Top Expense Management Platforms with Integrated Corporate Cards

The best platform is the one that joins card spending to receipts and your accounting system without creating another month-end job. Moss is the natural fit for a small Xero team, Payhawk for layered approvals, Soldo for prepaid budgets and Wallester for issuing large numbers of cards. Choose by team size and accounting setup before price, or the saving can disappear into manual exports and subscriptions for features nobody uses.

We checked the card networks, named integrations and published pricing for Moss, Payhawk, Soldo and Wallester against each provider’s own pricing page on 25 August 2026. We read Wallester’s pricing again on 6 October 2026 and found that it now lists accounting integrations on the free plan as well as the paid ones.

What to Look for in an Expense Management Platform

Start with your accounting software and approval process, then compare price. A low monthly fee saves little if the plan cannot send coded transactions into your books or give the right people control over spending. The useful test is whether each platform handles the following jobs in the way your team needs.

• Card types. Does it issue both physical and virtual cards, and can you spin up a virtual card instantly and lock it to one supplier or project?
• Spend controls. Can you set limits per card, per category and per time period, and block whole categories of merchant?
• Accounting integrations. Does it push transaction-level detail, meaning VAT codes and nominal mapping, into your accounting software, or only summary totals? And which plan is that integration actually on?
• Reporting. Can you slice spend by team, project, cost centre or supplier without manual exports at month-end?
• Pricing model. Is it charged per user, per card, on transaction volume, or as a flat monthly fee, and what sits behind a paid tier?
• Receipt capture and approval. How does it chase missing receipts, and can you configure sign-off by more than one person?

Accounting integration is where the money hides. Every platform here will tell you it integrates with Xero, and all four genuinely do. What matters is whether that integration sits on the plan you were planning to buy, and on two of these four it does not.

Moss: Spend Management with a UK SME Focus

Moss suits a small or mid-sized business that keeps its books in Xero and wants tighter card controls without the setup burden of a platform built for several companies. The German-founded platform is available to UK firms, but its focus remains SMEs rather than multi-entity groups.

You get physical and virtual Mastercard cards issued through Transact Payments. A virtual card can be created from the dashboard and locked to a supplier, a project or a person, with its own limit and its own category blocks. Receipt capture runs through the mobile app, so your employee photographs the receipt, Moss matches it to the transaction, and anything still unmatched is flagged before you close the month.

The Xero integration is the reason to pick Moss over the others, and we put it ahead for the detail it sends into your books. VAT codes and nominal mapping move across with the transaction, rather than arriving as a lump sum in a suspense account and turning a ten-minute reconciliation into an afternoon’s manual repair job. Moss also connects to Exact Online, and to staff-management tools such as Personio and BambooHR.

Pricing is where Moss asks for patience. You can start on a free plan for the card module or the accounts-payable module, but Moss says limitations apply without numbering them, and it lists the accounting integrations and unlimited users under its paid plans. So the Xero link that makes Moss worth choosing is a paid feature.

Beyond the free plans, Moss does not publish a price at all. You pay a single platform fee based on the transaction volume you expect, with no per-user charge, and you have to book a call to find out what that fee is. Foreign spending converts at the Mastercard rate with 2% added by the card issuer.

Moss is the right answer for a UK SME that wants one clean system and files in Xero. It is the wrong answer if you have several legal entities to consolidate, or if you need to know the price before you talk to a salesperson.

Payhawk: Enterprise-Grade Controls for Growing Businesses

Pick Payhawk when your finance policy needs more than one person to sign off before money leaves the business. It is built for mid-market and scaling teams, issues Visa corporate cards in both physical and virtual form, and puts expense management, invoice management and accounts payable in a single platform rather than three.

We put Payhawk ahead of the SME-focused platforms here on approval depth. You can configure approval chains by transaction amount, by department or by cost centre, and stack them, so a GBP 200 taxi goes through on its own while a GBP 20,000 supplier invoice collects two signatures on the way out. Most of the rivals here assume a single approver and leave you to police the rest by email.

Payhawk connects to Xero, QuickBooks Online and Exact Online as standard, with NetSuite and Microsoft Dynamics 365 available as advanced add-ons rather than included in the base platform. It also carries the lowest currency mark-up of the four at 0.3% on four major currencies (EUR, GBP, USD, CHF), and 0.7% on others such as DKK and PLN, which will matter more than the subscription if your team spends abroad regularly.

Pricing is mostly quoted rather than published. The one exception is the Growth Program at GBP 149 a month, for UK and European businesses with fewer than 20 employees. Above that headcount you are into a quote based on users and modules, and it generally lands above the SME-focused rivals. Payhawk earns that premium once you have several entities or a real accounts-payable process to run. Below about 20 people it is more platform than most businesses will ever use.

Soldo: Prepaid Cards with Category Management

Go with Soldo if you would rather stop overspending before it happens than discover it afterwards. One of the longer-established UK platforms, it issues prepaid Mastercard cards against wallets you pre-load, so your team can only spend what has been allocated to them and you watch the balance move in real time.

The pre-spend controls are the product rather than a feature of it. Category blocks, spending rules and per-card budgets are quick to set and quick to change, and team wallets let a group of cards draw on one shared budget, which suits a project or a department far better than giving everybody their own limit. You can sync to Xero, QuickBooks and Sage with automated VAT-code mapping, and receipts are captured in the app.

Soldo publishes its prices, which after Moss and Payhawk comes as a relief. Standard is GBP 27 a month plus VAT and Plus is GBP 39 a month plus VAT. Read the allowances before the headline, though, because both of those tiers cap you at three users and three cards. Three cards is the limit that matters here, not the twenty-seven pounds. A fourth person means the Unlimited plan, and Unlimited is priced on request. Spending in another currency converts at the Mastercard exchange rate plus a conversion fee, and Soldo does not give that figure on its pricing page.

One thing Soldo does not put on its pricing page is what a card costs to issue, or what a cash withdrawal costs. Both sit in a separate fee summary: GBP 5 for a plastic card, GBP 1 for a virtual one, and 1% of a cash withdrawal with a GBP 2 minimum. On a plan that caps you at three cards, those costs are not a rounding error, and Soldo makes you go looking for them.

Soldo is the pick for field teams and departments that need ring-fenced budgets, because the money simply is not there to overspend. It is a poor fit for a team of six who each need a card, where the three-card cap pushes you onto a plan nobody will quote you until you ask.

Wallester: Flexible Card Issuance

Wallester suits teams that need large numbers of cards without a monthly subscription. Its permanent free plan includes 300 virtual Visa cards and unlimited physical cards, making it particularly useful for a marketing team assigning one card to each ad account or an agency separating spending by client.

Physical cards are free to issue on every plan, including the free one. You pay EUR 5 for standard delivery or EUR 20 for express, which is a postage charge rather than a card fee. The distinction is worth holding onto, because most of this market charges you for the card itself as well as the subscription. Beyond the 300 included virtual cards you pay EUR 0.35 a month each, falling to EUR 0.20 on Premium and EUR 0.10 on Platinum.

The paid plans are mostly buying card volume. Premium is EUR 199 a month for 3,000 virtual cards and Platinum is EUR 999 for 18,000, with an Enterprise tier quoted individually. Wallester Business also runs white-label card programmes alongside the standard product, which is why fintechs embedding card issuance turn up here alongside ordinary businesses.

Wallester’s accounting integrations are no longer a reason to rule it out. Its integrations page names Xero, QuickBooks, NetSuite and Sage Intacct, and when we read its pricing page on 6 October 2026 it listed accounting integrations on the free plan as well as the paid ones. An earlier version of this page put them on Premium and above only, and that is no longer what Wallester publishes.

That changes the sums. On the published plans, the free tier gives you the cards and the accounting link together, and Premium at EUR 199 a month mainly buys more virtual cards and detailed analytics. Wallester does say some integrations are still being added, so make sure your own accounting package is on its list before you build a month-end around it.

The other number to watch is currency conversion, which runs at the Visa exchange rate plus 2% whenever you spend in a currency you do not already hold. Wallester lets you hold GBP, EUR and USD along with seven other currencies, so holding the right one avoids the charge altogether. Spend GBP 10,000 a month in currencies you do not hold and that 2% costs you GBP 200, which is more than the Premium subscription you were trying to avoid paying.

How the Platforms Compare

Read the pricing column against the allowances sitting next to it rather than on its own. Soldo looks the cheapest of the paid options at GBP 27, and it is, right up until the fourth person needs a card. Wallester looks the most expensive at EUR 199, but its free plan already covers 300 virtual cards, so for a business issuing thirty cards we make it comfortably the cheapest thing here.

Other Platforms Worth Considering

Pleo, Capital on Tap, Airwallex, Revolut Business and Ramp solve different problems from the four platforms in the main comparison. They sit outside our pricing analysis because the check completed on 5 October 2026 covered Moss, Payhawk, Soldo and Wallester. The useful distinction here is therefore what each alternative does, not an unverified price comparison.

Pleo is the one to look at if adoption is your worry rather than control. It issues Mastercard cards, and its reputation rests on an app people will actually use, which matters more than it sounds when your VAT reclaim depends on employees photographing receipts. Capital on Tap is a different animal: a Visa business credit card with cashback rather than an expense platform, so you get a credit line and rewards but not the controls or the receipt workflow described above.

Airwallex earns its place if a real share of your spending is in another currency, because it pairs multi-currency accounts with corporate cards and you can hold the currency rather than convert every time. Revolut Business puts banking and cards in one place, which suits a team that would rather not run an account and a card platform side by side. Ramp runs a free tier funded by interchange and focuses on automated spend controls, though its UK availability has been catching up with its US product rather than matching it.

Final Verdict

For most UK SMEs filing in Xero, Moss offers the best balance of card control and useful accounting detail. Its integration carries VAT codes and nominal mapping instead of sending a lump sum into a suspense account, which is the difference that will matter at month-end. Moss lists that link on its paid plans only, so the reason to choose Moss is a paid feature. The trade-off is opaque pricing: Moss publishes no paid price, so you have to ask it for a quote.

Soldo is the right call when stopping the spend matters more than accounting depth. The GBP 27 a month is predictable and published, and we rate that a real advantage when Moss and Payhawk both make you ask. The per-card budget model suits field teams better than approving things after the event. Check the three-card cap against your headcount before you get attached to the price.

Payhawk fits from about 20 employees upward, where you need approval chains, several entities, and a wider accounting stack. The broader feature set carries a higher price and a longer implementation, and below that headcount you are paying for machinery you will not switch on.

Wallester is the better fit when card volume matters most. It now names Xero, QuickBooks, NetSuite and Sage Intacct among its integrations, and its pricing page lists accounting integrations on the free plan as well as the paid ones.

That leaves its free card allowance difficult to beat. Premium at EUR 199 a month earns its place once you need more than 300 virtual cards or the detailed analytics, not before.

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