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Spend Management Software with Credit Card Management (2026)

Last updated: March 2026

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Key features of Spend Management Software

Based on GetApp's analysis of verified user reviews collected between July 2021 and August 2024.

  • Receipt Management: Users find it easy to upload and store digital receipts, improving accountability and saving time on expense tracking. 91% of reviewers rated this feature as important or highly important.
  • Expense Tracking: Reviewers appreciate the ability to categorize and monitor expenses, offering detailed insights for budgeting and spending control. 90% of reviewers rated this feature as important or highly important.
  • Invoice Processing: Reviewers highlight automated invoice handling, line-item recognition, and integration with accounting systems for efficiency. 89% of reviewers rated this feature as important or highly important.
  • Approval Workflow: Users value customizable approval processes that streamline approvals, provide notifications, and ensure accountability. 86% of reviewers rated this feature as important or highly important.
  • Spend Control: Reviewers mention the ability to set budgets, create virtual cards, and monitor spending in real-time to prevent overspending. 85% of reviewers rated this feature as important or highly important.
  • Approval Process Control: Users appreciate flexible, customizable workflows that enforce budgets and facilitate quick, transparent approval processes. 82% of reviewers rated this feature as important or highly important.
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62 software options

Order.co logo

Order.co

AI-driven procurement and spend management tool

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Boost your bottom line by controlling every purchase, eliminating unapproved spend, and increasing spend visibility with automated approval workflows, and customizable budgets.

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SAP Concur logo

SAP Concur

Travel, expense and invoice, automated and in control

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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.

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Procurify logo

Procurify

Procurement and spend management platform

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Procurify is an intake-to-pay software for mid-market organizations, combining procurement, accounts payable, expense management, and payments. Its AI-powered workflows automate data capture, streamline approvals, and provide spend analytics via dashboards. Features include purchase request management, purchase order creation, invoice processing, bill payments, expense reporting, and spending cards in one system.

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Rydoo logo

Rydoo

Business expense management solution

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Rydoo is a business expense management solution that automates expense flows and analyzes all expenses and detects non-compliant or suspicious claims. Its corporate cards provide real-time visibility and control over employee spending, allowing organizations to identify trends and anomalies and respond with agility.

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Rippling logo
Category Leaders

Workforce management across HR, finance, and IT. 

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Rippling Spend: Consolidate your business’s corp cards, bill pay, travel and expense management, into one modern system with built-in approvals, custom policies, and automatic reconciliation.

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Emburse Expense Professional logo

Travel and expense management tool for midsize businesses

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Emburse Expense Professional is a cloud-based tool that provides data visibility into corporate spending. It automatically creates reports for employees, streamlines approvals, and makes reimbursement and reporting effortless for accountants.

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Expensify logo

Expense management & corporate card platform

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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.

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webexpenses logo

Software for smarter expense management & invoice processing

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

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Stampli logo

Stress-free finance operations

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Stampli Cards give finance teams control over AP and expense transactions — integrated into Stampli's AP automation platform.

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Circula logo

The first app, that combines expense management and Benefits

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Circula is an expense management and benefits administration software, that focuses strongly on the best possible user experience and guarantees compliance with European law standards.

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Emburse Nexonia logo

Expense management for ERP & accounting systems

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Extend the capabilities of your accounting system to include expense management with Nexonia. Empowering organizations through configurable controls and support for complex approval workflows.

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ExpensePoint logo

Mobile automated expense reporting for employees

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ExpensePoint is a mobile expense management solution for small to large multinational enterprises that automates employee expense report processes. Features include receipt reading and imaging, approval routing, credit card uploading, and policy enforcement. The platform serves all global markets and is accessible via any web browser or Android or iOS mobile device.

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BILL Spend & Expense logo

The all-in-one expense management solution.

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Take control of your business budgets and say goodbye to the “spend now, ask forgiveness later” mentality. With Divvy, never go over budget again. Period.

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Moss logo
Category Leaders

Spend management and expense report software

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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.

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Ramp logo
Category Leaders

Corporate card and expense management platform

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Ramp is an all-in-one corporate card & spend management system, built to help you grow efficiently. Issue Ramp cards with customizable limits & auto-enforced policies that block unwanted spend before it happens. Get real-time reporting & detailed savings insights to plan strategically for tomorrow.

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TravelBank logo
Category Leaders

Expense and travel management platform for businesses

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Streamline your expense management with our expense tracking software that automates expense reports, offers one-tap approvals, and provides visibility into your business spend. "It probably took us six times longer to work with Excel than TravelBank."

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Teampay logo
Category Leaders

Request, approve, and track company spending in real-time.

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Teampay’s spend management platform gives finance teams control and automates the purchasing, reconciliation, and reporting process.

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Expensya logo

Expense management & reporting with recognition technology

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Expensya is a cloud-based, multi-platform expense management solution with smart scanning, archiving, accountant integration, smart stats, and email processing

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Spendwise logo
Category Leaders

Spend management software for business

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Spendwise - formerly Officewise - is an interactive cloud-based accounting solution that helps small and mid-sized businesses manage their accounting and financial operations

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ELMO Software logo

HR & Payroll Software, simplified.

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ELMO’s integrated Expenses solution can automate how you manage business expenses. Submitting, approving, and reporting expenses is simplified through our intuitive digital platform.

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Wallester logo
Category Leaders

Fundamentally new approach to business expense management!

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Wallester helps other businesses to issue corporate VISA cards and streamline their corporate expenses.

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Navan logo

All-in-one travel, corporate card, and expense management

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Navan, formerly TripActions, is the all-in-one travel, corporate card, and expense management solution that helps companies save time and money.

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Payhawk logo

Spend management platform that automates expense processing

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Payhawk is a spend management platform that automates expense management and provides real-time visibility and control over corporate spending. The platform integrates with linked business credit cards, enabling users to collect receipts at the point of sale and automatically match transactions to receipts. Its AI-powered technology processes receipts and invoices, automatically categorizing and routing expenses for approval to ensure an efficient spending culture.

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Coast logo
Category Leaders

The Smartest Visa Fleet & Fuel Card Yet

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Coast is a tech-enabled fuel card and expense management solution that gives companies with commercial vehicle fleets greater visibility into and control over employee spending on fuel and other ‘in-the-field’ expenses.

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AvidXchange logo

Automated AP for mid-market businesses

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AvidXchange provides accounts payable automation software designed for middle-market businesses. The platform streamlines invoice processing and payment workflows through AI-enhanced technology that integrates with various accounting systems. The solution offers centralized visibility into payables processes while maintaining customizable approval workflows and comprehensive audit trails for improved financial control.

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