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CaxtonFX vs Payem: Which Is The Better Company Expense Card?


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

CaxtonFX 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.

CaxtonFX HomepagePayem Homepage
 

CaxtonFX vs Payem Reviews

CaxtonFXPayem
Trustpilot Review Rating 4.8No Rating
Number of Trustpilot Reviews4831No Reviews
iPhone App Rating2.5No Rating
Number of iPhone App Reviews273No Reviews
Android App Rating3.9No Rating
Number of Android App Reviews1110No Reviews
Note these figures we’re taken from each company’s website and may have changed since publication

CaxtonFX vs Payem Key Details

CaxtonFXPayem
WebsiteClick Here to Visit CaxtonFX WebsiteClick Here to Visit Payem Website
Card TypeMastercardVISA
Offers Physical Cards?YesYes
Offers Virtual Cards?YesYes
Offers Prepaid Cards?YesYes
Cashback Plans?NoNo
Plans for Freelancers?NoYes
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesYes

CaxtonFX vs Payem Cost

CaxtonFX PricingPayem Pricing
CaxtonFXPayem
Free Plan?NoNo
Free Trial?NoNo
Cheapest Plan Price Per MonthPricing Not On WebsitePricing Not On Website
Mid Plan Price Per MonthNot ApplicableNot Applicable
Top Plan Price Per MonthNot ApplicableNot Applicable
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

CaxtonFX vs Payem Features

CaxtonFX FeaturesPayem Features

CaxtonFX Features

Standard

No Features Listed On Website

No Mid-Tier Plan

Not Applicable

Not Top Plan

Not Applicable

CaxtonFX Accounting Software Integrations

  • Xero
  • Quickbooks

Payem Features

Standard

No Features Listed On Website

No Mid-Tier Plan

Not Applicable

Not Top Plan

Not Applicable

Payem Accounting Software Integrations

  • NetSuite
  • Quickbooks

CaxtonFX vs Payem Features Comparison

CaxtonFXPayem
Apple Pay CompatibleYesYes
Google Pay CompatibleYesYes
Expense ClaimsYesYes
Expense ReimbursementsYesYes
APIYesYes
Access Controls/PermissionsNoYes
ReconciliationsYesYes
Approval Process ControlNoYes
Budget ControlYesYes
Expense CategorisationNoYes
Compliance ManagementYesYes
Customizable Fields NoYes
Fraud DetectionYesYes
Multi-Currency CardsYesYes
Mileage TrackingNoYes
Mobile Receipt UploadNoYes
Real Time Notifications & ReportingNoYes
Receipt ManagementYesYes
Spend ControlYesYes
Travel Management YesYes

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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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