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: February, 2025

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

Corporate cards, invoice management, payments and expense tracking.
Integrate with Xero, NetSuite, and QuickBooks.
Reduce manual work and boost productivity by 47%
Save £700 per employee yearly with a 4.5x ROI.
Monitor and approve spending with real-time budget visibility.

9.8

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

9.1

Visit Pleo Get started for free

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

Learn More

75% time saved by automating processes
Reporting powered by native AI chatbot
WhatsApp Integration
Instant receipt scanning
Automated mileage tracking

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

9.5

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.

Learn More

Spend in 20 currencies with multi-currency expense cards
Generate virtual cards (compatible with Apple Pay and Google Pay)
Stay on budget with spending limits and real-time data
Allocate and request funds with tiered approvals
Integrates with Xero and Concur® Expense

9.7

Visit Equals Money Contact Sales

Equals Money makes money movement simple, join over 20,000 companies they’ve helped take control of their business expenses.

Stay on top of team spending with physical and virtual cards* and an easy-to-use online platform. Your team can request top-ups, pause their card, and check their PIN 24/7. They can also spend all over the world while you monitor their spending in real time.

You’ll get an expert account manager who works to understand your business needs, arrange demos for your team and help protect your business from volatile markets with great exchange rates on international payments.

Finance Managers stay in control by monitoring budgets, responding to requests, and adjusting permissions for users.
*Fees may apply to issue physical cards.

Learn More

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.

300 free virtual cards
Unlimited cards
Fast onboarding - 24 hours max

8.3

Visit Wallester Try For Free

Wallester is a fintech company that offers the solution to issue corporate VISA cards for various needs and an in-house built platform for effectively managing corporate expenses absolutely for free.

One of the key strengths of Wallester’s software is its comprehensive expense tracking capabilities. The platform allows businesses to track expenses in real-time, providing a complete overview of all transactions. This feature helps managers to monitor and analyze expenses, identify trends, and optimize budgets.

Wallester’s software also offers seamless integration with accounting software, which streamlines the expense reporting process. This integration allows businesses to automate expense reporting, eliminating the need for manual data entry and reducing the risk of errors.

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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Tech.co is a news, reviews, and advice site aimed at keeping you up-to-date on the very best consumer and business technology. We help our readers stay informed on the latest trends with reviews of devices, software, and business tech designed to help you make the best choices, because we believe that getting the right tech matters. Our recommendations are completely independent, based on in-depth research and always jargon-free.

Which is the best Expense Management Solution in 2024?

Our Top 3 Picks

Looking to compare Expense Management Solutions?

Who are we?

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