Spend & Bill Pay

Contents

1. 01WelcomeWhat these tools do, how many we grade and what to know before choosing
2. 02Our top threeThe three we'd look at first, and who each one suits
3. 03What they costWhat paid plans start at, the best buy at each budget and the free plans
4. 04The gradesThe highest graded, and how the whole category does on each subject
5. 05Keep or make?Which are worth paying for, and which you could make yourself
6. 06Every toolAll of them, best graded first, with what each costs
7. 07Quick answersThe questions people ask when choosing, each answered in a line or two
8. 08About ToolGPAWho made this guide, what else is on the site, and how to cite it

ToolGPA put this guide together from each tool’s own pages, their app-store listings and our grades. Every fact in it is on the Spend & Bill Pay page too, where it is kept up to date. Checked Oct 18, 2026.

Pay supplier bills, hand out company cards and collect receipts without chasing anyone.

Before you choose, here are 7 things to know about spend and bill pay tools, worked out from every one we grade.

1. 1

   We grade 14 spend and bill pay tools

   10 of them are free or have a free plan, and 2 more let you try before paying. Everything in this guide comes from their own pages and our grades.

2. 2

   Paid plans start at $12 a month in the middle

   From $3 (Zoho Expense) to $49 (BILL), going by what each one's paid plans start at.

3. 3

   Best value: Expensify, Zoho Expense and Aspire

   Nothing on our chart scores higher than these without costing more.

4. 4

   12 of 14 have iPhone and Android apps

   14 run in a web browser and 0 have a Windows app. Check the one you need before you fall for anything.

5. 5

   The middle GPA is 2.8

   5 score 3.0 or higher. The highest is Brex, at 3.6.

6. 6

   Best free option: Brex

   Brex has the highest GPA of the free ones, 3.6. Corporate cards, expenses, bill pay and travel for growing companies.

7. 7

   14 worth keeping, 0 you could make

   By our keep-or-make rules, 14 do something you couldn't reasonably build yourself, 0 are simple enough to make with an AI app builder, and 0 are a close call.

Part 02 · Top three

Our top three

The three we'd look at first, and who each one suits

The three spend and bill pay tools we'd look at first. First place suits the most people; second and third are the best picks for the people it leaves out. Each has an Insider's Guide of its own.

1. 1st

   

   3.6GPA

   Ramp

   Free plan · from $15/mo

   For: Most small companies

   Ramp's Free plan gives unlimited corporate cards with spending controls, receipts collected by text or Slack and matched to card spend, travel booking, bill pay by ACH, card, check or wire, invoicing and QuickBooks Online or Xero sync, with no user limit listed. It runs on the web, iPhone and Android, and its iPhone and iPad app averages 4.9 from about 47,000 ratings. Know the limits: the card is issued by Celtic Bank and needs credit approval, and NetSuite, Sage Intacct and multi-entity support need Plus at $15 a user a month plus a platform fee the pricing page does not state.

   The Ramp Insider’s Guide

2. 2nd

   

   3.2GPA

   Airwallex

   Free plan · from $12/mo

   For: Businesses that pay or spend in several currencies

   Airwallex gives a business accounts that hold more than 20 currencies, local transfers to over 120 countries and Visa cards with no foreign transaction fees, plus expenses, reimbursements, bill pay and invoicing. Explore has no monthly fee for up to 10 Spend users; Airwallex earns on conversion, 0.5% above the interbank rate for major currencies and 1% for others, and on SWIFT transfers at $15 to $25. Its iPhone and iPad app averages 4.8 from about 580 ratings. It is second because most small companies pay in one currency, where Ramp does the job free, and the eleventh Spend user moves you to Grow at $12 each plus a platform fee it does not publish.

   The Airwallex Insider’s Guide

3. 3rd

   

   3.0GPA

   Zoho Expense

   Free plan · from $3/mo

   For: Teams that only need staff expense reports

   Zoho Expense reads receipts with AI, builds expense reports, checks them against your policies and tracks mileage by GPS. The free plan covers 3 users with 20 receipt scans each a month, and Standard is $3 a user a month billed annually ($4 monthly), adding Visa and Mastercard card feeds and ACH reimbursements. Its iPhone and iPad app averages 4.8 from about 8,200 ratings. It is third because it does a smaller job than the two above: it lists no supplier bill pay, travel booking and per diems need Premium at $5 a user, and anyone who creates an expense or report is billed as a user.

   The Zoho Expense Insider’s Guide

Going by our grades, Expensify, Zoho Expense and Aspire give the most for the money among spend and bill pay tools: no tool on this chart scores higher without costing more.

Paid plans start at a middle price of $12 a month across the 12 that charge, from $3 (Zoho Expense) to $49 (BILL). 1 more costs nothing at all.

5 of the 13 score above the category's average while starting at or below its middle price. 2 cost more than the middle price and score below the average.

Every tool gets five grades, A to F, each with its reason, and a GPA that averages them. Here are the 12 highest graded spend and bill pay tools, then how the whole category does on each subject.

Tool	Value	Free	Features	Ease	Platforms	GPA
Brex	A	A	B	A	B	3.6
Ramp	A	A	B	A	B	3.6
Airwallex	A	B	B	B	B	3.2
Aspire	A	A	C	C	B	3.0
Zoho Expense	B	B	C	A	B	3.0
Expensify	C	C	B	B	A	2.8
Melio	B	B	C	B	B	2.8
Navan	C	B	C	A	B	2.8
Nickel	A	B	C	C	B	2.8
BILL	D	C	B	A	B	2.6
Rydoo	C	C	C	A	B	2.6
Plooto	C	C	C	C	B	2.2

Some software does something you couldn’t reasonably build yourself. Some is simple enough that an AI app builder could make the core of it in an afternoon. Here’s where spend and bill pay tools land, by the same rules for every tool.

• 14

  Keep it

  It does something you could not reasonably make for yourself, or it costs nothing.

• 0

  Your call

  You could make the core of it, and you would give something up.

• 0

  You could make this

  What it does is the kind of thing an AI app builder makes well, and it charges every month.

Every spend and bill pay tool we grade, with its GPA and what it costs. Each one has a page of its own on toolgpa.com, with its Insider’s Guide.

1. 1BrexFree plan · from $12/mo3.6
2. 2RampFree plan · from $15/mo3.6
3. 3AirwallexFree plan · from $12/mo3.2
4. 4AspireFree3.0
5. 5Zoho ExpenseFree plan · from $3/mo3.0
6. 6ExpensifyFree plan · from $5/mo2.8
7. 7MelioFree plan · from $20/mo2.8
8. 8NavanFree plan · from $15/mo2.8
9. 9NickelFree plan · from $35/mo2.8
10. 10BILLFree plan · from $49/mo2.6
11. 11RydooFree trial · from $9/mo2.6
12. 12PlootoFree trial · from $9/mo2.2
13. 13SpendeskPaid2.2
14. 14PleoFrom $12/mo1.8

ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.

ToolGPA is free to read. It may earn a commission from affiliate links and it works with sponsors, but anything paid for is labelled and no one can pay for a grade. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.

• 2,021

  tools graded

• 54

  categories

• 426

  price changes on record

• 579

  apps priced in 12 countries