--- title: Spenmo Reviews meta_title: 'Spenmo Reviews 2026: Details, Pricing, & Features | G2' meta_description: Filter 60 reviews by the users' company size, role or industry to find out how Spenmo works for a business like yours. aggregate_rating: rating_value: 4.5 review_count: 60 scale: '5' date_modified: '2026-07-07' parent_category: name: Procurement url: https://www.g2.com/categories/procurement --- # Spenmo Reviews **Vendor:** Spenmo **Category:** [Spend Management Software](https://www.g2.com/categories/spend-management) **Average Rating:** 4.5/5.0 **Total Reviews:** 60 ## About Spenmo Spenmo is the go-to payments software for growing businesses. We are an end-to-end payables software that brings internal spend management, corporate cards, automated bill payments, approval workflows, and accounting reconciliation into an integrated view. Companies that use Spenmo save over 50 hours and $10,000 every month. Upon completing the Y-Combinator program in 2020, Spenmo has since grown to over 200 employees and raised over US$85M in venture capital from leading investors such as Y Combinator, Insight Partners, Addition, Salesforce, Global Founders' Capital and Alpha JWC. ## Spenmo Reviews ### 1. Spenmo review **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Education Management | Mid-Market (51-1000 emp.) **Reviewed Date:** June 08, 2022 **What do you like best about Spenmo?** Easy to use, very detailed and, and convenient use of payment method **What do you dislike about Spenmo?** I can only use it for online purchase but not offline purchase. Would love for it to have a scan to pay feature **What problems is Spenmo solving and how is that benefiting you?** Paying online transactions and making it easier ### 2. Easy to use **Rating:** 4.0/5.0 stars **Reviewed by:** Chandra Satria S. | Performance marketing, Mid-Market (51-1000 emp.) **Reviewed Date:** April 20, 2022 **What do you like best about Spenmo?** Easy to use and support most of online payment **What do you dislike about Spenmo?** I encounter an error so much when require an OTP **What problems is Spenmo solving and how is that benefiting you?** It replace the usage of credit card ### 3. Great experience to spend self allowance budget from my company **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Education Management | Mid-Market (51-1000 emp.) **Reviewed Date:** April 20, 2022 **What do you like best about Spenmo?** As I do not have credit card and my company gave self development budget, it is very easy to connect to virtual CC to ecommerce in Indonesia **What do you dislike about Spenmo?** If only virtual CC could be connected to Apple Wallet to buy applivation on Appstore it would have been better **What problems is Spenmo solving and how is that benefiting you?** I could add knowledge by buying books using spenmo ### 4. Useful Virtual Company Credit Card **Rating:** 4.0/5.0 stars **Reviewed by:** Glennardo R. | Business Development & Partnership Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** April 21, 2022 **What do you like best about Spenmo?** - User Interface is really easy to use and intuitive - Can be used anywhere that accepts credit cards **What do you dislike about Spenmo?** - Cannot be used for offline purchases at physical stores **What problems is Spenmo solving and how is that benefiting you?** - My company utilized Spenmo for employee benefits, specifically in self development area ### 5. Is really helpful. even people who use it for the first time in just an instant learn how to use it **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Professional Training & Coaching | Mid-Market (51-1000 emp.) **Reviewed Date:** April 19, 2022 **What do you like best about Spenmo?** The most helpful using spenmo is the process how to use it very easy and helpful **What do you dislike about Spenmo?** For 5 month using spenmo i think i dont have any issues so far **Recommendations to others considering Spenmo:** Its really good and very helpful using spenmo for daily transactions **What problems is Spenmo solving and how is that benefiting you?** Buying something very easy with the virtual card number and it can use anywhere place who has payment metode with cc card ### 6. Spenmo Review **Rating:** 3.5/5.0 stars **Reviewed by:** Teo Hogy W. | Senior Growth Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** April 20, 2022 **What do you like best about Spenmo?** Using the virtual card as a payment ment **What do you dislike about Spenmo?** Error in some platform (cant use the virtual card) **What problems is Spenmo solving and how is that benefiting you?** Disbursing allowance to staff and pay on platform ### 7. Good platform to manage employee needs! **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Higher Education | Mid-Market (51-1000 emp.) **Reviewed Date:** April 19, 2022 **What do you like best about Spenmo?** A good way to spent any work related thing. Good platform and have a good simple app with direct function and simple UI. **What do you dislike about Spenmo?** Sometime I found a bug on how to insert an attachment (for receipt) and part of vendors didn't accept spenmo card. **What problems is Spenmo solving and how is that benefiting you?** Help me on self development spent as what my company provide as a benefits. ### 8. Very easy to use **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Higher Education | Mid-Market (51-1000 emp.) **Reviewed Date:** April 21, 2022 **What do you like best about Spenmo?** easy to use, good tracking and reimbursement system that is very easy to use **What do you dislike about Spenmo?** Some of the platforms do not accept Spenmo as payment gateway **Recommendations to others considering Spenmo:** ensure that the payment gateway is compactible with what Spenmo is offering **What problems is Spenmo solving and how is that benefiting you?** Good way to distribute allowance to employees without mixing up with other payment/compensation so it doesn't get mixed up ### 9. It's very practical! **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Information Technology and Services | Mid-Market (51-1000 emp.) **Reviewed Date:** April 20, 2022 **What do you like best about Spenmo?** It's very accessible. I can access it quickly through PC & mobile apps. **What do you dislike about Spenmo?** Nothing so far. No complaints at all. Good job! **What problems is Spenmo solving and how is that benefiting you?** My company uses Spenmo for the employees' monthly bonus! I can buy books or book a counseling session and pay for them with Spenmo. ### 10. Spenmo is very easy to use especially for online transaction **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Higher Education | Mid-Market (51-1000 emp.) **Reviewed Date:** May 17, 2022 **What do you like best about Spenmo?** The card is virtual. So I don't need to worry that I will lose my debit card **What do you dislike about Spenmo?** not all tenants receive payment with virtual debit card **What problems is Spenmo solving and how is that benefiting you?** The easiness in doing online trannsactions ## Spenmo Discussions - [What is Spenmo used for?](https://www.g2.com/discussions/what-is-spenmo-used-for) - [View Spenmo pricing details and edition comparison](https://www.g2.com/products/spenmo/reviews?page=2§ion=pricing&secure%5Bexpires_at%5D=2026-07-21+06%3A09%3A02+-0500&secure%5Bsession_id%5D=2277c462-54fa-4452-8fc0-26ee1b64ddde&secure%5Btoken%5D=87468a011fc92375e907f02ed957abcb2f9c979154623aff25533853f0898854&format=llm_user) ## Spenmo Features **Expense Reports** - Ease of Creating Expense Reports - Bank / Credit Card Integration - Smart Categorization - Digital Receipt Management - Employee Reimbursement - Currency Conversions - Credit Card Integration **Setup** - Data - Approvals - Alignment **Transactions** - Types - Global - Channels - Fees **Invoice Management** - Capture - Supplier Portal - Repository **Invoice Generation** - Templates - Digital Invoices - Recurring Invoices **Agentic AI - Accounting & Finance** - Autonomous Task Execution **Agentic AI - Expense Management** - Autonomous Task Execution - Cross-system Integration **Travel Management** - Ease of Booking - Itinerary Management - Trip Notifications - Advanced Integrations **Performance** - KPIs - Benchmarks - Forecasting - Savings **Compliance** - Security - Fraud Protection - ID Verification **Invoice Processing** - Matching - Payments - Workflows - Tax Compliance **Invoice Processing** - Approvals - Batch Processing - Consolidation - Match Invoices **Integration** - Accounting - Foreign Exchange - AML & KYC **Analytics** - Due Dates - Benchmarking - KPIs **Analytics** - Due Dates - Cashflow - KPIs - Payment Tracking **Payment Cards** - One-time Virtual - Recurring Virtual - Physical **Client Invoicing** - Invoice Creation and Delivery - Electronic Payments - Project Accounting / Revenue Recognition **Integration** - Accounting - Payment Integration - ERP **Integration** - Accounting - Payments - ERP - Account Sync **Reporting** - Real time - Multiple Views - Export - Budgets **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 - Invoice Management** - Cross-system Integration - Adaptive Learning - Proactive Assistance **Mobile** - Receipt Capture - Mileage Tracking - Travel Itinerary and Flight Status Updates **Platform** - Embedded AI / Machine Learning - 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 - Automated Reminders - Policy Compliance Management - User, Role, and Access Management **Platform** - Reporting - APIs / Integration - Internationalization - Performance and Reliability - Mobile User Support - Offline **Risk** - Analysis - Identification - Scoring **Recovery** - Recoup - Reporting **Audit** - Filters - Post Audits - Overpayments - Duplicates **Fraud** - Vendor Checks - Data Generation - Monitoring **Agentic AI - AP Automation** - Autonomous Task Execution - Proactive Assistance - Decision Making ## Top Spenmo Alternatives - [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) - 4.8/5.0 (2,452 reviews) - [Brex](https://www.g2.com/products/brex/reviews) - 4.8/5.0 (1,588 reviews) - [BILL Spend & Expense (Formerly Divvy)](https://www.g2.com/products/bill-spend-expense-formerly-divvy/reviews) - 4.5/5.0 (2,217 reviews)