The Cledara Insider’s Guide
Everything we know about Cledara in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Cledara
The Insider’s Guide
SaaS subscription management with virtual cards for finance teams
Every plan, grade, refund rule and rival among spend and bill pay tools, read from Cledara’s own pages.
Made by Cledara Limited · checked Nov 12, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Cledara’s own pages, its app-store listings and our grades. Every fact in it is on Cledara’s page too, where it is kept up to date. Checked Nov 12, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
1.6
GPA, above 2 of the 51 other spend and bill pay tools we grade
Cledara keeps one list of every software subscription a company pays for, with owner, cost, renewal date and card. It issues virtual cards for software payments, collects invoices, sets spend limits and approval workflows, and syncs to Xero, QuickBooks and NetSuite. Plans are priced by how many software applications you manage, and an AI agent that does admin inside each tool is sold as an add-on.
To get you started, here are 8 things to know about Cledara, taken from its own pages and our grades.
Cards, approvals and accounting links need connecting.
- 1
Best for SaaS subscription management with virtual cards
Cledara tracks and pays for a company's software, with virtual cards, approvals and accounting sync.
- 2
Paid plans start at $75 a month
As its pricing page puts it: $75 per month for up to 20 software applications.
- 3
It runs on Web
Web.
- 4
Software directory
Lists every SaaS and AI tool with its owner, users, cost, renewal date and the card used to pay for it.
- 5
Virtual cards and payments
Free virtual cards pay for software, with spend limits and budgets per tool, and a way to manage and cancel subscriptions.
- 6
Purchasing and approvals
Premium adds purchasing and approval workflows and automatic capture and matching of software invoices.
- 7
A 1.6 GPA, above 2 of 51
That is against the other spend and bill pay tools we grade, on value, the free plan, features, ease of use and platforms.
- 8
Keep it
To replace Cledara you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
Cledara at a glance
- Pricing
- Paid, from $75 per month for up to 20 software applications
- Free plan
- No
- Free trial
- None stated
- Runs on
- Web
- Made by
- Cledara Limited, since 2018
- Category
- Spend & Bill Pay
- Our grade
- 1.6 GPA, weak
The report card
Best for SaaS subscription management with virtual cards
Cledara tracks and pays for a company's software, with virtual cards, approvals and accounting sync. Basic is $75 a month for up to 20 apps, which is dear for this category, and it covers software spend only.
| Subject | Grade | Comment |
|---|---|---|
| Value for money | D | $75 a month for up to 20 apps against a category middle of $12, and the dearest tenth starts at $60. Add-ons are extra, and a single user pays the same. |
| Free plan and trial | F | Nothing free: no free plan and no trial are on record for this listing. |
| Features | C | Software directory, virtual cards, approvals and accounting sync. But it covers software spend only, and plans cap the number of apps. |
| Ease of use | C | No store rating on record. Cards, approvals and accounting links need connecting. |
| Platforms and integrations | B | Web only on the listing, with Xero, QuickBooks, NetSuite, Okta and HubSpot. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
Who Cledara is for
- Fits if you want one place for software renewals and cards
- Works for finance teams that use Xero, QuickBooks or NetSuite
Who it is not for
- Pricey if you are small: $75 a month covers up to 20 apps
- Tight if you have many apps, as Premium is capped at 75
- Not for you if you want travel or general expenses, as it covers software only
- Watch out: Cledara Agent jobs are $200 a month each, and some modules $150 a month
Good to know
Good for
- Finance teams that want one place to pay for and track software
- Companies with many small SaaS subscriptions and no clear owner for each
- Teams that need approvals before anyone buys a new tool
Worth knowing
- Plans are capped by application count: Basic at 20 software applications and Premium at 75.
- Add-ons are priced separately: Cledara Agent jobs are $200 a month each, and Spend Optimisation and IT Management are $150 a month each.
- Cledara covers software spend only; it is not a general expense or travel tool.
- The pricing page showed pounds to our reader; the dollar figures here match the page's own USD price data.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
$75
A month to start
Cledara is a paid product, starting at $75 per month for up to 20 software applications.
Add-ons are extra, and a single user pays the same.
Basic
$75
per month for up to 20 software applications
Software directory, renewal alerts, spend limits and budgets, free virtual cards, unlimited API access, and Xero and QuickBooks sync.
Premium
$200
per month for up to 75 software applications
Adds purchasing and approval workflows, invoice capture, advanced reporting, NetSuite, Okta single sign-on and 1% first-year cashback.
Pro
$500
per month and up
A package built to order on top of Premium, adding bank-transfer expense payments and a dedicated implementation manager.
Read from cledara.com on Nov 12, 2026.
Ways to pay less
Annual discount
Save 16% with yearly billing
The pricing page shows a Yearly toggle saving 16%: Basic costs $750 a year and Premium $2,000 a year instead of monthly billing.
Stated on cledara.com
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
1
Place it runs: Web
SaaS subscription management with virtual cards for finance teams. Here is what it does, as its own site describes it, and what it covers: public API, AI features, workflow automation, reports, expense tracking, company cards.
Software directory, virtual cards, approvals and accounting sync.
- Software directory
- Lists every SaaS and AI tool with its owner, users, cost, renewal date and the card used to pay for it.
- Virtual cards and payments
- Free virtual cards pay for software, with spend limits and budgets per tool, and a way to manage and cancel subscriptions.
- Purchasing and approvals
- Premium adds purchasing and approval workflows and automatic capture and matching of software invoices.
- Accounting sync
- Payments sync to Xero and QuickBooks on every plan, with the right account codes; NetSuite is on Premium.
- Cledara Agent
- An add-on that signs in to connected tools to collect invoices or manage joiners and leavers, with the user approving each change.
- Spend and IT modules
- Optional modules cover usage and seat insights, duplicate-tool and price-increase alerts, and IT access and security risks.
Where it runs
- Web
What it works with
- Xero
- QuickBooks
- NetSuite
- Okta
- HubSpot
Cledara is made by Cledara Limited, and has been around since 2018.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
2/51
Other spend and bill pay tools it is graded above
Cledara's GPA of 1.6 is higher than 2 of the 51 other spend and bill pay tools we grade, and level with 4.
It stands best on platforms and integrations (B, above 9 of 51) and worst on free plan and trial (F, above 0).
Its paid plans start at $75 a month, against a middle price of $12 for the category: 23 of the 24 others that charge start lower.
On features, ease of use and platforms it scores 2.3 out of 4. 13 tools score higher and cost less.
Each grade against the category
Every bar is all 52 spend and bill pay tools we grade, cut by the letter each got. Cledara’s own letter is outlined.
- DValue for moneyAbove 0 of 51
- FFree plan and trialAbove 0 of 51
- CFeaturesAbove 3 of 51
- CEase of useAbove 0 of 51
- BPlatforms and integrationsAbove 9 of 51
Price against what you get
Each dot is one of 26 spend and bill pay tools. Further left costs less; higher up scores better on features, ease of use and platforms. Cledara is the marked dot.
What paid plans start at, a month (each step along is roughly double) →
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
Keep it
To replace Cledara you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
That makes this kind of software worth paying for, not this one in particular: 45 of the 51 other spend and bill pay tools grade higher. It costs $900 a year.
What you could make
- Expense tracking and reports: an app builder makes these well.
What you could not
- Cards issued through a bank.
- Connections to other products, each kept working as those products change.
- AI features, unless you pay a model provider for each request yourself.
What this rests on. Cledara’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Vendr, Ramp, Brex, Zip and Procurify
The 5 tools Cledara is most often weighed against, with where each one differs from it.
- 1.4GPA
Vendr
Paid
Software pricing data and negotiation service, now part of Vertice.
- Cledara also covers workflow automation, expense tracking and company cards.
- Vendr also covers AI agents and research.
- 3.6GPA
Ramp
Free plan · from $15/mo
Corporate cards, expenses, travel and bill pay, with a free plan.
- Ramp has a free plan. Cledara does not.
- Only Ramp lists iOS and Android apps.
- Cledara also covers workflow automation.
- 3.6GPA
Brex
Free plan · from $12/mo
Corporate cards, expenses, bill pay and travel for growing companies.
- Brex has a free plan. Cledara does not.
- Only Brex lists iOS and Android apps.
- Cledara also covers workflow automation.
- 1.8GPA
Zip
Paid
Purchase requests, approvals and invoice payment in one workflow.
- Cledara also covers reports and expense tracking.
- Zip also covers bill pay.
- 1.8GPA
Procurify
Paid
Purchasing, payables and spend cards with approval workflows.
- Only Procurify lists iOS and Android apps.
- Cledara also covers reports.
- Procurify also covers bill pay.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
14
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
Is Cledara free?
No. Cledara is a paid product, starting at $75 per month for up to 20 software applications.
How much does Cledara cost?
Cledara lists 3 plans. Basic: $75 per month for up to 20 software applications.
What platforms does Cledara work on?
Cledara is available on Web.
Does Cledara offer any discounts?
Cledara publicly lists the following: Save 16% with yearly billing.
Does Cledara have an Android app?
No Android app was listed when its pages were read on Nov 12, 2026. Cledara is listed for Web.
Does Cledara have an iPhone app?
No iPhone app was listed when its pages were read on Nov 12, 2026. Cledara is listed for Web.
Is Cledara open source?
Cledara is not described as open source on its own site, as read on Nov 12, 2026.
Does Cledara have an API?
Yes. Cledara offers a public API, according to its own site.
What does Cledara integrate with?
Cledara's listing names Xero, QuickBooks, NetSuite, Okta and HubSpot. A listing names up to eight integrations, so it may connect to more.
Who makes Cledara?
Cledara is made by Cledara Limited. It dates from 2018.
What are the alternatives to Cledara?
The closest alternatives to Cledara in our directory are Vendr, Ramp, Brex, Zip and Procurify.
How does Cledara compare with other spend and bill pay tools?
Cledara's GPA of 1.6 is higher than 2 of the 51 other spend and bill pay tools we grade, and level with 4.
Is Cledara good value for money?
ToolGPA grades Cledara D for value for money. Its paid plans start at $75 a month, against a middle price of $12 for the category: 23 of the 24 others that charge start lower.
Could I make my own version of Cledara?
To replace Cledara you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
Where this guide comes from
The prices, plans, platforms and features were read from Cledara’s own pages on Nov 12, 2026, and the grades were given on Nov 12, 2026. Graded from this listing, whose facts were read from Cledara Limited's own pages on 12 November 2026. Not based on using the product, and shorter than our full reviews. Its pages showed pounds to our reader, so the dollar figures come from the page's own USD data.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Cledara Limited. Prices change, so check cledara.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
5,038
Tools graded, in 95 categories
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.
Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
5,038
tools graded
95
categories
739
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Cledara, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/cledara
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Cledara: The Insider's Guide", checked Nov 12, 2026. https://toolgpa.com/tools/cledara
Know someone choosing between spend and bill pay tools?
Send them this guide: toolgpa.com/tools/cledara/guide
ToolGPA elsewhere: youtube.com/@toolgpa
See our other guides
The best-graded spend and bill pay tools after Cledara, each with an Insider's Guide of its own.
- Spend & Bill Pay Insider's GuideEvery one of the 52 spend and bill pay tools we grade, compared
- Brex Insider's GuideCorporate cards, expenses, bill pay and travel for growing companies3.6 GPA
- Ramp Insider's GuideCorporate cards, expenses, travel and bill pay, with a free plan3.6 GPA
- Airwallex Insider's GuideMulti-currency business accounts, cards, bill pay and expenses3.2 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Cledara’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Cledara is a trademark of its owner, and this guide is not made, paid for or approved by Cledara Limited. Prices and plans change: check cledara.com before you buy.