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


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

Rydoo 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.

Rydoo HomepagePayem Homepage
 

Rydoo vs Payem Reviews

RydooPayem
Trustpilot Review Rating 2.7No Rating
Number of Trustpilot Reviews4No Reviews
iPhone App Rating4.9No Rating
Number of iPhone App Reviews636No Reviews
Android App Rating4.7No Rating
Number of Android App Reviews3950No Reviews
Note these figures we’re taken from each company’s website and may have changed since publication

Rydoo vs Payem Key Details

RydooPayem
WebsiteClick Here to Visit Rydoo WebsiteClick Here to Visit Payem Website
Card TypeVISAVISA
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

Rydoo vs Payem Cost

Rydoo PricingPayem Pricing
RydooPayem
Free Plan?NoNo
Free Trial?YesNo
Cheapest Plan Price Per Month£7.00Pricing Not On Website
Mid Plan Price Per Month£9.00Not Applicable
Top Plan Price Per MonthCustom pricingNot Applicable
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

Rydoo vs Payem Features

Rydoo FeaturesPayem Features

Rydoo Features

Essentials

  • Mobile app with receipt scanner
  • Unlimited expenses
  • Mileage expenses
  • Basic integrations
  • Single approval flow
  • Local Legal & tax compliance
  • PDF/ Excel exports
  • Multi-country certified paperless expensing

Pro

  • Mobile app with receipt scanner
  • Unlimited expenses
  • Mileage expenses
  • Basic integrations
  • Single approval flow
  • Local Legal & tax compliance
  • PDF/ Excel exports
  • Multi-country certified paperless expensing
  • Per diems / daily allowances
  • Online accounting integrations
  • Automated transaction reconciliation
  • Customisable policies & rules
  • Multilevel approval flow
  • Customisable input fields
  • Custom bank transactions feed
  • Multi-country local compliance

Enterprise

  • Mobile app with receipt scanner
  • Unlimited expenses
  • Mileage expenses
  • Basic integrations
  • Single approval flow
  • Local Legal & tax compliance
  • PDF/ Excel exports
  • Multi-country certified paperless expensing
  • Per diems / daily allowances
  • Online accounting integrations
  • Automated transaction reconciliation
  • Customisable policies & rules
  • Multilevel approval flow
  • Customisable input fields
  • Custom bank transactions feed
  • Multi-country local compliance
  • SFTP Exports
  • API access (SAP, Oracle)
  • Ticket support service
  • Advanced approval workflows
  • Advanced Custom fields
  • Insights Management Dashboard
  • SAML Single Sign On (SSO)
  • HR connect

Rydoo Accounting Software Integrations

  • Xero
  • QuickBooks
  • Datev
  • Exact Online
  • Sage

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

Rydoo vs Payem Features Comparison

RydooPayem
Apple Pay CompatibleNoYes
Google Pay CompatibleNoYes
Expense ClaimsYesYes
Expense ReimbursementsYesYes
APIYesYes
Access Controls/PermissionsYesYes
ReconciliationsYesYes
Approval Process ControlYesYes
Budget ControlYesYes
Expense CategorisationNoYes
Compliance ManagementYesYes
Customizable Fields YesYes
Fraud DetectionYesYes
Multi-Currency CardsYesYes
Mileage TrackingYesYes
Mobile Receipt UploadYesYes
Real Time Notifications & ReportingYesYes
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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