3S Money and Payem 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.
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3S Money vs Payem Reviews
| 3S Money | Payem | |
| Trustpilot Review Rating | 4.8 | No Rating |
| Number of Trustpilot Reviews | 655 | No Reviews |
| iPhone App Rating | No Rating | No Rating |
| Number of iPhone App Reviews | No Reviews | No Reviews |
| Android App Rating | No Rating | No Rating |
| Number of Android App Reviews | No Reviews | No Reviews |
3S Money vs Payem Key Details
| 3S Money | Payem | |
| Website | Click Here to Visit 3S Money Website | Click Here to Visit Payem Website |
| Card Type | No Card Provided | VISA |
| Offers Physical Cards? | No | Yes |
| Offers Virtual Cards? | No | Yes |
| Offers Prepaid Cards? | No | Yes |
| Cashback Plans? | No | No |
| Plans for Freelancers? | Yes | Yes |
| Plans for Small Business? | Yes | Yes |
| Plans For Medium Business? | Yes | Yes |
| Enterprise Plans? | No | Yes |
3S Money vs Payem Cost
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| 3S Money | Payem | |
| Free Plan? | No | No |
| Free Trial? | No | No |
| Cheapest Plan Price Per Month | £244.78 | Pricing Not On Website |
| Mid Plan Price Per Month | Not Applicable | Not Applicable |
| Top Plan Price Per Month | Bespoke | Not Applicable |
3S Money vs Payem Features
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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
Payem Features
Standard
No Features Listed On Website
No Mid-Tier Plan
Not Applicable
Not Top Plan
Not Applicable
Payem Accounting Software Integrations
3S Money vs Payem Features Comparison
| 3S Money | Payem | |
| Apple Pay Compatible | Yes | Yes |
| Google Pay Compatible | Yes | Yes |
| Expense Claims | No | Yes |
| Expense Reimbursements | No | Yes |
| API | Yes | Yes |
| Access Controls/Permissions | No | Yes |
| Reconciliations | No | Yes |
| Approval Process Control | No | Yes |
| Budget Control | No | Yes |
| Expense Categorisation | No | Yes |
| Compliance Management | Yes | Yes |
| Customizable Fields | No | Yes |
| Fraud Detection | Yes | Yes |
| Multi-Currency Cards | Yes | Yes |
| Mileage Tracking | No | Yes |
| Mobile Receipt Upload | No | Yes |
| Real Time Notifications & Reporting | Yes | Yes |
| Receipt Management | No | Yes |
| Spend Control | No | Yes |
| Travel Management | No | Yes |
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