Payem and Spenfi 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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Payem vs Spenfi Reviews
| Payem | Spenfi | |
| Trustpilot Review Rating | No Rating | 3.8 |
| Number of Trustpilot Reviews | No Reviews | 2 |
| 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 |
Payem vs Spenfi Key Details
| Payem | Spenfi | |
| Website | Click Here to Visit Payem Website | Click Here to Visit Spenfi Website |
| Card Type | VISA | VISA |
| Offers Physical Cards? | Yes | Yes |
| Offers Virtual Cards? | Yes | Yes |
| Offers Prepaid Cards? | Yes | No |
| Cashback Plans? | No | Yes |
| Plans for Freelancers? | Yes | Yes |
| Plans for Small Business? | Yes | Yes |
| Plans For Medium Business? | Yes | Yes |
| Enterprise Plans? | Yes | Yes |
Payem vs Spenfi Cost
 |  |
| Payem | Spenfi | |
| Free Plan? | No | Yes |
| Free Trial? | No | No |
| Cheapest Plan Price Per Month | Pricing Not On Website | £199.00 |
| Mid Plan Price Per Month | Not Applicable | £399.00 |
| Top Plan Price Per Month | Not Applicable | Free* |
Payem vs Spenfi Features
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Payem Features
Standard
No Features Listed On Website
No Mid-Tier Plan
Not Applicable
Not Top Plan
Not Applicable
Payem Accounting Software Integrations
Spenfi Features
Cards
- Virtual and physical Visa cards
- EUR, GBP & USD accounts
- Streamlined expense management
- Invoices, receipts & purchase orders management
- Smart subscriptions management
- Connect 2500+ bank accounts
- Apple Pay, Google Pay
Enterprise
- Virtual and physical Visa cards
- EUR, GBP & USD accounts
- Streamlined expense management
- Invoices, receipts & purchase orders management
- Smart subscriptions management
- Connect 2500+ bank accounts
- Apple Pay, Google Pay
- Pre-accounting OCR in 60+ languages
- Bulk payments
- Reimbursements management
- Smart inbox for receiving documents
- Supplier management
- Customer Success Specialist
Custom
- Virtual and physical Visa cards
- EUR, GBP & USD accounts
- Streamlined expense management
- Invoices, receipts & purchase orders management
- Smart subscriptions management
- Connect 2500+ bank accounts
- Apple Pay, Google Pay
- Pre-accounting OCR in 60+ languages
- Bulk payments
- Reimbursements management
- Smart inbox for receiving documents
- Supplier management
- Customer Success Specialist
- Multi-entity management
- Custom Integrations and APIs
- Dedicated 24/7 Customer Success Specialist
- Online onboarding sessions
Spenfi Accounting Software Integrations
- Xero
- Quickbooks
- Datev
- Exact Online
Payem vs Spenfi Features Comparison
| Payem | Spenfi | |
| Apple Pay Compatible | Yes | Yes |
| Google Pay Compatible | Yes | Yes |
| Expense Claims | Yes | Yes |
| Expense Reimbursements | Yes | Yes |
| API | Yes | Yes |
| Access Controls/Permissions | Yes | No |
| Reconciliations | Yes | No |
| Approval Process Control | Yes | No |
| Budget Control | Yes | Yes |
| Expense Categorisation | Yes | No |
| Compliance Management | Yes | No |
| Customizable Fields | Yes | No |
| Fraud Detection | Yes | Yes |
| Multi-Currency Cards | Yes | Yes |
| Mileage Tracking | Yes | Yes |
| Mobile Receipt Upload | Yes | Yes |
| Real Time Notifications & Reporting | Yes | Yes |
| Receipt Management | Yes | Yes |
| Spend Control | Yes | Yes |
| Travel Management | Yes | No |
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