Category
AI expense management software: what they are and who makes them
per-user expense tools with a free tier, card-led spend platforms for eu and uk firms, expense platforms tied to travel booking, us corporate card and spend suites: Pleo, Zoho Expense, Soldo through Rydoo.
Types of AI expense management software
Per-user expense tools with a free tier
Zoho Expense, Expensify and Brex Essentials let a small team start without paying per seat, then charge a few dollars per user for audit and policy features. They suit firms that already hold cards at a bank and only want claims and receipts handled.
Card-led spend platforms for EU and UK firms
Pleo, Soldo, Moss, Spendesk and Payhawk issue the cards and run the expense workflow on top. Pricing mixes a platform or per-user fee with transaction charges, and receipts are matched to each card payment as it clears. Most target firms in the UK and the EEA.
Expense platforms tied to travel booking
Perk sells expenses beside business travel, and yokoy.ai now redirects to perk.com. Staff can pay with an existing company card or a personal one, and reimbursements go out by ACH. It fits firms that want trips, claims and reimbursements to share one approval chain.
US corporate card and spend suites
Ramp and Brex start from a corporate card and add expenses, bill pay and banking. Their strongest features target US accounting stacks and US bank rails, so a European finance team should check local card and reimbursement support before shortlisting either one.
Facts at a glance
| Tool | Publisher | Based in | Access |
|---|---|---|---|
| Pleo | Pleo Technologies A/S | Denmark | Trial |
| Zoho Expense | Zoho Corporation | India | Free tier + API |
| Soldo | Soldo Software Ltd | United Kingdom | Trial + API |
| Moss | Moss GmbH | Germany | Free tier + API |
| Spendesk | Spendesk | France | Paid + API |
| Payhawk | Payhawk Limited | United Kingdom | Trial + API |
| Perk (Yokoy) | Perk Platform SLU | Spain | Paid + API |
| Ramp | Ramp Business Corporation | United States | Free tier + API |
| Brex | Brex LLC | United States | Free tier + API |
| Expensify | Expensify, Inc. | United States | Trial + API |
| Fyle | Fyle Inc. | United States | Paid + API |
| Rydoo | Rydoo | Belgium | Paid + API |
