QuickBooks Online

Brex

Paid

Brex is a spend management platform built around corporate cards, expense tracking and travel. Cards can be issued with limits by team or project, receipts and memos are collected at the point of sale, and accounting integrations sync transactions. Bill pay, reimbursements and travel booking are available on the platform, with controls for approvals and budgets. It is aimed at venture-backed and growing companies, and eligibility depends on the business profile. Pricing has changed over time, with some features free and others requiring a paid plan, so confirm current terms before switching.

Ramp

Freemium

Ramp combines corporate cards with spend management. Employees get cards with policy limits, receipts are captured and matched automatically, and approvals route by amount or category. The platform syncs to accounting systems, tracks subscriptions, and can negotiate or flag software spend. A free tier covers core card and expense features, with paid products for procurement, travel and treasury. It is aimed at companies that want control over spending without a separate expense tool. Availability and rewards depend on the country and underwriting, so check eligibility before planning around it.

Xero

Paid

Xero is cloud accounting for small businesses and their accountants. It connects to bank accounts, imports transactions, reconciles them against invoices and bills, and produces tax and financial reports. Invoicing, quotes, expense claims and multi-currency support are built in, and the app marketplace covers payroll, inventory and industry-specific add-ons. Pricing is per month by plan, with tiers based on invoice volume and features, and a trial is available. It is strongest in markets where accountants standardize on it; check local payroll and tax support before committing.