5 Spenmo Alternatives For Startups in 2025

Spenmo is a company that empowers businesses with enhanced visibility and control to automate their spend management processes. They offer services such as bill management, corporate debit cards, reimbursements, and accounting software integration.

However, Spenmo doesn’t fit all companies’ needs, and some businesses find it lacking in essential features or flexibility. If you’re looking for a better fit, we’ve rounded up five top alternatives—Rho, Yokoy, PayEm, Mesh, SAP Concur—each offering unique advantages to meet different business requirements.

5 Alternatives to Spenmo

1) Overall Pick: Rho

At Rho, we are dedicated to providing a comprehensive financial platform that supports businesses from their inception to their growth into large enterprises. Our goal is to help founders and finance teams manage their finances more efficiently, ensuring they have the tools they need to succeed at every stage of their journey.

Rho Key Features

• Rho Platinum: Offers up to 2% cashback¹ on transactions, providing financial incentives for business spending.
• Rho Bill Pay: Automates accounts payable processes, allowing payments to hundreds of vendors in minutes with zero platform fees.
• Rho Treasury: Manages idle cash by providing a dynamic yield, maximizing returns on unused funds.
• Expense Management: Eliminates the need for manual expense reports by capturing every receipt and ensuring compliance.
• Rho Partner Portal: A specialized platform for accounting partners to manage client finances efficiently.
• Rho Integrations: Seamlessly integrates with accounting, HR, and T&E software, streamlining business operations.
• 24/7 Private Banking Support: Provides continuous customer support to address all banking needs at any time.

While Spenmo offers robust spend management features, Rho Bill Pay stands out by enabling payments to hundreds of vendors in minutes without any platform fees, a feature that significantly enhances efficiency compared to Spenmo's offerings.

Rho Pricing

We offer a straightforward and transparent pricing structure designed to save you money. Many of our core services are free to use, making it simple to understand and manage your finances.

• $0 Same-Day ACH fees: No fees for same-day ACH transactions.
• $0 Wire fees: No fees for wire transfers, except for international wires which may incur additional fees.
• $0 Monthly plans: No monthly subscription fees for accessing Rho's services.
• $0 Support fees: Free live support from day one without any additional charges.
• $0 Subscription fees: No subscription fees for using Rho's platform.
• $0 Checking account minimum fees: No minimum balance fees for checking accounts.
• $0 Connected, in-platform capabilities: Free access to AP, Expense, and Accounting Automation features.
• $0 Per-user fees: No fees per user for accessing the platform.
• 1% Foreign currency transfer: A 1% fee on foreign currency transfers.

You can find all the details about our pricing here.

Why Users Prefer Rho

Don’t just take our word for it—hear directly from Rho’s customers. Here’s what real users have to say about why they prefer Rho over other solutions:

• "Rho offers our users a one-touch experience for reporting company expenses on a corporate card. The text alert at the point of purchase means before they leave the counter or stand up from the table, the expense report item can be completed."
• "The company implementation of Rho was easy and took less than 2 hours. We sync with Quickbooks Online seamlessly, which has saved the finance department 60 hours per month and delayed a planned headcount addition indefinitely."
• "Rho allows a single person to take care of the entire company's finances quickly - everything from checking account, AP, expenses, to treasuries."

Want a firsthand look at Rho? You can request a free demo here.

For more user reviews, visit Rho Reviews & Product Details.

2) Yokoy

Yokoy is an AI-powered spend management platform designed to control, optimize, and streamline finance operations by managing invoices, expenses, and payments on a single platform. The suite includes modules for invoice management, expense management, and business payments, leveraging AI to automate processes, ensure compliance, and provide real-time spend data.

Yokoy Key Features

Yokoy offers a range of features designed to streamline and optimize financial operations through AI-powered automation and real-time data insights.

• Intelligent Automation: Self-learning AI that adapts to the company's workflows.
• Control without Complexity: Admin controls, workflows, and AI-powered verification to ensure compliance.
• End-to-End Visibility: Audit-proof data trail for invoices, receipts, and transactions.
• Custom Workflows: No-code drag-and-drop workflow builder for finance teams.
• Spend Analytics: Real-time tracking and reporting of company spend.

Yokoy Pricing

Yokoy's pricing is not public. Contact their support for more info.

Drawbacks To Yokoy

General user reviews of Yokoy highlight its efficiency and user-friendly interface, but some users have noted issues with the app experience and invoice cancellation.

• "The app experience is not on the same level as the desktop portal, which can be frustrating." - Patrick H.
• "Struggles with canceling already handed-over invoices have been a recurring issue." - Korin C.

For more detailed reviews, visit Yokoy Reviews 2025: Details, Pricing, & Features | G2.

3) PayEm

PayEm is a comprehensive spend management and procurement platform that streamlines financial processes, promotes accountability, and empowers organizations to make informed decisions for optimal efficiency and success. The platform integrates with ERP and HR systems, offering tools for customized requests, budget control, AI-powered invoice processing, and corporate cards.

PayEm Key Features

• AI-Powered Invoice Processing: Automates invoice management to enhance accuracy and productivity.
• Customized Requests: Tailors request forms to specific organizational needs, enhancing compliance and transparency.
• Corporate Cards with Real-Time Budgeting: Distributes corporate cards with features like receipt management and digital wallet integration.
• Effortless Customization: Allows for easy customization of forms and workflows without extensive IT support.
• Comprehensive Platform: Consolidates all requests and approvals in one place, streamlining processes and enhancing transparency.

PayEm Pricing

PayEm's pricing is not public. Contact their support for more info.

Drawbacks To PayEm

General user reviews of PayEm highlight its efficiency and ease of use, but some users have noted issues with card management and the onboarding process.

• "The platform is user-friendly, but we faced challenges with card management, which affected our workflow." - J.S.
• "PayEm streamlined our expense tracking, though the onboarding process was more complex than expected." - M.L.

For more detailed reviews, visit PayEm Reviews 2025: Details, Pricing, & Features | G2.

4) Mesh

Mesh Payments is a global enterprise travel and expense management solution that integrates corporate cards, expense management, and travel bookings into a single system. It provides real-time visibility into spending, promotes compliance, and reduces costs with AI-powered automation and customizable policies.

Mesh Key Features

Mesh Payments offers a range of features designed to streamline travel and expense management for global enterprises. Here are some of the most notable features:

• Expense Management Automation: Centralizes and controls expenses in real-time for all global entities with advanced spend controls, approvals, and accounting automations.
• Agnostic Travel Management: Provides complete travel and expense management flexibility with online, offline, and direct booking, along with real-time spend controls and policy enforcement.
• Global Corporate Cards: Offers smart corporate cards with embedded compliance and AI-powered receipt collection, available in local currencies.
• AI-Driven Compliance & Automation: Simplifies and streamlines travel and expense management with AI-powered automation, from receipt collection to accurate coding for tax and compliance.
• Real-Time Spend & Travel Data: Provides real-time dashboards to track and control every dollar spent, consolidating data across the entire company or individual entities.

Mesh Pricing

Mesh offers tiered pricing plans to cater to different business needs, from free to custom enterprise solutions.

• Pro: Manage, control, and automate global spend management.
• Premium: Tools to control and scale spend management and operations.
• Enterprise: Complete spend and travel control with flexibility for complex needs.

Drawbacks To Mesh

General user reviews of Mesh highlight its efficiency and user-friendly interface, but some users have noted issues with card acceptance and technical glitches.

• "Great tool for managing expenses while traveling. It makes managing payments very easy and seamless." - Verified User
• "Some merchants do not accept the card, and I have to upload receipts multiple times." - Shifra S.

For more detailed reviews, visit Mesh Payments Reviews 2025: Details, Pricing, & Features | G2.

5) SAP Concur

SAP Concur is a comprehensive software solution designed to help businesses manage their expenses, travel bookings, and invoice processing. It offers a range of products and services aimed at automating and simplifying financial processes, integrating with various other systems, and providing data insights to help businesses make informed decisions.

SAP Concur Key Features

Here are some of the most notable features of SAP Concur:

• Concur Expense: A tool for submitting and managing business expenses from any location.
• Concur Invoice: A solution that automates and integrates the accounts payable process to streamline financial operations.
• Concur Travel: A system that captures and consolidates travel booking data from various sources.
• Concur Detect: A feature designed to identify and prevent expense fraud through automated detection mechanisms.
• Concur TripLink: A service that connects and consolidates travel data from multiple booking platforms for comprehensive travel management.

SAP Concur Pricing

SAP Concur provides customized pricing based on the specific needs and details of the business.

• Travel & Expense: Comprehensive solution for managing both travel bookings and expense reports.
• Expense Only: Solution focused solely on managing and automating expense reports.
• Invoice: Solution for managing and automating invoice processing.

Drawbacks To SAP Concur

General user reviews of SAP Concur highlight its efficiency and integration capabilities but frequently mention issues with complexity and slow performance.

• "The software is powerful but can be overly complex and not very intuitive, which slows down our processes." - Michael S.
• "While it integrates well with other systems, the user interface feels outdated and clunky." - Jason B.

For more detailed reviews, visit SAP Concur Reviews 2025: Details, Pricing, & Features | G2.

How to select the right Spenmo alternative?

• Identify Your Needs: Assess your business requirements to determine which features are essential for your financial operations.
• Evaluate Integration Capabilities: Ensure the platform integrates seamlessly with your existing accounting, HR, and T&E systems.
• Consider User Experience: Look for a user-friendly interface that simplifies financial tasks for your team.
• Check Pricing Transparency: Opt for a solution with clear and straightforward pricing to avoid unexpected costs.
• Review Customer Support: Reliable and accessible customer support can make a significant difference in your experience with the platform.
• Look for Comprehensive Features: Platforms like Rho offer a wide range of features, from AP automation to treasury management, making them a versatile choice.
• Read User Reviews: User feedback can provide valuable insights into the platform's performance and reliability. Many users have found Rho to be particularly effective in streamlining their financial operations.

Getting started with the best Spenmo alternative

Choosing the right spend management platform is crucial for optimizing your financial operations. While all the alternatives mentioned—Yokoy, PayEm, Mesh, and SAP Concur—offer robust features, we recommend Rho if you're looking for a comprehensive solution that integrates seamlessly with your existing systems and provides unparalleled support.

Ready to experience the benefits of Rho firsthand? Request a demo today and see how Rho can transform your financial management processes.