Expend is More Than a Card Product
Expend is a fully fledged expense management suite. Think of us similar to a swiss army knife; giving you the choice to use the correct tool for your business.
£0 Setup and No Hidden Fees
Expend has simple price plans with a low monthly fee. We stay away from complicated charges to help you understand your business cashflow much easier.
All Features Included
We believe that all customers should have the best possible experience when using Expend. So, we include ALL of our key features as standard with all plans.
Expense Cards | Expend Essential | Payhawk Premium | |
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Card budget limits per day / week |
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Recurring monthly budget limits |
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Able to connect external Visa or Mastercard bank cards | X |
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Google Pay and Apple Pay |
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Automatic creation of expenses in real time after every payment |
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One click issuing and freezing of cards |
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ATM withdrawal control |
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Online payments control |
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Expense Management and Automation | Expend Essential | Payhawk Premium | |
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Receipt collection prompts |
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Real-time automated expense reconciliation |
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Receipt mailbox for automated expense matching |
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Push and email reminders for missing documents |
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Split expense into line items | X |
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Mileage capture | X |
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Out of pocket reimbursements | X |
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Expense field management | X |
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Auto-categorisation of expense categories | X |
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Mobile App | Expend Essential | Payhawk Premium | |
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User friendly mobile app for expense, card and user management |
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In-app AI powered receipt camera |
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Approve or reject expenses in the app | X |
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Accounting Automation | Expend Essential | Payhawk Premium | |
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Xero and QuickBooks accounting software integrations | Paid add on |
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Category mapping to chart of accounts |
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Customer Support | Expend Essential | Payhawk Premium | |
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Live Chat, email and help guides |
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Dedicated Account Manager | X |
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Pricing | Expend Essential | Payhawk Premium | |
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Simple, clear pricing | X |
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Monthly price | From £33 for 3 users | Not disclosed. £149 per month for maximum 10 users on Growth Plan (if your business has under 50 employees). Only available for 2 years then must move to another paid plan (undisclosed pricing). |
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Expend vs Pleo at a glance
Expense Management
Introducing Expend - the best way to keep track of business expenses.
Our smart software simplifies the complex task of recording, monitoring and controlling business expenses, for every department in the company.
From managing employee spending to tracking mileage for taxes, and with accounting integrations for finance teams to view spending - we handle everything.
Expend Mastercards
Track employee spending with Expend Mastercards for their business expenses.
Retain control of spending while providing flexibility, with customisable budgets for each employee Mastercard and real-time tracking for reporting. Employees love Expend cards as it removes the need for them to pay out of their own pocket for business expenses!
Our cards can be used worldwide anywhere that Mastercard is accepted - in stores, online, and at ATM machines - and the FX rate can be as low as 0%, depending on the Expend account type.
Card Connect™
Our Card Connect™ feature allows real time transaction data from Visa and Mastercard business bank cards into the Expend platform, too.
This is revolutionary for businesses! It means admins can view all business expense transactions across the company - whether expenses are paid for on an Expend card, or an alternative business bank card - and employees can view all of their expenses in their Expend app, ready to add receipts.
Business bank cards can be connected to Expend in a few simple steps, and whether you're using Expend cards or connecting your Mastercard and Visa Business Cards to our platform, we employ cutting-edge bank-level encryption to safeguard your data across the entire platform.
Multi-Stop Business Travel Tracker
Employees can use our simple mileage tracker to submit mileage claims in the app, in seconds. All we need to know is where they started their trip and where they end up, and we’ll do all the bits in between.
Business travel reports can also be split into multiple legs of a journey. Visiting multiple clients in one day? Assign each leg to a client, add notes or job numbers, with the option to rebill clients too.
Bring company-wide expenses into one connected platform
Spend is controlled, captured, approved and ready for accounting
What is Payhawk?
Payhawk is a comprehensive spend management platform powered by fully regulated and cutting-edge global banking and payment technology, designed for multi-national businesses. It combines company cards, international bank payments, accounts payable with purchase orders, expense management, bank accounts in dedicated currencies and leading integrations with your ERP and accounting software into one system.
What are the key differences between Expend and Payhawk?
Expend offers a more accessible and user-friendly solution for small to medium-sized businesses (SMBs) compared to Payhawk. With tools for tracking expenses, mileage, and invoices, seamless integration with platforms like Xero and QuickBooks, and affordable pricing, Expend simplifies expense management without unnecessary complexity. While Payhawk targets larger enterprises with advanced features, Expend’s straightforward approach and cost-effectiveness make it the better choice for SMBs looking for an easy-to-use, scalable solution.
Can Expend connect existing business cards?
Yes. Card Connect™ lets eligible Visa and Mastercard business cards connect to Expend. This helps finance teams keep existing cards while improving receipt capture, transaction visibility and reconciliation.
Are Expend cards secure?
Yes! Flexible safety controls enable unique security settings to be configured for each employee’s Expend card, such as enabling or disabling online transactions, ATM cash withdrawals and magstripe transactions.
Merchant blocks can also be added, for example to block spending in pubs and bars. Expend cards are 3D secure and can be instantly disabled within the mobile app, if misplaced. Read more about Expend's security measures here.