The Buckingham Capital Consulting Expense Cards and Spend Management Index.

Overall

The mean of the 3 segment scores.

For startups and small firms

Weighted to published pricing and spend controls: a known monthly cost and simple rules from day one.

For mid-market and multi-country groups

Weighted to global reach, coverage and integration: local cards, several entities and a connection to the ERP.

For regulated financial firms

Weighted to regulatory standing and integration: payment, e-money and crypto firms buying for their own staff must show who issues the cards and how spend is recorded.

Weights by segment

What each score means

Score out of 100 is the sum of each criterion score divided by five and multiplied by its weight. The overall ranking is the mean of the segment scores. Ties are broken by product coverage, then regulatory standing. A provider that does not publish a price is scored as though the price were high, because a business cannot plan on an unpublished price. Prices are scored on the standard published rate, never an introductory, promotional or "from" rate, and a figure counts only when it appears on a pricing, fee or terms page rather than in a marketing line. A provider that serves one country only is scored on access for that country, and the limitation is printed in its profile.

Airwallex

A global business account with company and employee cards, expenses, reimbursements and bill pay. It publishes plan prices and per-user fees, card issuing in more than 40 markets, ERP connections and an API, and its own FCA e-money licence. Travel booking is not part of the product.

• Product coverage: 4/5. Cards, reimbursements, bill pay and procurement published; no travel booking.
• Published pricing: 5/5. Monthly plan prices and per-user fees published for two plans.
• Global reach: 5/5. Card issuing in 40+ markets published.
• Integration: 5/5. NetSuite and Business Central plus a published API.
• Regulatory standing: 5/5. Own FCA e-money licence with FRN, and SOC 2.
• Spend controls: 5/5. Card limits, approvals and automatic receipt matching published.

Facts read on 26 October 2026 from: www.airwallex.com, www.airwallex.com.

Brex

A corporate card and spend platform covering expenses, reimbursements, bill pay and travel, now a subsidiary of Capital One. It publishes per-user prices for two plans, local-currency cards in more than 50 countries, named card issuers and a money transmitter licence, and SOC 1 and SOC 2 Type II.

• Product coverage: 5/5. Cards, reimbursements, bill pay, travel and a procurement card published.
• Published pricing: 5/5. Per-user prices published for two plans.
• Global reach: 5/5. Local-currency cards in 50+ countries published.
• Integration: 4/5. ERP integrations and an API published; ERP systems not named on the pricing page.
• Regulatory standing: 5/5. Named issuing banks, money transmitter licence number and SOC 2 Type II.
• Spend controls: 4/5. Spend limits, merchant controls and approvals published; receipt capture not confirmed on the pages read.

Facts read on 26 October 2026 from: www.brex.com, www.brex.com, www.brex.com.

Ramp

A corporate card and finance platform covering expenses, travel, bill pay and procurement. It publishes plan prices, the widest list of ERP connections in this edition, named card issuers in the US, Canada, UK and EEA, and SOC 2 Type II. The Plus plan adds a platform fee that is not published.

• Product coverage: 5/5. Cards, reimbursements, bill pay, travel booking and procurement all published.
• Published pricing: 4/5. Per-user prices published, but the Plus platform fee is not.
• Global reach: 5/5. Local-currency card issuing in 30+ countries published.
• Integration: 4/5. Named ERP connections published; a developer API not confirmed on the pages read.
• Regulatory standing: 5/5. Named issuers with regulator and reference numbers, and SOC 2 Type II.
• Spend controls: 5/5. Limits, merchant controls, approvals and automatic receipt capture all published.

Facts read on 26 October 2026 from: ramp.com, ramp.com, ramp.com.

Soldo

A prepaid company card and expense platform with wallets for team budgets. It publishes monthly plan prices, its own FCA and Central Bank of Ireland regulated issuers, ISO/IEC 27001 and PCI DSS Level 1. It does not offer bill pay software, travel booking or procurement.

• Product coverage: 2/5. Cards and reimbursement transfers published; no bill pay software, travel or procurement.
• Published pricing: 5/5. Monthly prices and inclusions published for two plans.
• Global reach: 3/5. Local issuing in the UK and EEA; no country count.
• Integration: 4/5. Accounting and SAP Concur connections; no API confirmed on the pages read.
• Regulatory standing: 5/5. Own FCA and Central Bank of Ireland regulated issuers, ISO 27001 and PCI DSS Level 1.
• Spend controls: 5/5. Budgets, permissions, receipt capture and approval workflows published.

Facts read on 26 October 2026 from: www.soldo.com, www.soldo.com.

Spendesk

A spend management platform with unlimited cards and users, reimbursements, and add-ons for accounts payable and procurement. It publishes its own French payment institution licence, its UK and US issuing partners and ISO 27001:2022, plus an open API. Prices are quoted only.

• Product coverage: 4/5. Cards, reimbursements, bill pay and procurement published; no travel booking.
• Published pricing: 1/5. Pricing model described with no figures.
• Global reach: 3/5. 35+ countries served; local issuing in Europe and the US.
• Integration: 5/5. Accounting, ERP and HRIS connections and an open API published.
• Regulatory standing: 5/5. Own ACPR licence with number, named partners and ISO 27001:2022.
• Spend controls: 5/5. Card types, receipt rules, budgets and approval workflows published.

Facts read on 26 October 2026 from: www.spendesk.com, www.spendesk.com, www.spendesk.com.

Moss

A European spend platform with corporate cards, reimbursements and accounts payable, plus procurement as an add-on. It holds its own BaFin e-money licence, ISO 27001:2022 and SOC 2, and hosts data in the EU. Prices are quoted from a platform fee and transaction volume, with no figures.

• Product coverage: 4/5. Cards, reimbursements, bill pay and procurement published; no travel booking.
• Published pricing: 2/5. Free start for one module stated; paid prices not published.
• Global reach: 2/5. European customers only; no country count.
• Integration: 4/5. 50+ tools and native ERP connections; no API confirmed on the pages read.
• Regulatory standing: 5/5. Own BaFin licence with number, ISO 27001:2022 and SOC 2.
• Spend controls: 5/5. Card controls, approvals and automatic receipt fetching published.

Facts read on 26 October 2026 from: www.getmoss.com, www.getmoss.com.

Payhawk

A spend platform covering cards, expenses, bill payments, travel and procurement, with its own issuing entities in the UK and EEA. It publishes the widest ERP connections in this edition and ISO 27001, SOC 2 and PCI DSS Level 1. Prices are published only as "starting at" figures.

• Product coverage: 5/5. Cards, reimbursements, bill pay, travel and procurement all published.
• Published pricing: 0/5. "Starting at" prices only, which the method does not count.
• Global reach: 3/5. Local issuing in the UK, EEA and US; no country count.
• Integration: 5/5. Named ERP connections and an API published.
• Regulatory standing: 5/5. Named issuing entities and bank, ISO 27001 and SOC 2; licence numbers not on the pages read.
• Spend controls: 4/5. Policies, approvals and receipt chasing published; merchant blocks not confirmed.

Facts read on 26 October 2026 from: payhawk.com, payhawk.com, payhawk.com.

Pleo

A company card and expense platform with reimbursements and accounts payable. It publishes the most detailed price list in this edition, including payment and foreign exchange fees, and its own FCA e-money licence. It does not offer travel booking or procurement, and certifications were not found on the pages read.

• Product coverage: 3/5. Cards, reimbursements and bill pay published; no travel booking or procurement.
• Published pricing: 5/5. Per-user prices, minimums and fees published for three plans.
• Global reach: 2/5. European customers only; no country count.
• Integration: 3/5. Xero and NetSuite connections; no API confirmed on the pages read.
• Regulatory standing: 3/5. Own FCA e-money licence with FRN; certifications not found on the pages read.
• Spend controls: 5/5. Limits, category blocks, approvals and receipt chasing all published.

Facts read on 26 October 2026 from: www.pleo.io, www.pleo.io, www.pleo.io.

Mesh

A corporate card and spend platform covering cards, accounts payable, expenses, procurement payments and travel. It publishes a per-user price for its Premium plan and a free plan for up to three users, and names its card issuer. Certifications and integration details were not found on the pages read.

• Product coverage: 5/5. Cards, reimbursements, bill pay, travel and procurement all published.
• Published pricing: 4/5. Premium per-user price published; Pro priced only up to three users.
• Global reach: 3/5. 140+ countries served; local issuing countries not published.
• Integration: 2/5. Categories listed; no named ERP or API.
• Regulatory standing: 3/5. Named issuing bank; certifications not found.
• Spend controls: 2/5. Card controls stated without detail.

Facts read on 26 October 2026 from: www.meshpayments.com, www.meshpayments.com.

Aspire

A Singapore-based business account with corporate cards, expenses, reimbursements, bills and budgets. It publishes plan prices and per-user fees, and multi-currency accounts in eight currencies. It operates under a temporary exemption from licensing in Singapore rather than a full licence.

• Product coverage: 4/5. Cards, reimbursements, bills and procurement published; no travel booking.
• Published pricing: 5/5. Monthly prices and per-user fees published for two plans.
• Global reach: 3/5. 130+ countries for transfers; local accounts in eight currencies.
• Integration: 2/5. API listed; accounting connections not named on the pages read.
• Regulatory standing: 1/5. Temporary exemption from licensing stated; no certifications found.
• Spend controls: 4/5. Card controls, approvals and budgets published; receipt capture not confirmed.

Facts read on 26 October 2026 from: aspireapp.com.

Volopay

A corporate card, expense and accounts payable platform with a multi-currency wallet. It publishes ISO 27001, SOC 2 and its US payment partner's licence, and connections to accounting systems used in Asia. Prices are not published.

• Product coverage: 4/5. Cards, reimbursements, bill pay and procurement published; no travel booking.
• Published pricing: 0/5. Not published.
• Global reach: 3/5. Payouts to 130+ countries; local card issuing countries not published.
• Integration: 4/5. NetSuite and regional accounting systems; no API confirmed.
• Regulatory standing: 5/5. Named licensed partner with NMLS number, SOC 2 and ISO 27001.
• Spend controls: 2/5. Approvals and roles published; limits and receipt capture not confirmed.

Facts read on 26 October 2026 from: www.volopay.com, www.volopay.com.

Navan

A business travel and expense platform. It publishes that travel is free for firms of up to 300 employees and a per-user expense price after five users. It does not publish bill pay, procurement, named certifications or its card issuer on the pages read.

• Product coverage: 3/5. Cards, reimbursements and travel booking published; no bill pay or procurement.
• Published pricing: 5/5. Free plan terms and per-user expense price published.
• Global reach: 2/5. Six regional sites; no country count for cards.
• Integration: 3/5. HRIS count and general ERP claim; no named ERP or API.
• Regulatory standing: 0/5. Certifications and card issuer not named.
• Spend controls: 3/5. Approval workflows and receipt scanning published.

Facts read on 26 October 2026 from: navan.com, navan.com.