{"schema_version":"1.0","id":"expense-management-benchmark","canonical_url":"/research/expense-management-benchmark","title":"Corporate Expense Software Benchmark 2026","edition":"2026","summary":"A source-backed comparison of nine corporate expense platforms across cards, expense capture, accounts payable, controls, multi-entity operations, accounting, regional availability and commercial model.","status":"published","category_id":"expense-management","version":"1.1.0","published_at":"2026-08-07","reviewed_at":"2026-08-07","license_url":"https://creativecommons.org/licenses/by/4.0/","author":{"id":"opencompare-research","name":"OpenCompare Research","role":"author","organization":"OpenCompare","url":"https://opencompare.net/research"},"reviewers":[{"id":"hagen-hoferichter","name":"Hagen Hoferichter","role":"reviewer","organization":"OpenCompare","url":"https://github.com/h4gen"}],"methodology":{"id":"public-evidence-benchmark","version":"1.1.0","canonical_url":"/research/methodology"},"scope_note":"The benchmark covers nine researched corporate expense products with normalized public evidence across all eight dimensions as observed through 7 August 2026.","exclusions":[{"productId":"airbase","reason":"Airbase remains in the category inventory but is excluded from this edition because its public evidence has not yet been normalized across every benchmark dimension."}],"products":[{"id":"ramp","name":"Ramp","canonicalPath":"/entity/ramp","canonical_url":"/entity/ramp"},{"id":"brex","name":"Brex","canonicalPath":"/entity/brex","canonical_url":"/entity/brex"},{"id":"pleo","name":"Pleo","canonicalPath":"/entity/pleo","canonical_url":"/entity/pleo"},{"id":"spendesk","name":"Spendesk","canonicalPath":"/entity/spendesk","canonical_url":"/entity/spendesk"},{"id":"payhawk","name":"Payhawk","canonicalPath":"/entity/payhawk","canonical_url":"/entity/payhawk"},{"id":"sap-concur","name":"SAP Concur","canonicalPath":"/entity/sap-concur","canonical_url":"/entity/sap-concur"},{"id":"rydoo","name":"Rydoo","canonicalPath":"/entity/rydoo","canonical_url":"/entity/rydoo"},{"id":"moss","name":"Moss","canonicalPath":"/entity/moss","canonical_url":"/entity/moss"},{"id":"soldo","name":"Soldo","canonicalPath":"/entity/soldo","canonical_url":"/entity/soldo"}],"dimensions":[{"id":"card-program","name":"Card program","description":"Physical, virtual and other business-card controls and availability."},{"id":"expense-capture","name":"Expense capture","description":"Receipt capture, reconciliation, reimbursement and mileage workflows."},{"id":"accounts-payable","name":"Accounts payable","description":"Invoice intake, approval and payment capabilities."},{"id":"spend-controls","name":"Spend controls","description":"Policy, budget, approval and merchant-level controls."},{"id":"multi-entity","name":"Multi-entity operations","description":"Support for multiple legal entities, currencies and consolidated administration."},{"id":"accounting-ecosystem","name":"Accounting ecosystem","description":"Accounting and ERP integrations plus reconciliation depth."},{"id":"regional-availability","name":"Regional availability","description":"Countries, currencies and legal entities the service can support."},{"id":"commercial-model","name":"Commercial model","description":"The units and commitments that determine customer cost."}],"observations":[{"id":"ramp:card-program","productId":"ramp","criterionId":"card-program","status":"supported","summary":"Ramp offers corporate cards with spend controls and unlimited cards on the core product.","sourceIds":["official-ramp","ramp-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-02","sources":[{"id":"official-ramp","type":"official_product","title":"Ramp official product page","publisher":"Ramp","url":"https://ramp.com","retrievedAt":"2026-07-31"},{"id":"ramp-pricing-2026-08","type":"official_pricing","title":"Ramp pricing overview","publisher":"Ramp","url":"https://support.ramp.com/ramp-pricing-overview/","retrievedAt":"2026-08-02"}]},{"id":"ramp:expense-capture","productId":"ramp","criterionId":"expense-capture","status":"supported","summary":"Ramp lists expense management, real-time reporting and receipt or expense workflows.","sourceIds":["official-ramp","ramp-pricing-2026-08"],"confidence":"medium","observedAt":"2026-08-02","sources":[{"id":"official-ramp","type":"official_product","title":"Ramp official product page","publisher":"Ramp","url":"https://ramp.com","retrievedAt":"2026-07-31"},{"id":"ramp-pricing-2026-08","type":"official_pricing","title":"Ramp pricing overview","publisher":"Ramp","url":"https://support.ramp.com/ramp-pricing-overview/","retrievedAt":"2026-08-02"}]},{"id":"ramp:accounts-payable","productId":"ramp","criterionId":"accounts-payable","status":"partial","summary":"Bill payments to vendors are included in the US-focused pricing description; exact international payment coverage is not established here.","sourceIds":["ramp-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-02","sources":[{"id":"ramp-pricing-2026-08","type":"official_pricing","title":"Ramp pricing overview","publisher":"Ramp","url":"https://support.ramp.com/ramp-pricing-overview/","retrievedAt":"2026-08-02"}]},{"id":"ramp:spend-controls","productId":"ramp","criterionId":"spend-controls","status":"supported","summary":"Ramp Enterprise documents card limits by category, location and amount plus multi-step approvals and merchant restrictions.","sourceIds":["ramp-controls-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"ramp-controls-2026-08","type":"official_docs","title":"Ramp enterprise spend controls","publisher":"Ramp","url":"https://ramp.com/enterprise","retrievedAt":"2026-08-07"}]},{"id":"ramp:multi-entity","productId":"ramp","criterionId":"multi-entity","status":"partial","summary":"Ramp supports multiple entities in one instance on Plus and Enterprise, with entity-specific payment settings and bank accounts; plan and ERP eligibility still apply.","sourceIds":["ramp-multi-entity-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"ramp-multi-entity-2026-08","type":"official_docs","title":"Ramp support for multi-entity businesses","publisher":"Ramp","url":"https://support.ramp.com/ramp-support-for-multi-entity-businesses/","retrievedAt":"2026-08-07"}]},{"id":"ramp:accounting-ecosystem","productId":"ramp","criterionId":"accounting-ecosystem","status":"supported","summary":"Ramp advertises accounting automation and integrations with accounting, identity and workflow tools.","sourceIds":["ramp-pricing-2026-08","ramp-integrations-2026-08"],"confidence":"medium","observedAt":"2026-08-02","sources":[{"id":"ramp-pricing-2026-08","type":"official_pricing","title":"Ramp pricing overview","publisher":"Ramp","url":"https://support.ramp.com/ramp-pricing-overview/","retrievedAt":"2026-08-02"},{"id":"ramp-integrations-2026-08","type":"official_integrations","title":"Ramp integrations and partners","publisher":"Ramp","url":"https://ramp.com/hris-tech-partners","retrievedAt":"2026-08-02"}]},{"id":"ramp:regional-availability","productId":"ramp","criterionId":"regional-availability","status":"partial","summary":"Ramp advertises local cards in 30+ countries and payments in 185+ countries, while individual card currencies and features remain country- and plan-specific.","sourceIds":["ramp-global-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"ramp-global-2026-08","type":"official_product","title":"Ramp global spend management","publisher":"Ramp","url":"https://ramp.com/global/","retrievedAt":"2026-08-07"}]},{"id":"ramp:commercial-model","productId":"ramp","criterionId":"commercial-model","status":"supported","summary":"Core card and expense software is described as free; bill pay uses payment-method transaction fees.","sourceIds":["ramp-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-02","sources":[{"id":"ramp-pricing-2026-08","type":"official_pricing","title":"Ramp pricing overview","publisher":"Ramp","url":"https://support.ramp.com/ramp-pricing-overview/","retrievedAt":"2026-08-02"}]},{"id":"brex:card-program","productId":"brex","criterionId":"card-program","status":"supported","summary":"Brex advertises global cards, local-currency cards in 50+ countries and merchant controls.","sourceIds":["official-brex","brex-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-02","sources":[{"id":"official-brex","type":"official_product","title":"Brex official product page","publisher":"Brex","url":"https://www.brex.com","retrievedAt":"2026-07-31"},{"id":"brex-pricing-2026-08","type":"official_pricing","title":"Brex pricing plans","publisher":"Brex","url":"https://www.brex.com/pricing","retrievedAt":"2026-08-02"}]},{"id":"brex:expense-capture","productId":"brex","criterionId":"expense-capture","status":"supported","summary":"Brex documents AI-generated receipts, memos and attendees plus expense management and reimbursements.","sourceIds":["brex-expense-2026-08","brex-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-02","sources":[{"id":"brex-expense-2026-08","type":"official_product","title":"Brex expense management","publisher":"Brex","url":"https://www.brex.com/product/expense-management","retrievedAt":"2026-08-02"},{"id":"brex-pricing-2026-08","type":"official_pricing","title":"Brex pricing plans","publisher":"Brex","url":"https://www.brex.com/pricing","retrievedAt":"2026-08-02"}]},{"id":"brex:accounts-payable","productId":"brex","criterionId":"accounts-payable","status":"supported","summary":"Brex documents invoice capture, purchase-order matching and local-currency vendor payments in 50+ countries through ACH, wire and card rails.","sourceIds":["brex-ap-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"brex-ap-2026-08","type":"official_product","title":"Brex accounts payable automation","publisher":"Brex","url":"https://www.brex.com/solutions/accounts-payable-automation-software","retrievedAt":"2026-08-07"}]},{"id":"brex:spend-controls","productId":"brex","criterionId":"spend-controls","status":"supported","summary":"Brex lists budgets, custom rules, policy exceptions, approval chains and merchant controls.","sourceIds":["brex-expense-2026-08","brex-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-02","sources":[{"id":"brex-expense-2026-08","type":"official_product","title":"Brex expense management","publisher":"Brex","url":"https://www.brex.com/product/expense-management","retrievedAt":"2026-08-02"},{"id":"brex-pricing-2026-08","type":"official_pricing","title":"Brex pricing plans","publisher":"Brex","url":"https://www.brex.com/pricing","retrievedAt":"2026-08-02"}]},{"id":"brex:multi-entity","productId":"brex","criterionId":"multi-entity","status":"supported","summary":"Essentials includes up to two entities and Premium adds multi-entity support for US and international operations.","sourceIds":["brex-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-02","sources":[{"id":"brex-pricing-2026-08","type":"official_pricing","title":"Brex pricing plans","publisher":"Brex","url":"https://www.brex.com/pricing","retrievedAt":"2026-08-02"}]},{"id":"brex:accounting-ecosystem","productId":"brex","criterionId":"accounting-ecosystem","status":"supported","summary":"Brex documents direct ERP sync with NetSuite, QuickBooks Online, Sage Intacct, Xero and Dynamics 365 Business Central, plus Custom Accounting exports.","sourceIds":["brex-erp-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"brex-erp-2026-08","type":"official_docs","title":"Brex ERP integrations","publisher":"Brex","url":"https://www.brex.com/support/brex-erp-integrations","retrievedAt":"2026-08-07"}]},{"id":"brex:regional-availability","productId":"brex","criterionId":"regional-availability","status":"partial","summary":"Brex documents physical and virtual cards across 60+ countries and expense handling in 100+ currencies; entity and card eligibility still varies by country.","sourceIds":["brex-global-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"brex-global-2026-08","type":"official_product","title":"Brex global spend management","publisher":"Brex","url":"https://www.brex.com/product/global","retrievedAt":"2026-08-07"}]},{"id":"brex:commercial-model","productId":"brex","criterionId":"commercial-model","status":"supported","summary":"Brex lists Essentials at $0 per user/month, Premium at $12 per user/month and Enterprise at custom pricing.","sourceIds":["brex-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-02","sources":[{"id":"brex-pricing-2026-08","type":"official_pricing","title":"Brex pricing plans","publisher":"Brex","url":"https://www.brex.com/pricing","retrievedAt":"2026-08-02"}]},{"id":"pleo:card-program","productId":"pleo","criterionId":"card-program","status":"supported","summary":"Pleo advertises physical and virtual cards, vendor cards, individual and temporary limits, card controls and mobile-wallet support; availability varies by plan.","sourceIds":["pleo-official-features-2026-08","pleo-official-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-04","sources":[{"id":"pleo-official-features-2026-08","type":"official_product","title":"Pleo product features","publisher":"Pleo","url":"https://www.pleo.io/en/features","retrievedAt":"2026-08-04"},{"id":"pleo-official-pricing-2026-08","type":"official_pricing","title":"Pleo pricing","publisher":"Pleo","url":"https://www.pleo.io/en/pricing","retrievedAt":"2026-08-04"}]},{"id":"pleo:expense-capture","productId":"pleo","criterionId":"expense-capture","status":"supported","summary":"Pleo documents receipt capture through cards and Fetch, automated expense reports, out-of-pocket reimbursements, mileage and reconciliation workflows.","sourceIds":["pleo-official-pricing-2026-08","pleo-official-faq-2026-08"],"confidence":"high","observedAt":"2026-08-04","sources":[{"id":"pleo-official-pricing-2026-08","type":"official_pricing","title":"Pleo pricing","publisher":"Pleo","url":"https://www.pleo.io/en/pricing","retrievedAt":"2026-08-04"},{"id":"pleo-official-faq-2026-08","type":"official_docs","title":"Pleo FAQ","publisher":"Pleo","url":"https://www.pleo.io/en/faq","retrievedAt":"2026-08-04"}]},{"id":"pleo:accounts-payable","productId":"pleo","criterionId":"accounts-payable","status":"supported","summary":"Pleo describes invoice capture with OCR, approval workflows, purchase orders, direct invoice payment and accounting synchronization.","sourceIds":["pleo-official-features-2026-08","pleo-official-pricing-2026-08","pleo-official-faq-2026-08"],"confidence":"high","observedAt":"2026-08-04","sources":[{"id":"pleo-official-features-2026-08","type":"official_product","title":"Pleo product features","publisher":"Pleo","url":"https://www.pleo.io/en/features","retrievedAt":"2026-08-04"},{"id":"pleo-official-pricing-2026-08","type":"official_pricing","title":"Pleo pricing","publisher":"Pleo","url":"https://www.pleo.io/en/pricing","retrievedAt":"2026-08-04"},{"id":"pleo-official-faq-2026-08","type":"official_docs","title":"Pleo FAQ","publisher":"Pleo","url":"https://www.pleo.io/en/faq","retrievedAt":"2026-08-04"}]},{"id":"pleo:spend-controls","productId":"pleo","criterionId":"spend-controls","status":"supported","summary":"Pleo lists individual and per-purchase card limits, temporary limits, spending guidelines, approval workflows, budgets, merchant controls and card freezing; several controls are plan-dependent.","sourceIds":["pleo-official-pricing-2026-08","pleo-official-faq-2026-08"],"confidence":"high","observedAt":"2026-08-04","sources":[{"id":"pleo-official-pricing-2026-08","type":"official_pricing","title":"Pleo pricing","publisher":"Pleo","url":"https://www.pleo.io/en/pricing","retrievedAt":"2026-08-04"},{"id":"pleo-official-faq-2026-08","type":"official_docs","title":"Pleo FAQ","publisher":"Pleo","url":"https://www.pleo.io/en/faq","retrievedAt":"2026-08-04"}]},{"id":"pleo:multi-entity","productId":"pleo","criterionId":"multi-entity","status":"partial","summary":"Multi-entity management is listed as a Business-tier feature, but the reviewed public pages do not fully document entity limits, consolidation behavior or every regional condition.","sourceIds":["pleo-official-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-04","sources":[{"id":"pleo-official-pricing-2026-08","type":"official_pricing","title":"Pleo pricing","publisher":"Pleo","url":"https://www.pleo.io/en/pricing","retrievedAt":"2026-08-04"}]},{"id":"pleo:accounting-ecosystem","productId":"pleo","criterionId":"accounting-ecosystem","status":"supported","summary":"Pleo states that it supports more than 20 accounting systems, including Xero, QuickBooks and DATEV, and provides customizable CSV export; its integration directory also lists NetSuite and other systems.","sourceIds":["pleo-official-integrations-2026-08","pleo-official-faq-2026-08"],"confidence":"high","observedAt":"2026-08-04","sources":[{"id":"pleo-official-integrations-2026-08","type":"official_integrations","title":"Pleo integrations directory","publisher":"Pleo","url":"https://www.pleo.io/en/integrations","retrievedAt":"2026-08-04"},{"id":"pleo-official-faq-2026-08","type":"official_docs","title":"Pleo FAQ","publisher":"Pleo","url":"https://www.pleo.io/en/faq","retrievedAt":"2026-08-04"}]},{"id":"pleo:regional-availability","productId":"pleo","criterionId":"regional-availability","status":"partial","summary":"Pleo publishes region-specific experiences and pricing, including UK and US pages, but exact country eligibility and feature availability require account- or region-specific confirmation.","sourceIds":["pleo-official-pricing-2026-08","pleo-official-faq-2026-08"],"confidence":"medium","observedAt":"2026-08-04","sources":[{"id":"pleo-official-pricing-2026-08","type":"official_pricing","title":"Pleo pricing","publisher":"Pleo","url":"https://www.pleo.io/en/pricing","retrievedAt":"2026-08-04"},{"id":"pleo-official-faq-2026-08","type":"official_docs","title":"Pleo FAQ","publisher":"Pleo","url":"https://www.pleo.io/en/faq","retrievedAt":"2026-08-04"}]},{"id":"pleo:commercial-model","productId":"pleo","criterionId":"commercial-model","status":"supported","summary":"The UK pricing page shows flat platform subscriptions billed monthly or annually, included users, additional-user fees, plan-based feature access, usage or payment fees and taxes excluded from quoted prices.","sourceIds":["pleo-official-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-04","sources":[{"id":"pleo-official-pricing-2026-08","type":"official_pricing","title":"Pleo pricing","publisher":"Pleo","url":"https://www.pleo.io/en/pricing","retrievedAt":"2026-08-04"}]},{"id":"spendesk:card-program","productId":"spendesk","criterionId":"card-program","status":"supported","summary":"Spendesk lists unlimited physical cards, single-use cards, recurring virtual cards and multi-use cards.","sourceIds":["spendesk-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-02","sources":[{"id":"spendesk-pricing-2026-08","type":"official_pricing","title":"Flexible pricing for companies of all sizes","publisher":"Spendesk","url":"https://www.spendesk.com/pricing/","retrievedAt":"2026-08-02"}]},{"id":"spendesk:expense-capture","productId":"spendesk","criterionId":"expense-capture","status":"supported","summary":"Spendesk documents OCR receipt extraction, automated reminders, receipt matching and reimbursements.","sourceIds":["spendesk-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-02","sources":[{"id":"spendesk-pricing-2026-08","type":"official_pricing","title":"Flexible pricing for companies of all sizes","publisher":"Spendesk","url":"https://www.spendesk.com/pricing/","retrievedAt":"2026-08-02"}]},{"id":"spendesk:accounts-payable","productId":"spendesk","criterionId":"accounts-payable","status":"supported","summary":"Spendesk documents invoice capture, approval routing, two- and three-way purchase-order matching and supplier payments in 100+ countries.","sourceIds":["spendesk-ap-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"spendesk-ap-2026-08","type":"official_product","title":"Spendesk invoice management","publisher":"Spendesk","url":"https://www.spendesk.com/platform/invoice-management/","retrievedAt":"2026-08-07"}]},{"id":"spendesk:spend-controls","productId":"spendesk","criterionId":"spend-controls","status":"supported","summary":"Custom rules, approval workflows and real-time budget monitoring are listed capabilities.","sourceIds":["spendesk-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-02","sources":[{"id":"spendesk-pricing-2026-08","type":"official_pricing","title":"Flexible pricing for companies of all sizes","publisher":"Spendesk","url":"https://www.spendesk.com/pricing/","retrievedAt":"2026-08-02"}]},{"id":"spendesk:multi-entity","productId":"spendesk","criterionId":"multi-entity","status":"supported","summary":"Spendesk lists multi-entity workflows and reporting and a Business add-on for multi-entity management.","sourceIds":["spendesk-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-02","sources":[{"id":"spendesk-pricing-2026-08","type":"official_pricing","title":"Flexible pricing for companies of all sizes","publisher":"Spendesk","url":"https://www.spendesk.com/pricing/","retrievedAt":"2026-08-02"}]},{"id":"spendesk:accounting-ecosystem","productId":"spendesk","criterionId":"accounting-ecosystem","status":"supported","summary":"Spendesk documents a native two-way NetSuite sync for card activity, purchase requests, payments and reconciliation.","sourceIds":["spendesk-netsuite-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"spendesk-netsuite-2026-08","type":"official_integrations","title":"Spendesk NetSuite integration","publisher":"Spendesk","url":"https://www.spendesk.com/integrations/netsuite/","retrievedAt":"2026-08-07"}]},{"id":"spendesk:regional-availability","productId":"spendesk","criterionId":"regional-availability","status":"partial","summary":"Spendesk describes a Europe-regulated platform for multiple entities, currencies and countries; exact card and payment availability still requires country-level validation.","sourceIds":["official-spendesk"],"confidence":"medium","observedAt":"2026-08-07","sources":[{"id":"official-spendesk","type":"official_product","title":"Spendesk official product page","publisher":"Spendesk","url":"https://www.spendesk.com","retrievedAt":"2026-07-31"}]},{"id":"spendesk:commercial-model","productId":"spendesk","criterionId":"commercial-model","status":"supported","summary":"Pricing combines a fixed monthly platform fee with variable transaction fees; users and physical cards are not charged as active-user or monthly-card fees.","sourceIds":["spendesk-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-02","sources":[{"id":"spendesk-pricing-2026-08","type":"official_pricing","title":"Flexible pricing for companies of all sizes","publisher":"Spendesk","url":"https://www.spendesk.com/pricing/","retrievedAt":"2026-08-02"}]},{"id":"payhawk:card-program","productId":"payhawk","criterionId":"card-program","status":"supported","summary":"Cards & Expenses includes spend policies, real-time expense creation and optional Payhawk Visa cards.","sourceIds":["payhawk-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-02","sources":[{"id":"payhawk-pricing-2026-08","type":"official_pricing","title":"Payhawk pricing and plans","publisher":"Payhawk","url":"https://payhawk.com/en-us/pricing-and-plans","retrievedAt":"2026-08-02"}]},{"id":"payhawk:expense-capture","productId":"payhawk","criterionId":"expense-capture","status":"supported","summary":"Payhawk lists mobile expense capture, automatic receipt chasing and reimbursements.","sourceIds":["payhawk-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-02","sources":[{"id":"payhawk-pricing-2026-08","type":"official_pricing","title":"Payhawk pricing and plans","publisher":"Payhawk","url":"https://payhawk.com/en-us/pricing-and-plans","retrievedAt":"2026-08-02"}]},{"id":"payhawk:accounts-payable","productId":"payhawk","criterionId":"accounts-payable","status":"supported","summary":"Bill Payments includes bill management, approvals, vendor verification, scheduled or bulk payments and OCR.","sourceIds":["payhawk-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-02","sources":[{"id":"payhawk-pricing-2026-08","type":"official_pricing","title":"Payhawk pricing and plans","publisher":"Payhawk","url":"https://payhawk.com/en-us/pricing-and-plans","retrievedAt":"2026-08-02"}]},{"id":"payhawk:spend-controls","productId":"payhawk","criterionId":"spend-controls","status":"supported","summary":"Payhawk documents card limits, zero-balance funding requests, multi-step approvals and controls by expense type and merchant category.","sourceIds":["payhawk-controls-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"payhawk-controls-2026-08","type":"official_product","title":"Payhawk spend control","publisher":"Payhawk","url":"https://payhawk.com/spend-control","retrievedAt":"2026-08-07"}]},{"id":"payhawk:multi-entity","productId":"payhawk","criterionId":"multi-entity","status":"supported","summary":"Payhawk lists a multi-entity environment with consolidated master data and settings.","sourceIds":["payhawk-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-02","sources":[{"id":"payhawk-pricing-2026-08","type":"official_pricing","title":"Payhawk pricing and plans","publisher":"Payhawk","url":"https://payhawk.com/en-us/pricing-and-plans","retrievedAt":"2026-08-02"}]},{"id":"payhawk:accounting-ecosystem","productId":"payhawk","criterionId":"accounting-ecosystem","status":"supported","summary":"Payhawk documents direct integrations with NetSuite, Microsoft Dynamics 365, Xero, DATEV and QuickBooks Online.","sourceIds":["payhawk-solution-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"payhawk-solution-2026-08","type":"official_docs","title":"Payhawk spend management and finance orchestration overview","publisher":"Payhawk","url":"https://payhawk.com/help/payhawk-s-spend-management-and-finance-orchestration-solution","retrievedAt":"2026-08-07"}]},{"id":"payhawk:regional-availability","productId":"payhawk","criterionId":"regional-availability","status":"partial","summary":"Payhawk publishes explicit supported-company country lists across the United States, Canada, the United Kingdom and multiple European markets; card features vary by entity.","sourceIds":["payhawk-countries-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"payhawk-countries-2026-08","type":"official_docs","title":"Payhawk supported countries","publisher":"Payhawk","url":"https://payhawk.com/en-us/supported-countries","retrievedAt":"2026-08-07"}]},{"id":"payhawk:commercial-model","productId":"payhawk","criterionId":"commercial-model","status":"supported","summary":"Plans are modular with public starting prices for Travel, Cards & Expenses, Accounts Payable and Procurement; final pricing depends on selected modules and usage factors.","sourceIds":["payhawk-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-02","sources":[{"id":"payhawk-pricing-2026-08","type":"official_pricing","title":"Payhawk pricing and plans","publisher":"Payhawk","url":"https://payhawk.com/en-us/pricing-and-plans","retrievedAt":"2026-08-02"}]},{"id":"sap-concur:card-program","productId":"sap-concur","criterionId":"card-program","status":"supported","summary":"Official materials describe corporate-card or card-connected workflows; issuance, eligibility and controls vary by geography and plan.","sourceIds":["official-sap-concur","sap-concur-integrations-2026-08"],"confidence":"medium","observedAt":"2026-08-02","sources":[{"id":"official-sap-concur","type":"official_product","title":"SAP Concur official product page","publisher":"SAP Concur","url":"https://www.concur.com","retrievedAt":"2026-07-31"},{"id":"sap-concur-integrations-2026-08","type":"official_integrations","title":"SAP Concur integrations","publisher":"SAP Concur","url":"https://www.concur.com/integrations","retrievedAt":"2026-08-02"}]},{"id":"sap-concur:expense-capture","productId":"sap-concur","criterionId":"expense-capture","status":"supported","summary":"Expense management is a named product area with connected data and workflow automation.","sourceIds":["sap-concur-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-02","sources":[{"id":"sap-concur-pricing-2026-08","type":"official_pricing","title":"SAP Concur pricing","publisher":"SAP Concur","url":"https://www.concur.com/about/pricing","retrievedAt":"2026-08-02"}]},{"id":"sap-concur:accounts-payable","productId":"sap-concur","criterionId":"accounts-payable","status":"supported","summary":"SAP Concur explicitly includes AP management and invoice solutions.","sourceIds":["sap-concur-pricing-2026-08","sap-concur-integrations-2026-08"],"confidence":"high","observedAt":"2026-08-02","sources":[{"id":"sap-concur-pricing-2026-08","type":"official_pricing","title":"SAP Concur pricing","publisher":"SAP Concur","url":"https://www.concur.com/about/pricing","retrievedAt":"2026-08-02"},{"id":"sap-concur-integrations-2026-08","type":"official_integrations","title":"SAP Concur integrations","publisher":"SAP Concur","url":"https://www.concur.com/integrations","retrievedAt":"2026-08-02"}]},{"id":"sap-concur:spend-controls","productId":"sap-concur","criterionId":"spend-controls","status":"supported","summary":"Concur Expense policy groups can apply country-specific expense types, limits and rules, with up to five policy groups configured per country.","sourceIds":["sap-concur-policy-groups-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"sap-concur-policy-groups-2026-08","type":"official_docs","title":"Configure policy groups in Concur Expense","publisher":"SAP Concur","url":"https://help.sap.com/docs/concur-expense/concur-expense-standard-edition-administration-help/configure-policy-groups","retrievedAt":"2026-08-07"}]},{"id":"sap-concur:multi-entity","productId":"sap-concur","criterionId":"multi-entity","status":"partial","summary":"Concur Invoice provides country-pack configuration for different country editions, but the reviewed documentation does not establish a single consolidated legal-entity administration model.","sourceIds":["sap-concur-country-packs-2026-08"],"confidence":"medium","observedAt":"2026-08-07","sources":[{"id":"sap-concur-country-packs-2026-08","type":"official_docs","title":"Concur Invoice country-pack configuration","publisher":"SAP Concur","url":"https://help.sap.com/docs/concur-invoice/concur-invoice-standard-edition-administration-guides/configuration","retrievedAt":"2026-08-07"}]},{"id":"sap-concur:accounting-ecosystem","productId":"sap-concur","criterionId":"accounting-ecosystem","status":"supported","summary":"SAP Concur positions its App Center and integrations as connections to existing systems.","sourceIds":["sap-concur-integrations-2026-08"],"confidence":"high","observedAt":"2026-08-02","sources":[{"id":"sap-concur-integrations-2026-08","type":"official_integrations","title":"SAP Concur integrations","publisher":"SAP Concur","url":"https://www.concur.com/integrations","retrievedAt":"2026-08-02"}]},{"id":"sap-concur:regional-availability","productId":"sap-concur","criterionId":"regional-availability","status":"partial","summary":"SAP Concur documents country-specific Expense policy groups and Invoice country packs; exact module, edition and country coverage must be validated.","sourceIds":["sap-concur-policy-groups-2026-08","sap-concur-country-packs-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"sap-concur-policy-groups-2026-08","type":"official_docs","title":"Configure policy groups in Concur Expense","publisher":"SAP Concur","url":"https://help.sap.com/docs/concur-expense/concur-expense-standard-edition-administration-help/configure-policy-groups","retrievedAt":"2026-08-07"},{"id":"sap-concur-country-packs-2026-08","type":"official_docs","title":"Concur Invoice country-pack configuration","publisher":"SAP Concur","url":"https://help.sap.com/docs/concur-invoice/concur-invoice-standard-edition-administration-guides/configuration","retrievedAt":"2026-08-07"}]},{"id":"sap-concur:commercial-model","productId":"sap-concur","criterionId":"commercial-model","status":"partial","summary":"SAP Concur uses quote-based pricing rather than a public self-service price list in the reviewed pricing page.","sourceIds":["sap-concur-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-02","sources":[{"id":"sap-concur-pricing-2026-08","type":"official_pricing","title":"SAP Concur pricing","publisher":"SAP Concur","url":"https://www.concur.com/about/pricing","retrievedAt":"2026-08-02"}]},{"id":"rydoo:card-program","productId":"rydoo","criterionId":"card-program","status":"supported","summary":"Rydoo Cards provides virtual and physical cards on the Business plan and as a Pro add-on, with automatic matching of card transactions to expenses.","sourceIds":["rydoo-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"rydoo-pricing-2026-08","type":"official_pricing","title":"Rydoo pricing plans","publisher":"Rydoo","url":"https://www.rydoo.com/pricing/","retrievedAt":"2026-08-07"}]},{"id":"rydoo:expense-capture","productId":"rydoo","criterionId":"expense-capture","status":"supported","summary":"Rydoo documents receipt scanning, mileage and per-diem claims, mobile expense submission and configurable approval flows.","sourceIds":["rydoo-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"rydoo-pricing-2026-08","type":"official_pricing","title":"Rydoo pricing plans","publisher":"Rydoo","url":"https://www.rydoo.com/pricing/","retrievedAt":"2026-08-07"}]},{"id":"rydoo:accounts-payable","productId":"rydoo","criterionId":"accounts-payable","status":"unknown","summary":"Rydoo’s reviewed plan and integration pages cover employee expenses, reimbursements and cards but do not establish invoice intake, invoice approval and supplier payment as an AP workflow.","sourceIds":["rydoo-pricing-2026-08","rydoo-integrations-2026-08"],"confidence":"medium","observedAt":"2026-08-07","sources":[{"id":"rydoo-pricing-2026-08","type":"official_pricing","title":"Rydoo pricing plans","publisher":"Rydoo","url":"https://www.rydoo.com/pricing/","retrievedAt":"2026-08-07"},{"id":"rydoo-integrations-2026-08","type":"official_integrations","title":"Rydoo integrations","publisher":"Rydoo","url":"https://www.rydoo.com/integrations/","retrievedAt":"2026-08-07"}]},{"id":"rydoo:spend-controls","productId":"rydoo","criterionId":"spend-controls","status":"supported","summary":"Rydoo pricing lists custom approval flows and rules by user, category, group, project and cost centre.","sourceIds":["rydoo-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"rydoo-pricing-2026-08","type":"official_pricing","title":"Rydoo pricing plans","publisher":"Rydoo","url":"https://www.rydoo.com/pricing/","retrievedAt":"2026-08-07"}]},{"id":"rydoo:multi-entity","productId":"rydoo","criterionId":"multi-entity","status":"unknown","summary":"Rydoo documents multi-country policies and compliance, but the reviewed public plan details do not establish consolidated administration across multiple legal entities.","sourceIds":["rydoo-pricing-2026-08"],"confidence":"medium","observedAt":"2026-08-07","sources":[{"id":"rydoo-pricing-2026-08","type":"official_pricing","title":"Rydoo pricing plans","publisher":"Rydoo","url":"https://www.rydoo.com/pricing/","retrievedAt":"2026-08-07"}]},{"id":"rydoo:accounting-ecosystem","productId":"rydoo","criterionId":"accounting-ecosystem","status":"supported","summary":"Rydoo lists QuickBooks, Xero and Exact integrations, with Dynamics 365, NetSuite and SAP add-ons plus API, SFTP and DATEV options on higher plans.","sourceIds":["rydoo-pricing-2026-08","rydoo-integrations-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"rydoo-pricing-2026-08","type":"official_pricing","title":"Rydoo pricing plans","publisher":"Rydoo","url":"https://www.rydoo.com/pricing/","retrievedAt":"2026-08-07"},{"id":"rydoo-integrations-2026-08","type":"official_integrations","title":"Rydoo integrations","publisher":"Rydoo","url":"https://www.rydoo.com/integrations/","retrievedAt":"2026-08-07"}]},{"id":"rydoo:regional-availability","productId":"rydoo","criterionId":"regional-availability","status":"partial","summary":"Rydoo prices plans in EUR, USD and GBP and lists multi-country compliance, while supported contracting entities and card availability are not enumerated country by country.","sourceIds":["rydoo-pricing-2026-08"],"confidence":"medium","observedAt":"2026-08-07","sources":[{"id":"rydoo-pricing-2026-08","type":"official_pricing","title":"Rydoo pricing plans","publisher":"Rydoo","url":"https://www.rydoo.com/pricing/","retrievedAt":"2026-08-07"}]},{"id":"rydoo:commercial-model","productId":"rydoo","criterionId":"commercial-model","status":"supported","summary":"Rydoo lists Essentials from €8 per user/month annually and Pro from €10, with Business and Enterprise sold by custom quote and selected integrations as add-ons.","sourceIds":["rydoo-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"rydoo-pricing-2026-08","type":"official_pricing","title":"Rydoo pricing plans","publisher":"Rydoo","url":"https://www.rydoo.com/pricing/","retrievedAt":"2026-08-07"}]},{"id":"moss:card-program","productId":"moss","criterionId":"card-program","status":"supported","summary":"Moss offers a free Cards plan for three users with unlimited cards; paid plans add unlimited users and advanced card controls.","sourceIds":["moss-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"moss-pricing-2026-08","type":"official_pricing","title":"Moss pricing","publisher":"Moss","url":"https://www.getmoss.com/pricing-plans","retrievedAt":"2026-08-07"}]},{"id":"moss:expense-capture","productId":"moss","criterionId":"expense-capture","status":"supported","summary":"Moss documents reimbursements with AI receipt extraction and automated receipt collection for card transactions.","sourceIds":["moss-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"moss-pricing-2026-08","type":"official_pricing","title":"Moss pricing","publisher":"Moss","url":"https://www.getmoss.com/pricing-plans","retrievedAt":"2026-08-07"}]},{"id":"moss:accounts-payable","productId":"moss","criterionId":"accounts-payable","status":"supported","summary":"Moss AP includes invoice collection, OCR extraction, purchase-order matching and SEPA payments; the free AP plan includes 20 invoices per month.","sourceIds":["moss-pricing-2026-08","moss-faq-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"moss-pricing-2026-08","type":"official_pricing","title":"Moss pricing","publisher":"Moss","url":"https://www.getmoss.com/pricing-plans","retrievedAt":"2026-08-07"},{"id":"moss-faq-2026-08","type":"official_docs","title":"Moss product FAQ","publisher":"Moss","url":"https://www.getmoss.com/en-gb/faq","retrievedAt":"2026-08-07"}]},{"id":"moss:spend-controls","productId":"moss","criterionId":"spend-controls","status":"supported","summary":"Moss paid plans include advanced approval workflows and budgets across cards, invoices, reimbursements and purchase requests.","sourceIds":["moss-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"moss-pricing-2026-08","type":"official_pricing","title":"Moss pricing","publisher":"Moss","url":"https://www.getmoss.com/pricing-plans","retrievedAt":"2026-08-07"}]},{"id":"moss:multi-entity","productId":"moss","criterionId":"multi-entity","status":"supported","summary":"Moss documents one consolidated view across multiple legal entities while retaining entity-specific accounting exports, policies and card programmes.","sourceIds":["moss-faq-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"moss-faq-2026-08","type":"official_docs","title":"Moss product FAQ","publisher":"Moss","url":"https://www.getmoss.com/en-gb/faq","retrievedAt":"2026-08-07"}]},{"id":"moss:accounting-ecosystem","productId":"moss","criterionId":"accounting-ecosystem","status":"supported","summary":"Moss documents exports for DATEV, Exact, Dynamics 365 Business Central, NetSuite, QuickBooks, SAP Business One, Twinfield and Xero, plus an API.","sourceIds":["moss-api-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"moss-api-2026-08","type":"official_docs","title":"Export data using the Moss API","publisher":"Moss","url":"https://help.getmoss.com/en/articles/14595994-export-data-using-the-moss-api","retrievedAt":"2026-08-07"}]},{"id":"moss:regional-availability","productId":"moss","criterionId":"regional-availability","status":"partial","summary":"Moss documents multi-currency European spend operations, but the reviewed pages do not provide a complete country-by-country eligibility list for legal entities and cards.","sourceIds":["moss-faq-2026-08"],"confidence":"medium","observedAt":"2026-08-07","sources":[{"id":"moss-faq-2026-08","type":"official_docs","title":"Moss product FAQ","publisher":"Moss","url":"https://www.getmoss.com/en-gb/faq","retrievedAt":"2026-08-07"}]},{"id":"moss:commercial-model","productId":"moss","criterionId":"commercial-model","status":"supported","summary":"Moss offers separate free Cards and AP entry plans and lists paid spend-management plans from €99 per month with unlimited users, cards and invoices.","sourceIds":["moss-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"moss-pricing-2026-08","type":"official_pricing","title":"Moss pricing","publisher":"Moss","url":"https://www.getmoss.com/pricing-plans","retrievedAt":"2026-08-07"}]},{"id":"soldo:card-program","productId":"soldo","criterionId":"card-program","status":"supported","summary":"Soldo offers physical, virtual, temporary virtual and fuel cards, with plan allowances ranging from three cards to unlimited cards.","sourceIds":["soldo-pricing-2026-08","soldo-cards-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"soldo-pricing-2026-08","type":"official_pricing","title":"Soldo Pricing","publisher":"Soldo","url":"https://www.soldo.com/en-gb/pricing/","retrievedAt":"2026-08-07"},{"id":"soldo-cards-2026-08","type":"official_product","title":"Soldo company cards","publisher":"Soldo","url":"https://www.soldo.com/en-gb/product/payment-cards/company-card/","retrievedAt":"2026-08-07"}]},{"id":"soldo:expense-capture","productId":"soldo","criterionId":"expense-capture","status":"supported","summary":"Soldo documents mobile receipt capture, OCR matching, expense reports and employee reimbursements.","sourceIds":["soldo-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"soldo-pricing-2026-08","type":"official_pricing","title":"Soldo Pricing","publisher":"Soldo","url":"https://www.soldo.com/en-gb/pricing/","retrievedAt":"2026-08-07"}]},{"id":"soldo:accounts-payable","productId":"soldo","criterionId":"accounts-payable","status":"unknown","summary":"Soldo pricing documents transfers and fuel-invoice reconciliation, but the reviewed material does not establish invoice intake, approval and supplier payment as a complete AP workflow.","sourceIds":["soldo-pricing-2026-08"],"confidence":"medium","observedAt":"2026-08-07","sources":[{"id":"soldo-pricing-2026-08","type":"official_pricing","title":"Soldo Pricing","publisher":"Soldo","url":"https://www.soldo.com/en-gb/pricing/","retrievedAt":"2026-08-07"}]},{"id":"soldo:spend-controls","productId":"soldo","criterionId":"spend-controls","status":"supported","summary":"Soldo documents wallet and card limits, approval workflows, expense policies and merchant- or geography-based card controls.","sourceIds":["soldo-pricing-2026-08","soldo-cards-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"soldo-pricing-2026-08","type":"official_pricing","title":"Soldo Pricing","publisher":"Soldo","url":"https://www.soldo.com/en-gb/pricing/","retrievedAt":"2026-08-07"},{"id":"soldo-cards-2026-08","type":"official_product","title":"Soldo company cards","publisher":"Soldo","url":"https://www.soldo.com/en-gb/product/payment-cards/company-card/","retrievedAt":"2026-08-07"}]},{"id":"soldo:multi-entity","productId":"soldo","criterionId":"multi-entity","status":"supported","summary":"Soldo lists multi-entity setup on its Unlimited plan together with unlimited wallets, users and cards.","sourceIds":["soldo-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"soldo-pricing-2026-08","type":"official_pricing","title":"Soldo Pricing","publisher":"Soldo","url":"https://www.soldo.com/en-gb/pricing/","retrievedAt":"2026-08-07"}]},{"id":"soldo:accounting-ecosystem","productId":"soldo","criterionId":"accounting-ecosystem","status":"supported","summary":"Soldo lists integrations with Xero, QuickBooks Online, Sage Intacct, Exact, DATEV, NetSuite and Microsoft Dynamics 365.","sourceIds":["soldo-pricing-2026-08","soldo-integrations-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"soldo-pricing-2026-08","type":"official_pricing","title":"Soldo Pricing","publisher":"Soldo","url":"https://www.soldo.com/en-gb/pricing/","retrievedAt":"2026-08-07"},{"id":"soldo-integrations-2026-08","type":"official_integrations","title":"Soldo integrations and accounting connections","publisher":"Soldo","url":"https://www.soldo.com/en-gb/integrations/","retrievedAt":"2026-08-07"}]},{"id":"soldo:regional-availability","productId":"soldo","criterionId":"regional-availability","status":"partial","summary":"Soldo supports GBP, EUR and USD wallets plus SEPA and Faster Payments transfers; the reviewed pricing page does not enumerate every eligible legal-entity country.","sourceIds":["soldo-pricing-2026-08"],"confidence":"medium","observedAt":"2026-08-07","sources":[{"id":"soldo-pricing-2026-08","type":"official_pricing","title":"Soldo Pricing","publisher":"Soldo","url":"https://www.soldo.com/en-gb/pricing/","retrievedAt":"2026-08-07"}]},{"id":"soldo:commercial-model","productId":"soldo","criterionId":"commercial-model","status":"supported","summary":"Soldo lists Standard at £21 per month plus VAT, Plus at £33, and an Unlimited tier sold by quote, with distinct wallet, user, card and transfer allowances.","sourceIds":["soldo-pricing-2026-08"],"confidence":"high","observedAt":"2026-08-07","sources":[{"id":"soldo-pricing-2026-08","type":"official_pricing","title":"Soldo Pricing","publisher":"Soldo","url":"https://www.soldo.com/en-gb/pricing/","retrievedAt":"2026-08-07"}]}],"findings":[{"id":"card-led-spend-control","title":"Card-led spend control","summary":"All nine products document card and spend-control capabilities, but the evidence describes different regional scopes and operating models rather than a single interchangeable card program.","observationIds":["ramp:card-program","ramp:spend-controls","brex:card-program","brex:spend-controls","pleo:card-program","pleo:spend-controls","spendesk:card-program","spendesk:spend-controls","payhawk:card-program","payhawk:spend-controls","sap-concur:card-program","sap-concur:spend-controls","rydoo:card-program","rydoo:spend-controls","moss:card-program","moss:spend-controls","soldo:card-program","soldo:spend-controls"],"limitation":"Documented support does not establish identical underwriting, card issuance, merchant controls or country availability; buyers must validate the exact legal entity and program."},{"id":"international-operations","title":"Multi-entity and international operations","summary":"Brex, Spendesk, Payhawk, Moss and Soldo have supported multi-entity evidence; Pleo, Ramp and SAP Concur retain material scope constraints, while Rydoo remains unknown on consolidated legal-entity administration.","observationIds":["brex:multi-entity","spendesk:multi-entity","payhawk:multi-entity","ramp:multi-entity","pleo:multi-entity","sap-concur:multi-entity","rydoo:multi-entity","moss:multi-entity","soldo:multi-entity","brex:regional-availability","payhawk:regional-availability"],"limitation":"Public documentation cannot substitute for entity-by-entity contracting, card issuance, tax, currency and data-residency validation in the buyer's countries."},{"id":"reimbursement-workflows","title":"Reimbursement-heavy workflows","summary":"Every included product documents expense-capture workflows, making process details such as receipt intake, mileage, approvals and reimbursement geography more decision-relevant than a binary feature claim.","observationIds":["ramp:expense-capture","brex:expense-capture","pleo:expense-capture","spendesk:expense-capture","payhawk:expense-capture","sap-concur:expense-capture","rydoo:expense-capture","moss:expense-capture","soldo:expense-capture"],"limitation":"The benchmark does not time individual workflows or validate local tax treatment, mobile usability, reimbursement speed or employee adoption in a live environment."},{"id":"accounts-payable-consolidation","title":"Accounts-payable consolidation","summary":"Brex, Pleo, Spendesk, Payhawk, SAP Concur and Moss document invoice-to-payment capabilities; Ramp is partial, while Rydoo and Soldo remain unknown because reviewed evidence does not establish a complete AP workflow.","observationIds":["pleo:accounts-payable","payhawk:accounts-payable","sap-concur:accounts-payable","rydoo:accounts-payable","moss:accounts-payable","soldo:accounts-payable","ramp:accounts-payable","brex:accounts-payable","spendesk:accounts-payable"],"limitation":"Supported status does not prove equivalent invoice capture, purchase-order matching, payment rails, approval depth or supplier coverage across plans and regions."},{"id":"accounting-and-erp-fit","title":"Accounting and ERP fit","summary":"All nine products publish accounting or ERP integration evidence, so buyers should compare the required system, field mapping and reconciliation depth instead of relying on integration counts alone.","observationIds":["ramp:accounting-ecosystem","brex:accounting-ecosystem","pleo:accounting-ecosystem","spendesk:accounting-ecosystem","payhawk:accounting-ecosystem","sap-concur:accounting-ecosystem","rydoo:accounting-ecosystem","moss:accounting-ecosystem","soldo:accounting-ecosystem"],"limitation":"An official integration listing does not demonstrate configuration effort, two-way synchronization, custom-field coverage, implementation quality or compatibility with a buyer's edition."}],"limitations":["This is a public-evidence benchmark, not hands-on testing, a security audit, legal advice or a substitute for a product trial and contract review.","Pricing, card issuance, regional availability, integrations and plan entitlements change quickly and must be reconfirmed with each vendor for the buyer's date, entity and edition.","Supported status records documented scope, not feature quality, implementation effort, service reliability or user satisfaction.","Unknown means insufficient reviewed evidence and must not be interpreted as an absent capability."],"revisions":[{"version":"1.0.0","date":"2026-08-07","summary":"Initial publication of the corporate expense software benchmark.","changes":["Published a fixed nine-product, eight-dimension evidence snapshot.","Added five conditional decision views without an overall score or generic winner.","Documented the Airbase exclusion, methodology, limitations and license."]},{"version":"1.1.0","date":"2026-08-07","summary":"Deepened 39 benchmark observations with product-specific public evidence and stricter publication quality controls.","changes":["Replaced generic capability summaries with concrete product, workflow, integration, plan and regional evidence.","Changed unsupported inferences to unknown where public evidence does not establish accounts-payable or multi-entity scope.","Removed the previously described but unavailable reader-submission process from the methodology contract and public surfaces.","Kept the benchmark scope unchanged at nine products, eight dimensions and 72 observations."]}],"downloads":{"json":"/research/expense-management-benchmark.json","csv":"/research/expense-management-benchmark.csv"},"citation":"Corporate Expense Software Benchmark 2026. OpenCompare Research, 2026, version 1.1.0, published 2026-08-07. https://opencompare.net/research/expense-management-benchmark"}