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


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

3S Money and Tipalti 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 HomepageTipalti Homepage
 

3S Money vs Tipalti Reviews

3S MoneyTipalti
Trustpilot Review Rating 4.82.6
Number of Trustpilot Reviews6559
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 Tipalti Key Details

3S MoneyTipalti
WebsiteClick Here to Visit 3S Money WebsiteClick Here to Visit Tipalti Website
Card TypeNo Card ProvidedMastercard
Offers Physical Cards?NoYes
Offers Virtual Cards?NoYes
Offers Prepaid Cards?NoYes
Cashback Plans?NoYes
Plans for Freelancers?YesNo
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?NoYes

3S Money vs Tipalti Cost

3S Money PricingTipalti Pricing
3S MoneyTipalti
Free Plan?NoNo
Free Trial?NoNo
Cheapest Plan Price Per Month£244.78£119.00
Mid Plan Price Per MonthNot ApplicableNot Applicable
Top Plan Price Per MonthBespokeNot Applicable
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

3S Money vs Tipalti Features

3S Money FeaturesTipalti 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

Tipalti Features

Starter

  • multiple entities
  • additional currencies
  • international tax IDs

No Mid-Tier Plan

Not Applicable

Not Top Plan

Not Applicable

Tipalti Accounting Software Integrations

  • Netsuite
  • Sage
  • Quickbooks
  • Xero

3S Money vs Tipalti Features Comparison

3S MoneyTipalti
Apple Pay CompatibleYesNo
Google Pay CompatibleYesNo
Expense ClaimsNoYes
Expense ReimbursementsNoYes
APIYesYes
Access Controls/PermissionsNoYes
ReconciliationsNoYes
Approval Process ControlNoYes
Budget ControlNoYes
Expense CategorisationNoNo
Compliance ManagementYesYes
Customizable Fields NoNo
Fraud DetectionYesYes
Multi-Currency CardsYesYes
Mileage TrackingNoNo
Mobile Receipt UploadNoNo
Real Time Notifications & ReportingYesYes
Receipt ManagementNoNo
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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