# Spendesk Software Pricing, Alternatives & More 2026 | Capterra > With the help of Capterra, learn about Spendesk Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more. Source: https://www.capterra.com/p/157515/Spendesk --- # Spendesk Software Review 2026: Features, Integrations, Pros & Cons Last updated on March 13, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. Independent research methodology Capterra’s researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. 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[Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/) [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[Users](#users)[Pros and Cons](#pros-cons)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) Spendesk ## What is Spendesk? Spendesk is the AI-powered spend management and procurement platform that transforms how businesses control company spending. As the first European platform to fully integrate procurement and spend management, Spendesk processes €20 billion annually across 200,000+ business users. Our complete procure-to-pay solution combines procurement, corporate cards, accounts payable, and expense management in one unified platform. With advanced AI automation for receipt validation, invoice processing, and spend allocation, plus built-in approval workflows, Spendesk saves finance teams time while providing 100% visibility across all company spend. From dynamic purchase requests to contract renewals tracking, comprehensive supplier management, and flexible payment options including virtual cards and Apple/Google Pay, Spendesk empowers businesses up to 1,000 employees to streamline operations, reduce costs by 5% annually, and scale with confidence. Trusted by thousands of European SMBs. ## What is Spendesk used for? [Payment Processing](https://www.capterra.com/payment-processing-software/)[Expense Report](https://www.capterra.com/expense-report-software/)[Spend Management](https://www.capterra.com/spend-management-software/) Top alternative Featured Overall rating Based on 228 user reviews Reviews sentiment Positive 96% Neutral 2% Negative 1% Pros & cons Streamlined expense management Effortless platform navigation Payment card acceptance issues Contact vendor for pricing Free trial not available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for Spendesk?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=http://www.spendesk.com&name=Spendesk) ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### Spendesk 4.7 (228) VS. [4.3 (635)](https://www.capterra.com/p/76/Intacct/reviews/) Starting Price Contact vendor Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.8 (228) Ease Of Use 4.2 (561) Value For Money 4.5 (135) Value For Money 4.0 (470) Customer Service 4.5 (162) Customer Service 4.0 (501) ## Spendesk alternatives [4.2 (401)](https://www.capterra.com/p/184673/Melio/reviews/) Starting price $25.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 83% of reviewers rated it above 4 stars [4.2 (2,007)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 85% of reviewers rated it above 4 stars [4.4 (672)](https://www.capterra.com/p/163115/Zoho-Books/reviews/) Starting price $20.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 89% of reviewers rated it above 4 stars Highest Rated [4.4 (3,284)](https://www.capterra.com/p/120109/Xero/reviews/) Starting price $25.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 88% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/157515/Spendesk/alternatives/) ## Who uses Spendesk? Based on Capterra reviews from the past 5 years Talk to a software expert to get a free software list tailored to your business needs ## Pros and Cons Streamlined expense management 90% positive reviews out of 39 Most reviewers find expense reports easy to create, track, and process, improving reimbursement speed and budget oversight. Payment card acceptance issues 42% negative reviews out of 52 Some users report payment cards are not accepted everywhere, with occasional delays, restrictions, and limited contactless features. Effortless platform navigation 100% positive reviews out of 32 Most users report ease of use makes daily tasks straightforward, saving time and simplifying company purchases. Intuitive and clear design 93% positive reviews out of 30 Most reviewers describe the user interface as intuitive, visually clear, and requiring minimal training for employees. ## Features Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically. Expense Tracking 4.6 (20) 40.00% of 20 reviewers that rated this feature as important or highly important Monitor and record expenses such as purchases or charges incurred Online Payments 4.7 (17) 47.06% of 17 reviewers that rated this feature as important or highly important Accept and process online payment transactions Data Security 4.9 (16) 37.50% of 16 reviewers that rated this feature as important or highly important Protect sensitive data for digital privacy Payment Processing 4.5 (16) 31.25% of 16 reviewers that rated this feature as important or highly important Accept, record, and reconcile financial transactions Debit/Credit Card Processing 4.9 (14) 35.71% of 14 reviewers that rated this feature as important or highly important Accept and process credit/debit card transactions Receipt Management 4.5 (12) 58.33% of 12 reviewers that rated this feature as important or highly important Upload, track, and submit receipts in a central database Spendesk 85 features Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc. Integrate with a third-party accounting system Track money owed to a company's creditors/suppliers Track outstanding invoices and the money owed from clients Track and document all activities across devices, networks, and other systems Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges Application programming interface that allows for integration with other systems/databases Manage the process of evaluating documents or requests submitted for approval Route documents and other data through one or more stakeholders for review and approval A record of all activities within the system, including user access, changes made, etc. Compare and match accounting/financial records with corresponding bank statements Create, manage, and send invoices or bills to customers Manage and monitor spending to align with the financial constraints or goals Create budgets based on historical data and future projections Monitoring, analysis, and projection of the movement of cash into and out of a business over a specific period Process of managing an organization's cash resources, including cash on hand, investments, and bank account balances Configure existing workflows to meet your organization's needs Manage and track credit cards that are distributed to employees to use for authorized business expenses Reports that show customers their invoices, payments, and balance on the account Assembly of graphs and charts for visualizing and tracking statistics/metrics Import and export data to and from software applications Protect sensitive data for digital privacy Graphical representation of data Accept and process credit/debit card transactions Store and organize documents in a centralized system Compare new data with existing records to detect duplicate entries Receive an automatic notification when the exact same payment is about to be initiated for the second time Transfer money electronically between two bank accounts Electronically collect payments for goods or services Manage the enrollment and onboarding of all new members and accepted applications Integrate with existing ERP systems Attaching relevant receipts or supporting documents to submit expenses for reimbursement Monitor and record expenses such as purchases or charges incurred Evaluate units, projects, budgets, and other finance-related data to gauge their performance and potential risk Plan, manage, and track the financial activities of an individual or organization Generate reports to assess the financial performance of an organization Form predictions based on past and present data/trends Identify and prevent suspicious activity Centralized accounting record which tracks all financial transactions Transactions that typically involve face-to-face interactions between the payer and the payee Captures invoice data and maintains comprehensive records for auditing and reporting purposes Creation, processing, verification, and execution of invoices till the payment is made Log miles driven for tax deduction or reimbursement purposes Access software remotely via mobile devices Scan and upload receipts to a central database using a mobile device Manage and handle various international currencies Accept and process online payment transactions Ability to recognize printed or written text within digital images or scanned documents Manage and track customer orders for goods, investments, or any other purchases Accept, record, and reconcile financial transactions Reconcile payments with corresponding invoices or orders for accounting purposes Bank cards with approved funds pre-loaded that employees can use for corporate purchases Organize and manage all processes/procedures involved in purchasing goods and/or services Create, send, and track purchase orders and their statuses Workflows that help acquire inventory, issue purchase orders and receive and store items in required quantity Analyze and gain insights into data in real-time Receive data and information in real time Notifications that are delivered to users as soon as an event occurs Active reporting of data and metrics Receive system updates as soon as any changes are made Upload, track, and submit receipts in a central database A list of customers and their payments due updated on a monthly basis Automated process of charging customers at regular intervals for repeated access or use of a product or service Manage compensation for out-of-pocket expenses incurred by an employee, client or another party Timed notification for any upcoming task, deadline, appointment, or activity Collection, analysis, and representation of numerical data and generation of reports to understand various patterns View and track pertinent metrics to find patterns and gain insights from data Review, approve and cancel requests for goods/services to be purchased Process of identifying, evaluating, mitigating, addressing and reporting on potential risks or uncertainties Search and filter data across systems to locate required information by entering keywords or certain criteria Allow users to access multiple services after entering their login credentials once Review and uncover trends in spending activity Set allowances and ensure employees don't spend more than the allotted amounts Track the amount of money spent on a certain product or with a certain supplier Track the status over time for a request, process, asset, or transaction Process of managing customer subscription lifecycle for a recurring service or a product Manage the subscription plans of all active members Manage all supplier data and operations Set up connections to third-party platforms to improve business processes Log and record hours worked and costs spent to assist in billing and invoicing Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period Monitor or audit historical and current transactions to analyze customer account activities Track and interpret metrics on the usage of company resources Ability to track and store all vendor-related information, such as contacts, services offered, terms, etc. Create, design and manage workflows for repetitive tasks Get Advice We can help you find the software with the features you need. Features 4.6 (228) 4.6 Based on 228 reviews ## Pricing Value for money 4.5 (135) ### Starting price Contact vendor for pricing Free trial not available Value for money 4.5 (135) 4.5 Based on 135 reviews ## Integrations [ Slack](https://www.capterra.com/p/135003/Slack/)[ Xero](https://www.capterra.com/p/120109/Xero/)[ NetSuite](https://www.capterra.com/p/135757/NetSuite/)[ DATEV Audit](https://www.capterra.com/p/217238/DATEV-Audit/)[ DATEV Report](https://www.capterra.com/p/217626/DATEV-Report/) Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 4.5 (162) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.5 (162) 4.5 Based on 162 reviews ## User reviews Overall rating 4.7 Based on 228 reviews Filter by rating 5(181) 4(39) 3(5) 2(1) 1(2) Mentioned topic Sorted by most recent AU Anonymous User Head of RevOps Information Technology and Services ### "One of the most powerful tool on the expense management market" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 February 27, 2026 It's one of my favorite tools. The virtual cards, the expense management, the automations make my life easier. Pros Spendesk is really easy to set up and use. It also offers great automations, particularly for expense management. Cons When reporting an expense, it can take a while to fill in all the fields - I wish the OCR feature would automatically fill them for me. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. GD Guibril D. Engineering Building Materials ### "The best refund method" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 November 28, 2025 I really enjoyed using this app; it's simple and user-friendly, and it makes getting reimbursed much easier. Pros I like the ease of the app. You can use it on your phone and it is really fast and intuitive. I used to use it for my spend at works. Cons Maybe some esthetic on the app. It might be the application's aesthetics. Sometimes, if the company doesn't configure the settings correctly, the aesthetics can be compromised. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Julien G. RevOps Specialist Staffing and Recruiting ### "Easy expense tracking" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 8/10 October 27, 2025 My experience with Spendesk is very satisfying. I save time and the mobile app is intuitive and highly practical. Pros Very easy to use for uploading receipts, its smart receipt detection and role-based access system are excellent. Cons The main drawbacks are credit card payments limits and the lack of native automations to sync receipts from other tools. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AB Antoine B. KAM Computer Software ### "Avis Spendesk" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 10/10 June 25, 2025 Expérience fluide et efficace : Spendesk simplifie la gestion des dépenses et offre un bon suivi budgétaire. Pros J’ai apprécié la gestion simplifiée des dépenses, la rapidité des validations et la visibilité en temps réel sur les budgets. Cons Certaines fonctionnalités pourraient être plus personnalisables et l’export des données peut parfois manquer de flexibilité. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. FG Florian G. Travel Manager Leisure, Travel & Tourism ### "Zuverlässiges Tool für einfache und sichere Zahlungen" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 10/10 June 16, 2025 Spendesk funktioniert einfach zuverlässig. Gerade bei wiederkehrenden Ausgaben oder spontanen Online-Käufen ist es sehr praktisch. Ich fühle mich damit sicher, weil alles gut nachvollziehbar dokumentiert ist. Pros Ich habe schon in mehreren Firmen mit Spendesk gearbeitet und war immer zufrieden. Besonders das Erstellen von virtuellen Kreditkarten für Online-Zahlungen klappt super – schnell, einfach und ohne Probleme. Es gab nie Ausfälle oder technische Schwierigkeiten. Cons Mir ist bisher nichts Negatives aufgefallen. Vielleicht könnten ein paar kleinere Funktionen in der Oberfläche noch klarer dargestellt sein – aber das ist Jammern auf hohem Niveau. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. SH Sameh H. Finance Manager Accounting ### "Finance Review of Spendesk" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 3.0 3.0 Likelihood to Recommend 7/10 March 18, 2025 Pros The ease of use of the system plus how it integrates through API to netsuite our accounting system Cons We have had experience were credit card get blocked quite alot Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Response from Vendor March 19, 2025 Hi Sameh, Your support and satisfaction mean the world to us! Thanks for taking the time to share your experience. If you or your team ever experience a bug with the cards, please don't hesitate to reach out to our support team (support@spendesk.com)! AU Anonymous User Operations Information Technology and Services ### "Intermediate spend management tool" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 3.0 3.0 Customer Service 4.0 4.0 Likelihood to Recommend 7/10 February 5, 2025 Pros Its easy to setup and easy to use. Approval process is easy and the data is visible in a neat form Cons Approval across multiple entities is very elementary. Workflow is rigid and integration with some tools is not easy Switched from [Expensify](https://www.capterra.com/p/97594/Expensify/) Not integrated with Datev as compared to spendesk. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Response from Vendor February 10, 2025 Thank you so much for your review! We appreciate your positive feedback! Spendesk has native integration with Datev and many other accounting tools. https://www.spendesk.com/en/integrations/?category=accounting If you have any more questions, please reach out to our team at Support@spendesk.com AP Anthony P. Comptable Farming ### "Spendesk CB virtuelle + note de frais" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 3.0 3.0 Likelihood to Recommend 7/10 January 20, 2025 Utilisation de Spendesk pour les cartes bleues virtuelles utilisées pour le paiement d’outils en saas Pros Interface très agréable et complète, gestion des cartes virtuelles super pratique Cons Le prix et la difficulté à paramétrer la comptabilisation des dépenses Alternatives considered [Mooncard](https://www.capterra.com/p/194946/Mooncard/) Reasons for choosing Spendesk Le prix assez faible pour les cartes virtuelles Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Response from Vendor January 30, 2025 Thank you so much for your review, Anthony! We’re glad you have a great experience with Spendesk. LB Lee B. Founder Internet ### "They stole our money" 1.0 Overall Rating 1.0 1.0 Ease of Use 3.0 3.0 Features 3.0 3.0 Customer Service 1.0 1.0 Likelihood to Recommend 3/10 October 23, 2024 Okay when you're using them, but not when you leave Pros Easy to use and solved our need at the time Cons When we left as a customer, they stole the £3k in our account and have still not returned it months later Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. SJ Sales J. Customer Support Marketing and Advertising ### "Spendesk - Reliable Expense Management Solution" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 10/10 July 4, 2024 Pros We use the tool mainly to track our business expenses. It has a breadth of features that helps in handling day to day financial services in our organisation. Cons The tool feature are responsive but it's pricey. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Response from Vendor January 30, 2025 We appreciate your feedback, Sales! It means a lot to us. 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