Which is the best Expense Management Solution in 2024?

In this article, we consider the pros and cons of the best providers on the market to help you find the right solution for your expense management needs.

Julian, Author
Last updated: January, 2026
Editor's Pick
  • Free Demo
  • Trusted by 3,000+ businesses
Visit Moss
  • Free Trial
  • 44% reduction in spend
Visit Capture Expense
Visit Pleo

Our Top 3 Picks

Moss, Pleo, and Capture Expense each provide powerful tools for managing business expenses, offering varying levels of automation, reporting, and integration. While all three excel in different areas, Moss stands out as the top choice, followed by Pleo and Capture Expense.

Moss offers a comprehensive platform with real-time expense tracking, virtual cards, and detailed analytics. Its standout features include automated invoice processing and seamless integrations with accounting software, making it an ideal solution for businesses that need robust financial control. Moss also provides flexible credit options and advanced spending limits, giving companies enhanced oversight over expenses. Though it may require more initial setup and training, its user-friendly interface and powerful reporting tools make it highly effective for scaling businesses.

Pleo is another strong contender, excelling in simplicity and automation. With Pleo, employees can easily manage their expenses via smart company cards linked to a mobile app, reducing administrative burdens. It also offers real-time tracking and instant categorization of expenses, saving time on manual reporting. Pleo’s pricing is competitive, and its intuitive design makes it a favorite among small and mid-sized companies. However, it lacks some of the advanced financial management tools found in Moss, positioning it slightly behind in terms of overall functionality.

Capture Expense rounds out the trio, offering a straightforward, user-friendly solution for small businesses. Its key strengths lie in its ease of use, quick setup, and essential features like receipt scanning and automated expense reports. While it doesn’t offer the same level of advanced reporting or integrations as Moss or Pleo, Capture Expense is ideal for companies seeking a simple and affordable tool. Its more limited feature set and basic analytics may not suit larger organizations, but it provides solid value for those with straightforward needs.

In summary, Moss leads with its robust financial management features, followed by Pleo’s automation and simplicity. Capture Expense offers a reliable, easy-to-use system at a competitive price.

Looking to compare Expense Management Solutions?

When we compared Expense Management systems, we quickly realized that not all options are created equal. We looked at factors like features, pricing, customer support, scalability, and how well each system integrated with my existing tools. After a lot of research, We found several reputable suppliers that stood out from the rest. Here are a couple of our top picks:

Providers
Features
Rating
Further info
Most Popular
  • Automate manual expense claims & spreadsheet admin
  • Empower employees with secure physical cards & unlimited virtual cards
  • Built for companies with 10+ employees — no per-user fees, full control over every transaction
  • 2-way sync with Xero, NetSuite, QuickBooks for instant accuracy
  • Expand into AP & spend management as your company grows
9.9
Visit Moss Book an intro

Moss is a complete spend management platform, offering corporate cards, invoice processing, expense tracking, payments, and automated pre-accounting.

Trusted by over 4,000 businesses, Moss reduces manual work with AI-powered automation while maintaining human oversight.

Upload spend items via mobile, receipt fetch or web, with AI-powered OCR for accurate spend categorisation. Always.

Integrate deeply with Xero, NetSuite, and QuickBooks for accurate, automated pre-accounting and real-time expense tracking.

Configure Moss to match YOUR finance team’s needs—control spending, track budgets, and reduce manual effort without changing your workflows.

Learn More
  • UK's most trusted expense management
  • Control your spending for business success
  • Instantly sync with Xero and other tools
  • Trusted by 37,000+ customers
9.4
Visit Pleo Free Trial*

Stop wasting time on expenses, receipts, reimbursements and invoices.

Centralise your business spending for complete financial efficiency and balance the books effortlessly with Europe’s most loved and trusted expense management platform.

Connect your tools to Pleo and simplify your workflow:
  • Xero and other accounting systems & ERPs
  • Gmail, Microsoft Outlook, Zapier and many others

For every business, at every stage. Join over 30,000 companies using Pleo every day – from professional services to software and start-ups to enterprises.

Learn more about Pleo and take the stress out of business spending

*Free refers to the trial period, available on Starter, Essential, Advanced, and Beyond plans.

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  • Smart expense management software to simplify spending and boost your bottom line
  • Reduce expense costs by 44%
  • AI-powered financial reporting and expense audits
  • WhatsApp, Slack and Teams integration
  • Integrate with any accounting or payroll system, including QuickBooks, Xero, Sage
9.2
Visit Capture Expense Free Trial

Capture Expense’s expense management tool is a top-rated solution designed to simplify and enhance financial management for businesses of all sizes. Known for its user-friendly interface, Capture Expense allows businesses to efficiently track and report expenses, providing clear and comprehensive insights into their financial activities.

One of the standout features of Capture Expense is its automated receipt capture and categorization. This feature reduces the manual effort required in expense reporting, ensuring accuracy and saving time. Additionally, Capture Expense supports seamless integration with popular accounting software, facilitating smooth data transfer and further streamlining the expense management process.

Capture Expense also excels in providing excellent customer support and regular updates, ensuring that businesses benefit from the latest features and reliable assistance. With its combination of ease of use, advanced automation, and strong support, Capture Expense’s expense management tool is a highly effective solution for businesses looking to optimize their expense tracking and reporting.

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  • Up to £250k credit limits
  • Save on FX compared to banks (1.99%)
  • All-in-one solution
9.3
Visit Payhawk Request a demo

Working best for businesses with >50 employees, Payhawk’s leading expense management solution offers a wide variety of solutions to businesses that enable them to better manage their expenses, invoices and subscriptions.

One of the many benefits Payhawk offer is there host of fantastic integrations, allowing you to take advantage of their expense management suite whilst not losing connection with your existing business tools. Some examples of their integrations include:

– Xero
– Microsoft Dynamics 365
– NetSuite
– Azure
– Quickbooks
– And more!

If their existing integrations aren’t enough, Payhawk also offer the ability to customise integrations for their clients through their partner API form, meaning all businesses can be supported.

Payhawk also offer the most efficient corporate visa credit and debit cards for your business, which backed up by their powerful expense management software allows you to manage your cash flow with ease:

– Set impactful spend controls
– Real-time business spend monitoring
– Simplified bulk card management
– Create approval flows that reflect company structures

And all this is just the tip of the iceberg when it comes to what Payhawk could offer you business. Schedule a free demo today to find out how they can help your business take back control on your finances and expenses.

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  • Reliable, expert support 7 days a week
  • Unlimited users on all plans
  • Save 17% when you pay annually vs. paying monthly
  • Fee-free spending in 21 card-supported currencies, spend in over 190 countries where Mastercard is accepted
  • Up to 100 free virtual cards* depending on your pricing tier, compatible with Apple Pay & Google Pay
8.7
Visit Equals Money Book an intro

Equals Money makes money movement simple across business expenses and international payments. Join over 50,000 companies using the platform.

Stay on budget with real-time transaction data, custom limits, instant card pauses, low balance alerts and Xero and Concur® Expense integrations. Your team can spend worldwide while you maintain real time visibility and customise permissions per user depending on their roles and responsibilities.

You’ll get expert account management support; demos arranged for your team and help protecting your business from volatile markets. The multi-currency IBAN Account offers easy international transfers at favourable rates.

*Terms & Fees may apply. You need a UK Business Bank Account to apply.Because Equals Money accounts don’t fall under FSCS, your money is protected in separate safeguarded Bank Accounts.

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  • Expenses on the go
  • Real-time visibility
  • Simple submissions
7.9

Airwallex’s expense management tool is highly regarded for its comprehensive and efficient approach to financial management, making it an excellent choice for businesses of all sizes. With an easy-to-use interface, Airwallex allows businesses to streamline their expense tracking and reporting processes, ensuring better financial control and transparency.

One of Airwallex’s key advantages is its robust multi-currency support, which is particularly beneficial for businesses operating globally. The tool enables seamless expense tracking across different currencies, helping businesses manage international expenses without the hassle of conversion fees. Additionally, Airwallex provides advanced features like automated receipt capture, real-time expense reporting, and integration with popular accounting software, which simplifies the overall expense management workflow.

Airwallex also offers exceptional customer support and regular feature updates, ensuring that businesses always have access to the latest tools and assistance they need. With its blend of advanced functionality, user-friendly design, and strong support, Airwallex’s expense management tool stands out as a top-tier solution for businesses aiming to optimize their financial operations.

  • 10 free currencies
  • Convenient app
  • Zero fees
  • Access in 24h
9.5
Visit Wallester Get free cards

Run your business on 300 free virtual cards, with unlimited cards and zero monthly fees.

Open a free account in under 24h.

Manage spending in real time with a live dashboard, set custom limits per employee, card, or subaccount, and sync seamlessly with Xero, QuickBooks, or your own system via REST API.

Enjoy free support for 10 currencies and 16 languages, free EUR top-ups.

Robust bank-level security – all with fintech simplicity and minimal bureaucracy.

Learn More
  • Gives flexibility
  • Keep expenses in check
  • Eliminate form-filling
7.8

Tide are an industry leading expense management provider that makes expense management simple, taking the stress out of your day to day with easy to learn and use software. Makin it easier than ever to manage your business finances.

Tide brings your essential bookkeeping and accounting jobs into one, user-friendly platform. Track performance with powerful reporting, manage bookkeeping and stay organised and get your taxes right first time, on time.

Tide also ensures you get paid faster, with personalised invoices. Invoice your customers straight from the Tide app, as soon as you finish the job – and get paid on time. You can also add payment links to your invoices, so your customers can pay you on the spot.

  • 100% cash flow transparency
  • OCR integrations
  • Approval workflows
7.5

Precoro’s expense management software is a powerful tool designed to simplify the process of managing expenses for businesses of all sizes. The software is known for its intuitive interface and customizable features, making it an ideal choice for businesses looking to streamline their expense management processes.

One of the key strengths of Precoro is its flexibility, with customizable workflows and automated approval processes. The software allows businesses to create and manage expense reports quickly and easily, with options for categorizing expenses and setting spending limits.

Precoro is also known for its user-friendly interface, which makes it easy to navigate and use. The software offers a range of features, including real-time tracking, budget control, and vendor management, all designed to help businesses manage their finances more efficiently.

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