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.

Here is why, along with the top alternatives based on your specific needs:

* **Best Overall: Ramp**
  * **Why:** It is completely free to use, includes unlimited corporate cards (virtual and physical), automatically matches receipts via SMS/email, and integrates seamlessly with accounting tools like QuickBooks, Xero, and NetSuite. It also offers advanced spending controls and automated approval workflows tailored to growing mid-sized companies.

* **Best for Travel-Heavy Teams: Navan (formerly TripActions)**
  * **Why:** If a large portion of your 50 employees travel frequently, Navan combines corporate travel booking with expense management, offering automated reporting and built-in policy enforcement.

* **Best Alternative for Startups/Tech: Brex**
  * **Why:** Very similar to Ramp, offering smart cards, automated expense tracking, and credit lines without personal guarantees. It is especially strong for venture-backed companies.

* **Best without Corporate Cards: Zoho Expense**
  * **Why:** If you want to keep your existing credit cards/banks and just need software for receipt scanning, employee reimbursements, and approval hierarchies, Zoho Expense is extremely affordable and effective.

**Recommendation:** Go with **Ramp** unless corporate travel booking is your primary driver, in which case choose **Navan**.


Best spend management software for small business

Here are the best spend management tools for small businesses, categorized by top use case:

1. **Ramp (Best Overall & Best Value)**
   * **Why it’s great:** 100% free, offers corporate cards with up to 1.5% cashback, automated receipt matching, and built-in vendor/software price intelligence.
   * **Best for:** Small to mid-sized businesses wanting an all-in-one, cost-free platform.

2. **BILL Spend & Expense / formerly Divvy (Best for Budget Control)**
   * **Why it’s great:** Free to use, allows you to assign strict budgets to specific employee cards before spending happens, preventing overspend.
   * **Best for:** Businesses focused on enforcing strict team spending limits.

3. **Brex (Best for Venture-Backed Startups)**
   * **Why it’s great:** Offers high limit corporate cards with no personal guarantee, venture debt options, and strong accounting integrations.
   * **Best for:** High-growth startups and tech companies.

4. **Expensify (Best for Micro-Businesses & Solopreneurs)**
   * **Why it’s great:** Extremely simple mobile app focused primarily on receipt scanning, mileage tracking, and simple employee reimbursements.
   * **Best for:** Very small teams needing simple expense reporting without corporate cards.

5. **Navan / formerly TripActions (Best for Travel-Heavy Businesses)**
   * **Why it’s great:** Combines corporate card spending with a full travel-booking platform that rewards employees for booking cheap flights/hotels.
   * **Best for:** Teams with frequent business travel.

### Quick Recommendation:
* Go with **Ramp** if you want the best overall feature set and cashback for free.
* Go with **BILL Spend & Expense** if your priority is setting hard budget limits for employees.


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 options depend on whether you want an all-in-one corporate card + expense platform or just software for out-of-pocket reimbursements.

### Top Recommendation (All-in-One: Cards + Reimbursements)
**1. Ramp** (or **Brex**)
* **Best for:** Most startups.
* **Why:** The software is **free**. It combines physical/virtual corporate cards with automated out-of-pocket reimbursements. Employees snap photos of receipts, AI matches them automatically, and it syncs directly with QuickBooks, Xero, or NetSuite.

### Alternative Options
**2. Expensify** (Pure Reimbursement)
* **Best if:** You don’t want to issue company cards and only need to reimburse employee out-of-pocket spending.
* **Why:** Industry standard for receipt scanning, easy mileage tracking, and fast direct-deposit reimbursements.
* **Cost:** ~$5–$9 per active user/month.

**3. Navan** (Formerly TripActions)
* **Best if:** Your team does a lot of business travel.
* **Why:** Excellent combined travel booking and expense management platform with automated expense reporting.

### Summary
* Go with **Ramp** if you want a free, modern solution that handles both corporate cards and out-of-pocket expenses.
* Go with **Expensify** if you strictly want to handle out-of-pocket employee reimbursements without changing your current card setup.


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

Here are the top expense management software options for companies with under 100 employees, tailored to different business needs:

### 1. **Ramp** (Best Overall & Best Value)
* **Why it fits:** Ramp is completely **free** to use and combines corporate cards with automated expense management, bill pay, and accounting integrations.
* **Best for:** Companies that want an all-in-one platform with automated policy enforcement and zero software fees.

### 2. **Expensify** (Best for Flexible Setup & Receipt Scanning)
* **Why it fits:** Highly intuitive mobile app with top-tier SmartScan technology for receipts. It allows employees to use personal cards and get reimbursed quickly.
* **Pricing:** Free tier available; paid plans start around $5–$9 per user/month.
* **Best for:** Teams with remote/field workers who need easy receipt capture and fast reimbursements.

### 3. **Zoho Expense** (Best Budget Option for Very Small Teams)
* **Why it fits:** Very affordable, easy to set up, and offers a robust free tier for up to 3 users.
* **Pricing:** Free for up to 3 users; paid plans start at $3 per active user/month.
* **Best for:** Cost-conscious SMBs or those already using the Zoho software ecosystem.

### 4. **Brex** (Best Alternative for Venture-Backed/Growing Startups)
* **Why it fits:** Similar to Ramp, offering free corporate cards with integrated expense tracking, high credit limits without personal guarantees, and automated receipt matching.
* **Best for:** Fast-growing tech startups and venture-backed companies.

---

### **Recommendation:**
* Choose **Ramp** if you want a **100% free solution** with corporate cards and automated controls.
* Choose **Expensify** if employees mostly use **personal cards** and need direct reimbursements.


affordable expense management software for SMB

Here are the top affordable expense management tools for small and medium-sized businesses (SMBs):

### 1. **Ramp** (Best Overall / 100% Free)
* **Pricing:** Free (Monetizes through card interchange fees).
* **Key Features:** Unlimited corporate cards, automated receipt matching, real-time spending controls, and accounting integrations (QuickBooks, Xero, NetSuite).
* **Best For:** Businesses looking for a completely free end-to-end platform with smart corporate cards.

### 2. **Zoho Expense** (Best Low-Cost Tier)
* **Pricing:** Free tier (up to 3 users); Paid plans start at **$3/user/month**.
* **Key Features:** Auto-scan receipts, mileage tracking, multi-currency support, and approval workflows.
* **Best For:** Micro-businesses or teams already using the Zoho ecosystem.

### 3. **Expensify** (Best for Receipt Scanning)
* **Pricing:** Free basic plan; Paid plans start at **$5/user/month** (with Expensify Card usage).
* **Key Features:** "SmartScan" receipt technology, automatic submission/reimbursement, next-day direct deposit.
* **Best For:** Companies needing fast, mobile-first receipt processing for traveling employees.

### 4. **Fyle** (Best for Existing Credit Cards)
* **Pricing:** Starts at **$8.99/user/month** (billed annually).
* **Key Features:** Real-time expense tracking on your *existing* Visa/Mastercard business cards, text-message receipt submission.
* **Best For:** SMBs that want to keep their current bank credit cards instead of switching to new ones.

### 5. **Wave** (Best for Freelancers & Very Small SMBs)
* **Pricing:** Free accounting software; optional mobile receipt scanning add-on for **$8/month** (or $11/month if paid monthly).
* **Key Features:** Basic expense tracking, invoicing, and simple financial reporting.
* **Best For:** Sole proprietors and micro-businesses on a strict budget.

---

### **Quick Recommendation:**
* Go with **Ramp** if you want zero software fees and built-in corporate cards.
* Go with **Zoho Expense** if you need a cheap, traditional per-user software tool.
* Go with **Fyle** if you want to keep your existing bank cards.


What expense software do small companies actually use?

Small companies primarily use a few dominant tools depending on whether they need corporate credit cards or simple reimbursement tracking:

* **Ramp** and **BILL Spend & Expense (formerly Divvy):** Currently the most popular choices for small-to-midsize businesses. They provide free expense management software bundled with business credit cards, offering automated receipt matching and strict employee spend controls.
* **Expensify:** The traditional standard for receipt scanning, mileage tracking, and employee reimbursements. It integrates well with most accounting software but charges a monthly fee per active user.
* **Zoho Expense:** Highly popular with budget-conscious small businesses due to its generous free tier and affordable paid plans, especially for those already using Zoho apps.
* **QuickBooks Online (Built-in):** Very small businesses (under 5–10 employees) often skip standalone expense software entirely and use the built-in receipt capture and expense features inside QuickBooks.
* **Brex:** Similar to Ramp, heavily used by venture-backed tech startups and fast-growing small businesses for high credit limits, corporate cards, and automated expense tracking.


best corporate credit card and expense management platform for startups

The two best corporate credit card and expense management platforms for startups are **Ramp** and **Brex**.

Here is how to choose between them, along with a top alternative for early-stage companies:

### 1. Ramp (Best Overall)
* **Best for:** Bootstrapped or venture-backed startups focused on cost control and automated accounting.
* **Key Features:**
  * 1.5% flat cash back on all purchases.
  * Completely free to use (no subscription fees).
  * Automated receipt matching and real-time expense policies.
  * AI tools that track SaaS subscriptions and flag duplicate software spend.
  * **Requirement:** No personal guarantee; underwriting is based on your business bank balance (typically requires $75k+ in cash).

### 2. Brex (Best for Scaled & Venture-Backed Startups)
* **Best for:** Fast-growing, venture-backed startups needing high credit limits and global capability.
* **Key Features:**
  * Higher credit limits tied to investor funding/venture debt.
  * Highly customizable rewards program (points for tech spend, travel, ad spend).
  * Strong support for global teams, multiple currencies, and travel booking.
  * Integrated bill pay and travel management.
  * **Requirement:** No personal guarantee; tailored for startups with significant capital raised ($50k–$100k+ cash minimum).

### 3. Mercury (Best All-in-One for Early-Stage / Pre-Seed)
* **Best for:** Very early-stage startups that want banking, cards, and basic expense management in a single dashboard.
* **Key Features:**
  * Free business checking/savings account integrated with corporate virtual/physical cards.
  * 1.5% cash back on card spend.
  * Built-in basic expense controls and receipt capture.
  * Low/no minimum balance requirements to get started.

---

### Summary Recommendation
* Choose **Ramp** if you want the best automated expense tracking, savings insights, and a simple 1.5% cash back.
* Choose **Brex** if you have heavy venture funding, need flexible points/rewards, or operate globally.
* Choose **Mercury** if you are at the pre-seed stage and want your banking and cards in one place.


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

For a mid-sized company looking to track spending and issue physical/virtual smart cards with custom controls, the top software solutions are:

1. **Ramp** *(Best Overall)*
   * **Why:** Offers free software, automated expense reporting, and robust spend controls (e.g., specific merchant, category, or time limits per card). It also automatically finds savings on software subscriptions.
   * **Best for:** Companies wanting maximum automation and deep accounting integrations (NetSuite, QuickBooks, Sage Intacct).

2. **Brex** *(Best for Global/Scaling Companies)*
   * **Why:** Provides smart physical and virtual cards with real-time spend visibility, automated receipt matching, and strong multi-currency/global support.
   * **Best for:** Mid-sized companies with international employees or rapid growth plans.

3. **BILL Spend & Expense** *(formerly Divvy - Best Budget Management)*
   * **Why:** Free to use (revenue comes from card interchange fees). It features strong budget-enforcement tools, requiring funds to be allocated to a card *before* spending can occur.
   * **Best for:** Companies focused on strict departmental budget enforcement.

4. **Spendesk** *(Best for European Operations)*
   * **Why:** Combines physical/virtual cards, invoice management, and expense approvals tailored specifically to European tax and compliance standards (GDPR, VAT tracking).
   * **Best for:** Companies based in or heavily operating within Europe.

**Recommendation:** Go with **Ramp** for the best software experience and automation, or **Brex** if you have international operations.


best expense reporting software for remote teams

Here are the best expense reporting software options for remote teams, categorized by specific needs:

### 1. **Ramp** (Best Overall)
* **Why it’s great for remote teams:** 100% free platform with automated receipt matching via SMS/email, instant virtual cards with customizable spending limits for remote workers, and real-time expense tracking.
* **Best for:** Small to mid-sized US-based companies looking for automated controls and corporate cards.

### 2. **Brex** (Best for Global Remote Teams)
* **Why it’s great for remote teams:** Superior multi-currency support, global reimbursements in local currencies, and physical/virtual cards issued globally. Excellent integrations with Slack and WhatsApp for receipt submission.
* **Best for:** Venture-backed startups and international remote teams.

### 3. **Expensify** (Best for Micro-Teams & Freelancers)
* **Why it’s great for remote teams:** Industry-leading mobile app with "SmartScan" for instant receipt capture, automatic GPS distance tracking for mileage, and easy one-click approvals.
* **Best for:** Small teams needing simple receipt scanning and quick reimbursements without changing their corporate card setup.

### 4. **Rippling Expense** (Best for HR & Payroll Integration)
* **Why it’s great for remote teams:** Connects directly to employee HR data. Expenses can be auto-approved based on location, department, or seniority, and reimbursed directly through global payroll.
* **Best for:** Companies already using (or wanting) a unified HR, IT, and payroll platform.

### 5. **Navan** *(formerly TripActions)* (Best for Travel & Expenses)
* **Why it’s great for remote teams:** Combines travel booking (flights, hotels) with expense management, making it easy to organize remote team retreats and business travel in one place.
* **Best for:** Remote teams that travel frequently or meet up for regular offsites.

---

### **Quick Recommendation:**
* Go with **Ramp** if you operate primarily in the US and want a powerful, free solution.
* Go with **Brex** if you have employees distributed globally.
* Go with **Expensify** if you just need a simple tool for employees to scan receipts and get paid back.


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

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

### **Best Overall Options**

*   **Ramp (Best Free / Card-Integrated Option):** Ideal if you want automated receipt matching via SMS/email and integrated corporate cards. The software is completely free, sets strict spending limits, and automates approvals instantly.
*   **Expensify (Best Standalone Software):** Best if you want to keep your existing corporate credit cards. It features top-tier OCR receipt scanning (SmartScan), highly customizable approval workflows, and seamless accounting integrations (QuickBooks, Xero, NetSuite).

### **Best for Specific Needs**

*   **SAP Concur (Best for Enterprise):** The industry standard for large companies with complex, multi-layered approval chains, global travel needs, and strict compliance requirements.
*   **Brex (Best for Venture-Backed / Tech Startups):** Similar to Ramp, offering corporate cards and automated spend management designed for fast-scaling companies.
*   **Zoho Expense (Best Budget Option):** A cost-effective, full-featured choice for small-to-midsize businesses, especially those already using other Zoho products.

### **How to Choose Quickly:**
1.  **If you want a free platform + corporate cards:** Get **Ramp**.
2.  **If you need software only (keeping existing cards):** Get **Expensify**.
3.  **If you are a large enterprise:** Get **SAP Concur**.


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

**Ramp** is currently the best expense tracking and spend management platform for fast-growing agencies.

### Why Ramp is the Best Fit:
* **Deep Accounting Integrations:** Syncs seamlessly in real-time with QuickBooks Online, Xero, Sage Intacct, and NetSuite.
* **Agency-Specific Tracking:** Allows multi-level custom fields so you can easily tag expenses by client, project, or billable status before syncing to your accounting software.
* **Built-in Scalability:** Includes free corporate/virtual cards, automated receipt matching via SMS/email, custom approval workflows, and spend controls.
* **Cost:** Free to use (monetizes via interchange fees).

---

### Top Alternatives Depending on Your Setup:
* **Brex:** Best alternative to Ramp if you need global currency capabilities or venture-focused banking features alongside expense management.
* **Expensify:** Best if your agency relies heavily on employees submitting out-of-pocket personal card expenses rather than issuing corporate cards.


best spend management software with automated receipt matching

Here are the top spend management platforms known specifically for industry-leading automated receipt matching:

### 1. **Ramp** (Best Overall / Small to Mid-Market)
* **Receipt Matching:** Uses AI to instantly match receipts sent via text, email, web, or Slack to corporate card transactions. If a receipt is missing, it automatically texts the cardholder right after the purchase to reply with a photo.
* **Pricing:** Free (earns money via interchange fees).
* **Best For:** US-based businesses looking for an all-in-one platform with automated accounting syncs (QuickBooks, NetSuite, Xero).

### 2. **Brex** (Best for Scaled Startups & Global Companies)
* **Receipt Matching:** High auto-matching accuracy using AI. Employees can forward receipts via WhatsApp, text, or email, or take a picture; Brex automatically links them to the correct line item and extracts line-item metadata.
* **Pricing:** Free tier available; paid plans for advanced global controls.
* **Best For:** Multi-currency operations, global teams, and fast-growing venture-backed startups.

### 3. **Airbase** (Best for Mid-Market to Enterprise)
* **Receipt Matching:** Automatically matches receipts to corporate card transactions, purchase orders (POs), and vendor invoices. It uses OCR technology to read line items, tax, and totals without manual input.
* **Pricing:** Tiered custom pricing.
* **Best For:** Mid-market companies needing robust procurement workflow controls alongside expense management.

### 4. **Navan** (formerly TripActions) (Best for Travel & Expense)
* **Receipt Matching:** "Link" feature automatically matches receipts to transactions in real-time. When using Navan corporate cards, many purchases require no receipt at all due to pre-approved policy controls and direct merchant data integration.
* **Pricing:** Custom pricing based on active users and travel booking volume.
* **Best For:** Companies with significant employee travel and out-of-pocket expenses.

### 5. **Expensify** (Best for Reimbursements & Out-of-Pocket Spend)
* **Receipt Matching:** Uses proprietary "SmartScan" OCR technology. Users snapshot a receipt, and Expensify automatically reads the details and matches it against bank/credit card feeds or creates a reimbursement claim.
* **Pricing:** Paid per active user per month.
* **Best For:** Businesses focused primarily on employee out-of-pocket expense reimbursements rather than issuance of corporate cards.

---

### **Recommendation Summary:**
* Go with **Ramp** for the highest customer satisfaction, free software, and seamless text-to-match capability.
* Go with **Brex** if you operate globally or need multi-currency management.
* Go with **Airbase** if you need complex AP/Procurement workflows linked to your receipts.


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

The best expense management platform depends on your company size and specific needs, but the top options for corporate cards and travel are:

1. **Navan (formerly TripActions)** – **Best Overall for Travel + Cards**
   * *Why:* Built specifically around corporate travel and spending. It combines an intuitive travel booking engine, smart physical/virtual corporate cards, and automated expense reporting into a single native platform.

2. **Ramp** – **Best for Cost Savings & Card Management (SMBs & Mid-Market)**
   * *Why:* Excellent for issuing physical/virtual cards with strict spend controls and automated receipt matching. Offers integrated travel booking (Ramp Travel) and automatically identifies ways for your business to save money.

3. **Brex** – **Best for High-Growth & Global Teams**
   * *Why:* Strong global corporate card capabilities (supports multi-currency) integrated with a robust travel booking platform (powered by Spotnana) and real-time budget tracking.

4. **SAP Concur** – **Best for Large Enterprises**
   * *Why:* The global standard for enterprise-level organizations needing deep compliance, complex approval workflows, and extensive ERP integrations, though its user interface is less modern.

**Recommendation:** Go with **Navan** if travel booking is your primary focus, or **Ramp** if corporate card control and automation are your top priorities.


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 recommendations for a 40-person non-profit, ordered by cost-effectiveness and mobile ease-of-use:

### 1. **Ramp** (Best Free Option)
* **Cost:** 100% Free (no per-user fees).
* **Why it fits:** Employees can snap photos of receipts via the mobile app or reply to an automated SMS text with a picture of the receipt to instantly match it to a transaction. Approvers can approve or reject expenses directly from their phones or Slack/Teams.
* **Bonus:** Offers free virtual and physical corporate cards with built-in spend controls.

### 2. **Expensify** (Best for Pure Receipt Scanning)
* **Cost:** ~$5–$9 per active user/month (offers non-profit discounts).
* **Why it fits:** The gold standard for mobile scanning ("SmartScan"). Employees just take a picture of a receipt, and it automatically extracts the merchant, date, and amount. Multi-level approval workflows are easy to set up and complete on mobile.
* **Integrations:** Syncs seamlessly with QuickBooks, Xero, and NetSuite.

### 3. **Zoho Expense** (Best Budget Paid App)
* **Cost:** ~$3–$5 per user/month (offers a 15% non-profit discount).
* **Why it fits:** Highly affordable with an intuitive mobile app. Includes auto-receipt scanning, mileage tracking, and mobile approval flows. It is simpler to manage than heavy enterprise software while still offering robust policy-enforcement features.

---

### **Recommendation:**
* Choose **Ramp** if you want a **free platform** that simplifies mobile capture and includes smart corporate cards.
* Choose **Expensify** if employees rely heavily on reimbursing **personal credit cards/cash** and want the fastest mobile receipt reader.


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 primary need:

### 1. **Everlance** (Best Overall for Sales Reps & Teams)
* **Why it’s great:** Combines accurate, hands-free GPS mileage tracking with automatic receipt scanning and expense categorization.
* **Key Features:** IRS-compliant mileage logs, team management dashboards, FAVR/CPM reimbursement support, and integrations with major accounting tools.
* **Best for:** Individual reps and mid-to-large sales teams needing a balanced mileage and expense solution.

### 2. **MileIQ** (Best for Pure Automatic Mileage Tracking)
* **Why it’s great:** Runs quietly in the background and automatically logs every drive. You simply swipe right for business or left for personal.
* **Key Features:** Highly accurate drive detection, easy classification, and simple reporting for expense reports.
* **Best for:** Reps who want set-it-and-forget-it mileage tracking and handle receipts separately.

### 3. **Expensify** (Best for Corporate Expense Management)
* **Why it’s great:** The gold standard for company-wide expense reports, receipt scanning (SmartScan), and corporate card reconciliation.
* **Key Features:** Built-in GPS mileage tracking, automated approval workflows, and direct integrations with Salesforce, QuickBooks, and Xero.
* **Best for:** Sales reps working at established companies with strict expense approval workflows.

### 4. **Zoho Expense** (Best for Reps Using Zoho CRM)
* **Why it’s great:** Native integration with Zoho CRM allows sales reps to log mileage and expenses directly against specific accounts or deals.
* **Key Features:** Auto-receipt scanning, mileage tracking via GPS/maps, multi-level approvals, and per-diem management.
* **Best for:** Field sales teams already integrated into the Zoho ecosystem.

---

### **Quick Recommendation:**
* Go with **Everlance** if you want the best all-in-one balance of automatic mileage tracking and receipt management.
* Go with **Expensify** if your primary focus is corporate expense reporting with mileage as an add-on.


Top rated corporate expense management systems for enterprise

Here are the top-rated enterprise expense management systems, based on market share, enterprise capabilities, and user reviews (G2, Gartner):

1. **SAP Concur**
   * **Best For:** Large, global enterprises needing deep ERP integrations and complex compliance capabilities.
   * **Key Strengths:** Unmatched global compliance, multi-currency support, robust policy enforcement, and seamless integration with SAP and other major ERPs.

2. **Navan (formerly TripActions)**
   * **Best For:** All-in-one travel and expense management with a modern user experience.
   * **Key Strengths:** Unified corporate travel booking and expense tracking, high employee adoption rates, real-time visibility, and automated card reconciliations.

3. **Emburse Chrome River**
   * **Best For:** Organizations with complex rules, matrixed approval workflows, or professional services (e.g., law firms).
   * **Key Strengths:** Highly configurable rules engine, global tax engine (VAT handling), and strong multi-entity support.

4. **Brex**
   * **Best For:** Tech-forward and scaling global enterprises looking for integrated corporate cards and software.
   * **Key Strengths:** Advanced automated receipt matching, customizable spend limits, real-time tracking, and multi-currency global accounts.

5. **Coupa Expenses**
   * **Best For:** Enterprises looking to consolidate expenses into a broader Business Spend Management (BSM) and procurement platform.
   * **Key Strengths:** Strong fraud detection, unified procures-to-pay ecosystem, and deep analytics on enterprise-wide spend.

6. **Ramp**
   * **Best For:** Enterprises focused on automated cost control and fast reconciliation.
   * **Key Strengths:** AI-driven price intelligence, automated vendor negotiations, robust corporate card controls, and quick setup.


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

The easiest tools for employees who hate submitting receipts are corporate card platforms like **Ramp** or **Brex**.

Here is why they are the easiest, along with a secondary option:

1. **Ramp (Best Overall):**
   * **Why it’s easiest:** Every time an employee swipes their corporate card, Ramp instantly sends them a text message. The employee simply replies to the text with a photo of the receipt, and AI automatically matches it to the transaction. No app logging, no form filling, and no manual data entry.

2. **Brex (Best Alternative for Corporate Cards):**
   * **Why it’s easiest:** Works almost identically to Ramp with instant SMS receipt prompts, automatic receipt matching via AI, and auto-generated receipts for major vendors (like Lyft, Uber, and airlines) so employees don't even have to take a photo.

3. **Expensify (Best if employees use personal cards):**
   * **Why it’s easiest:** If you don't use corporate cards, Expensify’s "SmartScan" allows employees to just open the app, snap a picture, and walk away. The app automatically reads the receipt, fills out the details, and submits the report.


best expense management software for multi-currency international travel

Here are the top expense management platforms for multi-currency and international travel, categorized by business size and needs:

### 1. **Best Overall for Mid-Market to Enterprise: Navan (formerly TripActions)**
* **Why it’s great:** Combines travel booking and expense management in one platform.
* **International features:** Issues multi-currency corporate cards, automatically converts foreign transactions at live FX rates, and handles complex international per diem policies and VAT reclamation.

### 2. **Best Global Corporate Card & Expense Combo: Brex**
* **Why it’s great:** Ideal for fast-growing companies with distributed global teams.
* **International features:** Offers local currency billing and card issuance in 50+ countries, zero foreign transaction fees, real-time currency conversion, and global reimbursement capabilities in local currencies.

### 3. **Best for Large Enterprises with Complex Localization: SAP Concur**
* **Why it’s great:** The traditional industry standard for large multinational corporations.
* **International features:** Supports virtually all global currencies, complies with strict country-specific tax laws/VAT rules, and integrates with major international ERP systems.

### 4. **Best for Small to Medium Businesses (SMBs): Expensify**
* **Why it’s great:** User-friendly and quick to set up for teams of any size.
* **International features:** SmartScan automatically recognizes foreign languages and converts 160+ currencies using the exchange rate from the date of the purchase.

### 5. **Best Budget-Friendly Option: Zoho Expense**
* **Why it’s great:** Feature-rich expense management at a low price point.
* **International features:** Supports multi-currency tracking, automatic FX rate updates, foreign mileage conversion, and country-specific tax compliance.

---

### Key Recommendation:
* Choose **Navan** if you want an all-in-one solution for booking international travel and managing expenses.
* Choose **Brex** if you need global corporate cards in local currencies to avoid FX fees.
* Choose **Expensify** for simple, fast receipt scanning across multiple currencies.


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

For a 15-person team, you should switch to an **all-in-one spend management platform** that issues corporate cards (physical and virtual) with automated expense tracking.

Here are the top tools to switch to:

1. **Ramp** *(Best overall)*
   * **Cost:** Free
   * **Why:** Issue physical or virtual cards with preset spend limits. Employees simply text or email a photo of the receipt, and Ramp automatically matches it to the transaction. Integrates seamlessly with QuickBooks, Xero, and NetSuite.

2. **BILL Spend & Expense** *(formerly Divvy - Best for budgeting)*
   * **Cost:** Free
   * **Why:** Excellent budget-enforcement features. You can allocate precise monthly budgets to specific employees or projects before they spend.

3. **Brex** *(Best for venture-backed startups)*
   * **Cost:** Free tier available
   * **Why:** High credit limits without personal guarantees, strong reward points, and built-in travel booking and expense automation.

*Note: If your business is based in Europe or the UK, **Pleo** or **Spendesk** are the best regional alternatives.*


best software for setting spending limits on corporate card issuance

Here are the best software platforms for setting and managing spending limits on corporate cards, categorized by business size and primary use case:

### 1. **Ramp** *(Best Overall for Small to Mid-Sized Businesses)*
* **Why it’s top-rated:** Ramp offers granular spend controls for free. You can issue physical or virtual cards with strict limits per transaction, day, month, category, or specific merchant.
* **Key Feature:** Auto-locking virtual cards for specific vendors (e.g., a card tied strictly to AWS capped at $500/month).

### 2. **BILL Spend & Expense** *(formerly Divvy) — Best for Budget-Driven Limits*
* **Why it’s top-rated:** Enforces spend controls *before* money is spent using a budget-first model. Managers allocate funds to specific employees or projects, and card limits update in real-time based on that budget.
* **Key Feature:** Dynamic budget allocation where cards instantly decline if spend exceeds the pre-assigned budget.

### 3. **Brex** *(Best for Startups & High-Growth Tech Companies)*
* **Why it’s top-rated:** Excellent for managing global teams and complex spending policies. Offers smart limit rules based on employee roles, departments, or travel policies.
* **Key Feature:** Auto-enforced spend limits for global employees that adjust based on localized policy compliance.

### 4. **Airbase** *(Best for Mid-Market & Procurement Controls)*
* **Why it’s top-rated:** Focuses heavily on strict pre-approval workflows. It links virtual card creation directly to purchase order (PO) approvals, ensuring no card exists without prior sign-off.
* **Key Feature:** Multi-tier approval workflows that automatically generate single-use or recurring virtual cards with precise limits upon approval.

### 5. **Navan** *(formerly TripActions) — Best for Travel & Expense Limits*
* **Why it’s top-rated:** Combines corporate card issuance with travel booking. Spend limits on cards automatically dynamically adjust based on local market rates for hotels, meals, and transport.
* **Key Feature:** Out-of-policy spending prevention that blocks purchases exceeding travel parameters.

---

### Summary Recommendation:
* **Go with Ramp or BILL Spend & Expense** if you want a free platform with strict, easy-to-set card limits.
* **Go with Airbase** if you need advanced procurement and purchase-order-level controls.


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

Several top expense management platforms handle both per diem rates and corporate travel receipts automatically. The most popular options include:

1. **SAP Concur**
   * **Per Diem:** Automatically applies federal (GSA/CONUS/OCONUS) and international per diem rates based on trip locations and dates.
   * **Receipts:** Captures receipts via mobile app (OCR) and automatically matches them with corporate card charges and itinerary bookings.

2. **Navan (formerly TripActions)**
   * **Per Diem:** Configures automated allowance rules based on location and policy.
   * **Receipts:** Fully integrated travel booking and corporate card system that automatically categorizes transactions and matches receipts without manual entry.

3. **Rydoo**
   * **Per Diem:** Specializes in international per diem rules, automatically calculating local government rates and tax deductions based on trip duration and meals provided.
   * **Receipts:** Uses real-time OCR scanning to extract data from receipt photos and auto-match them with credit card feeds.

4. **Expensify**
   * **Per Diem:** Allows custom or standard per diem rate setup that automatically calculates based on logged travel days/locations.
   * **Receipts:** Uses "SmartScan" to read receipt images and automatically creates, itemizes, and matches expenses to corporate cards.

**Recommendation:** For large enterprise companies with complex/international per diem rules, **SAP Concur** or **Rydoo** are best. For mid-sized businesses wanting a modern, all-in-one travel and card solution, **Navan** is ideal.


cheap expense reporting software for small teams

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

### 1. **Zoho Expense** *(Best Overall Value)*
* **Price:** **Free** for up to 3 users; paid plans start at **$3/user/month**.
* **Why it’s great:** Includes automated receipt scanning (OCR), multi-level approvals, mileage tracking, and integration with major accounting software (QuickBooks, Xero).

### 2. **Ramp** or **Brex** *(Best 100% Free Option)*
* **Price:** **$0** (No software fees).
* **Why it’s great:** They are corporate card providers that offer built-in, automated expense management software for free. Employees snap pictures of receipts, and AI matches them to transactions automatically.

### 3. **Wave** *(Best for Micro-Teams & Freelancers)*
* **Price:** **Free** (Basic features); paid features pay-as-you-go.
* **Why it’s great:** A completely free accounting platform that allows manual expense tracking and receipt uploads, ideal for very small teams that don't need advanced approval workflows.

### 4. **Expensify** *(Best for Easy Receipt Scanning)*
* **Price:** **Free** basic plan; paid plans start at **$5/user/month** (can be discounted to $2/user/month if using the Expensify Card).
* **Why it’s great:** Extremely user-friendly mobile app with SmartScan technology and simple reimbursement workflows.

### 5. **Everlance** *(Best for Teams with High Travel/Mileage)*
* **Price:** Starts at **$5/user/month**.
* **Why it’s great:** Excellent automatic GPS mileage tracking alongside standard business expense logging and receipt storage.

### **Quick Recommendation:**
* **Under 3 users?** Go with **Zoho Expense** (Free).
* **Want zero software costs and need company cards?** Go with **Ramp**.
* **Just need basic accounting & expense tracking?** Go with **Wave**.


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

Accounting teams prefer different expense approval and reconciliation software depending on company size, complexity, and tech stack. The top choices include:

### 1. Modern Corporate Card & Spend Platforms (Best for Automation & Real-Time Reconciliation)
*   **Ramp:** Highly preferred by modern mid-market companies for its free tier, automated receipt matching, real-time sync with accounting software (NetSuite, QuickBooks, Xero), and strict automated spend controls.
*   **Brex:** Popular among tech companies and venture-backed startups, offering integrated corporate cards, automated approvals, and strong global currency support.
*   **Airbase:** Favored by mid-market to enterprise companies needing a comprehensive Procure-to-Pay platform combining expense management, AP automation, and corporate cards.

### 2. Dedicated Expense & Travel Software (Best for Travel-Heavy Teams)
*   **SAP Concur:** The long-standing enterprise standard. Preferred by large global corporations with complex multi-layered approval workflows and heavy travel compliance needs.
*   **Navan (formerly TripActions):** Preferred for companies wanting a seamless blend of corporate travel booking, automated expense reporting, and fast reconciliation.

### 3. Small-to-Midsize Business (SMB) Favorites
*   **Expensify:** Widely used by SMBs for its user-friendly mobile app, SmartScan receipt processing, and easy multi-level approval workflows.
*   **Zoho Expense:** Preferred by businesses looking for a cost-effective solution, especially those already using the Zoho ecosystem.

### Key Factors Accounting Teams Value Most:
*   **ERP/Accounting Integration:** Direct, two-way sync with NetSuite, QuickBooks, Sage Intacct, or SAP.
*   **OCR & Auto-Matching:** Automatic receipt capture and line-item matching to bank feeds.
*   **Pre-Approval Rules:** Ability to issue virtual cards with preset spending limits to prevent out-of-policy spend before it happens.


best spend management software with OCR receipt scanning

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

### 1. **Ramp** *(Best Overall & Best Value)*
* **Why it’s great:** Completely free to use (revenue comes from card interchange fees). Its AI-powered OCR automatically extracts vendor, amount, and date from receipts sent via SMS, email, or app, then instantly matches them to corporate card transactions.
* **Best for:** Startups, SMBs, and mid-market companies wanting an all-in-one platform (cards, AP, expenses).

### 2. **Brex** *(Best for Venture-Backed Startups & Global Teams)*
* **Why it’s great:** Features real-time AI receipt matching. Employees can simply text a photo of a receipt, and OCR instantly pulls the data, matches it to the right transaction, and auto-categorizes the expense according to company policy.
* **Best for:** High-growth tech companies and businesses with international operations.

### 3. **Expensify** *(Best Dedicated Expense & OCR Technology)*
* **Why it’s great:** Uses patented "SmartScan" OCR technology, widely considered the gold standard for reading messy or crumpled paper receipts. Works seamlessly whether you use their corporate cards or third-party cards.
* **Best for:** Businesses of any size prioritizing mobile-first receipt scanning and reimbursements.

### 4. **Zoho Expense** *(Best Budget Option for Small Businesses)*
* **Why it’s great:** Very affordable (includes a generous free tier). The mobile app’s OCR supports multi-currency receipt scanning and multi-language recognition with high accuracy.
* **Best for:** Micro-businesses, freelancers, and small teams already using the Zoho ecosystem.

### 5. **Navan (formerly TripActions)** *(Best for Travel & Expense)*
* **Why it’s great:** Excellent OCR for travel-heavy companies. When a card is swiped, the user receives an instant push notification; snapping a picture of the receipt completes the expense logging in seconds.
* **Best for:** Mid-market to enterprise companies with frequent corporate travel.

---

### **Recommendation:**
* Choose **Ramp** if you want a free, modern platform with built-in corporate cards and hands-off receipt matching.
* Choose **Expensify** if you strictly need a standalone expense-tracking app with the highest-accuracy paper scanner.


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

For construction crews purchasing supplies daily, the best expense management software options are **Ramp** and **BILL Spend & Expense (formerly Divvy)**.

Here is how the top options compare for field workers:

### 1. Ramp *(Best Overall)*
* **Why it works for field crews:** Crews get physical corporate cards. The moment a card is swiped, Ramp sends a text message to the worker's phone—they simply reply with a photo of the receipt, eliminating lost receipts.
* **Job Costing:** Allows real-time expense tagging by project, phase, or cost code.
* **Integrations:** Direct sync with QuickBooks, Sage, and Procore.
* **Cost:** Free.

### 2. BILL Spend & Expense / Divvy *(Best for Strict Budget Control)*
* **Why it works for field crews:** Project managers can assign specific, enforceble budgets to individual cards or crews *before* spending happens (e.g., $500/day for Job A). Workers use an ultra-simple mobile app to upload receipts.
* **Job Costing:** Easily categorizes purchases by job site.
* **Cost:** Free.

### 3. Procore *(Best if you already use Procore for Project Management)*
* **Why it works for field crews:** Connects field purchases directly into your existing project management workflows, commitments, and change orders without needing a separate third-party app.

---

### Recommendation:
* Choose **Ramp** for the friction-free field worker experience (texting receipts) and deep Sage/QuickBooks integration.
* Choose **BILL Spend & Expense** if you need strict, pre-funded card budgets per job site or crew.


modern spend management platform for tech startups

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

### 1. **Ramp** *(Best Overall)*
* **Why it fits:** Extremely popular among startups due to zero platform fees, 1.5% cash back, automated receipt matching, and AI-driven insights to cut duplicate software subscriptions.
* **Integrations:** QuickBooks, Xero, NetSuite, Sage.

### 2. **Brex** *(Best for VC-backed Startups)*
* **Why it fits:** Designed specifically for high-growth tech startups. Offers high credit limits based on your cash balance without a personal guarantee, integrated business banking, and global expense management.
* **Integrations:** QuickBooks, Xero, NetSuite, SAP Concur.

### 3. **Airbase** *(Best for Scaling / Series A+ Startups)*
* **Why it fits:** Handles complex procurement workflows, automated accounts payable (AP), and expense reimbursement in a single platform. Ideal as software spend and vendor count grow.
* **Integrations:** NetSuite, Workday, Sage Intacct, QuickBooks.

### 4. **Mercury** *(Best for Seed / Early-Stage Startups)*
* **Why it fits:** A modern financial technology company (banking stack) with built-in spend management, offering corporate cards, custom spend limits, and easy developer APIs.

### 5. **BILL** *(formerly Divvy - Best for Budget Controls)*
* **Why it fits:** Focuses heavily on proactive budget management, allowing managers to assign strict, real-time budgets to teams before cards are charged.

---

### Key Features to Look For:
* **No personal guarantee** (uses startup funding/cash balance for credit limits).
* **Automated SaaS tracking** (identifies unused software licenses).
* **Virtual cards** with merchant-specific spending caps.
* **Direct sync** with modern accounting software to close books faster.


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

**SAP Concur** is widely considered the best overall software for enforcing complex corporate travel policy compliance, especially for large enterprises. It offers deep policy customization, automated pre-trip approval workflows, hard/soft booking limits, and robust audit tools.

For a modern, user-friendly alternative, **Navan** (formerly TripActions) is the top choice. It enforces compliance in real-time by preventing out-of-policy travel bookings at the point of purchase and integrating directly with corporate cards.

**Best options by company type:**
* **Large Enterprise / Strict Audit Needs:** **SAP Concur** (industry standard for complex, granular rules)
* **Mid-Market to Enterprise (All-in-One Travel & Expense):** **Navan** (real-time, automated booking enforcement)
* **SMBs / Card-Based Control:** **Ramp** or **Brex** (enforces policies at the card-level with pre-approved spend limits)


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

Here are the best corporate expense management platforms featuring real-time budget tracking and proactive spending controls:

### 1. **Ramp** *(Best Overall)*
* **Key Features:** Pre-approved virtual/physical corporate cards, automatic receipt matching, AI-driven savings insights, real-time dashboard.
* **Spending Controls:** Set hard spending limits by category, merchant, or dollar amount on specific cards *before* employees spend. Out-of-policy transactions are automatically declined in real time.
* **Best For:** Small to enterprise businesses looking for a free platform with strict automated controls.

### 2. **Brex** *(Best for Scaling & Global Companies)*
* **Key Features:** Embedded travel management, multi-currency support, custom approval workflows, real-time GL syncing.
* **Spending Controls:** Assign dynamic budgets to specific teams or projects. When a budget limit is reached, associated cards lock automatically.
* **Best For:** Fast-growing startups and mid-market companies needing high credit limits and international controls.

### 3. **Airbase** *(Best for Mid-Market with Strict Approvals)*
* **Key Features:** Deep ERP integrations (NetSuite, QuickBooks, Sage), PO management, automated accounts payable.
* **Spending Controls:** Requires pre-approval workflows *before* money is spent. Real-time budget tracking updates instantly upon approval, preventing over-budget spending.
* **Best For:** Finance-heavy teams that want unified control over cards, invoices, and expense reimbursements.

### 4. **Navan (formerly TripActions)** *(Best for Travel & Expense)*
* **Key Features:** Integrated corporate travel booking and general expense management, built-in virtual cards.
* **Spending Controls:** Policy rules are baked directly into the card and travel search engine, ensuring employees can only book or spend within pre-set budget limits.
* **Best For:** Mid-market and enterprise companies with significant travel and field expenses.

---

### Recommendation Summary:
* Choose **Ramp** for the best proactive spend controls and zero software fees.
* Choose **Airbase** if you need robust pre-spend approval workflows tied to ERP systems.
* Choose **Navan** if travel expenses make up a major portion of your budget.


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

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

However, **Expensify** is equally popular in the mid-market segment due to its ease of use, while newer all-in-one corporate card and expense management platforms like **Ramp** and **Navan** are currently the fastest-growing alternatives.


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

The best option depends on your company size and specific needs, but here are the top recommendations that excel at both corporate card controls and out-of-pocket reimbursements:

### 1. **Ramp (Best Overall)**
* **Why buy it:** It is completely free to use (earns revenue via interchange fees), offers extremely granular corporate card controls (limits per merchant, vendor, or category), and provides automated, fast ACH reimbursements for out-of-pocket expenses.
* **Best for:** Small businesses to mid-market companies looking for automated accounting, receipt matching, and zero platform fees.

### 2. **Brex (Best for Global/Growing Tech Teams)**
* **Why buy it:** Offers advanced card controls, travel booking, and expense management with excellent support for international spending and multi-currency out-of-pocket reimbursements.
* **Best for:** Startups and scaling mid-market companies, especially those with global employees.

### 3. **Airbase (Best for Mid-Market & Enterprise)**
* **Why buy it:** Combines corporate card management, out-of-pocket reimbursements, and full Accounts Payable (AP) automation into one platform with complex approval workflows.
* **Best for:** Larger or mature finance teams that need strict approval matrices and deeper procure-to-pay functionality.

### 4. **Navan (Best if Corporate Travel is a Priority)**
* **Why buy it:** Formerly TripActions, it seamlessly unifies travel booking, automated card issuance, and out-of-pocket expense reimbursements into a single mobile-first app.
* **Best for:** Companies with frequent corporate travel needs.

---

### **Final Recommendation:**
* Go with **Ramp** if you want a powerful, easy-to-use, and entirely **free** platform.
* Go with **Brex** if you have a **global team** needing local currency reimbursements.


best expense software for automated accounting system integration

The best expense software depends on your company size, but the top options with seamless, automated accounting integrations are:

1. **Ramp (Best Overall & Best Value)**
   * **Integrations:** QuickBooks, Xero, NetSuite, Sage Intacct.
   * **Why it’s best:** 100% free software that automatically collects receipts, uses AI to map expenses to the correct general ledger (GL) codes, and syncs in real-time.

2. **Expensify (Best for Small to Mid-Sized Businesses)**
   * **Integrations:** QuickBooks, Xero, NetSuite, Sage, Workday.
   * **Why it’s best:** High-accuracy SmartScan technology automatically extracts receipt data, creates expense reports, and pushes two-way synced data to your accounting software.

3. **Airbase (Best for Mid-Market Companies)**
   * **Integrations:** NetSuite, Sage Intacct, QuickBooks, Xero.
   * **Why it’s best:** Advanced, deep ERP integrations with automated multi-tier approval workflows and continuous GL sync.

4. **SAP Concur (Best for Large Enterprises)**
   * **Integrations:** SAP, Oracle, Microsoft Dynamics, NetSuite, QuickBooks.
   * **Why it’s best:** The industry standard for enterprise-level global compliance, deep ERP integration, and complex, automated travel/expense workflows.

**Summary Recommendation:**
* Choose **Ramp** if you want a free, modern platform with top-tier AI automation.
* Choose **Expensify** if you need simple, widely compatible receipt tracking.
* Choose **SAP Concur** or **Airbase** if you operate a complex enterprise using major ERP systems.


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 employees use **corporate cards** or **personal cards** (for reimbursement).

Here are the top options:

### 1. Best Overall (Corporate Card + Expense Automation): **Ramp** or **Brex**
* **Why:** They issue corporate cards (physical and virtual) to employees and automatically capture receipts via SMS, email, or app. When an employee swipes, they get a text asking for a photo of the receipt; AI matches it instantly, eliminating expense reports entirely.
* **Cost:** Free core software (they make money via credit card interchange fees).
* **Best for:** Companies wanting to move away from out-of-pocket reimbursements and gain real-time spend control.

### 2. Best for Reimbursements (Personal Cards): **Expensify**
* **Why:** Industry standard for employees submitting personal expenses for payback. "SmartScan" allows employees to take a picture of a receipt, auto-populates the details, and submits it automatically.
* **Best for:** Companies where employees mostly pay with personal cards and need fast ACH direct-deposit reimbursement.

### 3. Best if Driven by Travel: **Navan (formerly TripActions)**
* **Why:** Combines corporate travel booking (flights, hotels) with automatic expense management. Receipts from booked travel are automatically generated and reconciled.
* **Best for:** Companies with heavy travel needs.

### 4. Best All-in-One HR/IT/Finance: **Rippling Expenses**
* **Why:** If you already use (or are considering) Rippling for payroll/HR, its expense module uses your existing organizational structure for instant approval workflows and card issuing.

### Summary Recommendation:
* Go with **Ramp** if you want to issue corporate cards and eliminate reports completely for free.
* Go with **Expensify** if you primarily reimburse employees using personal cards.


best cloud expense management software for multi-entity businesses

For multi-entity businesses, expense software must support intercompany accounting, subsidiary-level approvals, multi-currency transactions, and consolidated reporting.

Here are the best cloud expense management solutions based on business size and needs:

### 1. **Ramp** (Best Overall for Fast-Growing & Mid-Market Businesses)
* **Why it’s best for multi-entity:** Offers free entity-level controls, consolidated global reporting, and automated intercompany transaction mapping. It integrates natively with multi-entity ERPs like NetSuite and Sage Intacct.
* **Key Features:** Unlimited corporate cards per entity, automated receipt matching, zero platform fees, multi-currency reimbursement.

### 2. **Brex** (Best for Global Multi-Entity Operations)
* **Why it’s best for multi-entity:** Designed specifically for multinational businesses with subsidiaries in different countries. It allows local funding accounts, local-currency payouts, and global VAT tracking.
* **Key Features:** Global spend controls, multi-currency card issuing, automated currency conversion, enterprise ERP sync.

### 3. **Airbase** (Best for Complex Approval Workflows & AP Automation)
* **Why it’s best for multi-entity:** Built with deep corporate hierarchy support. It allows granular approval chains by entity, department, or location, and handles expense management, accounts payable, and corporate cards in one platform.
* **Key Features:** Advanced GL subsidiary mapping, automated intercompany bill payments, custom approval rules.

### 4. **SAP Concur** (Best for Large Global Enterprises)
* **Why it’s best for multi-entity:** The legacy industry standard for massive, complex enterprise structures requiring strict global tax compliance, complex travel policies, and heavy localization.
* **Key Features:** Deep compliance and tax audit tools, support for hundreds of local currencies and tax laws, integration with SAP and other major enterprise ERPs.

---

### **Recommendation Summary:**
* Choose **Ramp** for the best user experience, automation, and value (free software model).
* Choose **Brex** if you have heavy international subsidiaries needing local currency settlement.
* Choose **SAP Concur** if you are a massive enterprise with strict legacy compliance needs.

*Note: Ensure whichever platform you choose integrates natively with your multi-entity accounting software (e.g., NetSuite, Sage Intacct, or QuickBooks Enterprise).*


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

Consulting firms choose expense tracking systems based on their size, but most rely on **Professional Services Automation (PSA)** software or enterprise-grade expense management tools that integrate directly with project billing and accounting.

Here are the most common systems used by category:

### 1. Large/Enterprise Firms (e.g., McKinsey, Deloitte, Accenture)
*   **SAP Concur:** The industry standard for large enterprise firms. It handles complex client billing rules, multi-currency conversions, and corporate credit card integrations.
*   **Workday Expenses:** Popular among firms using Workday as their primary ERP system for seamless HR, payroll, and project billing integration.
*   **Oracle Fusion Cloud Expenses:** Used by large firms integrated into the broader Oracle ERP ecosystem.

### 2. Mid-Sized & Specialized Consulting Firms
*   **FinancialForce (Certinia):** Built natively on Salesforce, making it popular for firms that manage the entire client lifecycle from sales to billing in one ecosystem.
*   **Deltek (Vantagepoint/Vision):** Widely used by architecture, engineering, and management consulting firms for project-based accounting and expense tracking.
*   **Kantata (formerly Mavenlink):** A combined PSA and resource management tool tailored for tracking time and billable expenses per project.
*   **BigTime:** Popular for mid-market firms needing simple tracking of billable vs. non-billable expenses with direct integration to accounting tools.

### 3. Boutique & Small Firms
*   **Expensify:** Common for smaller firms due to its ease of use, receipt scanning (SmartScan), and ability to tag expenses to specific clients or billable project codes.
*   **Rydoo or Zoho Expense:** Used for quick deployment, travel management, and simple client-reimbursement workflows.

### Key Features Required for Billable Client Expenses
Regardless of the software, consulting firms require these systems to support:
*   **Project/Client Tagging:** Mapping expenses to specific client codes, engagement letters, or project tasks.
*   **Policy Rules Engine:** Automatically enforcing client-specific travel and expense policies (e.g., daily meal caps, room rate limits).
*   **Invoicing Integration:** Passing approved expenses directly onto the client's invoice alongside billable hours.


easy to use expense management app for employees and managers

Here are the top, easy-to-use expense management apps for both employees and managers:

### 1. **Expensify** *(Best Overall for Ease of Use)*
* **For Employees:** Simply snap a photo of a receipt; the app automatically reads the merchant, date, and amount (SmartScan) and creates an expense report.
* **For Managers:** One-click approvals, automated rule enforcement, and seamless integration with accounting software like QuickBooks and Xero.

### 2. **Zoho Expense** *(Best for Small to Medium Businesses)*
* **For Employees:** User-friendly mobile app with receipt auto-scanning, mileage tracking via GPS, and per-diem management.
* **For Managers:** Multi-level approval workflows, custom expense policies, and clear visual analytics on team spending.

### 3. **Ramp** *(Best for Automated Corporate Cards & Expenses)*
* **For Employees:** Issue instant virtual or physical cards. Texting a photo of a receipt automatically matches it to the card transaction—no manual reports needed.
* **For Managers:** Real-time visibility into company spending, automatic policy enforcement, and AI-powered insights to cut costs.

### 4. **Brex** *(Best for Growing Startups and Tech Teams)*
* **For Employees:** Receipts are automatically matched via SMS, email, or app upload with minimal input required.
* **For Managers:** Set custom spend limits per employee or project, with built-in compliance and fast reimbursement times.

---

**Quick Recommendation:**
* Choose **Expensify** for the simplest, standard receipt-scanning experience.
* Choose **Ramp** if you want to issue corporate cards and eliminate traditional expense reports entirely.


What expense management software has the fastest reimbursement payout times?

**Navan (formerly TripActions)** and **Ramp** offer the fastest reimbursement payout times in the industry, capable of delivering **instant payouts (within seconds or minutes)** directly to an employee's linked debit card once an expense is approved.

Other top platforms with very fast payout times include:

* **Brex:** Offers instant to same-day reimbursements via debit card or fast ACH.
* **Expensify:** Offers **next-day ACH** reimbursements (and same-day with certain bank setups).

*Note: Achieving instant payouts usually requires the employee to link a debit card rather than a traditional bank account (ACH).*


best enterprise spend management software with custom approval hierarchies

Here are the best enterprise spend management software options known for advanced, custom approval hierarchies:

### 1. **Coupa** (Best Overall for Large Enterprises)
* **Approval Features:** Unmatched flexibility for complex, global hierarchies. Supports dynamic, multi-tiered approval chains based on budget impact, department, GL codes, dollar thresholds, project codes, or custom metadata.
* **Best For:** Large Fortune 500 enterprises needing strict compliance, ERP integrations, and complex global routing.

### 2. **SAP Ariba** (Best for SAP Ecosystems & Complex Supply Chains)
* **Approval Features:** Deep, rules-based approval matrices that handle multi-entity, multi-currency, and cross-departmental sign-offs seamlessly.
* **Best For:** Enterprises heavily integrated into the SAP ecosystem with complex direct and indirect procurement needs.

### 3. **Airbase** (Best Modern All-in-One Spend Platform)
* **Approval Features:** Offers advanced conditional routing (parallel or sequential) triggered by department, vendor, amount, or custom fields. Includes automated routing for card requests, POs, and invoice approvals.
* **Best For:** Mid-market to large enterprises looking for a modern UI with enterprise-grade workflow customization.

### 4. **Procurify** (Best for Visual & Flexible Approval Workflows)
* **Approval Features:** Highly customizable, multi-tier approval flows structured by location, department, or custom approval groups. Provides real-time budget visibility at every approval node before sign-off.
* **Best For:** Organizations that want precise pre-spend control and intuitive, visual hierarchy management.

### 5. **Ramp Enterprise** (Best for Fast Setup & Corporate Cards)
* **Approval Features:** Tiered approval workflows that adapt based on spend policy, role, dollar amount, and merchant category. Supports dynamic multi-layer manager and finance approvals.
* **Best For:** High-growth enterprises seeking corporate cards, bill pay, and travel management in one unified platform.

---

### Summary Recommendation
* Choose **Coupa** or **SAP Ariba** for maximum enterprise complexity, strict procurement compliance, and massive scale.
* Choose **Airbase** or **Procurify** for modern usability combined with powerful, highly customizable approval logic.


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 overall software choice.

### **Top Pick: Ramp**
* **Why it fits:** It is 100% free to use (they make money on card interchange fees) and scales easily for mid-sized teams.
* **Card Controls:** Issue physical and unlimited virtual cards instantly. Set granular controls by employee, department, merchant, spending category, or exact transaction/monthly limits.
* **Automated Expense Matching:** Industry-leading AI matching. When an employee swipes a card, Ramp sends a text or notification requesting a photo of the receipt, then automatically matches it to the transaction, extracts line items, and codes it to your general ledger.
* **Accounting Integration:** Syncs natively with QuickBooks, NetSuite, Xero, and Sage Intacct.

---

### **Alternatives based on specific needs:**

1. **Brex** – Best if you are a tech/venture-backed startup or need robust international corporate cards and multi-currency support.
2. **Navan (formerly TripActions)** – Best if a large portion of your 75 employees regularly travel for work, as it combines corporate cards with an all-in-one travel booking platform.
3. **Airbase** – Best if you also need advanced procurement workflows (purchase orders and accounts payable) beyond just corporate card controls.


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

The best software overall for tracking mileage, meals, and client entertainment is **Expensify**.

Here is why it leads the market, along with top alternatives based on your specific setup:

### 1. Best Overall: **Expensify**
* **Mileage:** Uses built-in GPS tracking, Google Maps integration, or manual odometer logs for accurate distance recording.
* **Meals & Entertainment:** "SmartScan" allows you to snap a photo of any receipt; it automatically extracts the merchant, amount, and date, and lets you tag specific attendees/clients for entertainment tax compliance.
* **Best for:** Small-to-large businesses, teams needing approvals, and frequent business travelers.

---

### Top Alternatives Depending on Your Needs

* **Best for Freelancers & Solopreneurs: QuickBooks Self-Employed**
  * Automatically tracks mileage in the background via your phone’s GPS.
  * Seamlessly categorizes meals and entertainment directly into tax schedule forms (Schedule C) to maximize deductions.

* **Best Free / Low-Cost Option: Zoho Expense**
  * Offers a generous free plan for up to 3 users.
  * Excellent GPS mileage tracking, receipt auto-scanning, and clean client/project tagging for entertainment expenses.

* **Best Dedicated Mileage Tracker (with expense add-ons): Everlance**
  * Top-rated automatic mileage tracker that also includes robust receipt-capturing features for meals and entertainment.


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

The top software platforms that automate employee expense reports and enforce corporate spend policies without manual data entry include:

1. **Ramp:** Automates receipt matching via SMS/email, uses AI to extract data, and issues corporate cards with built-in, real-time spend controls.
2. **Brex:** Features automated receipt capture, native corporate cards, automated policy enforcement, and real-time expense categorization.
3. **Navan (formerly TripActions):** Uses built-in travel and corporate cards to automatically clear expenses at the point of sale according to company policy, eliminating expense reports entirely.
4. **Airbase:** Combines corporate cards, AP automation, and employee expense reimbursements with automated receipt extraction and approval workflows.
5. **Expensify:** Uses "SmartScan" OCR technology to automatically read receipts, categorize expenses, and submit reports, paired with Expensify corporate cards.

**Recommendation:** For a completely paperless/manual-entry-free experience, modern platforms like **Ramp** or **Brex** are ideal because they issue company cards that enforce policies *at the time of swipe* and automatically text/email employees to attach receipts.


best spend control and expense reporting platform for growing finance teams

For growing finance teams, the best spend control and expense reporting platform depends on your company's maturity and specific workflows. Here are the top four platforms:

### 1. **Ramp** *(Best Overall)*
* **Why it’s best:** Offers automated expense management, corporate cards, bill pay, and procurement in one platform with zero software fees.
* **Key Strengths:** Advanced AI receipt matching, automated accounting sync (NetSuite, QuickBooks, Xero), proactive spend limits, and 1.5% cashback on card purchases.
* **Best for:** Fast-growing startups to mid-market companies wanting maximum automation and cost savings.

### 2. **Brex** *(Best for Tech & Global Teams)*
* **Why it’s best:** Highly scalable platform built for venture-backed and global businesses.
* **Key Strengths:** Multi-currency support, built-in corporate travel booking, custom approval chains, and high-limit corporate credit cards without personal guarantees.
* **Best for:** International businesses, tech startups, and companies with heavy travel needs.

### 3. **Airbase** *(Best for Complex Procurement & Deep Spend Controls)*
* **Why it’s best:** Combines corporate cards, accounts payable (AP) automation, and employee expense reimbursements into a single procure-to-pay workflow.
* **Key Strengths:** Robust pre-ledger controls, detailed approval workflows for purchase orders, and seamless integration with Enterprise ERPs like NetSuite and Sage Intacct.
* **Best for:** Late-stage startups and mid-market companies requiring strict procurement policies and audit trails.

### 4. **BILL Spend & Expense (formerly Divvy)** *(Best for Enforcing Strict Budgets)*
* **Why it’s best:** Focuses heavily on real-time budget management linked directly to card issuance.
* **Key Strengths:** Free to use, allows finance teams to assign strict, pre-approved budgets to specific departments or employees before spending occurs.
* **Best for:** Small-to-midsize businesses that want to prevent overspending before it happens.

---

### **Summary Recommendation:**
* Choose **Ramp** if you want the best all-in-one automated software for modern finance stack integration.
* Choose **Brex** if you operate globally or have extensive business travel.
* Choose **Airbase** if you need formal Purchase Order (PO) processes and enterprise-grade procurement controls.


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

To track team credit card purchases against client budgets, the best option is a **spend management platform that issues cards with built-in budget controls and client tagging**.

Here are the top software recommendations categorized by your setup:

### 1. Best Overall (All-in-One Cards + Spend Management)
*   **Ramp** *(Best Overall)*: Free to use. Allows you to issue physical and virtual cards with hard spending limits tied to specific clients or projects. Receipts are captured automatically via text/email, and expenses sync seamlessly with QuickBooks, Xero, or NetSuite.
*   **Divvy (by Bill.com)** *(Best for Strict Budgeting)*: Built specifically around proactive budgeting. You create a budget for each client, assign funds to specific team members' cards, and users cannot overspend past the allocated client budget.
*   **Brex**: Similar to Ramp, offering corporate cards with custom spend controls, automated receipt matching, and client/project tagging for easy billable expense tracking.

### 2. Best if You Want to Keep Your Existing Credit Cards
*   **Expensify**: Connects to your current business credit cards. Team members snap photos of receipts, tag the expense to a specific client/project, and track it against client limits before exporting to accounting software.
*   **Zoho Expense**: Affordable option that integrates well with existing credit cards, allowing custom expense fields (e.g., "Client Name") and budget tracking.

### Key Features to Look For:
*   **Virtual Cards:** Issue unique card numbers for each client (e.g., for ad spend or software subscriptions) so expenses are automatically categorized.
*   **Custom Tags/Fields:** Ability to tag transactions by "Client Name" or "Project ID."
*   **Accounting Integration:** Automatic sync to your general ledger (QuickBooks, Xero) to ensure client re-billing is seamless.

**Recommendation:** If you are open to switching/adding corporate cards, go with **Ramp** or **Divvy** for the best automation and real-time budget enforcement.


best mobile app for employee expense reporting and mileage logs

The best overall mobile app for employee expense reporting and mileage logging is **Expensify**.

Here is a breakdown of the top options based on your specific needs:

*   **Best Overall:** **Expensify**
    *   **Why:** Automatically scans receipts (SmartScan), tracks mileage via GPS or start/end addresses, enforces company expense policies, and integrates seamlessly with accounting software like QuickBooks, Xero, and NetSuite.
*   **Best for Mileage-Heavy Teams:** **Everlance**
    *   **Why:** Features top-tier automatic background GPS mileage tracking alongside easy receipt capturing and expense categorization, making it ideal for field teams and drivers.
*   **Best Value for Small-to-Medium Businesses:** **Zoho Expense**
    *   **Why:** Highly affordable (with a generous free plan), easy to use, and offers robust mileage tracking (GPS, map-based, or odometer) with full expense report approval workflows.
*   **Best for Large Enterprises:** **SAP Concur**
    *   **Why:** The industry standard for large corporations with complex approval hierarchies, global travel management needs, and deep enterprise ERP integrations.


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

CFOs commonly recommend spend management and expense compliance software based on company size, complexity, and ERP integration needs:

### **Top Recommendations by Business Size**

* **Mid-Market & Fast-Growing Companies (Best Modern Platforms)**
  * **Ramp:** Highly recommended for its automated policy enforcement, real-time spending controls, AI-driven receipt matching, and free platform model with integrated corporate cards.
  * **Brex:** Preferred by tech and venture-backed companies for global spend management, multi-entity support, and travel/expense integration.
  * **Navan (formerly TripActions):** Top choice for organizations with heavy corporate travel, offering real-time spend visibility and automated travel policy compliance.

* **Enterprise & Global Organizations (Best for Deep Compliance & Complex Workflows)**
  * **Coupa:** Industry leader for comprehensive Business Spend Management (BSM), direct/indirect procurement, and enterprise-grade compliance audits.
  * **SAP Concur:** The long-standing enterprise standard for global tax compliance, complex travel policies, and deep integration with SAP and big-four ERPs.

* **Small-to-Midsize Businesses (SMBs)**
  * **BILL Spend & Expense (formerly Divvy):** Popular for budget enforcement *before* spending occurs using pre-allocated virtual cards.
  * **Expensify:** Widely used for straightforward user submission, approval workflows, and quick SMB setup.

---

### **Key Features CFOs Prioritize When Selecting**
1. **ERP Integration:** Seamless two-way sync with systems like NetSuite, Workday, QuickBooks, or SAP.
2. **Pre-Spend Controls:** Ability to issue virtual cards with strict limits and auto-enforced rules.
3. **Automated Audit/Compliance:** AI tools that flag out-of-policy items, duplicate receipts, and tax non-compliance automatically.


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

For a **50-person company**, the best choice is usually **Ramp** or **BILL (Divvy)** if you want a mid-market spend platform with cards, approvals, and accounting integrations; if your needs are simpler and you want the easiest rollout, **Expensify** is often the better fit for a team near this size.[2][9][18]

A practical way to think about it:
- **Ramp**: best for companies that want broader spend control, strong automation, and a modern corporate-card-first workflow.[6][12][18]
- **BILL (Divvy)**: strong for expense management tied to card spend and budgeting, especially for growing businesses.[2][8]
- **Expensify**: best when the team is closer to “simple expenses + fast setup,” and several sources note it works best for teams **under 50** with lighter expense needs.[4][7]
- **Spendesk**: a solid mid-market option if you want all-in-one spend management and stronger accounting integrations.[9]

If you want one clear recommendation: **Ramp** is the best default pick for a 50-person company, because sources consistently place it among the top solutions for mid-market businesses needing more than basic receipt capture, while still staying relatively easy to deploy.[2][6][12]

If your company mostly files reimbursements and doesn’t need advanced spend controls, choose **Expensify** instead, since it is repeatedly positioned as best for small teams and simpler expense workflows.[4][7]


Best spend management software for small business

For most small businesses, **BILL Spend & Expense**, **Ramp**, and **Expensify** are the strongest starting points, with **Zoho Expense** as a good low-cost alternative and **Brex** better for tighter controls or a more startup-style finance stack.[1][9][12]

A practical way to choose:

- **Best overall for many SMBs:** **Mercury** or **Ramp**, depending on whether you want a broader business banking/spend stack or stronger expense automation and policy controls.[1][9][13]
- **Best free option:** **BILL Spend & Expense** offers a free tier and is positioned for small businesses needing fast deployment.[9][12]
- **Best low-cost expense tool:** **Zoho Expense** is highlighted as the best free or low-cost option for startups and SMBs.[1]
- **Best for scaling teams:** **Expensify** is commonly recommended for growing small businesses.[1][9]
- **Best for strong controls:** **Brex** is recommended when approvals, controls, and visibility matter most.[1][4]

If you want the simplest answer: **choose Ramp if you want the best all-around spend management automation, or BILL Spend & Expense if you want free, card-first spend management for a small business**.[9][12][17]

If you want, I can also give you a **top 5 comparison by price, features, and best use case**.


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 safest default pick is **Ramp** if you want to replace spreadsheet reimbursements with a modern system that is easy to deploy, offers **free unlimited** expense tracking, and adds strong **policy enforcement** and automation.[2][13] If your team is already using a card-first finance stack or needs stronger controls and more integrated spend management, **Brex** is the main alternative to compare.[1][12][14]

A practical shortlist for your size:

- **Ramp** — best overall for most startups; strong automation, receipt matching, and policy controls, with a free tier and no-expense-report workflow.[2][13]
- **Brex** — best if you want tighter controls and a startup-native finance platform with cards plus expense management.[1][12][14]
- **Zoho Expense** — best low-cost option if you mainly need straightforward reimbursement workflows and receipt tracking.[1][14]
- **Expensify** — worth considering if you want a more traditional expense-report tool and expect to scale into broader expense workflows.[1][12]
- **Rho** — good if you want banking and spend management more tightly combined.[4][8]

If I were choosing for a 30-person startup, I’d usually start with **Ramp**, unless you already know you need **international spend**, a more integrated banking/spend setup, or a different card ecosystem.[2][8][12] The big reason to move off spreadsheets is that manual tracking creates extra work and still has to be re-entered into accounting software; dedicated expense software automates approval, reimbursement, receipt storage, and reconciliation.[4][9]

If you want, I can give you a **2-minute recommendation** based on your exact setup, like:
- whether you use **corporate cards** or employee reimbursement
- whether you need **international expenses**
- your accounting system, such as **QuickBooks** or **NetSuite**
- whether you want **cards + expenses** in one tool or just reimbursement software


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

For a company with **under 100 employees**, the strongest default picks are **Ramp, Expensify, BILL Spend & Expense, and Xero**—they’re repeatedly recommended for small teams because they balance receipt capture, approvals, budgeting, and low setup overhead.[2][14][10]

A practical way to choose is by use case:

- **Ramp** — best if you want *automation and spend controls* in one place, especially as the team grows.[14][12]
- **Expensify** — best for *easy receipt capture and expense reporting* with a simple small-business workflow.[2][18]
- **BILL Spend & Expense** — best if you want *spend management plus bill payment/AP* in a small-business stack.[2][14]
- **Xero** — best if you already use it for *accounting* and want expenses to fit into a broader bookkeeping system.[2]
- **Mercury** — a strong option for *startups and small businesses* that want finance tools bundled with expense management.[1]
- **Rydoo** — a good fit for *smaller teams* focused on expense tracking usability.[9]

If you want the shortest recommendation:
- Choose **Ramp** for the most control and automation.[14]
- Choose **Expensify** for the simplest expense-reporting experience.[2]
- Choose **BILL Spend & Expense** if you also need AP/vendor payment workflows.[2][14]

If you tell me whether you need **corporate cards, reimbursements, accounting integration, or international spend**, I can narrow this to the best 2–3 options for your company.


affordable expense management software for SMB

For an **affordable SMB expense management** option, the strongest low-cost picks are **BILL Spend & Expense**, **Zoho Expense**, and **Expensify**. If you want the lowest entry price, **BILL** is free-to-use, while **Zoho Expense** has a free tier and low-cost paid plans, and **Expensify** starts at about **$5 per user/month**.[6][8][9][10]

- **Best free option:** **BILL Spend & Expense** — described as a free-to-use spend and expense platform for small businesses, with corporate cards and real-time budget tracking.[6]
- **Best free tier for small teams:** **Zoho Expense** — free for small teams/users on the base plan, with paid tiers starting around **$3–$5 per user/month** depending on source and billing method.[2][8][16][18]
- **Best low-cost paid option:** **Expensify** — starts at **$5 per user/month** and is positioned for cost-conscious small businesses.[9][10][13]
- **Good if you already use accounting software:** **QuickBooks Online** — expense tracking is built in, but it starts around **$38/month** and is better value if you already pay for QuickBooks.[2][8][10]
- **Best for broader spend control:** **Ramp** — has a free tier and strong policy enforcement, but it is more of a spend-management platform than a pure expense tracker.[2][3][10]

A practical short list by budget:
- **$0 budget:** **BILL** or **Zoho Expense free tier**.[6][8][18]
- **Under $10/user/month:** **Expensify** or **Zoho Expense paid tiers**.[8][9][10][16]
- **Need expense + cards + controls:** **Ramp** or **BILL**.[2][6][10]

If you want, I can narrow this to the **best 3 options for your team size, accounting stack, and whether you need corporate cards or mileage tracking**.


What expense software do small companies actually use?

Small companies most often use **QuickBooks Online, Xero, Zoho Expense, FreshBooks, and Expensify** for expense tracking and reporting, with **Ramp** and **Brex** common when they also want spend control or corporate cards.[1][2][3][4][6][15][18]

What shows up most across the results:
- **QuickBooks Online** is repeatedly listed as a top small-business choice, especially for businesses that want expense tracking inside their accounting software.[2][3][7][13]
- **Zoho Expense** is a frequent pick for budget-conscious small teams because it has a free or low-cost tier.[1][3][6][16][18]
- **FreshBooks** is commonly used by freelancers and very small businesses that want simple expense tracking bundled with invoicing/accounting.[3][4][10][15][18]
- **Expensify** is often chosen for receipt capture and reimbursements, and is repeatedly described as a familiar option for small businesses.[1][4][9][15][17][20]
- **Xero** is popular when a small company wants accounting-led expense management.[2][3][6][18]

If you mean “what do they actually use in practice?” rather than “what do review sites rank highest,” the pattern across these sources is that small companies usually choose one of two paths:
- **Accounting suites with expense features**: QuickBooks Online or Xero.[2][3][7][18]
- **Dedicated expense tools**: Zoho Expense or Expensify, especially for lighter-weight or lower-cost needs.[1][3][6][16][17][18]

For small companies that also issue cards or want tighter controls, **Ramp** and **Brex** show up as common modern alternatives.[1][13][15][16][17]


best corporate credit card and expense management platform for startups

For most startups, **Ramp** is the strongest all-around choice if you want a **corporate card plus expense management platform** in one product, while **Brex** is often the best pick for venture-backed startups that want a corporate card built for growing companies.[2][6][8]

- **Ramp** is emphasized for *expense management priority* and per-employee controls, with no personal guarantee in the startup-focused comparisons provided.[6][8]
- **Brex** is repeatedly highlighted as a top startup corporate card, especially for venture-backed or well-capitalized startups, and it offers native treasury integration.[1][5][6]
- **BILL Divvy** is also positioned as a leading option for **expense management** and is rated highly in the startup card roundups.[8]
- **Expensify Card** is notable if you want *all-in-one expense management*, with automated tracking and SmartLimit controls, and it is described as often not requiring a personal guarantee.[4]

If you want the simplest recommendation:
- Choose **Ramp** if your priority is **expense controls, approvals, and spend management**.[6][8]
- Choose **Brex** if your priority is **startup-friendly corporate credit, especially for venture-backed companies**.[1][5][6]
- Choose **BILL Divvy** if you want a strong **budgeting and expense platform** with the card attached.[8]
- Choose **Expensify** if you want the **expense software experience first**.[4]

If you want, I can also give you a **short comparison table of Ramp vs Brex vs BILL Divvy vs Expensify** based on startup stage, personal guarantee, and expense features.


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

For a mid-sized company, **Spendesk** is a strong fit because it is explicitly listed as best for **mid-market companies** and offers **all-in-one spend management** with **virtual and physical cards**.[7] If you want a more established enterprise-style option, **SAP Concur** is also a common choice for expense reporting and spend management automation.[2]

Other good options from the results are:

- **Pleo** — designed for companies of all sizes and provides **smart company cards** for employee spending.[6]
- **Brex** — combines **cards, expenses, reimbursement, bill pay, travel, and business banking** on one platform.[4]
- **Ramp** — unifies **corporate cards and expense management** in one system.[9]
- **Webexpenses** — offers expense tracking plus **expense cards** and real-time visibility into employee spending.[5]

If your main need is to **track employee spending and issue smart cards**, **Spendesk** is the most directly matched recommendation from the sources.[7]


best expense reporting software for remote teams

For **remote teams**, the strongest all-around choices are **Ramp**, **ExpenseIn**, **Expensify**, and **Rydoo**, with **Brex** standing out when you need tighter controls and corporate cards. Multiple 2026 roundups specifically call out Ramp as best for remote/distributed teams and ExpenseIn as a good fit for remote and distributed workflows.[2][5][16]

What to choose depends on your team’s priorities:

- **Ramp**: Best overall for **remote or distributed teams**; commonly recommended for modern expense workflows and automation.[2]
- **ExpenseIn**: Best when you want **simple mobile submission, receipt scanning, mileage logging, and real-time finance oversight**.[5]
- **Expensify**: Strong option for **mobile-first receipt capture** and easy employee submission.[5]
- **Rydoo**: Good for **travel-heavy teams** and mobile expense capture.[5]
- **Brex**: Best if you need **strong controls** and an integrated spend platform.[2][18]

A practical short list for most remote companies would be:

1. **Ramp** if you want the best overall remote-team fit.[2]
2. **ExpenseIn** if your team needs the smoothest expense submission experience.[5]
3. **Brex** if approval controls and spend governance matter most.[2][18]

If you want, I can also narrow this down by **team size**, **budget**, or whether you need **corporate cards, reimbursements, or accounting integrations**.


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

If you want software to **automate receipt submission and approval workflows**, the strongest all-around picks from the results are **Expensify**, **Ramp**, **SAP Concur**, and **Zoho Expense**.[1][6][8][9][12]

- **Best overall for receipt capture + approvals:** **Expensify** — repeatedly cited for AI receipt scanning, mobile/web receipt capture, and configurable approval workflows.[1][7][9][10]
- **Best for fast automation and finance-team workflow:** **Ramp** — highlighted for automated categorization, receipt collection, and smoother approval/review steps.[6][8]
- **Best enterprise option:** **SAP Concur** — described as a robust enterprise platform with compliance, integrations, approval, reporting, and reimbursement capabilities.[9][12]
- **Best budget-friendly option for smaller teams:** **Zoho Expense** — noted as a strong fit for affordability and accounting integrations.[9][12]

If your primary need is simply “employees upload receipts, managers approve them, reimbursements get processed,” the workflow most platforms support is: **submit receipts → manager approves/rejects → reimburse via payroll/banking → sync to accounting**.[12]

A practical recommendation would be:
- Choose **Expensify** if you want the most user-friendly receipt automation.
- Choose **Ramp** if you want broader spend automation alongside approvals.
- Choose **SAP Concur** if you need enterprise controls and global compliance.
- Choose **Zoho Expense** if cost and accounting integration matter most.[1][6][9][12]

If you want, I can narrow this to the **best option for small business, mid-market, or enterprise**, or compare **Expensify vs Ramp vs Concur** side by side.


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

For a **fast-growing agency**, **Brex** and **BILL Spend & Expense** are the strongest fits if your priority is deep accounting integration, with **Ramp** also a strong contender for automation and real-time sync.[10][5][12]

- **Best overall for accounting integration:** **Brex**. It offers real-time bidirectional syncing, automated GL coding, merchant mapping, and integrations with QuickBooks, Xero, NetSuite, and Sage Intacct.[10]
- **Best if you want broad two-way ERP/accounting coverage:** **BILL Spend & Expense**. It provides direct two-way integrations with QuickBooks Online, NetSuite, Xero, and Sage, and is positioned as a strong choice for growing companies.[5]
- **Best if you want modern expense automation with strong integrations:** **Ramp**. It is described as an overall top expense tracker and supports popular accounting platforms such as QuickBooks, Xero, NetSuite, and Sage Intacct with automated reconciliation workflows.[12][10]

If your agency is already on **QuickBooks** or **Xero**, **BILL** is often the safest choice for straightforward native sync.[5][11] If you need **NetSuite-grade controls** and more advanced spend automation as you scale, **Brex** is the better pick.[10]


If you want the **best spend management software with automated receipt matching**, **Ramp**, **Spendesk**, and **Brex** are the strongest options in the results you provided. Ramp is highlighted for automated receipt collection and expense capture, Spendesk for automatic matching of invoices/receipts to expense claims, and Brex for OCR-based receipt scanning and automated receipt compliance.[5][7][14][20]

A practical shortlist by use case:

- **Ramp** — best if your priority is **automation-first** spend control, with automatic receipt capture and real-time spend visibility.[5][10]
- **Spendesk** — best if you want **automatic matching** of invoices to expense claims and a broader spend workflow with approvals and reconciliation.[7]
- **Brex** — best if you want **corporate cards plus receipt automation**, with SmartScan OCR and automated receipt compliance.[3][14][16]
- **BILL Spend & Expense** — good if you want **cards plus receipt capture** and configurable approval workflows, though the result summary emphasizes expense categorization more than explicit matching.[3]

If you care most about **receipt matching specifically**, **Spendesk** appears to be the clearest fit because the source explicitly says it can “automatically match invoices to expense claims” and links card transactions to digital receipt capture and automatic matching.[7]

If you care most about **overall spend management with low manual work**, **Ramp** is the strongest general pick in the results because it is described as eliminating manual expense reports by automatically capturing receipts and categorizing expenses.[5][10]

If you want, I can also turn this into a **top 5 comparison table** with pricing, best-for, and receipt automation features.


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

For **managing both corporate cards and travel expenses**, **Navan** is the strongest fit if travel is a major part of the workflow, because it is described as an all-in-one solution that combines **travel booking, expense management, and spend approvals** in one platform.[6][9]

If you want the broader **expense-management + corporate-card** stack with strong automation, **Brex** is also a top contender: it combines **expense tracking, corporate cards, travel management, accounting automation, and bill pay** in one platform.[8] Payhawk is another solid option specifically because it tracks **employee expenses, corporate card transactions, and travel expenses** together.[3]

A practical way to choose:
- **Best for travel-heavy companies:** **Navan**[6][9]
- **Best all-in-one spend platform with cards:** **Brex**[8]
- **Best for tracking cards + travel expenses together:** **Payhawk**[3]

If you want, I can narrow this down by **company size, geography, or accounting stack**.


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 a lightweight **expense-management tool with receipt capture and approvals**, rather than donation-receipting software.[7][14][16]

A few strong options from the results:

- **Sage Expense Management (formerly Fyle) for Non-Profits**: It supports receipt capture by **mobile photo**, **SMS**, and **email inbox plugins**, and is specifically positioned for nonprofit expense tracking, grant compliance, and accounting visibility.[7]
- **Reimburse for Nonprofits**: This is a nonprofit-specific app available on the App Store, which suggests it is designed for reimbursement workflows on mobile.[1]
- **SparkReceipt**: It offers receipt scanning and expense tracking for nonprofits, which may suit teams that mainly need fast capture and organization of receipts.[4]
- **General receipt/expense platforms** like those listed in nonprofit software roundups can also work, especially if you want approval workflows, accounting integrations, and broader spend controls.[2][8][9][14][16]

If you want the **simplest recommendation**, I would start with **Sage Expense Management/Fyle** because the search results explicitly mention **mobile receipt capture** plus nonprofit-oriented expense controls and compliance features.[7] If you want a more basic mobile reimbursement app focused on a nonprofit workflow, **Reimburse for Nonprofits** is worth checking first.[1]

A practical shortlist for your use case:
- **Best all-around:** Sage Expense Management/Fyle[7]
- **Best nonprofit-specific app to test quickly:** Reimburse for Nonprofits[1]
- **Best for simple receipt scanning:** SparkReceipt[4]

If you want, I can turn this into a **2-3 tool comparison** based on **price, approval workflow, accounting integrations, and ease of use**.