-border-payments-software), [Spend Management Software](https://www.g2.com/categories/spend-management), [Expense Management Software](https://www.g2.com/categories/expense-management) **Unique to Equals Money (3):** [Banking as a Service (BaaS) Software](https://www.g2.com/categories/banking-as-a-service-baas), [Payment Card Issuance Software](https://www.g2.com/categories/payment-card-issuance), [Embedded Payments Software](https://www.g2.com/categories/embedded-payments) **Unique to Spenmo (2):** [Accounts Payable Automation Software](https://www.g2.com/categories/ap-automation), [Invoice Management Software](https://www.g2.com/categories/invoice-management) --- ## Reviewer Demographics ### By Company Size | Segment | Equals Money | Spenmo | |---|---|---| | **Small-Business** | 73.7% | 51.7% | | **Mid-Market** | 25.3% | 48.3% | | **Enterprise** | 1.0% | 0% | ### By Industry #### Equals Money - **Non-Profit Organization Management:** 11.5% - **Education Management:** 6.3% - **Media Production:** 6.3% - **Accounting:** 4.7% - **Higher Education:** 4.7% - **Hospital & Health Care:** 4.2% - **Motion Pictures and Film:** 4.2% - **Religious Institutions:** 4.2% - **Entertainment:** 3.6% - **Civic & Social Organization:** 3.6% - **Other:** 46.9% #### Spenmo - **Education Management:** 15.0% - **Information Technology and Services:** 15.0% - **Higher Education:** 11.7% - **Retail:** 8.3% - **Computer Software:** 6.7% - **Accounting:** 5.0% - **Consumer Goods:** 5.0% - **Automotive:** 3.3% - **Marketing and Advertising:** 3.3% - **Health, Wellness and Fitness:** 3.3% - **Other:** 23.3% --- ## Alternatives ### Alternatives to Equals Money - [Pleo](https://www.g2.com/products/pleo/reviews) — 4.7/5 stars (1435 reviews) - [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9090 reviews) - [Payhawk](https://www.g2.com/products/payhawk/reviews) — 4.5/5 stars (889 reviews) - [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5639 reviews) - [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1573 reviews) - [Alaan](https://www.g2.com/products/alaan/reviews) — 4.7/5 stars (718 reviews) - [Rydoo](https://www.g2.com/products/rydoo/reviews) — 4.4/5 stars (743 reviews) - [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (449 reviews) - [Spendesk](https://www.g2.com/products/spendesk/reviews) — 4.6/5 stars (413 reviews) - [Emburse Spend (formerly Abacus)](https://www.g2.com/products/emburse-spend-formerly-abacus/reviews) — 4.5/5 stars (1119 reviews) ### Alternatives to Spenmo - [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2414 reviews) - [BILL Spend & Expense (Formerly Divvy)](https://www.g2.com/products/bill-spend-expense-formerly-divvy/reviews) — 4.5/5 stars (2100 reviews) - [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1573 reviews) - [Corpay Cross-Border](https://www.g2.com/products/corpay-cross-border/reviews) — 4.5/5 stars (931 reviews) - [Spendesk](https://www.g2.com/products/spendesk/reviews) — 4.6/5 stars (413 reviews) - [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5639 reviews) - [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7055 reviews) - [SAP Ariba](https://www.g2.com/products/sap-ariba/reviews) — 4.1/5 stars (788 reviews) - [Coupa](https://www.g2.com/products/coupa-software-coupa/reviews) — 4.2/5 stars (569 reviews) - [Corpay Complete](https://www.g2.com/products/corpay-complete/reviews) — 4.6/5 stars (387 reviews) --- ## Top Discussions ### Equals Money No discussions available for this product. ### Spenmo No discussions available for this product. --- **Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/equals-money-vs-spenmo)