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The spend management platform for mid-size teams (customizable virtual cards, budgeting, auto-reconciling, and expense reimbursement).
Ramp is the best alternative for mid-sized to larger U.S. based businesses that care about efficiency, control, and serious accounting automation.
Ramp wins on operational intelligence and next-level automation. If your business has $25K+ in the bank, you unlock one of the most powerful spend platforms available.
You get detailed insights, customizable virtual cards, seamless reimbursement workflows, and native integrations with a wide range of accounting tools, not just QuickBooks Online, but also Kick (our top pick accoutning software).
Ramp is built for scaling teams that want deep visibility into company spend and proactive savings suggestions like flagging duplicate tools or overpriced SaaS plans. Compared to competitors like Brex, Airbase, or traditional corporate cards (Amex, Chase), Ramp wins on simplicity, transparency, and actual speed.
BILL Spend & Expense (Formerly Divvy) The spend management platform for teams of all sizes (customizable virtual cards, budgeting, auto-reconciling, and expense reimbursement).
BILL Spend & Expense is our top alternative for small to medium-sized businesses looking for an expense management solution in the US.
The reason is that they don’t have bank minimums, making them super accessible.
While Ramp and Brex often gatekeep with higher revenue or funding requirements, BILL removes the friction with no bank minimums, making it a standout for small but growing teams and mid-sized businesses that want enterprise-level control without the enterprise software.
We have personally used BILL Spend & Expense for many years, and Alex even got his stepdad's construction business to use it as well. We’re fans!
The modern business bank built for teams of all sizes. What if you could actually enjoy your bank? With Mercury, you will.
Rippling lets you easily manage your employees’ payroll, benefits, expenses, corporate cards, bill pay, & more—in one place. The majority of our coverage is focused on their Rippling Spend product.
Rippling lets you easily manage your employees’ payroll, benefits, expenses, corporate cards, bill pay, & more—in one place. The majority of our coverage is focused on their Rippling Spend product.
Airwallex is the best expense management, virtual credit card, and payment platform for global businesses (primarily those based outside of the US, or with global payment needs). Where Wise is more for personal and freelance use, and Revolut Business still feels a bit too consumer-y, Airwallex is built for global business banking.
If you are transacting internationally, it truly is the best out there because you can open local bank accounts (with actual local account numbers) in over 60 countries. You can hold and spend that money in its native currency without getting hammered by forced FX conversions. That alone solves one of the biggest pain points in international business banking.
On top of that, Airwallex powers global payouts to over 150 countries and 60+ currencies, with FX rates that consistently beat traditional banks.
We’ve personally used Airwallex to pay contractors our video editor in Australia, and from the vendor side we had a fantastic experience. We paid in USD like he was in our own backyard.
Airwallex has become our go-to recommendation for any business that operates globally or wants to.
So if you're looking for a modern, scalable solution for global banking, Airwallex is in a league of its own. Wise and Payoneer might be your first step—but Airwallex is what you grow into when your business needs a real financial infrastructure that works worldwide.
If you're in the US and you don't deal with multiple currencies, then we recommend checking out these expense management solutions instead.
Rippling lets you easily manage your employees’ payroll, benefits, expenses, corporate cards, bill pay, & more—in one place. The majority of our coverage is focused on their Rippling Spend product.
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