5 Yokoy Alternatives For Startups in 2025

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.

However, Yokoy 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, PayEm, Mesh, SAP Concur, BILL Spend & Expense—each offering unique advantages to meet different business requirements.

5 Alternatives to Yokoy

1) Overall Pick: Rho

At Rho, we are dedicated to providing a comprehensive suite of financial services tailored to businesses of all sizes. Our platform is designed to streamline financial operations, making it easier for founders and finance teams to manage cash, control expenses, and automate various financial tasks.

Rho Key Features

• Business Banking: Provides tools to manage operating cash without annoying ACH fees and offers 24/7 customer support.
• Corporate Credit Cards: Allows real-time monitoring of corporate spend and automates expense accounting.
• Expense Management: Captures every receipt and eliminates the need for traditional expense reports.
• Rho Bill Pay: Facilitates quick payments to multiple vendors without incurring platform fees.
• Rho Treasury: Offers a way to earn interest on idle cash with a variable yield based on market rates.
• Rho Integrations: Ensures seamless integration with existing accounting, HR, and T&E software.
• Rho Partner Portal: Provides a specialized platform for accounting partners to enhance their service offerings.

While Yokoy's AI-powered spend management platform is impressive, Rho's Bill Pay stands out by allowing businesses to pay hundreds of vendors in minutes with zero platform fees, a feature that offers a significant advantage over Yokoy's more manual processes.

Rho Pricing

We offer a straightforward and transparent pricing structure designed to make your financial management as simple as possible. Many of our core services are free to use, ensuring you can focus on growing your business without worrying about hidden costs.

Here’s a breakdown of our pricing:

• Same-Day ACH fees: No fees for same-day ACH transactions.
• Wire fees: No fees for wire transfers, except for international wires which may incur additional fees.
• Monthly plans: No charges for accessing essential accounting integrations.
• Support fees: Free live support from Day 1 without any monthly plans.
• Subscription fees: No subscription fees for using the platform.
• Checking account minimum fees: No minimum fees for checking accounts.
• Connected, in-platform capabilities: Free access to AP, Expense, and Accounting Automation.
• Per-user fees: No fees per user.
• 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 is everything a corporate card program should be. Easy reporting of company expenses, seamless sync with Quickbooks Online, and excellent customer support."
• "From day one, using Rho has been simple and straightforward. Easy expense tracking and reminders for receipt uploads."
• "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."

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

Source: Rho Reviews & Product Details

2) PayEm

PayEm is a global spend and procurement platform designed to streamline financial processes and promote accountability within organizations. It offers tools for customized requests, budget control, AI-powered invoice processing, and corporate cards, all integrated into a single platform to enhance transparency and efficiency.

PayEm Key Features

PayEm offers a range of features designed to streamline financial processes and enhance organizational efficiency.

• Customized Requests: Connects request forms directly to the ERP, capturing employee demand to enhance compliance, transparency, and auditability.
• AI-Powered Invoice Processing: Automates invoice management to free up time, enhance accuracy, and sync data with the ERP.
• Corporate Cards: Offers control over organizational spending, streamlines receipt management, and integrates with digital wallets for real-time budgeting.
• Effortless Customization: Adapts employee request forms to unique needs, including custom fields and company protocols.
• Agile Communication: Enables request tracking and approval through Slack and email, enhancing compliance and efficiency.

PayEm Pricing

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

Drawbacks To PayEm

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

• "The virtual cards work flawlessly with online retailers - a game-changer for those of us in Sub-Saharan Africa." - Donovan M.
• "PayEm is fantastic. Our company allocates a certain budget for tools that we can subscribe to." - John A.

Source: PayEm Reviews on G2

3) 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 with advanced spend controls, approvals, and accounting automations.
• Agnostic Travel Management: Offers flexibility with online, offline, and direct booking, along with real-time spend controls and policy enforcement.
• Global Corporate Cards: Smart cards with embedded compliance and AI-powered receipt collection in local currencies.
• AI-Driven Compliance & Automation: Simplifies travel and expense management with AI-powered automation for receipt collection, data extraction, and accurate coding.
• Real-Time Reporting: Provides real-time dashboards to track and control every dollar spent.

Mesh Pricing

Mesh offers tiered pricing plans to cater to different business needs, from free basic management to custom solutions for complex enterprise requirements.

• Pro: Free plan for managing, controlling, and automating global spend management.
• Premium: $10 per user, per month for tools to control and scale spend management.
• Enterprise: Custom pricing for complete spend and travel control, adaptable to complex needs.

Drawbacks To Mesh

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

• "The process at my organization was painless from requesting a card, to approvals, and using it for payment." - Verified User
• "Reduced the amount of manual work I was doing on reimbursements each month. Allowed for much easier way of keeping track of which budget each expense belongs to." - Shifra S.

Source: Mesh Payments Reviews 2025: Details, Pricing, & Features | G2

4) SAP Concur

SAP Concur is a suite of software solutions designed to manage expenses, travel, and invoices for businesses. It aims to automate spending processes, helping businesses run efficiently by connecting financial data and providing real-time insights into spending.

SAP Concur Key Features

SAP Concur offers a range of features designed to automate and streamline expense, travel, and invoice management processes. Here are some of the most notable features:

• Concur Expense: A tool that allows users to submit and manage expenses from any location.
• Concur Invoice: Software designed to automate and integrate accounts payable processes.
• Concur Travel: A solution to capture and manage travel bookings regardless of where they are made.
• Concur Detect: A feature that helps in identifying and preventing expense fraud.
• Concur Request: Manages and streamlines travel request processes.

For more information, visit the official SAP Concur website.

SAP Concur Pricing

SAP Concur provides customized pricing based on specific business needs and solution interests.

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

Drawbacks To SAP Concur

General user reviews of SAP Concur highlight its efficiency and integration capabilities but also note issues with performance and user interface complexity.

• "The software is efficient for expense tracking, but the interface is outdated and not user-friendly." - Michael S.
• "While SAP Concur integrates well with other systems, it often runs slow and requires frequent page reloads." - Jason B.

Source: SAP Concur Reviews 2025: Details, Pricing, & Features | G2

5) BILL Spend & Expense

BILL Spend & Expense is a comprehensive expense management solution that combines a powerful company card with free software to streamline reporting and give users more control over their spending. It offers tools for business credit, budget management, mobile app usage, virtual cards, and reimbursements, aiming to simplify financial operations and enhance control over business finances.

BILL Spend & Expense Key Features

Here are some of the most notable features of BILL Spend & Expense:

• Free Software with Flexible Credit: The software is free with no hidden fees or contracts, and offers flexible credit options.
• Real-Time Visibility and Control: Provides real-time visibility and customizable control over business finances.
• Rewards Program: Offers various rewards like cash back, travel, statement credit, and gift cards.
• Comprehensive Integrations: Integrates with popular accounting software like Intuit QuickBooks, Oracle NetSuite, and Sage Intacct.
• Mobile App: A highly-rated, full-featured mobile app for all users to manage expenses on the go.

For more information, visit the official BILL Spend & Expense website.

BILL Spend & Expense Pricing

BILL Spend & Expense offers a free-to-use model for both businesses and accountants, with no monthly user fees.

• Essentials: Basic AP/AR features with manual integration, starting at $45/user/month.
• Team: Granular AP/AR controls with automatic sync, starting at $55/user/month.
• Corporate: Advanced AP/AR management with customization, starting at $79/user/month.
• Enterprise: Custom pricing for enhanced security and multi-location capabilities.
• Spend & Expense (Free): Free software for managing spend and expenses with corporate cards.

Drawbacks To BILL Spend & Expense

General user reviews of BILL Spend & Expense highlight its ease of use and real-time visibility, but some users have noted issues with customer support and integration.

• "The software is easy to use, but customer support is often slow to respond and not very helpful." - Josh K.
• "Integration with our accounting software has been problematic, causing delays and errors in expense tracking." - Angie K.

Source: BILL Spend & Expense Reviews 2025: Details, Pricing, & Features | G2

How to select the right Yokoy alternative?

Tips for Selecting the Right Yokoy Alternative:

• Identify Your Needs: Assess your business requirements and 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 software.
• Consider Pricing: Look for transparent pricing structures without hidden fees. Rho, for instance, offers many core services for free, which can be a significant advantage.
• Check User Reviews: Read user feedback to understand the pros and cons of each platform. Rho's positive reviews highlight its ease of use and excellent customer support.
• Test Customer Support: Reliable customer support is crucial. Opt for platforms that offer 24/7 assistance to resolve issues promptly.
• Request a Demo: Before making a decision, request a demo to see the platform in action and ensure it meets your expectations.

Getting started with the best Yokoy alternative

Choosing the right financial management platform is crucial for your business's success. While all the alternatives to Yokoy offer unique advantages, we believe Rho stands out for its comprehensive suite of services and user-friendly experience. Whether you're a startup or an established enterprise, Rho's integrated banking platform can streamline your financial operations and help you achieve your business goals.

If you're ready to see how Rho can transform your financial management, we encourage you to request a demo today. Experience firsthand why so many businesses prefer Rho for their financial needs.