Mesh Payments vs PayEm

Moss

SAP Concur

BILL Spend & Expense

Moss is an expense management software that enables employees to spend in a decentralized way, giving finance managers complete visibility and control in real-time. By automating and digitizing spend, Moss frees finance teams from administrative tasks. 

SAP Concur is a leading cloud-based spend management solution that helps small, medium, and large businesses automate and simplify expense reporting, travel booking, and invoice processing. It’s designed to give organizations better control over their business spend by integrating near real-time data and using AI to audit 100% of transactions.

BILL Spend & Expense (formerly Divvy) is the all-in-one expense management solution.

Manage every payment across your company with insights, controls and automation to save hours of work and get the most out of your corporate spend. The cherry on top - Mesh is completely free.

Accounting

Accounting Integration

Activity Dashboard

Activity Tracking

Ad hoc Reporting

Approval Process Control

Approval Workflow

Audit Trail

Billing & Invoicing

Booking Management

Budget Control

Categorization/Grouping

Corporate Card

Credit Card Management

Customizable Fields

Customizable Reports

Dashboard

Data Import/Export

Electronic Payments

ERP integration

Expense Claims

Expense Tracking

Financial Analysis

Financial Management

Invoice Management

Invoice Processing

Mobile Access

Mobile Receipt Upload

Multi-Currency

Online Booking

Payment Reconciliation

Policy Management

Prepaid Cards

Procurement Management

Purchasing & Receiving

Real-time Alerts

Real-Time Analytics

Real-Time Data

Real-Time Monitoring

Real-Time Notifications

Real-Time Reporting

Real-Time Updates

Receipt Management

Reimbursement Management

Reminders

Reporting/Analytics

Reporting & Statistics

Requisition Management

Single Sign On

Spend Analysis

Spend Control

Spend Management

Supplier Management

Third-Party Integrations

Time & Expense Tracking

Transaction History

Travel Management

Vendor Management

Workflow Management

Mesh Payments

Web-based

Android

iPhone

iPad

PayEm

Mid-size Business

Large Enterprises

Small Business

Expensify

Expensify is an expense management platform that automates receipt scanning, expense tracking, and employee reimbursements. The software includes features such as corporate card management, travel booking capabilities, and integration with accounting systems including QuickBooks, NetSuite, Sage Intacct, and Xero. Expensify offers global reimbursement processing and allows organizations to link existing corporate cards from banks worldwide.

webexpenses

Webexpenses provides simple, intuitive cloud-based software for smarter expense management and invoice processing, with full support and seamless integration.

Go beyond the typical expense reporting process with PayEm. There is no need to hunt down missing receipts anymore. PayEm revolutionizes expense submissions by streamlining the entire payment process - simply attach expense receipts via an automated email, our mobile application, or desktop portal.

Access Controls/Permissions

ACH Payment Processing

Alerts/Notifications

Audit Management

Bank Reconciliation

Bid Management

Budgeting/Forecasting

Cash Management

Check Writing

Compliance Management

Configurable Workflow

Contract/License Management

Data Visualization

Duplicate Payment Alert

Electronic Funds Transfer

Financial Reporting

Fraud Detection

Multi-Location

Offboarding

Onboarding

Order Management

Order Tracking

Payment Processing

Projections

Project Management

Purchase Order Management

Purchase Order Reconciliation

Purchasing Reports

Recurring Payments

Rules-Based Workflow

Search/Filter

Sourcing Management

Status Tracking

User Management

Vendor Payment

Workflow Automation

Chromebook

Linux

Windows

Basic

Head of finance

The UI can feel a bit unintuitive at times, especially for team members who aren't in finance, some features are buried or not clearly labeled.

Executive Assistant

I also don't like that you still get a red receipt flag even when a charge has been refunded or reversed.

Operations Manager

PayEm allows us to manage budgeting and overall expenses while including all departments involved in the expense approval process.

Finance Controller

For example, I am in control using a vendor credit card because I can see every transaction, and I can know in real-time if I need to increase the budget or pay another way.

Controller

The customer care team and representatives are very helpful and commentative, every issue is addresed immediately and gets the full response for the relevant department.  

The software helps me plan my budget for next year and understand how we plan monthly and annually.

Finance 

The integration with our ERP system shortens accounting work, especially when it comes to vendor management.

Global Sourcer and Onboarding Manager

Once a team member leaves the company, our finance team can easily stop payments to a particular subscription.

PayEm offers a great NetSuite integration that reduces the time of processing payments.

Sales Coordinator

Even on my first visit, PayEm supported my security as a client from the minute I entered the platform with verification and passwords.

PayEm is an easy to use platform which allows us to track every aspect of our company’s credit card spend.

Finance Manager

I’m in total control of the budget and can make sure that any deviation in the budget goes through me.

Supply Chain Manager

It's very easy to use, you can allocate each employee with its own credit card and monitor purchases / approval process.

Global Director of SDR

With PayEm, I don't have to lay out my own money and wait for reimbursements.

I definitely recommend PayEm to companies who want to increase efficiency and control, while saving company money.

Moreover, the UX/UI is very friendly and allows me to understand the system better.

Initially I was a bit worried to transition to using PayEm, but I found it to be very user friendly.

Mesh Payments vs PayEm Comparison (2026)

Mesh Payments

PayEm

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives