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Tipalti vs Spenfi: Which Is The Better Company Expense Card?


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

Tipalti 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.

Tipalti HomepageSpenfi Homepage
 

Tipalti vs Spenfi Reviews

TipaltiSpenfi
Trustpilot Review Rating 2.63.8
Number of Trustpilot Reviews92
iPhone App Rating5No Rating
Number of iPhone App Reviews2No Reviews
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

Tipalti vs Spenfi Key Details

TipaltiSpenfi
WebsiteClick Here to Visit Tipalti WebsiteClick Here to Visit Spenfi Website
Card TypeMastercardVISA
Offers Physical Cards?YesYes
Offers Virtual Cards?YesYes
Offers Prepaid Cards?YesNo
Cashback Plans?YesYes
Plans for Freelancers?NoYes
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesYes

Tipalti vs Spenfi Cost

Tipalti PricingSpenfi Pricing
TipaltiSpenfi
Free Plan?NoYes
Free Trial?NoNo
Cheapest Plan Price Per Month£119.00£199.00
Mid Plan Price Per MonthNot Applicable£399.00
Top Plan Price Per MonthNot ApplicableFree*
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

Tipalti vs Spenfi Features

Tipalti FeaturesSpenfi Features

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

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

Tipalti vs Spenfi Features Comparison

TipaltiSpenfi
Apple Pay CompatibleNoYes
Google Pay CompatibleNoYes
Expense ClaimsYesYes
Expense ReimbursementsYesYes
APIYesYes
Access Controls/PermissionsYesNo
ReconciliationsYesNo
Approval Process ControlYesNo
Budget ControlYesYes
Expense CategorisationNoNo
Compliance ManagementYesNo
Customizable Fields NoNo
Fraud DetectionYesYes
Multi-Currency CardsYesYes
Mileage TrackingNoYes
Mobile Receipt UploadNoYes
Real Time Notifications & ReportingYesYes
Receipt ManagementNoYes
Spend ControlYesYes
Travel Management YesNo

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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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