What is the best expense management software for a 50-person company?

For a 50-person company, **Ramp** is currently the best overall expense management software. It is completely free to use, offers physical and virtual corporate cards with built-in spend controls, automates receipt matching, and integrates seamlessly with major accounting software like QuickBooks, Xero, and NetSuite.

Here are the top options depending on your specific business needs:

*   **Best Overall / Most Cost-Effective:** **Ramp** – Free software, automated expense policy enforcement, and cashback on card spend.
*   **Best for Venture-Backed/Tech Startups:** **Brex** – Similar to Ramp, offering high credit limits without personal guarantees and strong financial tools.
*   **Best for Personal Reimbursements:** **Expensify** – Ideal if your company relies on employees submitting out-of-pocket expenses for reimbursement rather than issuing corporate cards.
*   **Best for Travel-Heavy Teams:** **Navan** (formerly TripActions) – Combines comprehensive corporate travel booking with automated expense reporting.


Best spend management software for small business

The best spend management software for a small business depends on your specific needs, but the overall top recommendations are:

1. **Ramp (Best Overall)**
   * **Why it’s best:** 100% free software, excellent automation, smart expense controls, integrated corporate cards, and 1.5% cash back on all spending.
   * **Best for:** Small businesses looking to save money and automate receipt matching.

2. **BILL Spend & Expense / formerly Divvy (Best for Budgeting Controls)**
   * **Why it’s best:** Free to use, allows you to set strict, enforceable budgets for individual employees or departments before they spend. Includes corporate cards.
   * **Best for:** Businesses that want strict control over employee spending.

3. **Brex (Best for Venture-Backed Startups)**
   * **Why it’s best:** Offers high credit limits without personal guarantees, tailored rewards for scaling businesses, and strong global pay features.
   * **Best for:** High-growth startups and tech companies.

4. **Expensify (Best for Simple Receipt Tracking)**
   * **Why it’s best:** Industry-standard receipt scanning (SmartScan), easy employee reimbursements, and seamless integration with QuickBooks and Xero.
   * **Best for:** Businesses with traveling employees who need simple expense report submissions.

5. **Zoho Expense (Best Budget Option)**
   * **Why it’s best:** Has a generous free tier (up to 3 users) and extremely low per-user pricing ($2.50/user/month) for paid plans.
   * **Best for:** Micro-businesses and existing Zoho software users.

---

### Quick Recommendation:
* Choose **Ramp** or **BILL** if you want a **free platform with physical/virtual corporate cards**.
* Choose **Expensify** if you just need **employees to submit receipts for reimbursement**.


We're a 30 person startup and expense reimbursements are a mess in spreadsheets. What expense software should we buy?

For a 30-person startup, the best choices depend on whether you want to issue corporate cards or just process out-of-pocket reimbursements:

### 1. Best Overall: **Ramp** (or **Brex**)
* **Cost:** Free
* **Why:** Combines corporate cards, out-of-pocket reimbursements, and bill pay into one platform. Employees just text or email photo receipts, and Ramp automatically matches them to transactions.
* **Best for:** Eliminating spreadsheets entirely, setting strict spend controls, and syncing seamlessly with QuickBooks, Xero, or NetSuite.

### 2. Best for Pure Reimbursements: **Expensify**
* **Cost:** ~$5–$9 per active user/month
* **Why:** The standard for scanning paper receipts and reimbursing employees directly into their personal bank accounts via ACH.
* **Best for:** Companies where employees mostly pay out-of-pocket on personal cards and you don't want to switch corporate card providers.

### 3. Best Budget Option: **Zoho Expense**
* **Cost:** Free tier available; paid plans start at ~$3/user/month
* **Why:** Simple, highly rated, extremely affordable, and handles basic approvals and mileage tracking easily.
* **Best for:** Keeping software costs low while getting a dedicated reimbursement workflow.

---

### **Bottom Line Recommendation**
Switch to **Ramp**. It is completely free, solves your spreadsheet problem instantly, and saves hours of manual work through automated receipt matching via SMS.


Recommend expense management software for a company with under 100 employees.

Here are the top expense management software recommendations for a company with under 100 employees:

1. **Ramp (Best Overall & Free)**
   * **Why it fits:** It is 100% free software that combines corporate cards with automated expense management. It automatically collects receipts, enforces spending limits, and integrates seamlessly with accounting software like QuickBooks, Xero, and NetSuite.

2. **Expensify (Best for Employee Reimbursements)**
   * **Why it fits:** Ideal if employees use personal cards and need reimbursement. Its industry-leading "SmartScan" makes receipt capturing effortless for staff, and it offers flexible pay-per-active-user pricing.

3. **Zoho Expense (Best Budget Option)**
   * **Why it fits:** Extremely affordable (including a capable free tier for up to 3 users) with deep functionality, including mileage tracking, approval workflows, and multi-currency support.

4. **Brex (Best for Venture-Backed Startups)**
   * **Why it fits:** Similar to Ramp, Brex offers modern credit cards combined with built-in travel and expense management software with no personal guarantee required.

**Quick Recommendation:**
* Choose **Ramp** if you want to issue corporate cards and eliminate software costs completely.
* Choose **Expensify** if your primary need is reimbursing employees for out-of-pocket expenses.


affordable expense management software for SMB

Here are the top affordable expense management software options for SMBs, categorized by pricing and use case:

### 1. **Best Free Platform: Ramp**
* **Pricing:** 100% Free (no user fees).
* **Best For:** Businesses looking for automated expense tracking tied to corporate cards.
* **Key Features:** Unlimited physical/virtual cards, automated receipt matching, real-time spending controls, and accounting integrations (QuickBooks, Xero, NetSuite).

### 2. **Best for Very Small Budgets: Zoho Expense**
* **Pricing:** Free plan (up to 3 users); Paid plans start at **$3/user/month**.
* **Best For:** Micro-businesses and growing teams looking for traditional expense reporting at a low cost.
* **Key Features:** Auto-scan receipts, mileage tracking, multi-currency support, and approval workflows.

### 3. **Best Overall Industry Standard: Expensify**
* **Pricing:** Free plan available; Paid plans start at **$5/user/month** (with the Expensify Card).
* **Best For:** Easy receipt scanning and fast employee reimbursement.
* **Key Features:** One-click receipt scanning (SmartScan), automated approval chains, next-day direct deposit reimbursements.

### 4. **Best for Existing Credit Cards: Fyle**
* **Pricing:** Starts at **$8.99/user/month** (billed annually).
* **Best For:** Businesses that want advanced expense management without changing their existing Visa/Mastercard credit cards.
* **Key Features:** Real-time spend notifications via text/Slack/Teams, instant receipt submission, direct card feeds.

### 5. **Best for Freelancers & Solopreneurs: Wave**
* **Pricing:** 100% Free for core features.
* **Best For:** Self-employed individuals and micro-SMBs needing simple, combined bookkeeping and expense tracking.
* **Key Features:** Free receipt scanning via mobile app, basic reporting, and income/expense categorization.

---

### **Recommendation Summary:**
* **If you want zero software fees and corporate cards:** Choose **Ramp**.
* **If you need traditional reimbursement software under $5/user:** Choose **Zoho Expense**.


What expense software do small companies actually use?

Small companies typically use one of three types of expense software, depending on their size, budget, and tech setup:

### 1. Free Corporate Card + Expense Platforms (Most Popular for Modern SMBs & Startups)
These tools are completely free to use because the software company makes money on card swipe fees.
*   **BILL Spend & Expense (formerly Divvy):** Extremely popular with small businesses because it combines corporate cards with budget controls and automated expense tracking.
*   **Ramp:** Widely used by fast-growing SMBs and startups for its automated receipt matching, accounting integrations, and AI spend insights.
*   **Brex:** Similar to Ramp, tailored heavily toward venture-backed startups and tech-forward small businesses.

### 2. Standalone Expense Trackers (Best for Employee Reimbursements)
If employees use personal cards and need to submit receipts for payback:
*   **Expensify:** The long-standing market leader for small-to-midsize businesses. Known for fast receipt scanning (SmartScan) and easy mobile app reporting.
*   **Zoho Expense:** Highly popular for budget-conscious companies, especially those already using other Zoho products. It offers a generous free tier and affordable paid plans.
*   **Fyle:** Popular for businesses that want real-time expense tracking directly inside everyday communication tools like Slack, Teams, and Gmail.

### 3. Built-In Accounting Expense Tracking (Best for Micro-Businesses)
Very small companies or solo operations often skip dedicated expense software entirely and use the built-in receipt capturing in their accounting software:
*   **QuickBooks Online:** Allows users to snap photos of receipts via the mobile app, which automatically matches them to bank transactions.
*   **Xero:** Offers native receipt capturing and expense claim tools built directly into its accounting platform.


best corporate credit card and expense management platform for startups

The best corporate credit card and expense management platforms for startups are **Ramp** and **Brex**. Neither requires a personal guarantee, and both offer high credit limits based on your cash balance rather than credit history.

Here is how to choose between them:

### 1. **Ramp** (Best Overall)
* **Best for:** Early-stage to growth-stage startups looking to save money and automate accounting.
* **Key Features:**
  * 1.5% flat cashback on all spend.
  * 100% free software (no user fees).
  * AI-driven insights that identify redundant subscriptions and lower bills.
  * Best-in-class automated receipt matching and accounting integrations (QuickBooks, Xero, NetSuite).

### 2. **Brex** (Best for Venture-Backed Tech Startups)
* **Best for:** Startups that have raised venture capital or operate globally.
* **Key Features:**
  * Higher credit limits tied directly to your funding/investors.
  * Points program tailored for founders (travel, billboards, AWS credits).
  * Built-in business bank account option (Brex Cash).
  * Strong global payment features and multi-currency support.

---

### Alternative Option:
* **Mercury (IO Card):** If you want your **banking and corporate cards in one place**, Mercury offers a seamless startup bank account with a built-in corporate card offering 1.5% cashback.

### Summary Recommendation:
* Choose **Ramp** if you want superior expense controls, cost-saving tools, and a completely free platform.
* Choose **Brex** if you are VC-backed, need higher limits based on raised capital, or require global spend support.


What software should a mid-sized company use to track employee spending and issue smart cards?

For a mid-sized company, the top software platforms for tracking employee spending and issuing smart physical/virtual cards are:

1. **Ramp** *(Best Overall)*
   * **Why:** Free to use, offers customizable spend limits per card, automated receipt matching, real-time tracking, and seamless integration with accounting software (QuickBooks, NetSuite, Xero).

2. **Brex** *(Best for Tech & High-Growth Companies)*
   * **Why:** Offers smart corporate cards with strict custom spend controls, global currency support, built-in travel management, and strong rewards programs.

3. **Airbase** *(Best for Comprehensive Procure-to-Pay)*
   * **Why:** Designed specifically for mid-market companies that need advanced approval workflows, vendor management, and purchase order (PO) tracking alongside card issuing.

4. **Spendesk** *(Best for European/Multi-Currency Operations)*
   * **Why:** Excellent for mid-sized European or global teams needing multi-currency support, flexible card controls, and automated expense reporting.

5. **Navan (formerly TripActions)** *(Best for Travel-Heavy Companies)*
   * **Why:** Combines corporate card issuance and expense management directly with a full-service travel booking platform.

**Recommendation:** Go with **Ramp** for ease of use and zero software fees, or **Airbase** if you require complex purchase order and invoice approval workflows.


best expense reporting software for remote teams

Here are the top expense reporting software choices for remote teams, categorized by best fit:

1. **Ramp (Best Overall)**
   * **Why for remote teams:** Free to use, offers unlimited physical and virtual corporate cards with customizable spending limits, real-time receipt matching via SMS/app, and automated approval workflows.
   * **Best for:** US-based companies looking for an all-in-one corporate card and expense platform.

2. **Expensify (Best for Global Teams)**
   * **Why for remote teams:** Excellent multi-currency support, automated receipt scanning (SmartScan), next-day direct deposit reimbursements worldwide, and per-diem management.
   * **Best for:** Teams with employees distributed across multiple countries.

3. **Brex (Best for Scale-ups & Tech Startups)**
   * **Why for remote teams:** Issues local-currency cards internationally, automates receipt collection via WhatsApp/SMS, and handles complex global expense compliance automatically.
   * **Best for:** Growing startups and mid-market companies with international employees.

4. **Zoho Expense (Best Budget Option)**
   * **Why for remote teams:** Highly affordable (includes a robust free tier), multi-currency support, mileage tracking, and strong integrations with major accounting software.
   * **Best for:** Small businesses and teams already using the Zoho ecosystem.

**Quick Recommendation:** Choose **Ramp** if you want automated spending controls with built-in corporate cards, or **Expensify** if you need global reimbursements across different currencies.


We need software to automate employee receipt submission and approval workflows. What should we get?

Here are the top expense management platforms based on your company size and needs:

### **Top Recommendations**

*   **Best Overall for Modern Businesses: [Ramp](https://ramp.com) or [Brex](https://brex.com)**
    *   **Why:** Free corporate cards combined with automated expense software. They use AI to automatically match receipts from SMS/email and enforce real-time spending limits.
*   **Best for Small-to-Midsize Businesses (SMBs): [Expensify](https://use.expensify.com)**
    *   **Why:** Industry standard for easy receipt scanning (SmartScan), automated approval workflows, and quick integrations with accounting software like QuickBooks and Xero.
*   **Best Budget Option: [Zoho Expense](https://www.zoho.com/expense/)**
    *   **Why:** Highly affordable (includes a robust free tier) with strong workflow automation, multi-level approvals, and receipt auto-scanning.
*   **Best for Large Enterprises: [SAP Concur](https://www.concur.com)**
    *   **Why:** Ideal for complex compliance rules, deep ERP integrations (SAP, Oracle), global currency support, and heavy travel management needs.

---

### **Which one should you pick?**
1.  **If you want a free, modern solution with corporate cards:** Choose **Ramp**.
2.  **If you already have business cards and just need receipt/approval software:** Choose **Expensify** or **Zoho Expense**.
3.  **If you are a large company with strict enterprise compliance:** Choose **SAP Concur**.


Which expense tracking system integrates best with accounting software for a fast-growing agency?

**Ramp** is currently the best expense tracking system for a fast-growing agency, followed closely by **Expensify**.

### 1. Ramp (Best Overall)
* **Best For:** Fast scalability, automated control, and modern corporate card management.
* **Accounting Integrations:** Direct, two-way sync with **QuickBooks Online, Xero, Sage Intacct, and NetSuite**.
* **Why it fits agencies:**
  * Features custom corporate cards with built-in spending limits (ideal for client ad spend, software subscriptions, and vendor management).
  * Auto-categorizes expenses and automatically matches receipts using AI.
  * Completely free to use (earns revenue via interchange fees).

### 2. Expensify (Best for Client/Project Billable Expenses)
* **Best For:** Complex, project-based expense tracking where employees use personal cards and need reimbursement.
* **Accounting Integrations:** Seamless integration with **QuickBooks Online, Xero, NetSuite, and Sage Intacct**.
* **Why it fits agencies:**
  * Superior at tagging expenses directly to specific clients, job codes, or projects, making client re-billing effortless.
  * Easy mobile receipt scanning for traveling staff or remote teams.

### Summary Recommendation:
* Choose **Ramp** if you want an all-in-one corporate card and spend-management platform with zero software fees.
* Choose **Expensify** if you primarily rely on employee reimbursements and need granular, client-level billable tracking.


best spend management software with automated receipt matching

Here are the best spend management platforms featuring top-tier automated receipt matching, categorized by business need:

### 1. **Ramp** *(Best Overall for SMBs & Mid-Market)*
* **How Receipt Matching Works:** Uses AI to extract details from receipts sent via SMS, email, or app upload and instantly matches them to card transactions. It can automatically pull receipts directly from your Gmail/Outlook inbox or Lyft/Uber accounts.
* **Key Advantage:** Free to use (monetizes via card interchange fees) and offers automated reminders to employees via text.

### 2. **Brex** *(Best for Startups & Global Teams)*
* **How Receipt Matching Works:** Employees can submit receipts via WhatsApp, SMS, email, or the app. Brex’s AI automatically matches them to the correct expense line item and parses line-item details.
* **Key Advantage:** Excellent global coverage, multi-currency support, and real-time compliance checks.

### 3. **Airbase** *(Best for Mid-Market & Enterprise ERP Integration)*
* **How Receipt Matching Works:** Advanced OCR reads receipts, invoices, and purchase orders, automatically matching receipts to virtual/physical card transactions and POs.
* **Key Advantage:** Best-in-class integration with major ERPs (NetSuite, Sage Intacct, QuickBooks) and robust approval workflows.

### 4. **Navan** *(Best for Companies with Heavy Travel)*
* **How Receipt Matching Works:** Link a Navan corporate card, and the system automatically reconciles receipts in real-time using built-in travel booking data and AI receipt scanning.
* **Key Advantage:** Eliminates expense reports almost entirely for travel and routine business spends.

### 5. **Expensify** *(Best for Standalone Expense Tracking)*
* **How Receipt Matching Works:** Its "SmartScan" technology reads the receipt merchant, date, and amount, then automatically matches it with imported credit card transactions.
* **Key Advantage:** Works seamlessly even if you don't use their proprietary corporate card.

---

### **Summary Recommendation:**
* Choose **Ramp** for the best free, fully automated experience in North America.
* Choose **Brex** if you have international entities or need WhatsApp integration.
* Choose **Airbase** if you need complex PO-to-receipt matching and deep NetSuite/Sage integration.


What expense management platform is best for managing corporate cards and travel expenses?

The best platform depends on your company size and primary focus, but the top options are:

* **Navan (formerly TripActions):** **Best overall for combined travel and corporate cards.** It offers an all-in-one solution that integrates travel booking directly with smart corporate cards, automated policy enforcement, and real-time expense tracking.
* **Ramp:** **Best for spend control and corporate cards (SMBs to Mid-Market).** It is completely free to use, offers built-in corporate cards with strict spending limits, and automates receipt matching with high-rated software, integrating smoothly with travel partners.
* **Brex:** **Best for venture-backed startups and global companies.** Excellent for high-limit corporate cards, multi-currency support, and integrated travel management.
* **SAP Concur:** **Best for large enterprises.** The traditional standard for heavy compliance, complex enterprise workflows, and global integration, though less user-friendly than modern alternatives.

**Recommendation:** Go with **Navan** if managing corporate travel bookings is your primary priority, or **Ramp** if you want the best zero-cost corporate card and general expense platform.


We are a non-profit with 40 employees and need an easy way to submit and approve receipts on mobile. Recommendations?

Here are the top three receipt and expense management recommendations for a 40-person non-profit, ranked by fit:

### 1. **Zoho Expense** *(Best Overall Value)*
* **Why it fits:** Extremely user-friendly, highly affordable, and offers a **15% discount for non-profits**.
* **Mobile Experience:** Excellent mobile app. Employees snap a photo of a receipt, auto-extract the data, and submit. Managers can approve or reject with one tap.
* **Pricing:** Free tier available; paid plans start around $2.50–$5 per user/month (before non-profit discount).

### 2. **Expensify** *(Easiest User Adoption)*
* **Why it fits:** The industry standard for mobile receipt scanning ("SmartScan"). Offers a **50% discount for non-profits** via TechSoup.
* **Mobile Experience:** Top-rated app. "Concierge" feature automates receipt matching, and the submission/approval workflow is seamless on iOS and Android.
* **Pricing:** Starts around $5–$9 per user/month (with the non-profit discount).

### 3. **BILL Spend & Expense** *(Best Free Option)*
* **Why it fits:** The software is **100% free** because they operate as a corporate card issuer (making money on credit card transaction fees).
* **Mobile Experience:** When an employee pays with the card, they instantly get a mobile notification to snap a picture of the receipt and attach it right away.
* **Pricing:** Free (requires using their business credit cards).

---

### **Summary Recommendation**
* Go with **Zoho Expense** if you want low costs and traditional accounting integration (QuickBooks, Xero).
* Go with **Expensify** if you want the absolute easiest mobile app experience for non-tech-savvy employees (apply via TechSoup for the discount).
* Go with **BILL Spend & Expense** if you want a completely free platform and are open to issuing corporate cards to employees.


best mileage and expense tracking software for sales reps in the field

Here are the best mileage and expense tracking software options for sales reps in the field, categorized by top use cases:

### 1. **Everlance** *(Best Overall for Field Sales)*
* **Key Features:** Automatic background GPS tracking, swipe-to-classify drives, receipt scanning, and support for IRS standard rate and FAVR (Fixed and Variable Rate) reimbursements.
* **Why it’s great for sales reps:** Excellent team dashboard for managers, easy export for expense reports, and minimal battery drain.

### 2. **Zoho Expense** *(Best for CRM Integration)*
* **Key Features:** GPS-based mileage tracking, automated receipt scanning, mileage limits/policy enforcement, and native integration with Salesforce and Zoho CRM.
* **Why it’s great for sales reps:** Allows reps to log expenses directly alongside customer accounts and deals without leaving their CRM ecosystem.

### 3. **MileIQ** *(Best for Simple, Automatic Tracking)*
* **Key Features:** Completely passive background tracking (logs drives automatically without pressing "start"), quick swipe interface (right for business, left for personal), and detailed IRS-compliant reports.
* **Why it’s great for sales reps:** Ideal for individual reps who want a set-it-and-forget-it mileage tool with minimal manual input.

### 4. **Badger Maps** *(Best for Sales Routing + Mileage)*
* **Key Features:** Route optimization, visual customer mapping, check-ins, call logs, and automatic mileage tracking.
* **Why it’s great for sales reps:** Combines territory management and daily route planning with mileage tracking in a single app built specifically for field sales reps.

---

### **Quick Recommendation:**
* **Individual Sales Rep:** Go with **MileIQ** or **Everlance**.
* **Sales Team using a CRM:** Go with **Zoho Expense**.
* **Outside Sales Reps needing Route Planning:** Go with **Badger Maps**.


Top rated corporate expense management systems for enterprise

The top-rated corporate expense management systems for enterprises include:

1. **SAP Concur**
   * **Best for:** Large global enterprises and complex organization structures.
   * **Key Strengths:** Industry standard for global compliance, deep integration with major ERPs (especially SAP), robust travel booking, and extensive tax/VAT tracking capabilities.

2. **Navan (formerly TripActions)**
   * **Best for:** Modern enterprises seeking an all-in-one travel and expense platform.
   * **Key Strengths:** High user satisfaction, automated policy enforcement via smart corporate cards, real-time visibility, and strong AI-driven features.

3. **Emburse (Chrome River / Certify)**
   * **Best for:** Highly complex workflows, law firms, and enterprise-scale operations.
   * **Key Strengths:** Advanced configurable business logic, global currency/tax support, and deep integration options for custom or legacy enterprise financial systems.

4. **Coupa Expense**
   * **Best for:** Enterprises looking for a unified Business Spend Management (BSM) ecosystem.
   * **Key Strengths:** Seamlessly connects expenses with procurement, invoicing, and contract management; strong fraud detection and spend analytics.

5. **Brex for Enterprise**
   * **Best for:** Multi-entity, fast-scaling global enterprises wanting modern card-led spend control.
   * **Key Strengths:** Native global corporate cards, automated receipt matching, custom enterprise limit controls, and multi-currency management.

6. **Ramp**
   * **Best for:** Enterprise organizations looking to automate accounting and aggressively cut unnecessary spend.
   * **Key Strengths:** Automated vendor price intelligence, real-time spend controls, quick reconciliation, and strong integrations with NetSuite, Workday, and SAP.

### Summary Recommendation:
* Choose **SAP Concur** or **Emburse** for legacy ERP depth and complex global compliance.
* Choose **Navan** or **Brex** for the best modern user experience, integrated travel, and automated corporate card controls.
* Choose **Coupa** if you need expense management tied directly into procurement and supply chain management.


What is the easiest expense reporting tool for employees who hate submitting receipts?

**Ramp** is widely considered the easiest tool for employees who hate submitting receipts, especially if paired with corporate cards.

Here is why it requires almost zero effort:

* **Automatic Text Matching:** When an employee swipes a Ramp card, they instantly get a text message. They can simply reply to the text with a picture of the receipt, and Ramp automatically matches it to the transaction.
* **Auto-Fetched Digital Receipts:** Ramp integrates directly with vendors like Uber, Lyft, and major airlines to pull digital receipts automatically, eliminating the need to snap photos entirely.
* **No Manual Reports:** Expenses are categorized and submitted transaction-by-transaction, so employees never have to fill out end-of-month expense reports.

*Alternative (if you don't use corporate cards):* **Expensify**. Its "SmartScan" feature allows employees to take a quick photo of a receipt and walk away—the AI automatically extracts the merchant, date, and amount without manual typing.


The best expense management software for multi-currency international travel depends on your company size, but the top options are:

### 1. **Navan (formerly TripActions)** — *Best Overall for Travel + Expense*
* **Why it’s great:** Combines travel booking and expense management in one app. It automatically converts foreign transaction currencies at real-time exchange rates and issues virtual or physical multi-currency corporate cards.
* **Best for:** Growing mid-market and enterprise companies with frequent international travelers.

### 2. **Rydoo** — *Best for International Compliance & Per Diems*
* **Why it’s great:** Built specifically for global teams. Its OCR receipt scanner instantly reads foreign currencies, applies real-time conversion rates, and automatically calculates complex international per diem rules and local VAT/tax recovery.
* **Best for:** Companies with employees based in multiple countries or traveling across complex tax jurisdictions.

### 3. **SAP Concur** — *Best for Large Global Enterprises*
* **Why it’s great:** The industry standard for complex global operations. It offers deep integrations with global accounting systems, supports virtually every currency, and has unmatched international tax and regulatory compliance.
* **Best for:** Large corporations with strict corporate travel policies and complex international infrastructure.

### 4. **Zoho Expense** — *Best Budget-Friendly Option*
* **Why it’s great:** Offers robust multi-currency tracking, automatic conversion updates via trusted rate feeds, foreign transaction handling, and mileage tracking in different units at a fraction of the cost of competitors.
* **Best for:** Small-to-medium businesses (SMBs) looking for cost-effective global expense tracking.

---

### **Summary Recommendation:**
* Pick **Navan** if you want seamless international travel booking alongside expense management.
* Pick **Rydoo** if you need automatic foreign currency conversion and strict global compliance/per diem management.


We have 15 employees using personal credit cards for work purchases and reimbursing manually. What tool should we switch to?

You should switch to a **modern spend management platform** that combines corporate cards with automated expense software.

The top recommendation for a 15-person team is **Ramp** (or **BILL Spend & Expense**, formerly Divvy).

### Why this works:
1. **Corporate Cards (Physical & Virtual):** You can issue virtual cards for specific vendors or physical cards to employees with pre-set spending limits, eliminating out-of-pocket expenses.
2. **Automated Receipts:** Employees simply snap a photo of a receipt via text/app, and the system automatically matches it to the transaction.
3. **Accounting Sync:** Integrates directly with QuickBooks, Xero, or NetSuite to automate coding and reconciliation.
4. **Free to Use:** The software is generally free (platforms make money from credit card interchange fees paid by merchants).

**Alternative option:** If you *must* keep using personal cards and only want to automate the reimbursement workflow, use **Expensify** or **Zoho Expense**. However, moving to Ramp or BILL will save significantly more time.


best software for setting spending limits on corporate card issuance

The best software depends on your company’s size and specific needs. Here are the top platforms, ranked by their spending-limit and card-control features:

### 1. **Ramp** (Best Overall)
* **Why it’s top-rated:** Completely free to use with industry-leading limit controls.
* **Spending Features:** Set limits by transaction, merchant category, vendor, daily/monthly intervals, or specific date ranges. Cards automatically lock if a user doesn't submit a receipt or exceeds a policy limit.

### 2. **BILL Spend & Expense** *(formerly Divvy)* (Best for Strict Budgeting)
* **Why it’s top-rated:** Budget-first model where funds must be pre-allocated to a card before it can be swiped.
* **Spending Features:** Prevents overspending entirely—if an employee doesn't have funds assigned to their specific budget/card, the transaction declines instantly.

### 3. **Brex** (Best for Startups & International Teams)
* **Why it’s top-rated:** High credit limits, multi-currency support, and strong global capability.
* **Spending Features:** Embedded, auto-enforced spend policies. You can assign temporary single-use virtual cards or recurring monthly stipends with strict limits.

### 4. **Airbase** (Best for Mid-Market & Enterprise Procurement)
* **Why it’s top-rated:** Deep approval workflows tied directly to corporate cards and POs.
* **Spending Features:** Advanced pre-approval chains required before virtual or physical cards are issued, preventing unapproved software subscriptions and vendor spend.

### 5. **Navan** *(formerly TripActions)* (Best for Travel-Heavy Companies)
* **Why it’s top-rated:** Integrates travel booking directly with corporate card limits.
* **Spending Features:** Limits automatically adjust based on travel itineraries (e.g., daily food stipends unlock only during approved trips).

---

### Quick Recommendation:
* Choose **Ramp** for a modern, free, all-in-one platform with flexible, automated card controls.
* Choose **BILL Spend & Expense** if you want hard pre-swipe budget limits that employees cannot exceed under any circumstances.


What expense software handles per diem rates and corporate travel receipts automatically?

Here are the top expense management platforms that automatically handle both per diem rates and corporate travel receipts:

1. **SAP Concur**
   * **Per Diem:** Pre-loaded with official government (GSA/high-low) and international per diem rates, adjusting automatically based on location, travel dates, and provided meals.
   * **Receipts:** Auto-extracts receipt data via OCR, automatically matches receipts to corporate card transactions, and syncs directly with travel bookings.

2. **Navan (formerly TripActions)**
   * **Per Diem:** Automatically applies location-based per diem allowances directly to travel itineraries when employees book trips.
   * **Receipts:** Native travel booking means most receipts are generated and itemized automatically without manual submission.

3. **Ramp**
   * **Per Diem:** Allows administrators to set up daily per diem card limits that automatically reset and adjust based on travel policies.
   * **Receipts:** Uses AI to automatically pull receipts from employee emails, SMS, or app uploads and instantly matches them to corporate card swipes.

4. **Expensify**
   * **Per Diem:** Supports custom and government per diem rates, automatically calculating totals based on selected dates and locations.
   * **Receipts:** Uses "SmartScan" to automatically read, log, and match receipt details to corporate card feeds.

5. **Brex**
   * **Per Diem:** Offers built-in travel stipends and auto-adjusting daily per diem limits on Brex corporate cards.
   * **Receipts:** Features automated receipt matching via WhatsApp, SMS, email, and ERP integrations, minimizing manual uploads.

**Recommendation:**
* Choose **SAP Concur** or **Navan** for complex global travel and strict enterprise compliance.
* Choose **Ramp** or **Brex** for automated corporate card control and modern, fast setup.


cheap expense reporting software for small teams

Here are the top budget-friendly expense reporting tools for small teams:

1. **Zoho Expense**
   * **Price:** **Free** (up to 3 users); **$3/user/month** for paid plans.
   * **Best For:** Overall value. Includes receipt auto-scanning, approval workflows, mileage tracking, and accounting software integrations.

2. **Expensify**
   * **Price:** **Free** basic tier; **$5/user/month** for collect/control plans.
   * **Best For:** Ease of use. Features industry-leading receipt scanning (SmartScan) and next-day direct deposit reimbursements.

3. **Wave Accounting**
   * **Price:** **100% Free** (no user limits).
   * **Best For:** Micro-teams needing built-in bookkeeping alongside basic expense tracking.

4. **Everlance**
   * **Price:** Starts at **$5/user/month**.
   * **Best For:** Teams that need automatic GPS mileage tracking alongside standard expense reporting.

**Quick Recommendation:** Start with **Zoho Expense** if you have 3 or fewer people (it's completely free) or if you want the lowest per-user cost as your team grows.


What software do accounting teams prefer for employee expense approvals and reconciliation?

Accounting teams generally prefer software based on company size and ERP integration requirements. The top preferred tools include:

### **1. Best Overall & Fastest Growing (Mid-Market & Tech)**
* **Ramp:** Highly preferred by modern finance teams for its automated receipt matching, custom approval workflows, corporate cards, and seamless 2-way sync with QuickBooks, Xero, NetSuite, and Sage.
* **Brex:** Similar to Ramp, offering strong automated reconciliation, corporate cards, and built-in spend controls for scaling companies.

### **2. Best for Small-to-Midsize Businesses (SMBs)**
* **Expensify:** A popular choice for simple expense submission, fast reimbursement, and easy integration with major small-business accounting software.
* **Zoho Expense:** Preferred by cost-conscious teams and those already using the Zoho ecosystem, featuring strong mileage tracking and approval automation.

### **3. Best for Large Enterprise & Complex Compliance**
* **SAP Concur:** The long-standing enterprise standard, preferred for handling complex global policies, deep ERP integration (especially SAP and Oracle), and audit capabilities, though it has a steeper learning curve.
* **Navan (formerly TripActions):** Favored by enterprise teams looking for a modern, unified solution for travel management and corporate expense controls.

**Key features accounting teams prioritize:** Real-time ERP integration (NetSuite, QuickBooks, Xero), AI receipt matching, automated GL coding, and customizable multi-level approval workflows.


best spend management software with OCR receipt scanning

Here are the best spend management software options with top-tier OCR receipt scanning, categorized by business size and needs:

### 1. **Ramp** *(Best Overall / Modern Businesses)*
* **Why it’s great:** Completely free to use. Its AI-driven OCR instantly extracts line items, totals, and merchants. Employees can simply text or email a photo of a receipt, and Ramp automatically matches it to the correct transaction.
* **Best for:** Small-to-midsize businesses and high-growth companies looking for zero-cost automated expense tracking.

### 2. **Brex** *(Best for Startups & Global Teams)*
* **Why it’s great:** Features real-time OCR scanning via its mobile app or WhatsApp. It automatically parses receipts in multiple currencies and maps them to ERP categories with high accuracy.
* **Best for:** Venture-backed startups, mid-market companies, and international teams.

### 3. **Expensify** *(Best for pure Expense Tracking & SMBs)*
* **Why it’s great:** Famous for its patented **SmartScan OCR** technology. Employees just take a picture, and SmartScan reads the merchant, date, and amount, automatically creating an expense entry.
* **Best for:** Small businesses and teams that prioritize mobile-first, simple expense reports.

### 4. **Airbase** *(Best for Mid-Market & Procure-to-Pay)*
* **Why it’s great:** Combines card spend, accounts payable, and employee reimbursements. Its OCR engine scans both receipts and multi-page invoices with high accuracy, automating complex GL coding.
* **Best for:** Mid-sized companies (100–500+ employees) needing advanced approval workflows.

### 5. **SAP Concur** *(Best for Large Enterprises)*
* **Why it’s great:** Concur Drive and Expense utilize enterprise-grade OCR that processes massive volumes of receipts, validating tax details and compliance against strict corporate policies automatically.
* **Best for:** Large corporations and global enterprises with complex policy compliance requirements.

---

### **Quick Recommendation:**
* Choose **Ramp** if you want a **free, highly automated platform** with corporate cards.
* Choose **Expensify** if you only need **reimbursements and easy mobile receipt scanning**.
* Choose **SAP Concur** if you are a **large Enterprise**.


We are a construction company with crews purchasing supplies daily. What expense management software works best for field workers?

For construction crews and field workers who make daily purchases, the best expense management software combines **mobile receipt scanning**, **corporate card controls**, and **job-costing integrations**.

Here are the top options based on your company's specific needs:

### 1. **Ramp** *(Best Overall for Field Teams)*
* **Why it works for field workers:** After a crew member swipes a Ramp card, they instantly receive a text message. They simply reply to the text with a photo of the receipt, and Ramp’s AI matches it automatically. Field workers don't even need to open an app.
* **Key Features:** Free to use, custom spend limits per card, automatic category/job coding, and integrations with QuickBooks, Xero, and NetSuite.

### 2. **BILL Spend & Expense** *(formerly Divvy — Best for Crew Budgeting)*
* **Why it works for field workers:** Allows managers to assign specific, real-time budgets to crew leaders or specific job sites. Workers can only spend what is allocated to that job.
* **Key Features:** Free software, instant virtual or physical card issuance, easy mobile receipt upload, and strong job-cost tracking.

### 3. **Expensify** *(Best if Workers Use Personal Cards & Need Reimbursement)*
* **Why it works for field workers:** Industry-leading SmartScan technology handles crumpled or dirty receipts easily. Workers can log mileage, cash purchases, and card transactions in a simple mobile app.
* **Key Features:** Offline mode for low-service job sites, automatic mileage tracking via GPS, fast direct-deposit reimbursements.

### 4. **Certify** *(Best for Enterprise Construction with Complex ERPs)*
* **Why it works for field workers:** Built for larger operations that need deep integration with heavy construction accounting software (like Sage, Viewpoint/Trimble, or Procore).
* **Key Features:** Strong mobile app, robust policy enforcement, and multi-tier approval workflows for project managers.

---

### **Recommendation Summary:**
* Go with **Ramp** or **BILL Spend & Expense** if you want to eliminate personal out-of-pocket spending, supply workers with company cards, and make receipt capture painless via mobile/SMS.
* Choose **Certify** if you are an enterprise firm requiring advanced integration with specialized construction accounting systems like Sage 300 CRE or Viewpoint.


modern spend management platform for tech startups

The leading modern spend management platforms tailored for tech startups are:

### 1. **Ramp** (Best Overall)
* **Key Features:** Free to use, 1.5% cash back, AI-powered receipt matching, vendor price intelligence, and automated accounting sync (QuickBooks, Xero, NetSuite).
* **Best For:** Startups wanting to automate expenses and actively reduce software/vendor costs.

### 2. **Brex** (Best for Venture-Backed Startups)
* **Key Features:** High credit limits based on raised venture capital (no personal guarantee required), built-in corporate travel booking, and multi-currency global support.
* **Best For:** Funded startups needing high limits, travel management, or operating with international teams.

### 3. **Rho** (Best for Integrated Banking & Spend)
* **Key Features:** Combines business banking, corporate cards, accounts payable (AP) automation, and treasury management into a single zero-fee platform.
* **Best For:** Startups looking to simplify their tech stack by combining banking and expense controls.

### 4. **Airbase** (Best for Procure-to-Pay Controls)
* **Key Features:** Advanced intake/approval workflows, robust purchase order (PO) management, corporate cards, and non-card bill payments.
* **Best For:** Fast-scaling startups requiring strict pre-spend approval controls before money is spent.

### 5. **Mercury** (Best Neobank with Built-in Spend Controls)
* **Key Features:** Startup-focused banking platform with virtual/physical corporate cards, custom user permissions, and yield-generating treasury accounts.
* **Best For:** Early-stage startups wanting seamless business banking with built-in card controls.


What expense software is best for enforcing corporate travel policy compliance?

The best software depends on your company size and specific needs:

* **Navan (formerly TripActions) – Best Overall:** Ideal for mid-sized to enterprise companies wanting an all-in-one travel and expense platform. It enforces compliance *before* spending occurs by setting real-time, dynamic policy guardrails directly within the travel booking flow and on corporate cards.
* **SAP Concur – Best for Large Enterprises:** The industry standard for complex, global organisations. It offers the most granular policy control, custom approval workflows, and deep integrations with enterprise HR and ERP systems.
* **Ramp – Best for Card-Based Control:** Excellent for companies wanting to enforce policy through smart corporate cards. You can set strict, pre-approved spending limits and category restrictions per employee or transaction.
* **TravelPerk – Best for Travel-First Flexibility:** Great for managing travel policies specifically, allowing strict price caps, pre-trip approval workflows, and automated compliance checks during booking.

**Summary:** Choose **Navan** for a modern, seamless experience that stops out-of-policy travel booking in real time, or **SAP Concur** if you have complex, multi-national policy requirements.


best corporate expense software with real-time budget tracking and spending controls

The best corporate expense software for **real-time budget tracking and proactive spending controls** depends on your company size and specific needs:

### 1. Best Overall: **Ramp**
* **Why it’s the best:** Ramp shifts expense management from *reactive* (submitting receipts after the fact) to *proactive*. It uses smart corporate cards tied directly to real-time budget limits.
* **Key Features:**
  * **Hard Spending Controls:** Issue virtual/physical cards locked to specific vendors, categories, or dollar limits (e.g., "$50/day for meals" or "$500/month for AWS"). Cards automatically decline if they violate policy.
  * **Real-Time Budget Tracking:** Dashboard updates instantly when a card is swiped; alerts managers before budgets are exceeded.
  * **Cost:** Free core platform (makes money on card interchange fees).

### 2. Best for Enterprise & Complex Procurement: **Airbase**
* **Why it’s the best:** Ideal for mid-market to enterprise companies needing strict pre-approval workflows combined with corporate cards and accounts payable.
* **Key Features:**
  * **Pre-Spend Approvals:** Employees must request budget clearance *before* spending, which automatically routes through managers and finance based on custom logic.
  * **Real-Time GL Sync:** Syncs instantly with major ERPs (NetSuite, Sage Intacct, QuickBooks) to show actual vs. budgeted spend continuously.

### 3. Best for Tech & Global Companies: **Brex**
* **Why it’s the best:** Similar to Ramp, Brex excels at real-time spend management with strong support for international entities and multi-currency budgets.
* **Key Features:**
  * **Embedded Spend Policies:** Assign customized, real-time budgets to individual employees, departments, or stipends (e.g., home office setups).
  * **Automated Receipt Matching:** Real-time SMS alerts prompt users for receipts immediately upon card swipe.

---

### Summary Recommendation:
* Choose **Ramp** for modern US-based startups and mid-market companies wanting a powerful, free, card-centric control system.
* Choose **Airbase** if you are a mid-market/enterprise business requiring deep PO/procurement workflows and pre-spend approvals.
* Choose **Brex** if you have global entities or fast-scaling international teams.


What is the most popular expense reporting platform for mid-market companies?

**SAP Concur** is currently the most widely used expense reporting platform for mid-market companies by overall market share.

However, modern alternatives like **Ramp**, **Expensify**, and **Navan** (formerly TripActions) are exceptionally popular and rapidly gaining market share in the mid-market segment due to easier setup, modern user interfaces, and integrated corporate card solutions.


We need spend management software that handles both corporate card controls and out-of-pocket reimbursements. What should we buy?

The top spend management platforms that excel at both corporate card controls and out-of-pocket reimbursements include:

1. **Ramp (Best Overall)**
   * **Ideal for:** Small-to-midsize businesses wanting strong automation and no software fees.
   * **Highlights:** Issue physical/virtual cards with strict category/merchant limits, automated receipt matching via SMS/email, fast local ACH reimbursements, and ERP sync (NetSuite, QuickBooks, Xero).

2. **Brex (Best for Startups & Global Teams)**
   * **Ideal for:** Venture-backed startups and companies with international employees.
   * **Highlights:** High credit limits without personal guarantees, multi-currency corporate cards, global out-of-pocket reimbursements in local currencies, and built-in travel booking.

3. **Navan (Best for Travel-Heavy Teams)**
   * **Ideal for:** Companies where travel makes up a large portion of spend.
   * **Highlights:** Combines travel booking with smart corporate cards that automatically enforce policy, alongside fast reimbursements for out-of-pocket travel expenses.

4. **Airbase (Best for Mid-Market & Complex Approvals)**
   * **Ideal for:** Larger mid-market companies needing advanced procure-to-pay capabilities.
   * **Highlights:** Deep corporate card controls, custom multi-tier approval workflows, PO matching, and robust enterprise ERP integrations.

**Quick Recommendation:**
* Choose **Ramp** for the best software experience, automation, and price (free to use).
* Choose **Brex** if you operate globally or need multi-currency reimbursements.


best expense software for automated accounting system integration

The best expense management software depends on your company size and specific accounting ERP, but **Ramp** is currently the top choice for automated accounting integration.

Here are the best options based on business needs:

### 1. Best Overall: **Ramp**
* **Best for:** Small-to-mid-sized businesses and scaling companies looking for maximum automation.
* **Accounting Integrations:** QuickBooks Online, Xero, NetSuite, Sage Intacct.
* **Why it’s best:** Offers advanced rules for auto-categorization, automatic receipt fetching (via email/SMS), and seamless two-way sync that matches transactions to GL accounts instantly. It is also completely free to use.

### 2. Best for Large Enterprises: **SAP Concur**
* **Best for:** Global companies with complex approval workflows and heavy travel expenses.
* **Accounting Integrations:** SAP, Oracle Financials Cloud, Microsoft Dynamics, Salesforce.
* **Why it’s best:** Unmatched enterprise-level integration into legacy and major ERP systems, with robust automated compliance and audit tools.

### 3. Best for SMBs & Simple Setup: **Expensify**
* **Best for:** Small businesses needing straightforward receipt scanning and expense tracking.
* **Accounting Integrations:** QuickBooks (Online & Desktop), Xero, NetSuite, Sage.
* **Why it’s best:** Feature called "SmartScan" automatically reads receipts and imports them, while auto-sync sends approved expenses directly to your accounting software without manual data entry.

### 4. Best for Startups & Tech Companies: **Brex**
* **Best for:** Venture-backed startups and mid-market companies needing corporate cards + expense management.
* **Accounting Integrations:** NetSuite, QuickBooks Online, Xero, Workday.
* **Why it’s best:** Strong real-time metadata tagging and automated receipt matching directly into your general ledger.

---

### **Recommendation:**
* Choose **Ramp** if you want the highest level of automated reconciliation and zero software costs.
* Choose **SAP Concur** if you use a large enterprise ERP like SAP or Oracle.


What software should a 200-person company buy to eliminate paper receipts and manual expense reports?

For a 200-person company, the best software depends on whether you want an all-in-one corporate card + expense system or just software for existing credit cards.

Here are the top recommendations:

### 1. Best Overall (Corporate Cards + Expense Automation)
* **Ramp** or **Brex**
  * **Why:** They issue physical/virtual corporate cards and automatically match receipts. Employees simply snap a photo of a receipt or reply to a text prompt, eliminating expense reports entirely.
  * **Cost:** Free (they make money via card interchange fees).
  * **Best for:** Companies looking to replace legacy credit cards and fully automate expense management.

### 2. Best Standalone Expense Software (Keep Existing Cards)
* **Expensify**
  * **Why:** Industry standard for receipt scanning (SmartScan). Employees take a photo of a receipt, and the software automatically extracts data and creates/submits reports. Integrates with existing business credit cards.
  * **Cost:** ~$5–$9 per active user/month.
  * **Best for:** Companies that want to keep their existing bank relationships and credit cards.

### 3. Best for Companies with Heavy Business Travel
* **Navan** (formerly TripActions)
  * **Why:** Combines corporate travel booking with automated expense management. Out-of-policy expenses are blocked at the point of sale, eliminating manual reviews.
  * **Best for:** Mid-market companies with frequent traveling staff.

---

### Recommendation summary:
* **Choose Ramp** if you are willing to switch your corporate cards to get a free, fully automated solution.
* **Choose Expensify** if you must keep your current corporate/personal card setup.

*Note: Ensure whichever platform you choose integrates directly with your accounting software (e.g., QuickBooks Online, NetSuite, Xero, or Sage).*


best cloud expense management software for multi-entity businesses

For multi-entity businesses, expense management software needs strong multi-currency support, subsidiary-level controls, global tax compliance, and seamless integration with multi-entity ERPs (like NetSuite or Sage Intacct).

Here are the best cloud options categorized by business size and need:

### 1. **Airbase** *(Best Overall for Mid-Market & Consolidation)*
* **Why it’s best for multi-entity:** Built specifically around corporate spend and subsidiary management. It handles AP automation, expense reimbursements, and corporate cards across multiple subsidiaries with automated intercompany accounting.
* **ERP Integrations:** Deep, native sync with NetSuite, Sage Intacct, and QuickBooks (multi-entity).
* **Key Feature:** Entity-specific approval workflows and centralized reporting.

### 2. **Ramp** *(Best for Automation & Fast-Growing Companies)*
* **Why it’s best for multi-entity:** Offers free software with powerful multi-entity capabilities. You can manage multiple subsidiaries from a single dashboard, issue local-currency cards, and apply global or entity-specific spend limits.
* **ERP Integrations:** Excellent integration with NetSuite, Sage Intacct, and QuickBooks.
* **Key Feature:** Automated receipt matching and real-time FX tracking across entities.

### 3. **SAP Concur** *(Best for Large Global Enterprises)*
* **Why it’s best for multi-entity:** The gold standard for massive, highly complex, global enterprises. It handles complex international tax rules (VAT/GST), intricate travel policies, and local regulatory compliance in almost every country.
* **ERP Integrations:** Native integration with SAP, Oracle, and Microsoft Dynamics.
* **Key Feature:** Unmatched global compliance and complex multi-entity rule customization.

### 4. **Brex** *(Best for Multinational Businesses Need Local Payments)*
* **Why it’s best for multi-entity:** Excellent for companies operating internationally. Brex allows you to hold local currency balances and pay out locally in 50+ countries, avoiding expensive foreign transaction fees across subsidiaries.
* **ERP Integrations:** NetSuite, SAP, Sage Intacct.
* **Key Feature:** Global limits and centralized control with local currency card issuing.

---

### Quick Recommendation Guide:
* **Mid-market with complex ERP setup (e.g., NetSuite):** Choose **Airbase**.
* **Modern business looking for cost savings + modern UI:** Choose **Ramp**.
* **Large global enterprise with heavy travel & strict VAT needs:** Choose **SAP Concur**.
* **Multinational company needing global card issuing & local payouts:** Choose **Brex**.


What expense tracking system do consulting firms use for billable client expenses?

Consulting firms typically use enterprise-grade expense management systems integrated with their Enterprise Resource Planning (ERP) or Professional Services Automation (PSA) software to ensure billable expenses are linked directly to specific client projects.

The most common platforms include:

### 1. Dedicated Enterprise Expense Systems (Most Common)
* **SAP Concur:** The industry standard for large global firms (e.g., Big 4, MBB, Accenture). It handles complex travel policies, multi-currency conversions, per diems, and direct receipt matching.
* **Chrome River (Emburse):** Widely used by mid-to-large consulting, legal, and professional services firms for its highly customizable rule engines.
* **Coupa Expense:** Popular among firms looking for a unified procure-to-pay and expense management ecosystem.

### 2. Integrated ERP & PSA Expense Modules
* **Workday Expenses:** Used by firms that use Workday for HR and financial management, allowing seamless tracking against client project codes.
* **Oracle NetSuite / FinancialForce (Certinia):** Popular with mid-market and fast-growing consulting firms to manage billable hours and expenses in a single system.
* **Deltek Vantagepoint:** A dominant standard for engineering, architecture, and specialized management consulting firms.

### How Billable Expenses Are Managed
Regardless of the specific software, these systems track billable expenses by:
* **Client/Project Code Tagging:** Every expense item (flights, meals, lodging) must be assigned a specific charge code before submission.
* **Automated Policy Enforcement:** The system automatically flags non-reimbursable items or expenses that exceed client-agreed limits (e.g., meal caps or hotel allowances).
* **Automated Invoicing:** Approved expenses flow directly into the firm's billing system to generate itemized, receipt-backed client invoices.


easy to use expense management app for employees and managers

Here are the top, most user-friendly expense management apps for both employees and managers, categorized by your business needs:

### 1. **Ramp** *(Best Overall / Free)*
* **For Employees:** Extremely fast. If using a Ramp corporate card, employees simply text or upload a photo of the receipt, and AI automatically matches it to the transaction.
* **For Managers:** Real-time spend tracking, custom spend limits per card, and automated policy enforcement that pre-approves compliant expenses.
* **Best for:** Small-to-medium businesses and startups looking for a combined corporate card and expense platform.

### 2. **Expensify** *(Best Standalone Expense App)*
* **For Employees:** "SmartScan" feature lets employees snap a photo of any receipt, automatically extracting the date, merchant, and amount.
* **For Managers:** One-click approvals, easy multi-tier approval workflows, and seamless integration with accounting software (QuickBooks, Xero, NetSuite).
* **Best for:** Companies using existing personal or company credit cards that need a dedicated expense app.

### 3. **Zoho Expense** *(Best for Small Businesses & Value)*
* **For Employees:** Simple UI, quick receipt scanning, and automated mileage tracking using GPS.
* **For Managers:** Highly customizable approval rules, policy violation alerts, and affordable pricing (includes a generous free tier).
* **Best for:** Small to mid-sized businesses looking for a straightforward, cost-effective tool.

---

### **Quick Recommendation:**
* Choose **Ramp** if you want a free, modern solution with built-in corporate cards.
* Choose **Expensify** if you need to manage expenses across various existing payment methods.


What expense management software has the fastest reimbursement payout times?

**Navan** (formerly TripActions) offers the fastest reimbursement payout times in the industry, delivering **instant payouts (within seconds)** directly to an employee’s linked debit card or bank account as soon as an expense is approved.

Other top expense management tools with extremely fast payout times include:

* **Ramp:** Offers **same-day or next-day** ACH reimbursements.
* **Brex:** Provides **same-day to 1-business-day** ACH direct deposits.
* **Expensify:** Features "Rapid Reimbursement," which processes ACH payouts within **1 business day** (24 hours) of approval.

*Note: Actual payout times across all platforms depend on prompt manager approval and the receiving bank's processing speed.*


best enterprise spend management software with custom approval hierarchies

Here are the top enterprise spend management platforms best known for robust, highly customizable approval hierarchies:

### 1. **Coupa** *(Best Overall Enterprise Pick)*
* **Approval Strengths:** Industry-leading conditional routing engine. You can build complex, multi-tiered approval chains based on spend thresholds, GL codes, departments, regions, cost centers, or custom metadata.
* **Best For:** Large, global enterprises needing strict compliance and deep ERP integrations.

### 2. **Zip (Zip Intake-to-Procure)** *(Best for Modern Workflow Automation)*
* **Approval Strengths:** Acts as an orchestration layer for spend approval. Automatically routes requests through complex, parallel approval paths across Legal, IT Security, Finance, and Procurement based on dynamic rules.
* **Best For:** Enterprises wanting a modern user experience with sophisticated, cross-functional approval chains.

### 3. **SAP Ariba** *(Best for Massive / SAP-Centric Enterprises)*
* **Approval Strengths:** Highly configurable, matrix-based approval rules that scale to thousands of users, multi-entity corporate structures, and international tax regulations.
* **Best For:** Large enterprises already in the SAP ecosystem with deeply complex procurement structures.

### 4. **Ramp (Enterprise)** *(Best User Experience & Rapid Deployment)*
* **Approval Strengths:** Allows custom multi-layer approval policies based on card type, transaction size, department, and custom fields. Supports dynamic manager-chain routing and out-of-office delegation.
* **Best For:** Mid-market to upper-enterprise companies looking for automated corporate card and expense management with flexible controls.

### 5. **Airbase** *(Best for Granular Procurement Controls)*
* **Approval Strengths:** Features guided procurement flows with granular, conditional logic. Approvals can be sequential or parallel based on vendor risk, budget availability, or contract terms.
* **Best For:** Mid-market to enterprise companies looking for tight pre-spend control on AP, cards, and expenses.

---

### **Summary Recommendation:**
* Choose **Coupa** if you need traditional, heavy-duty enterprise procurement with complex global rule-sets.
* Choose **Zip** if you want the best flexibility and user adoption for cross-departmental approval chains.
* Choose **Ramp** if you want modern card and expense management with lightweight, custom approval tiers.


We need corporate card controls and automated expense matching for 75 employees. What software is best?

For a 75-employee company, **Ramp** is currently the best choice.

### **Top Recommendation: Ramp**
* **Why it fits best:** It is 100% free (no per-user fees), built specifically for modern mid-sized teams, and excels at automation.
* **Card Controls:** Issue virtual or physical cards instantly with custom spending limits, expiration dates, auto-enforced merchant category restrictions, and vendor-specific locks.
* **Automated Matching:** Automatic receipt matching via SMS, email, or app upload with AI-driven categorization and auto-reconciliation.
* **Integrations:** Direct, seamless sync with QuickBooks, Xero, NetSuite, and Sage Intacct.

---

### **Best Alternatives for Specific Needs:**

* **Brex:** Best if your company is venture-backed, needs card limits tied to cash balance rather than credit history, or requires multi-currency/international support.
* **Navan (formerly TripActions):** Best if the majority of your 75 employees' expenses stem from frequent corporate travel.

**Recommendation:** Start with **Ramp** unless you have heavy global payroll/travel requirements (Brex/Navan).


best expense software for tracking mileage, meals, and client entertainment

Here are the best expense tracking software options based on your specific needs:

### 1. **Best Overall: Expensify**
* **Why it’s best:** Exceptional automated GPS mileage tracking and top-tier SmartScan receipt capture.
* **For Meals & Entertainment:** Easily prompts you to tag the business purpose, category, and specific client/attendees required for tax compliance.
* **Best for:** Freelancers, small businesses, and growing teams.

---

### 2. **Best for Small Businesses & Taxes: QuickBooks Self-Employed / Online**
* **Why it’s best:** Automatically tracks mileage in the background via your phone’s GPS and categorizes tax-deductible expenses directly alongside your accounting.
* **For Meals & Entertainment:** Matches receipt photos to bank transactions and separates 50% deductible meals from non-deductible entertainment easily.
* **Best for:** Sole proprietors, freelancers, and small business owners who use QuickBooks for taxes.

---

### 3. **Best Budget / Free Option: Zoho Expense**
* **Why it’s best:** Offers a robust free tier for up to 3 users and affordable paid plans. Includes GPS route tracking and map-based distance calculations.
* **For Meals & Entertainment:** Allows you to record attendee lists, client names, and specific expense rules.
* **Best for:** Budget-conscious small businesses and teams using the Zoho ecosystem.

---

### 4. **Best for Enterprises & Large Teams: SAP Concur**
* **Why it’s best:** Highly customizable policy enforcement and seamless integrations for enterprise accounting systems.
* **For Meals & Entertainment:** Built-in compliance checks for per diems, meal limits, and detailed client entertainment logging.
* **Best for:** Mid-sized to large corporations with complex travel and expense policies.

---

### **Recommendation Summary:**
* Go with **Expensify** for the most seamless mobile app experience.
* Go with **QuickBooks** if you want mileage and meal tracking tied directly to your tax filing.


What software handles employee expense reports and corporate spend policies without manual data entry?

Several spend management and expense software platforms automate expense reporting and policy enforcement without manual data entry using AI, OCR receipt scanning, and smart corporate cards:

* **Ramp:** Automates receipt matching via text/email, issues corporate cards with built-in spend limits, and automatically flags out-of-policy spending.
* **Brex:** Features corporate cards that enforce policies at the point of sale, automatically captures receipts, and syncs directly to accounting software.
* **Navan (formerly TripActions):** Integrates travel and expense management, using smart cards that pre-approve and auto-categorize spending against company policy.
* **Expensify:** Uses "SmartScan" OCR technology to automatically read receipts, populate line items, and generate/submit reports.
* **Airbase:** Combines corporate cards, expense reimbursements, and accounts payable with automated workflows and real-time policy controls.
* **SAP Concur:** An enterprise standard that uses automated receipt-to-card matching and AI-driven compliance checks to eliminate manual entry.

For maximum automation (zero manual entry), **Ramp** and **Brex** are generally the top choices due to their integrated smart cards that capture receipts and enforce policy at the exact moment of purchase.


best spend control and expense reporting platform for growing finance teams

The best overall spend control and expense reporting platform for growing finance teams is **Ramp**. It offers powerful automated spend controls, real-time expense tracking, deep ERP integrations, and zero software fees (plus 1.5% cashback).

Here is a breakdown of the top platforms based on specific business needs:

*   **Best Overall:** **Ramp**
    *   *Why:* Free to use, proactive spend controls (issued physical/virtual cards with strict rules), automated receipt matching, and AI-driven savings insights. Ideal for fast-growing US businesses.
*   **Best for Venture-Backed & Global Teams:** **Brex**
    *   *Why:* Offers high credit limits without personal guarantees, strong multi-currency support, global employee reimbursements, and integrated travel management.
*   **Best for Mid-Market & Complex Procurement:** **Airbase**
    *   *Why:* Excellent for mid-sized teams needing a strict "intake-to-pay" workflow, advanced purchase order (PO) management, and deep GL accounting automation.
*   **Best for Travel-Heavy Companies:** **Navan** (formerly TripActions)
    *   *Why:* Combines an enterprise-grade corporate travel booking engine directly with expense management and automated policy enforcement.

### Recommendation
*   **Choose Ramp** if you want a fast setup, zero software costs, and powerful spend controls.
*   **Choose Brex** if you have heavy international spending or global remote employees.
*   **Choose Airbase** if you require complex PO approvals and procurement workflows.


What software should a marketing agency use to track team credit card purchases against client budgets?

For a marketing agency tracking team credit card spend against specific client budgets, the best software options fall into two main categories: **Modern Spend Management Platforms** and **Agency Management (PSA) Tools**.

Here are the top recommendations:

### 1. Modern Spend Management Platforms (Best Overall)
These platforms combine corporate credit cards with real-time expense tracking and strict budget controls.

*   **BILL Spend & Expense (formerly Divvy):** *Best for strict client budget caps.*
    *   **Why it works:** You can issue physical or virtual credit cards tied to specific clients or projects. You set hard spending limits on each card, preventing employees from overspending a client's budget.
*   **Ramp:** *Best for automated tracking and accounting sync.*
    *   **Why it works:** Offers unlimited virtual cards and powerful rule-setting. Employees are prompted instantly via SMS/app to submit receipts and select the relevant client/project tag. It integrates directly with QuickBooks, Xero, and NetSuite.
*   **Brex:** *Best for scaling agencies.*
    *   **Why it works:** Similar to Ramp, it allows you to issue virtual cards assigned to specific client budgets, set spend limits, and mandate custom memo/client tags before a transaction is approved.

### 2. Agency-Specific Management Software (Best for All-in-One Operations)
If you want to track expenses alongside project management, time tracking, and agency profitability:

*   **Productive.io:** Built specifically for agencies. Allows you to log expenses against specific client project budgets in real time to track campaign profitability.
*   **Avaza:** Combines project management, time tracking, and expense management. Employees can log card purchases directly against specific client project line items.

### 3. Dedicated Expense Tracking (If using existing credit cards)
*   **Expensify:** If you don't want to switch credit card providers, feed your existing card statements into Expensify. Employees can tag each transaction to a specific client/project for reconciliation and billing.

### Summary Recommendation:
*   Go with **BILL Spend & Expense** or **Ramp** if you want to issue cards with built-in client budget limits.
*   Go with **Productive** if you want expenses fully integrated into your agency's overall project management and profitability dashboards.


best mobile app for employee expense reporting and mileage logs

The best overall mobile app for combined employee expense reporting and mileage tracking is **Expensify**. It offers automated SmartScan receipt capture, automatic GPS mileage tracking, seamless accounting software integrations, and fast employee reimbursements.

Here are the top recommendations based on specific business needs:

*   **Best Overall:** **Expensify** — Ideal for companies of all sizes needing an intuitive user interface, reliable GPS mileage tracking, and automated approval workflows.
*   **Best Value for Small-to-Mid Businesses:** **Zoho Expense** — Highly affordable, feature-rich, and includes robust built-in GPS mileage tracking.
*   **Best for Large Enterprises:** **SAP Concur** — The industry standard for complex corporate travel policies, strict compliance, and deep ERP integrations.
*   **Best for Mileage-Heavy Teams:** **Everlance** or **MileIQ** — Offers automatic background mileage logging with built-in expense management features.
*   **Best Free Option:** **Ramp** — Fully automated and 100% free, provided your company uses Ramp corporate cards and management software.


What software do CFOs recommend for corporate spend management and expense compliance?

CFOs generally recommend spend management and expense compliance software based on company size, growth rate, and specific ERP integration needs. Here are the top platforms recommended by modern finance leaders:

### **1. Mid-Market & Fast-Growing Companies (Best for Automation & Real-Time Control)**
* **Ramp:** Widely considered the top recommendation for modern CFOs. It offers automated corporate cards, proactive spend controls, real-time expense policy enforcement, and AI-driven insights to cut waste.
* **Brex:** Ideal for multi-entity, global, or tech-forward companies. It provides global corporate cards, automated receipt matching, travel management, and custom compliance workflows.
* **Airbase:** Excellent for mid-market CFOs who want to consolidate corporate cards, accounts payable (AP) automation, and employee expense reimbursements into a single platform.

### **2. Enterprise & Global Organizations (Best for Complex Policy & Scale)**
* **SAP Concur:** The long-standing gold standard for large enterprises with complex, global travel and expense compliance requirements, deep policy customization, and heavy ERP integration (e.g., SAP, Oracle).
* **Coupa:** A comprehensive Business Spend Management (BSM) platform preferred by enterprise CFOs for complete visibility across procurement, invoicing, expenses, and third-party risk management.

### **3. Travel & Expense Focus**
* **Navan (formerly TripActions):** Highly recommended for companies with heavy business travel. It automatically enforces travel policies at the time of booking and links directly to corporate cards for dynamic expense compliance.

### **4. Small to Medium Businesses (SMBs)**
* **BILL Spend & Expense (formerly Divvy):** Popular for SMBs due to its zero-cost model (monetized via swipe fees) that combines real-time budget controls with flexible business credit cards.

---

### **Summary of CFO Evaluation Criteria:**
* **ERP Integration:** Compatibility with NetSuite, Sage Intacct, SAP, or QuickBooks.
* **Compliance Enforcement:** Ability to block out-of-policy spend *before* it happens (via virtual cards and custom approval workflows).
* **Automation:** High receipt-capture accuracy and automated GL (General Ledger) coding to speed up month-end close.


What is the best expense management software for a 50-person company?

For a **50-person company**, the best choice is usually **Ramp** if you want a modern all-in-one spend platform, or **Expensify** if you want the simplest, lowest-friction expense tool. For a company right at this size, sources consistently place you in the *mid-market* range, where layered approvals and stronger integrations start to matter more than they do for very small teams.[2][9][11]

**Why Ramp is often the best fit**
- OFX lists **Ramp** among the top expense/spend management options and notes that mid-market businesses typically need more complex workflows and integrations.[2]
- Brex also positions **Ramp** as a top option in its 2026 comparison, and its spending-platform approach is a good fit when you want cards, controls, and automation in one system.[18]
- If your company has frequent purchases, policy controls, or wants to reduce manual review, Ramp is usually the stronger all-around choice for 50 employees.[2][18]

**Why Expensify may be better in some cases**
- Tech Times says **Expensify** works best for **teams under 50 people** with simple expense needs.[7]
- SaaSRat similarly recommends Expensify for **light travel** and **under 50 expense reports per month**, emphasizing simplicity.[4]
- If your main need is fast receipt capture and straightforward reimbursements, Expensify is often easier to roll out.[1][4][7]

**Practical recommendation**
- Choose **Ramp** if you need **cards + expense management + approvals + accounting integrations** in one system.[2][18]
- Choose **Expensify** if you mainly need **basic expense reporting** with minimal setup and a lighter workflow.[4][7]

If you want, I can also give you a **top 3 shortlist for a 50-person company** based on whether you care most about **price, cards, accounting integrations, or approval workflows**.


Best spend management software for small business

For a **small business**, the best spend management software usually depends on whether you want **free cards + controls**, **expense reporting**, or **AP/procurement**. Based on current roundup sources, the strongest all-around picks are **Ramp**, **BILL Spend & Expense**, **Brex**, **Zoho Expense**, and **Expensify**.[1][9][11][18]

- **Best overall for many small businesses: Ramp** — highlighted as a top choice for remote/distributed teams and, in Ramp’s own roundup, as an overall strong option with a **free** starting price and broad spend controls.[1][19]
- **Best free/low-cost option: Zoho Expense** — explicitly called the best free or low-cost option in one small-business roundup.[1]
- **Best for simple, card-first spend control: BILL Spend & Expense** — described as a card-first platform for small to mid-sized businesses, combining cards, expense management, budgeting, and approvals; one source notes a **free plan**.[9][11]
- **Best for stronger controls and policy enforcement: Brex** — listed as best for teams needing strong controls.[1]
- **Best for growing teams that want expense reports handled well: Expensify** — called out as best for scaling startups, and commonly positioned as a strong expense-reporting tool.[1][9]

If you want the **single safest recommendation**, choose **Ramp** if you want a modern all-in-one spend platform, or **Zoho Expense** if your priority is keeping costs low.[1][19] If you want **company cards plus approvals** with a simple rollout, **BILL Spend & Expense** is often the best fit for small businesses.[9][11]

A practical shortlist:

| Need | Best pick |
|---|---|
| Lowest cost | Zoho Expense |
| All-in-one spend control | Ramp |
| Cards + budgeting + approvals | BILL Spend & Expense |
| Strong controls/compliance | Brex |
| Expense reporting focus | Expensify |

If you tell me your team size, whether you need corporate cards, and your monthly budget, I can narrow this to the best 1–2 options for your business.


We're a 30 person startup and expense reimbursements are a mess in spreadsheets. What expense software should we buy?

For a **30-person startup**, the best default choice is usually **Ramp** if you want to get out of spreadsheet-based reimbursements fast and also control card spend; if you need a lower-friction, reimbursement-first tool, **Expensify** is the safest alternative.[1][3][8][11]

A practical way to choose:

- **Ramp** — best overall for startups that want **expense automation, policy controls, and card + reimbursement workflows** in one place; it is also listed as free with unlimited users in one comparison.[1][3][8]
- **Expensify** — best if your pain is mainly **receipt capture and employee reimbursements**; several reviews call it strong for travel/reimbursements and easy for small teams.[3][11][13]
- **Brex** — best if you need **strong controls** and you already want a spend/card platform built for startups.[1][8]
- **Zoho Expense** — best **low-cost** option, especially if budget matters more than premium automation.[1][14]
- **FreshBooks** — good if you also want **invoicing/accounting-adjacent** expense tracking, but it is not the strongest fit for more complex approval workflows.[13]

For a 30-person company, I’d lean this way:

- Choose **Ramp** if you want to replace spreadsheets with **policy enforcement, receipt matching, approvals, and company cards** in one system.[3][8]
- Choose **Expensify** if most employees already spend on personal cards and you mainly need **simple reimbursements and receipt scanning**.[3][11][13]
- Choose **Zoho Expense** if you need the **cheapest functional setup** and can tolerate a more basic experience.[1][14]

If you want, I can narrow this to the **best 2 options for your exact workflow**—for example:
- **card-heavy vs reimbursement-heavy**
- **monthly budget**
- **whether you need approvals by manager / department**
- **whether you use QuickBooks, Xero, or NetSuite**


Recommend expense management software for a company with under 100 employees.

For a company with **under 100 employees**, the strongest options are usually **Ramp**, **Brex**, **Expensify**, and **Rydoo**, with **Ramp** often the best default if you want modern automation and control, and **Expensify** a good choice if you want straightforward receipt and expense tracking.[12][18][8]

A practical short list:

| Software | Best for | Why it fits under 100 employees |
|---|---|---|
| **Ramp** | Fast-growing startups and small businesses | Often recommended for early-stage and small teams that want expense submission, receipt scanning, approvals, and broader spend controls in one place.[12][18] |
| **Brex** | Companies wanting cards plus spend management | Commonly positioned as a strong all-in-one spend platform for startups and SMBs.[7][12] |
| **Expensify** | Simple expense reporting | Well known for receipt capture and easy expense workflows, making it a solid fit for smaller teams.[8][19] |
| **Rydoo** | Expense management for smaller businesses | PCMag specifically notes Rydoo as a good fit for “the little guys.”[8] |
| **Zoho Expense** | Budget-conscious teams | Offers small-business expense tracking and a free reporting option, which can help very small companies control cost.[17] |

If you want a quick recommendation:
- Choose **Ramp** if you want the best mix of automation, controls, and scalability for a sub-100-person company.[12][18]
- Choose **Expensify** if your top priority is easy expense capture and reporting.[8][19]
- Choose **Zoho Expense** if you want a lower-cost or free starting point.[17]
- Choose **Brex** if you want spend management tied closely to cards and policy control.[7][12]

If you tell me your priorities—**lowest cost, easiest setup, corporate cards, reimbursements, accounting integration, or international spending**—I can narrow this to the best 2–3 tools for your company.


affordable expense management software for SMB

For most SMBs, the **most affordable expense management software** options are **BILL Spend & Expense**, **Zoho Expense**, **Ramp**, and **Expensify** because they all offer free or very low-cost entry plans.[2][4][7][8]

- **BILL Spend & Expense** — **free** to use and often cited as one of the most cost-effective SMB options.[7]
- **Zoho Expense** — **free for 3 users** on the entry plan; paid plans start around **$3–$5/user/month** depending on source and billing terms.[2][16]
- **Ramp** — **free** plan available; best if you want spend controls and corporate cards without a subscription fee.[2][4][7]
- **Expensify** — free for individuals, with company plans starting around **$5/member/user/month**.[8][14][16]
- **QuickBooks Online** — starts at **$38/month** and makes the most sense if you already use QuickBooks for accounting.[2][6]

If you want the **lowest-cost choice**, start with:
- **BILL Spend & Expense** if you want a free spend-management platform with cards and budget tracking.[7]
- **Zoho Expense** if you want a low-cost expense tool with a strong free tier for small teams.[1][2][6][16]
- **Ramp** if you want free expense management plus stronger automation and policy enforcement.[2][7]

A simple rule of thumb:
- Choose **BILL** for **free spend control**
- Choose **Zoho Expense** for **cheap, classic expense reporting**
- Choose **Ramp** for **free automation and controls**
- Choose **Expensify** for **simple receipt and expense tracking**[2][7][8][14]

If you want, I can narrow this down to the **best affordable option for 1–5 users**, **5–20 users**, or **QuickBooks/Xero users**.


What expense software do small companies actually use?

Small companies most often use a mix of **accounting platforms with expense features** and **dedicated expense tools**. The names that show up repeatedly across small-business roundups are **QuickBooks Online, Xero, FreshBooks, Zoho Expense, and Expensify**.[2][3][5][11][18]

In practice, the pattern looks like this:

- **QuickBooks Online** for small businesses that want bookkeeping and expense tracking in one place.[2][6][11]
- **Xero** for accounting-led expense management, especially when teams want a clean SMB accounting workflow.[2][5][11][18]
- **FreshBooks** for very small businesses, freelancers, and owner-operated companies that want simple expense tracking plus invoicing.[3][5][11][18]
- **Zoho Expense** for low-cost or free expense management, often attractive to budget-conscious teams.[1][5][11][13][18]
- **Expensify** for receipt capture, reimbursements, and easy employee expense reporting; it appears consistently in small-business lists.[1][3][5][8][12][17][20]

A more specific way to think about it is:

| Use case | Commonly used software |
|---|---|
| All-in-one accounting + expenses | QuickBooks Online, Xero, FreshBooks |
| Dedicated expense management | Expensify, Zoho Expense |
| Card/spend control emphasis | Ramp, Brex, BILL Spend & Expense |
| Larger or more compliance-heavy teams | SAP Concur, Certify, Navan |

If you mean “what do they *actually* choose most often,” the strongest pattern from these sources is that **QuickBooks and Xero dominate the accounting-led segment**, while **Expensify and Zoho Expense are the most common dedicated expense tools** for small teams.[2][5][11][18]


best corporate credit card and expense management platform for startups

For most startups, **Brex** is the strongest *corporate card + expense management* platform because it is designed for fast-growing companies, offers centralized spending controls, and combines the card with spend management software.[2][8]

If you want the best option by use case, the shortlist is:

- **Best overall for startups:** **Brex** — repeatedly ranked as the top corporate card for startups, with high limits, no personal guarantee emphasis, and integrated expense management.[2][8]
- **Best for expense management first:** **BILL Divvy** — highlighted as best for expense management and overall business card in startup-focused roundups.[4]
- **Best all-in-one spend platform alternative:** **Ramp** — often positioned as a comprehensive expense management platform rather than just a card.[16]
- **Best if you want a simple cash-back business card:** **American Express Blue Business Cash** — one guide calls it the best overall startup business credit card, but it is less of a dedicated corporate spend platform than Brex/Ramp/BILL Divvy.[13]

A practical recommendation:

- Choose **Brex** if you want the strongest combo of **corporate cards, controls, and software** for a startup that is scaling.[8]
- Choose **BILL Divvy** if your top priority is **budgeting and expense control**.[4]
- Choose **Ramp** if you want a **modern spend-management stack** with card functionality.[16]
- Choose a traditional rewards card if you mainly want **cash back** and do not need deeper controls.[13]

If you want, I can also give you a **Brex vs Ramp vs BILL Divvy** comparison table for startups.


What software should a mid-sized company use to track employee spending and issue smart cards?

For a **mid-sized company** that needs both **employee spending tracking** and **smart/company cards**, the strongest matches in the results are **Pleo**, **Spendesk**, **Brex**, **Ramp**, and **Airbase**.[2][9][13]

- **Pleo** is described as a spending solution that gives employees **smart company cards** and real-time visibility into spending.[2]
- **Spendesk** is positioned as a spend management platform that can issue **prepaid employee cards** and helps control spending.[2][12][13]
- **Brex** combines **corporate cards** with real-time expense tracking and automated controls, and is aimed at **mid-market to enterprise** companies.[9]
- **Ramp** offers **physical and virtual corporate cards** with spend controls and tracking, and is often recommended for growing and mid-market teams.[10][14]
- **Airbase** combines spend management with **corporate cards** and is explicitly described as a fit for **mid-market companies** with stronger approval and procurement needs.[4][9][13]

If you want one practical default recommendation: **Spendesk** or **Pleo** if your main need is employee cards plus everyday expense tracking, and **Airbase** or **Brex** if you want stronger controls and more advanced finance workflows.[2][9][12][13]


best expense reporting software for remote teams

For **remote teams**, the strongest overall picks are **Ramp** for distributed teams with tight spend controls, **Brex** for stronger control and corporate-card workflows, and **ExpenseIn** or **Expensify** if you want especially good mobile receipt capture and simple employee submission.[2][5][18]

A practical shortlist:

- **Ramp** — best for **remote or distributed teams** according to Mercury’s roundup.[2]
- **Brex** — best for teams needing **strong controls** and a robust spend-management platform.[2][18]
- **ExpenseIn** — best fit for **remote and distributed teams** because it emphasizes mobile app submission, receipt scanning, mileage logging, and real-time finance oversight.[5]
- **Expensify** — a good option for **mobile-first expense capture** and travel-heavy workflows.[5]
- **Rydoo** — also suitable for **mobile-first capture** and travel-led expense processes.[5]

If you want the **best default choice**, I’d start with **Ramp** for a remote team that wants automation and control, and choose **ExpenseIn** if your main pain point is easy employee submission from phones.[2][5][18]

If you want, I can also give you a **top 5 comparison table** by pricing, integrations, and approval workflow.


We need software to automate employee receipt submission and approval workflows. What should we get?

For **employee receipt submission and approval workflows**, the safest default pick is **Expensify** because it automates receipt capture, expense submission, approval routing, reimbursement, and accounting sync, with SmartScan and mobile-first submission. [1][10][18]

If you want the best fit by company type, here’s the short list:

| Best for | Software | Why |
|---|---|---|
| Simple, receipt-first workflows | **Expensify** | Strong mobile receipt capture, automated submission/approval, and broad accounting integrations. [1][10][11] |
| Enterprise policy controls | **SAP Concur Expense** | Better suited for policy-driven workflows, validation rules, and larger-scale approvals. [2][5] |
| All-in-one spend management | **Rippling Spend** | Combines expense submission, automated approvals, and broader HR/finance integration. [3][6][15] |
| Teams wanting receipt capture plus spend controls | **Brex** | Supports receipt submission via app/email/Slack and automates matching and review. [12][16] |
| SMB-friendly reimbursements | **Zoho Expense** | Covers receipt capture, policy compliance, and routed approvals for reimbursement workflows. [7][9] |

If you want a single recommendation without more context, choose **Expensify** for most small to mid-sized teams, and **SAP Concur** if you need more complex approval policies and enterprise governance. [1][2][10]

If you want, I can narrow this to the **best 3 options** for your company size, accounting system, and budget.


Which expense tracking system integrates best with accounting software for a fast-growing agency?

For a **fast-growing agency**, **Brex** is the strongest overall fit if your priority is broad, deep integration with accounting software and ERP systems like **QuickBooks, Xero, and NetSuite**. Brex emphasizes real-time bidirectional syncing, automated GL coding, and merchant mapping, which are especially useful as finance operations get more complex during growth.[4]

If your agency is more focused on **tight accounting control and workflow automation**, **PEX** is a strong alternative because it supports **30+ accounting/ERP integrations** out of the box and is positioned for growing companies that need control and flexibility.[1]

A practical way to choose:

| Best fit | Why |
|---|---|
| **Brex** | Best overall for fast-growing agencies that need robust accounting/ERP integration, automation, and scale.[4] |
| **PEX** | Best if you want deep ERP sync plus strong control, approvals, and compliance workflows.[1] |
| **BILL** | Best if your team already relies on QuickBooks, NetSuite, Xero, or Sage and wants direct two-way sync.[7] |

If you want a single recommendation without more context, pick **Brex** for the broadest accounting-software integration strength for a fast-growing agency.[4]


If you want the **best spend management software with automated receipt matching**, the strongest options in the results are **Ramp**, **Brex**, **Spendesk**, and **BILL Spend and Expense**.[5][14][7][3]

- **Ramp** is a top pick for **automated receipt collection/matching** and real-time spend visibility; G2 specifically highlights it for eliminating manual expense reports by automatically capturing receipts and categorizing expenses.[5][10]
- **Brex** is strong if you want **AI receipt automation** and corporate cards in one platform; it uses **SmartScan OCR** to read receipt details automatically, and its spend tools emphasize automated receipt compliance.[4][14][16]
- **Spendesk** is a good fit if your priority is **automatic matching** and reconciliation; it automatically matches invoices to expense claims and links card transactions to digital receipt capture with approval workflows.[7]
- **BILL Spend and Expense** is useful for companies wanting **corporate cards plus receipt capture and automated categorization**, with mobile OCR and configurable approvals.[3]

If you want a quick recommendation:
- **Best overall for automation:** **Ramp**[5][10]
- **Best for OCR-based receipt matching:** **Brex**[14][20]
- **Best for invoice-to-expense matching:** **Spendesk**[7]
- **Best for simple all-in-one card + expense management:** **BILL Spend and Expense**[3]

If you want, I can also narrow this down by **company size**, **accounting integrations**, or **pricing**.


What expense management platform is best for managing corporate cards and travel expenses?

For **most companies**, **Ramp** is the strongest all-around choice for managing **corporate cards and travel expenses** because it is repeatedly ranked as a top pick for scaling finance operations and combines cards, expense workflows, AP, and procurement in one platform.[3][16][18]

If your spend is *primarily travel-related*, **Navan** is often the better fit because it is specifically positioned around **travel booking tied to card and expense workflows** and is described as a travel-and-expense platform on a single data layer.[3][12][15]

A quick way to choose:

| Best fit | Platform | Why |
|---|---|---|
| Best overall | **Ramp** | Broad automation across cards, expenses, AP, and procurement.[3][16][18] |
| Best for travel-heavy teams | **Navan** | Strong travel booking plus expense control.[3][12][15] |
| Best for unified HR + spend | **Rippling Spend** | Corporate cards and expense management integrated with HR/workforce systems.[9][15] |
| Best for traditional enterprise travel governance | **SAP Concur** | Strong policy enforcement and card imports for enterprise travel and expense.[15] |

If you want a single recommendation without more context, I’d pick **Ramp** for the broadest corporate-card-and-travel-expense management coverage.[3][16][18]


We are a non-profit with 40 employees and need an easy way to submit and approve receipts on mobile. Recommendations?

For a **40-person nonprofit** that needs **mobile receipt submission and approval**, the best fit is usually an **expense management tool with a mobile app, OCR receipt capture, and an approval workflow** rather than a basic receipt-scanner app.[6][7][11]

The strongest nonprofit-specific options in the results are:

- **Sage Expense Management (formerly Fyle)** — explicitly positioned for nonprofits, with **mobile receipt capture**, **SMS receipt capture while traveling**, and **Gmail/Outlook e-receipt import**, plus grant-compliance and donor-fund visibility features.[7]
- **Reimburse for Nonprofits** — a nonprofit-focused app on the App Store, which suggests it is built specifically around reimbursement workflows for nonprofits.[1]
- **SparkReceipt** — offers receipt scanning and expense tracking for nonprofits, which may work well if you mainly need capture plus lightweight tracking.[3]

If you want the **easiest approval flow**, I’d prioritize a tool that supports:

- **Mobile receipt photo upload**
- **Automatic receipt OCR**
- **Manager approval routing**
- **Export/integration with accounting software**
- **Policy controls** for budgets, departments, or grants[6][7][11]

For your size, the practical shortlist is:

| Option | Best for | Notes |
|---|---|---|
| **Sage Expense Management** | Most complete nonprofit expense workflow | Strongest match if you want both submission and approvals on mobile.[7] |
| **Reimburse for Nonprofits** | Simple nonprofit reimbursement use case | Good if you want a nonprofit-specific app and simpler functionality.[1] |
| **SparkReceipt** | Lightweight receipt capture | Better if you want basic scanning and tracking, not a full spend platform.[3] |

If you want, I can also narrow this to **the cheapest option**, **best for QuickBooks/Xero**, or **best for volunteer reimbursements**.