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3S Money vs Capture Expense: Which Is The Better Company Expense Card?


Last Updated: 20 May 2025
Reviewed By: Ian Wright (Managing Director)

3S Money and Capture Expense are two of the leading companies when it comes to expense cards for your UK business. But which one is better?

Below we look at how they compare. From reviews to costs to features we look at all the key things you want to know before making your decision.

3S Money HomepageCapture Expense Homepage
 

3S Money vs Capture Expense Reviews

3S MoneyCapture Expense
Trustpilot Review Rating 4.8No Rating
Number of Trustpilot Reviews655No Reviews
iPhone App RatingNo Rating5
Number of iPhone App ReviewsNo Reviews2
Android App RatingNo RatingNo Rating
Number of Android App ReviewsNo ReviewsNo Reviews
Note these figures we’re taken from each company’s website and may have changed since publication

3S Money vs Capture Expense Key Details

3S MoneyCapture Expense
WebsiteClick Here to Visit 3S Money WebsiteClick Here to Visit Capture Expense Website
Card TypeNo Card ProvidedNo Card Provided
Offers Physical Cards?NoNo
Offers Virtual Cards?NoNo
Offers Prepaid Cards?NoNo
Cashback Plans?NoNo
Plans for Freelancers?YesNo
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?NoYes

3S Money vs Capture Expense Cost

3S Money PricingCapture Expense Pricing
3S MoneyCapture Expense
Free Plan?NoNo
Free Trial?NoYes
Cheapest Plan Price Per Month£244.78£6.00
Mid Plan Price Per MonthNot ApplicableNot Applicable
Top Plan Price Per MonthBespokeCustom
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

3S Money vs Capture Expense Features

3S Money FeaturesCapture Expense Features

3S Money Features

Standard International

  • Suitable for: Importers, exporters, manufacturers, professional service providers and e-commerce businesses

No Mid-Tier Plan

Not Applicable

Bespoke International

  • Suitable for: Businesses with complex structures, holding companies, family offices, asset managers and investments funds

3S Money Accounting Software Integrations

  • Xero

Capture Expense Features

Business

  • Mileage calculator
  • Receipt inbox
  • Receipt scanning
  • Advanced approval
  • Multi-currency
  • Smart scanning
  • Card reconciliation
  • Project tracking

No Mid-Tier Plan

Not Applicable

Enterprise

  • Mileage calculator
  • Receipt inbox
  • Receipt scanning
  • Advanced approval
  • Multi-currency
  • Smart scanning
  • Card reconciliation
  • Project tracking
  • Single sign-on
  • ERP integration
  • Dedicated account manager
  • Open banking
  • Advanced reporting
  • Linked organisations

Capture Expense Accounting Software Integrations

  • Zynk
  • Xero
  • QuickBooks
  • Sage
  • Sap
  • Epicor
  • Oracle

3S Money vs Capture Expense Features Comparison

3S MoneyCapture Expense
Apple Pay CompatibleYesNo
Google Pay CompatibleYesNo
Expense ClaimsNoYes
Expense ReimbursementsNoYes
APIYesYes
Access Controls/PermissionsNoNo
ReconciliationsNoYes
Approval Process ControlNoYes
Budget ControlNoYes
Expense CategorisationNoNo
Compliance ManagementYesYes
Customizable Fields NoYes
Fraud DetectionYesYes
Multi-Currency CardsYesYes
Mileage TrackingNoYes
Mobile Receipt UploadNoYes
Real Time Notifications & ReportingYesYes
Receipt ManagementNoYes
Spend ControlNoYes
Travel Management NoYes

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Disclaimer: Businessfinancing.co.uk is a business finance and lending research and information website publisher. We are not a lender, bank, broker and/or other financial institution and as such we are not authorised or regulated by the FCA to offer financial advice. We can't recommend any of the products and/or services featured on the site. Companies are ranked in no particular order and higher ranking does not imply one company is better than another. We work with FCA authorised and regulated firms who may pay us a commission for referring you to them but this has no impact on our content and helps keep this website free to use.



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