# Equals Reviews **Vendor:** Equals **Category:** [Embedded Payments Software](https://www.g2.com/categories/embedded-payments) **Average Rating:** 4.5/5.0 **Total Reviews:** 194 ## About Equals Equals is the next-generation global money movement platform built for exceptional businesses operating across borders. We bring international payments, embedded finance, and more together into a single connection that simplifies operations and strengthens financial control. With deep expertise and integrated infrastructure, Equals turns financial complexity into reliable solutions. With over 18 years of experience, Equals has established itself as a trusted partner for over 50,000 businesses, managing and moving more than £50 billion globally. The target audience for Equals includes businesses of all sizes looking to enhance their financial operations. Whether an SME needs to manage its expenses or a large corporation requires efficient international payment solutions, Equals caters to a diverse range of use cases. The platform supports over 60 currencies, offering favourable rates for corporate foreign exchange (FX) and international payments. This capability is particularly beneficial for companies operating in multiple markets, as it allows them to hedge against currency fluctuations\* and streamline their payment processes. One of the standout features of Equals is the infrastructure for embedded finance, enabling businesses to build and scale financial products without owning the complexity. Through a single API or fully branded white-label solution, companies can embed global payments, accounts, cards, and compliance directly into their operations. Its multi-currency accounts, which come with their own International Bank Account Number (IBAN) allows businesses to manage over 35 currencies directly, facilitating seamless transactions without the need for currency conversion. The direct connection to major payment networks, including SWIFT and UK Faster Payments, ensures that users can send and receive funds efficiently. Equals also provides spend management software that simplifies employee expense tracking and cash flow management. Managers can gain a comprehensive view of all transactions, issue business prepaid cards rapidly, and set permissions based on team roles. This level of control not only streamlines monthly reconciliation but also integrates with popular accounting software like Xero and Concur® Expense, making it easier for businesses to maintain accurate financial records. Overall, Equals stands out in the financial technology landscape by offering a versatile, user-friendly platform that addresses the complex needs of modern businesses. With a commitment to safeguarding customer funds through designated accounts with Tier 1 banks, Equals ensures that users can trust their financial operations are secure while benefiting from a wide range of innovative features tailored to enhance their financial management capabilities. \*Equals can only offer forward contracts to facilitate payments for goods and services. Once your rate is locked, please be aware that you are committed to that rate regardless of how it moves after booking. \*\*Fees may apply to issue cards. Equals accounts are not covered by the Financial Services Compensation Scheme (FSCS). Instead, your money is protected via a safeguarding method in accordance with the Payment Services Regulations/ E-money Regulations. Money is held in specially designated safeguarded bank accounts with Tier 1 banks and is kept separate from company assets. Terms and Conditions apply, please see product FAQs for further queries. ## Equals Pros & Cons **What users like:** - Users appreciate the **user-friendly mobile app** of Equals Money, simplifying transactions and enhancing business management on-the-go. (17 reviews) - Users value the **ease of use** of Equals Money, appreciating its user-friendly features and efficient management capabilities. (14 reviews) - Users appreciate the **convenience** of Equals Money for easy spending management and real-time access to information. (9 reviews) - Users value the **quick and easy management of funds** through Equals Money's virtual cards, enhancing financial control. (9 reviews) - Users praise the **quick and friendly customer support** of Equals Money, enhancing their overall experience effectively. (8 reviews) - Time-saving (8 reviews) - Expense Management (7 reviews) - Users value the **simplicity of use** and excellent customer service provided by Equals Money for managing finances. (7 reviews) - Speed (7 reviews) - Easy Upload (6 reviews) **What users dislike:** - Users find the **receipt management features lacking** , with limited sophistication and challenges in tracking and uploading receipts. (6 reviews) - Users experience **limited acceptance** of Equals Money, facing issues with card usability across different airlines and countries. (5 reviews) - Users face **approval issues** with Equals Money, struggling with bank reconciliations and app functionality disruptions. (4 reviews) - Users find Equals Money has **limited functionality** , lacking sophisticated features and robust receipt management options. (4 reviews) - Users find the **poor interface design** of Equals Money challenging, hindering navigation and complicating essential tasks. (4 reviews) - UX Improvement (4 reviews) - Inadequate Categorization (3 reviews) - Linking Issues (3 reviews) - Manual Entry (3 reviews) - Photo Issues (3 reviews) ## Equals Reviews ### 1. Efficient Spend Management for Growing Teams **Rating:** 5.0/5.0 stars **Reviewed by:** Prasanna G. | Software Test Engineer, Small-Business (50 or fewer emp.) **Reviewed Date:** May 03, 2026 **What do you like best about Equals?** What I like most about Equals Money is the level of control and visibility it provides over company spending, without making anything feel complicated. Real-time transaction tracking and customizable spending limits make it much easier to monitor expenses across teams and prevent unnecessary overspending. Another standout is how quickly you can issue both physical and virtual cards. The virtual cards have been especially helpful for managing online subscriptions and vendor payments more securely, and the spend controls make it easier to keep budgets organized by department or project. I also appreciate how smoothly it integrates with accounting tools like Xero. Having transactions and receipts sync automatically saves a lot of time on manual reconciliation and helps reduce errors for finance teams. One unexpected benefit is how much simpler employee expense management becomes when everyone has clear spending permissions and receipts are attached directly to transactions. It creates a cleaner audit trail and noticeably speeds up approvals and reporting. Overall, the platform feels user-friendly while still offering strong financial controls for growing teams. **What do you dislike about Equals?** One area where Equals Money could improve is the reporting and analytics experience. While the platform offers helpful visibility into transactions, building highly customized reports or pulling deeper spending insights can sometimes feel limited compared with more advanced finance platforms. More flexible filtering options and greater dashboard customization would make reporting even more valuable for finance teams. Another challenge is that certain workflows—such as expense approvals or account setup changes—can occasionally take longer than expected, especially when multiple users or permissions are involved. A more streamlined admin experience, with clearer navigation and more intuitive permission management, would help reduce operational friction. The mobile experience is generally functional, but at times uploading receipts or moving between expense-related features feels less smooth than on desktop. Improving mobile responsiveness and simplifying a few key user flows would make it more convenient for employees who need to manage expenses on the go. It would also be helpful to have more proactive notifications or alerts for failed payments, expiring cards, or unusual spending activity, so teams can respond faster without having to constantly check the platform manually. **What problems is Equals solving and how is that benefiting you?** Before using Equals Money, managing company expenses and business payments was quite fragmented. We relied on manual reimbursement processes, shared corporate cards, and spreadsheets to track spending, which often caused delays, missing receipts, and limited visibility into where money was being spent. Equals Money helped centralize expense management, card spending, and payment tracking into a single platform. The ability to issue individual virtual and physical cards with predefined limits solved a major challenge around controlling team expenses while still giving employees flexibility to make necessary purchases. One of the biggest improvements has been real-time visibility into transactions. Instead of waiting until the end of the month to review expenses, finance teams can now monitor spending instantly, which has helped reduce unnecessary costs and improved budget control. Receipt collection and expense reconciliation are also much faster because employees can upload receipts directly against transactions. The automation and integrations have significantly reduced manual work. Tasks that previously took hours — like matching transactions, verifying expenses, and preparing reports — can now be completed much more efficiently, saving both time and administrative effort. This has improved the overall workflow for both finance teams and employees while creating a cleaner audit trail and better compliance with company spending policies. Another benefit has been improved security and control. Virtual cards for subscriptions or vendor payments reduce the risks associated with shared cards, and spending controls help prevent accidental overspending. Overall, the platform has streamlined financial operations, improved transparency, and reduced the operational burden of managing business expenses. ### 2. Intuitive Interface But Needs Enhanced Support **Rating:** 4.0/5.0 stars **Reviewed by:** Anastasija C. | Head of Financial Operations, Mid-Market (51-1000 emp.) **Reviewed Date:** April 24, 2026 **What do you like best about Equals?** I find the interface of Equals Money to be really good and great for navigating. It's super useful and easy to use, especially for sending payments across the world. The ability to split money into account balances and wallets is extremely valuable from a cash flow perspective. I also appreciate the easy flow and transparency of the platform, which helps understand the processes and charges involved, making it probably the easiest among all the banks in terms of understanding the flow and fees. **What do you dislike about Equals?** Probably the customer support team just because the process still relies on human interaction a lot. And on top of this, I'm not entirely sure if the team sits in different time zones, but I feel like whenever I submit a ticket, there is a considerable lag. It might be helpful to have more people who can respond within the time zone, or they could increase the capacity or educational awareness across the board. **What problems is Equals solving and how is that benefiting you?** I find Equals Money's interface great for sending payments globally. It's easy to navigate, and splitting money into account balances and wallets helps with cash flow. ### 3. Reliable Infrastructure with Room for Improvement **Rating:** 4.5/5.0 stars **Reviewed by:** Simon L. | Co-Founder, Small-Business (50 or fewer emp.) **Reviewed Date:** March 30, 2026 **What do you like best about Equals?** I really like the fantastic FX, payments, and cards infrastructure provided by Equals Money for Chorus clients. I also appreciate the reliable tech that they offer. Another thing that stands out is how they combine cutting-edge technology with personal service, enabling us to provide exceptional service thanks to the tech they supply. **What do you dislike about Equals?** Finance reporting and basic queries sometimes take months to be resolved. People don't always reply when they say they will and there's a lack of responsibility; instead of providing a date to complete tasks, things just drop into an abyss. Also, the initial setup was not that easy, though we were the first. **What problems is Equals solving and how is that benefiting you?** Equals Money provides a fantastic infrastructure for FX, payments, and cards, combining cutting-edge tech with personal service, which helps us offer exceptional service. ### 4. Effortless Expense Management, Needs Better Sync **Rating:** 5.0/5.0 stars **Reviewed by:** Marcos A. | Finance, Small-Business (50 or fewer emp.) **Reviewed Date:** December 09, 2024 **What do you like best about Equals?** I like how easy it is to manage and view card expenditure by employee. I can track down expenses by employee easily. I always know who spent what and know who to chase. **What do you dislike about Equals?** I find it very hard to reconcile the bank account by the statements they provide. Also, no integrations with accounting software. The lack of sync with QuickBooks made operations a bit difficult. **What problems is Equals solving and how is that benefiting you?** Equals Money helps me track expenses by employee easily, so I always know who spent what and who to chase. ### 5. Banking as a service **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Consumer Services | Mid-Market (51-1000 emp.) **Reviewed Date:** April 24, 2026 **What do you like best about Equals?** If there are issues we do have them escalated and it’s not a chat bot. Anjana is on it and addresses our needs - with that being said, the platform itself could use upgrades and the functionality could be improved. **What do you dislike about Equals?** Functionality and platform bugs need to be fixed. Easy to read bank statements and clear fees segmented should Also be more prominent **What problems is Equals solving and how is that benefiting you?** They’re letting us receive multi currency and pay in multi currency. The pots and segmented accounts are good ### 6. Great staff expense cards **Rating:** 4.0/5.0 stars **Reviewed by:** Jo T. | Finance Diretor, Small-Business (50 or fewer emp.) **Reviewed Date:** April 24, 2025 **What do you like best about Equals?** Equals cards are easy to manage across my whole team. The app and web interface is simple and intuitive and enables me to easily check spending and move balances between cards instantly. Bank transfers into the main account are instant. My staff have found the digital cards easy to setup and use. We use digital cards only and these are easy to add to phone wallets. Staff use their cards daily with no problems. On the few occasions I have used customer support it has been quick and efficient. **What do you dislike about Equals?** We are Quickbooks based and look forward to bank feed integration in the future. CSV downloads are easy to get and upload, but the date format (which includes a time stamp) does have to be manually changed which isn't ideal. **What problems is Equals solving and how is that benefiting you?** Staff no longer have to use their own funds and produce monthly produce personal expense reports. Admin time is dramatically reduced, and staff don't have to wait til month end for reimbursement. ### 7. Easy to set up, simple to use, highly recommended **Rating:** 5.0/5.0 stars **Reviewed by:** Nicholas S. | Operations Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** November 22, 2024 **What do you like best about Equals?** Setting up our account at Equals Money was really easy. Their customer support was responsive and got back to me quickly when I had some questions. There are plenty of useful features which help our charity to manage its money, **What do you dislike about Equals?** Overall we have found the platform easy to use and straightforward - I've not encounted any problems or dislikes yet. **What problems is Equals solving and how is that benefiting you?** Our charity holds funds that we distribute for particular good causes. Sometimes these involve purchasing goods and services directly for people in need. Our existing financial process of receiving invoices and paying on credit terms did not suit this method of grantmaking, but neither did we want to issue debit cards which could risk uncontrolled spending. Instead, Equals Money helps us to provide pre-paid debit cards to relevant members of staff, ensuring that restricted funds are not overspent, while recording their purchases in an easy to use format. ### 8. Specific Needs Met **Rating:** 4.0/5.0 stars **Reviewed by:** Kyle W. | Director, Small-Business (50 or fewer emp.) **Reviewed Date:** April 24, 2025 **What do you like best about Equals?** As a cash hungry business Equals allows our buy and sell stores to easily access cash from their own high streets as opposed to having to travel to our specific main bank. This saves tens of hours over the course of a year and we use it a lot. **What do you dislike about Equals?** During peak times money transfer from our main business bank account can take up to 20 minues. **What problems is Equals solving and how is that benefiting you?** We consider ourselvs a 'specific use business' in that we use Equals for a purpose not many others may, and yet it still flawlessly solves out problems. We require cash top ups to our high street buy and sell stores frequently and Equals takes the stress out of going to the bank multiple times weekly. Staff can access cash from ATMs on their own high streets and our stores are ready to buy products again at a moments notice. ### 9. User friendly platform **Rating:** 4.0/5.0 stars **Reviewed by:** Maia C. | Executive Coordinator, Small-Business (50 or fewer emp.) **Reviewed Date:** April 24, 2025 **What do you like best about Equals?** We've been using Equals Money for several months now, and it has completely transformed the way we manage our business expenses and international payments. The platform is intuitive, fast, and packed with features that really make a difference. The multi-currency accounts are a huge plus – no more worrying about conversion rates or hidden fees. **What do you dislike about Equals?** The user interface can be unintuitive at times, and we've experienced frequent glitches that required us to restart or contact support. **What problems is Equals solving and how is that benefiting you?** Equals Money has helped us gain clear visibility and control over company spending, thanks to real-time tracking and spend limits. It's also solved the issue of costly international payments by letting us hold and pay in multiple currencies at competitive rates. The platform saves us time, reduces manual work, and helps our team manage finances far more efficiently. ### 10. Affordable, Friendly and Simple **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Non-Profit Organization Management | Small-Business (50 or fewer emp.) **Reviewed Date:** April 30, 2025 **What do you like best about Equals?** As a charity we can't afford the cost of expense cards like Soldo, Expend and Pleo who charge a small fee per user every month. Equals gives us the main function of these cards: control over which staff members can access funds and how much. No monthly user fees, just a one-off fee per card! It provides a bank feed to Xero and limits can easily be set on line or using the app. The customer support is quick and friendly. **What do you dislike about Equals?** Equals does not sync to the Xero chart of accounts nor does it allow approval of expenses by a manager. You can by pass that by processing all of the payments directly in Xero from the bank feed : either by entering Bills, Spend Money Transactions or using Cash Coding. **What problems is Equals solving and how is that benefiting you?** Equals solves the problem of Contractors or volunteers having to spend their own money and then requesting reimbursement. We can simply give them a card and top it up when needed. Or deactivate it when it's not needed. ### 11. Equals Money card is convenient and easy to use for our purchases **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Non-Profit Organization Management | Small-Business (50 or fewer emp.) **Reviewed Date:** May 13, 2025 **What do you like best about Equals?** The Equals Money card is easy to use and allows us as a charity to efficiently manage our spending. The online portal is user friendly and we are able to access our information and statements in real time easily. We have also used the online chat function a few times which have promptly resolved our queries. **What do you dislike about Equals?** We have had no issues at all using our Equals Money card, with only a couple of refresh procedures required from that end to refresh the feed into Xero. **What problems is Equals solving and how is that benefiting you?** We are able to pre-load our card with available funds in an easily manageable way, which is of benefit to us as a charity which relies solely on funding. ### 12. Equals account for Care Home Business **Rating:** 4.0/5.0 stars **Reviewed by:** Lauren D. | Finance Officer, Small-Business (50 or fewer emp.) **Reviewed Date:** April 24, 2025 **What do you like best about Equals?** What we enjoy about our equals account is how quickly we can move money around our different cards and allocate money to each user The care homes can easily see their balance left for the month on the app and can put in a request for funds **What do you dislike about Equals?** The charge of withdrawing cash and the £12 fee for a new card **What problems is Equals solving and how is that benefiting you?** No cash in hand at our children homes - money easily transferred to our homes all around the country ### 13. Great software for management of card payments **Rating:** 4.5/5.0 stars **Reviewed by:** Dennis M. | Senior Accountant, Mid-Market (51-1000 emp.) **Reviewed Date:** November 23, 2024 **What do you like best about Equals?** Ability to upload invoices and annotations **What do you dislike about Equals?** Sometimes it is difficult to download statements due to the layout **What problems is Equals solving and how is that benefiting you?** Expense management for employees far away from the headquarters ### 14. Very happy with Equals Money **Rating:** 5.0/5.0 stars **Reviewed by:** Neil W. | Business Development Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** October 31, 2024 **What do you like best about Equals?** I recently moved across to EqualsMoney, and I couldn't be happier with the decision! The process of transferring money is smooth and straightforward, and not at all complicated. I use the cards weekly and the ease, very simple to intergarate into my day to day. Compared to other services, EqualsMoney offered competitive rates and a much more personalsed experience. Was a no-brainer when I was shoping around, and its pleasing that the customer expereince so far has been excellent. Overall, I highly recommend EqualsMoney to anyone looking for a reliable, fast, and secure money transfer service. **What do you dislike about Equals?** No physicals branches has not been a problem for me, at all! **What problems is Equals solving and how is that benefiting you?** Traditional banks and transfer services often charge high exchange rates and add hidden fees. Equals Money offers competitive exchange rates and transparent pricing, so I know exactly whatI 'm paying, saving significant costs on international transfers. And ease of corporate money management ### 15. Equals Money - an excellent option for us to provide easy debit card access to our employees **Rating:** 5.0/5.0 stars **Reviewed by:** Russ M. | Director, Small-Business (50 or fewer emp.) **Reviewed Date:** November 05, 2024 **What do you like best about Equals?** We have found Equals Money to be a very useful and cost effective way for our employees to use a debit card to make business related purchases while maintaining full controll over spending limits, card access etc. We changed over from a larger provider where the cost and level of customer service provided was simply not providing value for money for our charity, and have been very pleased with the change. The sign up process was easy and the follow up from Equals Money ensured that we were on the right service. Easy integration with out Xero bookkeeping service and the ability for cardholders to scan electronic receipts has been very useful. We have had no problems regularly using the cards. As a small company we feel very valued by Equals Money and the customer back up is very good. **What do you dislike about Equals?** More features are being regularly added to Equals Money and I think that the product will improve over time. A couple of things that we would like are automatic transfer of receipts into Xero (being worked on I believe) and perhaps a low balance alert would be useful (as it is a prepay card) **What problems is Equals solving and how is that benefiting you?** Equals Money allows us to provide the right level of spending authority to company employees. Previous providers were not cost effective for us and equals money has allowed us to eliminate the use of petty cash and expense claim back from employees, saving time and increasingour level of financial oversight **Official Response from Equals Team:** > Hello Russ, We're glad to hear that Equals Money has been a valuable and cost-effective solution for your charity. We appreciate your feedback and are continuously working to improve our product. Thanks, The Equals Money team ### 16. Excellent Customer Service **Rating:** 5.0/5.0 stars **Reviewed by:** Leigh G. | Facilities Administrator, Small-Business (50 or fewer emp.) **Reviewed Date:** November 02, 2024 **What do you like best about Equals?** Equals Money enables me to manage employee payment cards with ease from my laptop or mobile device. Adding funds to physical cards on the fly is seamless and adds convenience that is highly useful to employees in the field. The app allows me to check individual purchases on cards, block or temporarily suspend cards, set preferences on where cards can be used. Setting up the app was easy and integrating into our organisation was made simple via good communication. Customer service is friendly, prompt and effective. We use Equals Money every day to manage employees expenses. Equals Money was a fantastic upgrade for us which outshone the competition in most areas. **What do you dislike about Equals?** Finding something I dont like about Equals Money is hard as it does everything we need flawlessly. My only complaint is that it doesn't keep you signed in the app even though there is an option to do so. **What problems is Equals solving and how is that benefiting you?** Cuts down on paperwork and avoids confusion that can arise from many employees making expense payments. Avoids the issue of employees losing receipts leading to payment non verification as all transactions are recorded. **Official Response from Equals Team:** > Hi Leigh Thank you for sharing your experience with Equals Money. We're delighted to hear that our app has been seamless and convenient for managing employee payment cards. We're committed to providing friendly and prompt customer service, and we're glad to hear that it has been effective for you. We'll take note of your feedback regarding the sign-in issue, we hope to make updates in this area soon. Thanks, The Equals Money team ### 17. Great service! **Rating:** 4.5/5.0 stars **Reviewed by:** Steph B. | Office Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** October 31, 2024 **What do you like best about Equals?** The client portal is so easy to use and navigate, it is so simple to transfer funds, monitor transactions, and make any limits as required by the organisation. The feedback from workers has been nothing but positive. These cards have taken the stress away from staff, and are allowing them to achieve more in their sessions as they aren't as restricted with funds. **What do you dislike about Equals?** As an organisation, it has been challenging to incorporate our Equals Money account into our accounting records. This is simply a learning curve, and we foresee this to improve in coming months. **What problems is Equals solving and how is that benefiting you?** Some of our workers with high caseloads were struggling to finance their sessions with their own funds. Some workers were spending £500+ on activity expenses per month. As an organisation, we recognised that this was not sustainable for our staff. These cards have eliminated that stress off our workers, and allows them to attend various activities to engage with their clients. **Official Response from Equals Team:** > Hello Steph, Thank you for sharing your experience with us. We understand that integrating our account into your accounting records can be challenging, and we are committed to providing support and resources to help streamline this process for you. Please do let us know if there's any additional information or education you think would help you, or would have helped you at the start of this process, so that we can work to improve our service to you. Thanks, The Equals Money team ### 18. Equals has been a huge help in running my business efficiently **Rating:** 4.5/5.0 stars **Reviewed by:** Greta G. | Bookkeeper, Small-Business (50 or fewer emp.) **Reviewed Date:** April 25, 2025 **What do you like best about Equals?** It is easy to use and administer. When I had a problem I found my contact in Equals could not do enough to help. **What do you dislike about Equals?** There is not a running total balance on the transaction page. This makes it less easy to reconcile. **What problems is Equals solving and how is that benefiting you?** It allows us to easily identify who is making purchases and allows us to put a limit on each employees card ### 19. Slick product, dire customer service **Rating:** 1.0/5.0 stars **Reviewed by:** Verified User in Primary/Secondary Education | Small-Business (50 or fewer emp.) **Reviewed Date:** December 22, 2024 **What do you like best about Equals?** The service works really well, until you have an issue. Pre-loading the cards, managing the balances, viewing transations are all super smooth and I like the user interface. It is all very seamless and easy to use and did exactly what we needed it to. Allows us to manage company money with many cardholders. Love the receipt upload and notes function. As treasurer, it makes my life really simple. **What do you dislike about Equals?** It is slick and flawless until it all there is an issue and then it is dire. We made a transfer into the account and it didn't show up. Many many calls to both the sending bank (Lloyds) and Equals were made, and Equals were insistant to the point of being beligerant that Lloyds, not them, were at fault and had the respsonsibilty of 'finding the money'. Lloyds had traced it and given all the reference numbers needed and were incredulous at what had happened. Over a month of these phone calls ensued, with Lloyds saying one thing and Equals saying 'no, they're wrong, that's not how the banking system works', but refusing to talk to the other party. I had to threaten to take Equals to court for the money, before they suddenly 'found' it and said it had been transferred during a period of downtime and so had got lost. I did not realise they are not a bank in their own right. They are simply a fancy user interface, connecting to their own business bank in the background (Barclays). This means they take absolutely no accountability when something like this happens. They simply say, we are chasing with the bank - but you are not able to talk to the bank. Would be far better to just have a bank account with Barclays themselves, as Equals were just an extra obstacle in the way of resolving the problem. To add salt to the wound, a week after that was resolved, a transaction was allowed to go through on a card that was paused somehow - so I wouldn't trust that part of the system either. I am sad to leave because it has been slick and easy when it has worked, but I have lost all faith in them. **What problems is Equals solving and how is that benefiting you?** It helps me manage one central pot of money, but allow different people to access it and monitor their spend. ### 20. User friendly **Rating:** 4.0/5.0 stars **Reviewed by:** Timea T. | Finance and Management Information System Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** April 24, 2025 **What do you like best about Equals?** It is easy to use and great that virtual cards can be set up and managed for staff. Customer support is always helpful and prompt. **What do you dislike about Equals?** The only issue is that I can not make bank transfers from the cards. **What problems is Equals solving and how is that benefiting you?** Expenses for the business ie. stationery, printing etc. ### 21. Efficient and fit for purpose for my business **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Construction | Small-Business (50 or fewer emp.) **Reviewed Date:** April 25, 2025 **What do you like best about Equals?** Creating balances for my projects this helps me manage projects and when it comes to downloading and looking at expenditures on each project this works really well **What do you dislike about Equals?** The app sometimes doesn't blow up quickly **What problems is Equals solving and how is that benefiting you?** Managing spent on projects and how much we're spending on each project ### 22. Great and easy service for businesses and charities **Rating:** 5.0/5.0 stars **Reviewed by:** Amin K. | Finance Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** November 22, 2024 **What do you like best about Equals?** Expense Cards came quickly. Easy to set up Customer support team are very friendly and offer solutions User friendly **What do you dislike about Equals?** Would've liked an introduction to using the app to it's fullest capability. **What problems is Equals solving and how is that benefiting you?** Able to give colleagues and departments an expense card to use rather than settling reimbursements. ### 23. Good experience for our organisation **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Non-Profit Organization Management | Small-Business (50 or fewer emp.) **Reviewed Date:** November 22, 2024 **What do you like best about Equals?** The Equals Money dashboard is simple to use and gives me all the information I need. The app makes everything easier for me as well as if I get requests to top up money whilst I am not at my computer I can do this away from home. I have found the support to be good when I have issues. They are responsive and have got my issues sorted. **What do you dislike about Equals?** We have recently moved onto Equals Money and I've found a few little annoyances in the dashboard. They are not anything too bad and I expect they will get ironed out with future releases. Even with these annoyances, the dashboard is still a lot better than the old version. **What problems is Equals solving and how is that benefiting you?** We are a small voluntary organisation. Before we had Equals Money we either had to send cash advances to our volunteers to purchase what they needed to, and they had to keep the records of purchases and receipts. It was extra admin for them above their usual volunteering work. We had some volunteers who just submitted expenses claims, so it was work for me (another volunteer) dealing with the paperwork and paying their claims. SInce we got Equals it has revolutionised the way we work. We have no need to send them cash - we have become completely cashless. They simply use their cards and the only thing they need to do is upload their receipts, so it is much less work for them. They can use their cards to buy things online whereas previously they would have to use their own and claim it back. I can see "real time" what is being bought and through the dashboard I can see how much is left on their balances and top them up when needed. I have much less paperwork as I am not receiving expenses forms and receipts. As a volunteer treasurer it has made my life much easier admin wise. ### 24. A convenient and reliable finance card company **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Architecture & Planning | Small-Business (50 or fewer emp.) **Reviewed Date:** November 26, 2024 **What do you like best about Equals?** The customer service is very quick to respond and help out! Transfers are quick and the notes section on payments is useful to share comments between other staff members. **What do you dislike about Equals?** Once closing a balance on the account it is confusing if you open a new one in the same name as it still appears. **What problems is Equals solving and how is that benefiting you?** For those small business day-to-day purchases, saves having to send over POs and orders to finance. ### 25. User friendly and functional platform for pre-paid business cards **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Real Estate | Small-Business (50 or fewer emp.) **Reviewed Date:** April 24, 2025 **What do you like best about Equals?** The prepaid cards work just like a normal bank card and the platform allows visibility across the whole account as well as at an individual/card level. We find the ability to attach receipts/add detail on each transaction extremely useful. The account is easy to top-up and amend/update monthly spend/transaction levels. **What do you dislike about Equals?** The platform logs you out extremely quickly so you have to keep logging in if you're checking a lot of payments. **What problems is Equals solving and how is that benefiting you?** We had small amounts of 'pretty cash' hanging around and directors were using their credit cards for general office spending so the prepaid card function has been a great solution to monitor office spending/collate receipt expenditure. ### 26. Very easy to use **Rating:** 5.0/5.0 stars **Reviewed by:** Wendy B. | Accounts Assistant, Small-Business (50 or fewer emp.) **Reviewed Date:** October 31, 2024 **What do you like best about Equals?** We have used Equals Money since the beginning of 2024, and find the software so easy to use and navigation around the software is super easy. I cannot fault the software ! We only had one issue a few months back where our tranactions were not syncing. This was resolved quickly and we have not had any issues since! **What do you dislike about Equals?** I cannot fault the software ! Its a pleasure to use. **What problems is Equals solving and how is that benefiting you?** We give our repairs team members their own prepaid card ( with a limit of course) to purchase smaller items when attending to emergency repairs at our properties. This saves time by not having to get the accounts team involved to pay for small items. **Official Response from Equals Team:** > Hello Wendy, Thank you for your positive feedback! We're delighted that Equals Money has made managing transactions and prepaid cards so easy for your repairs team. We're committed to providing a seamless experience, and we're here to assist you with any future needs. Thanks, The Equals Money team ### 27. Excellent product and service. **Rating:** 5.0/5.0 stars **Reviewed by:** Dan O. | Curate, Small-Business (50 or fewer emp.) **Reviewed Date:** November 05, 2024 **What do you like best about Equals?** Equals was the perfect solution for our non-profit. We had a single bank account which needed multiple signatories to make transactions, plus we had many people who needed access to cards. Expenses took a very long time to process, so our team often went as long as possible without making the purchases they needed. So to be able to load up the account periodically and to give each team member their own card has made life so much easier! No more expneses to process, and the integration into Xero has made life much easier on the finance team. We use this all the time and couldnt work without it now. It was all so easy to set up, and anything we had an issue with was dealt with brilliantly by the customer support team. **What do you dislike about Equals?** Honestly, I havent found anything to dislike about Equals. **What problems is Equals solving and how is that benefiting you?** Equals allows us to streamline our purchasing. **Official Response from Equals Team:** > Hello, We're so pleased to hear that Equals Money has helped streamline your purchasing process. Thank you for choosing Equals and for sharing your positive experience with us! Thanks, The Equals Money team ### 28. Very good system with some minor flaws **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Media Production | Small-Business (50 or fewer emp.) **Reviewed Date:** October 31, 2024 **What do you like best about Equals?** The positives include that team members no longer need to carry cash when traveling overseas. The app is easy to understand, and uploading receipts is extremely straightforward. Downloading statements, whether for individual team members or for the team as a whole, was very simple. Customer support is exemplary and I made contact with them often. **What do you dislike about Equals?** As an Administrator, I needed to determine the total funds added to Equals. I found this to be a complex task, especially when dealing with multiple currencies over a four-month period. While I consistently checked with Equals regarding the countries the team was traveling to and whether the card could be used there, the teams occasionally faced challenges. They sometimes had trouble withdrawing cash or found that the card was not accepted. One drawback of downloading statements is that I had to create an additional column to calculate totals, as Equals deducts money from the overall amount. I found it difficult to create new folders for each country and its currencies, so I abandoned that idea and opted to use just one folder which was unsatisfactory **What problems is Equals solving and how is that benefiting you?** The teams no longer need to carry cash, whether in GBP or foreign currency, which reduces the risk of theft or loss. They find it very easy to upload receipts, allowing them to focus on their work without worrying about expenses. **Official Response from Equals Team:** > Hello, Thank you for sharing your detailed feedback on your experience with Equals Money. We're thrilled to hear that you appreciate the convenience of the app, the ease of uploading receipts, and the simplicity of downloading statements. Thank you for your feedback on your transactions. We are looking at making improvements and your comments on this area are helpful. We apologize for any challenges your team faced while using the card abroad and withdrawing cash, please contact your account manager directly to allow us to investigate this. Thanks, The Equals Money team ### 29. Making the move to Equals Money **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Civic & Social Organization | Small-Business (50 or fewer emp.) **Reviewed Date:** October 31, 2024 **What do you like best about Equals?** It's simple, using Equals Money has streamlined the way that my company manages our staff teams expenses. The app is intuitive, has a wealth of functions that manage company spending such as spending limits and recording of what is spent and how. Adding money is an easy process, the cost is fair for its functionality and the setup process was quick and easy. **What do you dislike about Equals?** I don't have any downsides to using equals money as we are very satisfied with how it works and its affordability. **What problems is Equals solving and how is that benefiting you?** My company has a growing staff teams expenses who before equals money were making expense claims that had to be manually handled by our administration. Using equals money means that everything is in one place. It's easy for the staff to make spends and request funds to be topped up as and when needed. Spending can be easily tracked, monitored and recorded against job lines. ### 30. Really easy to use and secure **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Higher Education | Small-Business (50 or fewer emp.) **Reviewed Date:** April 29, 2025 **What do you like best about Equals?** That it checks everytime we pay for something at my company, making it super secure **What do you dislike about Equals?** Not much to be honest, the interface is really easy to read too! **What problems is Equals solving and how is that benefiting you?** It makes it easier for multiple members of the team to have cards to use for different pots of money in our team, so it's easier to keep track of spending. ### 31. Useful tool but could be easier to use **Rating:** 3.5/5.0 stars **Reviewed by:** Eve G. | Growth and Compliance Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** November 22, 2024 **What do you like best about Equals?** It is great to be able to pool money in one area and keep track of spending from different account holders **What do you dislike about Equals?** It can be difficult to use, setting limits to different cards and giving access to the account funds has proven complicated. Also, setting limits can effect the access to the account money and can create issues when using the individual cards. **What problems is Equals solving and how is that benefiting you?** Equals money is helping with tracking spend amounts and keeping a log of where money from the business is typically going. It is allowing different people to use the account fund which is helpful. ### 32. Simple way to manage company payments without credit application **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Leisure, Travel & Tourism | Mid-Market (51-1000 emp.) **Reviewed Date:** April 24, 2025 **What do you like best about Equals?** App is straighforward to navigate, upload money direct to a number of virtual cards from bank account in minutes and offers a secure payment portal with ID verification checks when paying online **What do you dislike about Equals?** Some issues with app login on mobile phone, loading webpage instead of app. Some transactions require verification and on occasions this requires shutdown of the app rather than notifying by popup as with other payment portals **What problems is Equals solving and how is that benefiting you?** No need to go through credit checks and having crdit card limits in place, easy upload like a virtual debit card ### 33. Easy to use Petty Cash replacement **Rating:** 3.5/5.0 stars **Reviewed by:** Kasia J. | Management Accountant, Small-Business (50 or fewer emp.) **Reviewed Date:** October 31, 2024 **What do you like best about Equals?** Our business uses Equals Money debit cards for every day small expenditure for the office. It successfully replaced dealing with physical cash via Petty Cash Register. It was easy to connect the bank feed to our accoutning system Xero for month end reconciliation.Works fine. **What do you dislike about Equals?** The only downside I can see is that not always all transactions are feeded to Xero and I need to manually check in Equals portal online for the missing transactions to clear the diffrence at the and of the month. **What problems is Equals solving and how is that benefiting you?** Successfully replaced Petty Cash register. Easy for employees to use and for bookkeeper to reconcile. **Official Response from Equals Team:** > Hello Kasia, We're glad to hear that Equals Money has made managing petty cash easier for your business. We appreciate your feedback about the transactions not always feeding into Xero. Please get in touch with our team so that we can investigate this issue. Thanks, The Equals Money team ### 34. Easy to use expense card **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Primary/Secondary Education | Small-Business (50 or fewer emp.) **Reviewed Date:** April 24, 2025 **What do you like best about Equals?** Equals Money has a clear, easy-to-use app interface and multi-app (Apple wallet, Uber etc) integration and has made business expense accounting easy and quick. **What do you dislike about Equals?** Nothing - I find the interface intuitive and easy to use **What problems is Equals solving and how is that benefiting you?** Easy expense management with low fuss and strong integration across other spending apps. ### 35. Easy and reliable solution to workplace spending **Rating:** 5.0/5.0 stars **Reviewed by:** Heledd N. | Commercial Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** December 09, 2024 **What do you like best about Equals?** The ease of use. Everything is easily accessible in one place. **What do you dislike about Equals?** Sometimes the transactions take a little while to update (as they do with any credit card!). As I like to store the receipt straight after purchase, this occasionally slows the process. **What problems is Equals solving and how is that benefiting you?** Using Equalz Money for a specific project means that purchases are easily made and trakced on one place. This saves a lot of time working with a Finance team to request and process purchases. ### 36. Easy to use interface. Excellent offer for NFP's **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Non-Profit Organization Management | Mid-Market (51-1000 emp.) **Reviewed Date:** May 16, 2025 **What do you like best about Equals?** Ease of use. Great offer for Non-for-Profits **What do you dislike about Equals?** The app can be a bit buggy which can make its use sometimes difficult **What problems is Equals solving and how is that benefiting you?** Ability for Leadership Team to make direct business related purchases without need for reimbursement ### 37. Accomplished banking for businesses **Rating:** 5.0/5.0 stars **Reviewed by:** Alex S. | Financial Assistant, Small-Business (50 or fewer emp.) **Reviewed Date:** April 30, 2025 **What do you like best about Equals?** the real time expense tracking and the easy to use prepaid cards. **What do you dislike about Equals?** The time for customer service to respond. **What problems is Equals solving and how is that benefiting you?** Equals Money helps businesses control spending and improve financial visibility by offering real-time tracking, prepaid cards, and multi-currency accounts—all in one easy-to-manage platform ### 38. There are some great and terrible things about the new system. **Rating:** 2.5/5.0 stars **Reviewed by:** Verified User in Media Production | Mid-Market (51-1000 emp.) **Reviewed Date:** December 02, 2024 **What do you like best about Equals?** I love that you can no transfer money freely to and from the accounts balance. This wasn't an option before. I love that you now have virtual cards so people no longer need to rely on physical ones and can start spending as soon as their accounts are set up. The system for currency conversion has much improved. Being able to track exactly what the funds were for instead of trying to figure out chargeback refunds is so much easier. Customer Support has always been so easy and quick to get hold of. Generally I have nothing but good things to say about their service and help in the past. **What do you dislike about Equals?** Emails of top ups no longer include an option for a reference number. This makes them very difficult to allocate when filing. It's a real pain that there's now no filtering on card balances so you no longer have to see empty cards or being able to arrange them by alphabetical order. Makes them very difficult to navigate. The system for adding annotations onto transactions by clicking onto every one individually instead of being able to just type in a text box like you could on the old system is very bad. This adds a lot of time onto a task that didn't take anyway near as long. You can't allow users to only see certain cards. Unfortunately it's very much an all or nothing thing which has made extra work as I now need to give HOD's everyones balances manually instead of them being able to log in and see just their departments card balances. Unfortunately we cannot allow these people access to all cards other than their own departments as that results in a huge financial data breach. **What problems is Equals solving and how is that benefiting you?** It keeps a detailed log of all small petty cash that my production issues. Helps reconcile accounts and issue out funds quickly and effectively. ### 39. Works well, some teething issues but happy now **Rating:** 3.0/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** April 25, 2025 **What do you like best about Equals?** Ease of use from a front end perspective and integration with Xero **What do you dislike about Equals?** Sometimes have had issues with the app etc. and having to go onto website to approve payments **What problems is Equals solving and how is that benefiting you?** Integrates with Xero making it more simple for our finance team ### 40. Satisfied with onboarding process **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Food Production | Small-Business (50 or fewer emp.) **Reviewed Date:** November 25, 2024 **What do you like best about Equals?** Good customer service and response time. Helpful and friendly. Were very quick in responding to queries but was a bit disappointed a some misinformation I received regarding Xero integration. Appreciate that each balance has its own seperate account details. Also that able to use it as a digital card **What do you dislike about Equals?** I haven't yet properly started using it so I can't relly offer a proper judgement. It is easy to use, didn't know about app verification, had to reach out to find out what it was. Also, as mentioned, Xero integration would be much better if each balance can be linked to a different Xero as we have a number of different companies within one group using Equals. Also, it would be nice if we could delete balances ourselvs without having to ask Equals to do it for us. Another feature which would be nice would be if the account name of each balance reflected the balance name as opposed to the title balance, but it is helpful that each balance has its own seperate account details. **What problems is Equals solving and how is that benefiting you?** That we are able to issue purchase cards to employees, enabling them to have their own cards without having to share debit cards or anything like that ### 41. Nice and easy to use. **Rating:** 4.5/5.0 stars **Reviewed by:** Owais A. | Senior Operations Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** November 27, 2024 **What do you like best about Equals?** Equals Money has been very easy to use. The setup with the Account Manager made it really simple. Ordering mulitple cards with quick delivery times made it very easy. **What do you dislike about Equals?** There is not a lot to say here as when I have faced an issue customer support has been able to resolve. **What problems is Equals solving and how is that benefiting you?** I had issues intially where I needed a bit of customization on the annotations to upload images, however this was resolved later ### 42. Good but can improvement **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Banking | Small-Business (50 or fewer emp.) **Reviewed Date:** April 25, 2025 **What do you like best about Equals?** Other than the different currencies, we are happy with everything else **What do you dislike about Equals?** The interfaz with different currencies needs improvement, at the moment is slightly chaotic **What problems is Equals solving and how is that benefiting you?** It is a good platform for business expense management with different cards ### 43. Great for Charities **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Non-Profit Organization Management | Small-Business (50 or fewer emp.) **Reviewed Date:** April 24, 2025 **What do you like best about Equals?** Excellent offer for charities and non-profits and slick user interface for administration **What do you dislike about Equals?** Slight delay on printed cards but minor flaw considering the benefits **What problems is Equals solving and how is that benefiting you?** Quick access to spend from dedicated pots for groups of staff and/or volunteers ### 44. Best card for business **Rating:** 5.0/5.0 stars **Reviewed by:** Shubham D. | Account Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** November 22, 2024 **What do you like best about Equals?** Very easy to use with instant funds trafsfer facility within cards and witn both physical and virtual cards option which we can link witn apple pay and google wallet. And the best part is we can uplaod our business receipts for each and every transaction. **What do you dislike about Equals?** Statement in excel format should be simplified. **What problems is Equals solving and how is that benefiting you?** As we are movie production company, we just distribute the cards to authorised persons department wise and with specific load. ### 45. Fantastic experience and all that we've been looking for in a card service **Rating:** 5.0/5.0 stars **Reviewed by:** Gary M. | F, Small-Business (50 or fewer emp.) **Reviewed Date:** October 31, 2024 **What do you like best about Equals?** Very low fees, easily accessible and to use. **What do you dislike about Equals?** Haven't experience anything yet. Our transition has been seemless from our previous provider. **What problems is Equals solving and how is that benefiting you?** We run voyages at sea all round the country. We've been using cash in what is a very low cash world after Covid. Equals Money has solved all of our issues with 1 single card per boat and for multi-currencies. We can see trasnactions as and when they happen and manage spend per voyages far easier now. **Official Response from Equals Team:** > Hello Gary, We're happy to hear that Equals Money has solved your cash management issues and made it easier to track transactions and manage spend. Thank you for choosing our card service, and we look forward to continuing to work with you. Thanks, The Equals Money team ### 46. Amazing **Rating:** 4.5/5.0 stars **Reviewed by:** Regan C. | Financial Controller, Small-Business (50 or fewer emp.) **Reviewed Date:** April 24, 2025 **What do you like best about Equals?** Easy to use, user friendly and customer service is always efficient **What do you dislike about Equals?** Nothing, would be helpful to see some integration added in future to accounting systems (NetSuite eg) **What problems is Equals solving and how is that benefiting you?** No problems ### 47. Good solution for charity payment cards **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Civic & Social Organization | Small-Business (50 or fewer emp.) **Reviewed Date:** October 31, 2024 **What do you like best about Equals?** Equals Money provides a good deal for charities - we can give each person who needs one their own card and control the budget at their disposal without needing to pay out monthly charges for this facility. Also we can link Equals Money to Xero to automatically upload the transactions into our accounts system. **What do you dislike about Equals?** The reporting is a bit clunky with all the transfers between wallets appearing as transactions both in reports and in Xero. Also users tell me they can't go back and add receipts later if they didn't save them at the start. **What problems is Equals solving and how is that benefiting you?** People who need to purchase for the charity don't have to use personal cards or cards with a monthly fee. **Official Response from Equals Team:** > Hello, We're glad to hear that you are finding Equals Money beneficial for your charity's payment needs. We appreciate your feedback about the reporting and receipt features, please ensure you speak with our team about this to see if we can help you. Thanks, The Equals Money team ### 48. Great service, responsive staff, and good pricing. **Rating:** 4.0/5.0 stars **Reviewed by:** Alistair Tait S. | Director, Mid-Market (51-1000 emp.) **Reviewed Date:** October 31, 2024 **What do you like best about Equals?** Equals money is easy to use and give our firm great controls over staff spend. It was easy to open an account, and the customer support is available on the phone. Our staff use this daily, and the ability to upload receipts intergerate it into our accounts system was a real plus. **What do you dislike about Equals?** Equals money could improve the functionality of the mobile app for administrators. **What problems is Equals solving and how is that benefiting you?** It allows us to give staff access to funds via a card. ### 49. Monthly currency transfers to Uganda **Rating:** 4.5/5.0 stars **Reviewed by:** Roger P. | Treasurer and trustee, no paid staff all voluntary, Small-Business (50 or fewer emp.) **Reviewed Date:** October 31, 2024 **What do you like best about Equals?** We use Equals money almost exclusively every month for currency transfers to Uganda for our charity. Before making the choice of who to use for this service, we always check curency exchange rates on offer. In the vast majority of cases Equals Money comes out tops by offering the best rates on the day. There's always the option of a bit of negotiation, and I've always been treated well when making phone contacts. The service is upfront and professional, always confirmng rates and transfers by email as soon as they are actioned. **What do you dislike about Equals?** I cannot fault their service, fully professional and corteous at all times. **What problems is Equals solving and how is that benefiting you?** Straightforward currency transfers from GBP to UGX Ugandan shillings. **Official Response from Equals Team:** > Hello Roger, We're delighted to hear that you've had a great experience with our currency transfer service. Providing upfront and professional service, along with the great exchange rates, is our priority. Thank you for choosing Equals Money for your monthly transfers to Uganda! Thanks, The Equals Money team ### 50. Clear cut approach to financial assistance for our business **Rating:** 4.0/5.0 stars **Reviewed by:** sheila m. | Managing Director, Small-Business (50 or fewer emp.) **Reviewed Date:** April 24, 2025 **What do you like best about Equals?** Speed at which monies are allocated to our account **What do you dislike about Equals?** Nothing now the latest updates have been applied **What problems is Equals solving and how is that benefiting you?** maintaining our expenditure within several areas of our business - [View Equals pricing details and edition comparison](https://www.g2.com/products/equals-equals/reviews?section=pricing&secure%5Bexpires_at%5D=2026-06-04+16%3A26%3A57+-0500&secure%5Bsession_id%5D=3cc67ee3-c717-4b67-998a-2235d1c52024&secure%5Btoken%5D=9c75832a2248d28a8ffc39d68f490fee8abf55a1dce9b4a5503a05653eaa10e5&format=llm_user) ## Equals Features **Expense Reports** - Ease of Creating Expense Reports - Bank / Credit Card Integration - Smart Categorization - Digital Receipt Management - Currency Conversions - Credit Card Integration **Setup** - Data - Approvals - Alignment **Transactions** - Types - Global - Channels - Fees **Card Management** - Card Types - Card Controls - Card Personalization - Configuration - Fulfillment - Replacement **Connectivity** - APIs - Cards - Accounts - White-labeling **Payments - Embedded Payments** - Processing - Fraud Protection - Payment Methods **Agentic AI - Accounting & Finance** - Autonomous Task Execution **Agentic AI - Expense Management** - Autonomous Task Execution - Cross-system Integration **Performance** - KPIs - Benchmarks - Forecasting - Savings **Compliance** - Security - Fraud Protection - ID Verification **Controls** - Tokenization - Security - Card Networks - Integration - Testing - APIs **Compliance** - Reporting - Onboarding **Personalization - Embedded Payments** - Customer Onboarding - Checkout Customization - Localization - Merchant Portal **Integration** - Accounting - Foreign Exchange - AML & KYC **Payment Cards** - One-time Virtual - Recurring Virtual - Physical **Setup - Embedded Payments** - Payment Flows - APIs - Dispute Management **Agentic AI - Banking as a Service (BaaS)** - Decision Making **Client Invoicing** - Invoice Creation and Delivery - Electronic Payments - Project Accounting / Revenue Recognition **Reporting** - Real time - Multiple Views - Export - Budgets **Analytics - Embedded Payments** - Transactions - Reconciliation - Revenue **Agentic AI - Remittance & Money Transfer** - Cross-system Integration **Generative AI - Expense Management** - Image-to-Text - Text Generation - Text Summarization **Payments** - Vendor - Recurring - Employee Reimbursements - ACH **Agentic AI - Embedded Payments** - Cross-system Integration **Mobile** - Receipt Capture **Platform** - Complex Approval Workflow **Fraud & Risk Management** - Notifications - Unique Cards - Controls **Administration** - PCI Regulation Compliant **Agentic AI - Spend Management** - Proactive Assistance **Administration** - Business Tool Integration - Workflow - Policy Compliance Management - User, Role, and Access Management **Platform** - Reporting - APIs / Integration - Internationalization - Performance and Reliability - Mobile User Support ## Top Equals Alternatives - [Pleo](https://www.g2.com/products/pleo/reviews) - 4.7/5.0 (1,417 reviews) - [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) - 4.7/5.0 (8,944 reviews) - [Payhawk](https://www.g2.com/products/payhawk/reviews) - 4.5/5.0 (884 reviews)