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Extend

paywithextend.com

From $0.75/mo Free plan WebiOSAndroidAPI
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Spec score 9.3 #1 of 22 in Card Issuing Platforms

What it is

Extend manages company card spending and employee expenses with virtual cards, expense tracking, receipt management, and accounting reconciliation. Virtual cards can carry spending limits and expiration dates for vendor payments, subscriptions, or team expenses. Card creation is available only through participating bank partners; eligible Visa or Mastercard cards from other banks can be registered for expense management. Other tools include budgets, receipt capture, expense reports, reimbursements, approval workflows, and transaction reporting. Integrations include QuickBooks Online and Desktop, NetSuite, Xero, Sage Intacct, and Microsoft Dynamics 365 Business Central. The virtual card API supports issuance, transaction metadata, real-time authorization and clearing data through webhooks, and configurable card controls. Extend says it is PCI and SOC 2 compliant and uses TLS with SHA-256 and RSA encryption. Starter is free for up to five users and 100 virtual cards per month. Pro costs $8.99/user/mo (annual) or $11.99/user/mo (monthly), with a 10-user minimum for either option.

Spec sheet

What it does
Extend connects existing business cards to virtual-card creation, spend controls and expense management.Read 14 Oct 2026 · paywithextend.com
Product
Extend manages company credit card spending and employee expenses, with virtual cards, expense tracking, receipt management, and accounting reconciliation.Read 28 Sep 2026 · paywithextend.com
API
Extend's virtual card API supports card issuance, transaction metadata, real-time authorization and clearing data through webhooks, and configurable card controls.Read 28 Sep 2026 · paywithextend.com
Integrations
Extend lists integrations with QuickBooks Online and Desktop, NetSuite, Xero, Sage Intacct, and Microsoft Dynamics 365 Business Central.Read 28 Sep 2026 · paywithextend.com
Security
Extend says it is PCI and SOC 2 compliant and uses TLS with SHA-256 and RSA encryption to protect data.Read 28 Sep 2026 · paywithextend.com
Support
Starter includes email and chat support, Pro includes priority support, and Enterprise includes a designated account manager and custom implementation.Read 28 Sep 2026 · paywithextend.com
License
The terms describe Extend software and content as proprietary and grant only a revocable, non-transferable, non-sublicensable service-use license.Read 14 Oct 2026 · corpay.paywithextend.com
Headquarters
New York City, New York, United StatesRead 28 Sep 2026 · paywithextend.com
Founded
Extend says it was founded in 2017 by payment industry veterans.Read 28 Sep 2026 · paywithextend.com
Accounting integrations
Listed accounting connections include QuickBooks Online/Desktop, Xero, Sage Intacct, Microsoft Dynamics 365 Business Central and NetSuite.Read 14 Oct 2026 · support.paywithextend.com
API access
API access requires an Extend account, owner approval and customer-success contact; issued keys expire after 365 days.Read 14 Oct 2026 · paywithextend.com
API capability
The virtual-card API supports on-demand issuance, real-time authorization controls, multiple issuers, mobile wallets, tokenization and enriched transaction data.Read 14 Oct 2026 · paywithextend.com
Bank compatibility
Virtual-card issuance is available through participating banks, while expense features can also work with eligible Visa or Mastercard cards.Read 14 Oct 2026 · paywithextend.com
Bill pay
The bill-pay workflow creates cards for invoices, sends secure links to vendors and tracks invoice payments.Read 14 Oct 2026 · paywithextend.com
Budgets
Budgets can be assigned to teams, projects, clients or expense categories with shared balance visibility.Read 14 Oct 2026 · paywithextend.com
Card controls
Cards support spending caps, expiration dates, automatic refills, editing, deactivation and reactivation.Read 14 Oct 2026 · paywithextend.com
Company legal name
The company identifies itself as Extend Enterprises, Inc.Read 14 Oct 2026 · paywithextend.com
Company profile
LinkedIn lists Extend as privately held, founded in 2017, headquartered in New York and employing 51–200 people.Read 14 Oct 2026 · linkedin.com
Customer help
Extend provides a help center, onboarding support, webinars, and learning resources.Read 28 Sep 2026 · paywithextend.com
Developer documentation
Extend links public Stoplight API documentation and provides Python request examples for issuing, closing and retrieving virtual-card spend.Read 14 Oct 2026 · paywithextend.com
Expense tools
Extend offers budgets, receipt capture, expense reports, reimbursements, approval workflows, and transaction reporting.Read 28 Sep 2026 · paywithextend.com
Founders and ownership facts
Crunchbase lists founders Andrew Jamison, Danny Morrow and Guillaume Bouvard, New York headquarters and five funding rounds.Read 14 Oct 2026 · crunchbase.com
Funding news
A Business Wire release dated October 27, 2021 reported a $40 million Series B led by March Capital.Read 14 Oct 2026 · businesswire.com
Guest cards
Cards can be sent to vendors or contractors who do not have Extend accounts.Read 14 Oct 2026 · paywithextend.com
Issuer availability
Virtual card creation is available only with participating bank partners; eligible Visa or Mastercard cards from other banks can be registered for expense management features.Read 28 Sep 2026 · paywithextend.com
Limit: Apple app
Apple reviewers report older iOS devices being blocked and occasional crashes or failure to open.Read 14 Oct 2026 · apps.apple.com
Limit: Google Wallet
A Google Play reviewer complained that cards could not be linked to Google Wallet for NFC payments.Read 14 Oct 2026 · play.google.com
Limit: merchant acceptance
A G2 reviewer said a merchant that does not accept digital payments would not accept an Extend card.Read 14 Oct 2026 · g2.com
Limit: mobile access
G2 reviewers reported mobile login or verification problems and forced sign-ins after inactivity.Read 14 Oct 2026 · g2.com
Limit: support response
One G2 reviewer reported a failed card request and about a one-day wait for customer-support response.Read 14 Oct 2026 · g2.com
Limit: Trustpilot claims
Some Trustpilot reviewers complain that shipping-protection claims produce virtual-card compensation instead of cash and may restrict replacement retailers.Read 14 Oct 2026 · trustpilot.com
Notable partnership news
Extend's news page reports an April 30, 2026 WEX partnership enabling Extend virtual-card payments in SAP Concur Invoice.Read 14 Oct 2026 · paywithextend.com
Praise: Android app
Google Play reviewers praise the simple interface and managing employee or freelancer spending limits and transactions.Read 14 Oct 2026 · play.google.com
Praise: controls
G2 reviewers praise configurable limits and expiration dates, card activation controls and protecting the primary company card.Read 14 Oct 2026 · g2.com
Praise: Trustpilot service
Trustpilot reviewers describe some claims, refunds or replacements as straightforward and responses as quick.Read 14 Oct 2026 · trustpilot.com
Praise: usability
G2 reviewers repeatedly describe setup, virtual-card creation, receipt uploads and transaction tracking as easy and fast.Read 14 Oct 2026 · g2.com
Pricing change
Extend moved to Starter, Pro and Enterprise subscription tiers on July 7, 2025 while retaining a free Starter tier.Read 14 Oct 2026 · support.paywithextend.com
Product update
An August 27, 2026 update added Google Workspace receipt searching and a Receipt Agent for finding missing receipts.Read 14 Oct 2026 · support.paywithextend.com
Rating on Apple App Store
4.2 out of 5 from 47 ratingsRead 14 Oct 2026 · apps.apple.com
Rating on G2
4.6 out of 5 from 404 reviewsRead 14 Oct 2026 · g2.com
Rating on GetApp
0 out of 5 from 0 reviewsRead 14 Oct 2026 · getapp.ie
Rating on Google Play
4.3 out of 5 from 49 reviewsRead 14 Oct 2026 · play.google.com
Rating on Trustpilot
3.6 out of 5 from 453 reviewsRead 14 Oct 2026 · trustpilot.com
Receipt management
Receipts and invoices can be attached to transactions, with rules, reminders and downloadable statements.Read 14 Oct 2026 · paywithextend.com
Reimbursements
Pro and Enterprise users can submit and approve reimbursement reports, but Extend does not send the reimbursement payment itself.Read 14 Oct 2026 · paywithextend.com
Security certifications
Extend's Trust Center lists SOC 2 Type II and a 2025 PCI DSS 4.0.1 attestation of compliance.Read 14 Oct 2026 · trust.paywithextend.com
Virtual card privacy
Extend says only the designated recipient can see a virtual card's full number, while the primary cardholder and organization admins see its last four digits in the app and reports.Read 28 Sep 2026 · paywithextend.com
Virtual card types
Users can create one-time, multi-use and recurring virtual cards.Read 14 Oct 2026 · paywithextend.com
Virtual cards
Virtual cards can have spending limits and expiration dates, and can be created for vendor payments, subscriptions, or team expenses.Read 28 Sep 2026 · paywithextend.com
Web and mobile access
The product provides a browser application plus iOS and Android apps, with mobile recommended for receipt and reimbursement tasks.Read 14 Oct 2026 · paywithextend.com
Who it serves
Extend describes its business platform as serving companies of all sizes and helping businesses manage company spending and employee expenses.Read 28 Sep 2026 · paywithextend.com

Plans and prices

Starter Free Free Up to 5 users · up to 10 guests · up to 100 virtual cards/month · 1 expense category · 15 labels Read 14 Oct 2026 · paywithextend.com
Pro (annual) $8.99 a year Per user/month, billed annually; 10-user minimum Up to 50 guests · up to 500 virtual cards/month · up to 5 expense categories · 500 labels · QuickBooks Online sync · reimbursements Read 14 Oct 2026 · paywithextend.com
Pro (monthly) $11.99 a month Per user/month; 10-user minimum Up to 50 guests · up to 500 virtual cards/month · up to 5 expense categories · 500 labels · QuickBooks Online sync · reimbursements Read 14 Oct 2026 · paywithextend.com
Enterprise Priced on request Contact Extend No user minimum · custom implementation · API-based card issuance · unlimited expense categories and labels · NetSuite integration Read 14 Oct 2026 · paywithextend.com

Every Extend plan and price →

Strong points and limits

Strong points

  • Virtual cards support spending limits and expiration dates
  • Expense tools include reimbursements and approvals
  • Integrates with six listed accounting platforms
  • Free Starter supports up to five users

Limits

  • Virtual card creation requires a participating bank partner
  • Pro requires a 10-user minimum
  • Starter is limited to 100 virtual cards monthly

Who it suits

Extend suits companies seeking to manage spending and employee expenses, including teams that use virtual cards and accounting integrations. Its business platform is described as serving companies of all sizes, though Pro has a 10-user minimum.

Extend in depth

Read the full write-up

Overview

Extend is a company-spending and employee-expense platform for businesses that want card controls and expense administration together. It is best suited to teams with a participating bank partner and a supported accounting system; small teams should weigh the Pro plan’s 10-user minimum carefully.

Its combination of virtual cards, expense workflows, and accounting connections is useful, but card issuance depends on bank-partner eligibility and the paid tier is sized for larger teams.

Key features

Virtual cards and controls

Teams can create virtual cards for vendors, subscriptions, or employee expenses, with spending limits and expiration dates. That helps bound delegated or recurring spending. The important constraint is issuer access: card creation is limited to participating bank partners. Eligible Visa or Mastercard cards from other banks can be registered for expense management, but not for Extend virtual card issuance.

Extend supports funding and balances, spend controls, and multi-card programs. Its virtual card API supports issuance, configurable controls, and transaction metadata, with real-time authorization and clearing data delivered through webhooks. That makes it relevant to businesses building card workflows into their own systems, while Enterprise is the tier that provides virtual card issuance by API key.

Expense workflows and integrations

Budgets, receipt capture, expense reports, reimbursements, approval workflows, and transaction reporting cover much of the work that follows a company purchase. Connections to QuickBooks Online and Desktop, NetSuite, Xero, Sage Intacct, and Microsoft Dynamics 365 Business Central make Extend a stronger fit for organizations already using one of those accounting platforms.

Privacy and support

Extend says only a virtual card’s designated recipient can view its full number; the primary cardholder and organization administrators see only the last four digits in the app and reports. The company says it is PCI and SOC 2 compliant and uses TLS with SHA-256 and RSA encryption. Starter has email and chat support; Pro adds priority support, while Enterprise includes an account manager and custom implementation. A help center, onboarding support, webinars, and learning resources supplement those plan-level services.

Pricing

Starter is free and supports up to 5 users, 10 guests, and 100 virtual cards per month. Its one expense category and 15 category labels suit a small team with basic needs, but the category cap may be limiting for businesses that organize expenses across several departments or purposes.

Pro (annual) costs $8.99 per user, per month on the annual plan, with a 10-user minimum. Pro (monthly) costs $11.99 per user, per month, also with a 10-user minimum. Both allow up to 50 guests, 500 virtual cards per month, five expense categories, and 500 category labels. Pro raises the card and category limits and adds priority support, but the minimum means even a smaller team must pay for at least 10 users to use it. The annual option has the lower per-user monthly rate; the monthly option avoids the annual billing term.

Enterprise has custom pricing, no user minimum, custom user packages, virtual card issuance by API key, and unlimited expense categories and labels. It is the fit for organizations that need tailored scale or API-based issuance rather than Pro’s fixed limits. There is no free trial.

Platforms

Extend supports Android, iOS, and web, and offers an API. The API makes it possible to integrate card issuance and transaction data into a business’s own systems, while the mobile apps provide access to the expense and card workflows.

Who it's for

Extend is a sensible choice for businesses that can use a participating issuer, want card controls alongside expense administration, and rely on one of its accounting integrations. Starter is the lower-risk option for a team of five or fewer that can work within its monthly card and category caps. Pro is better suited to teams large enough to absorb its 10-user minimum and that need more cards, guests, or expense categories. Businesses that need custom packages or API-key issuance should consider Enterprise; those without an eligible issuing partner should not choose Extend for virtual card creation.

Pros and cons

Broad expense coverage: receipts, reports, reimbursements, approvals, and budgets sit alongside card controls, reducing the need to separate these workflows.

Useful accounting reach: integrations span QuickBooks, NetSuite, Xero, Sage Intacct, and Microsoft Dynamics 365 Business Central.

Meaningful free entry tier: Starter has no charge and supports five users, but its 100-card monthly cap and single expense category constrain growth.

Paid tier minimum: Pro expands card capacity to 500 per month and categories to five, but requires at least 10 users.

Issuer dependency: virtual card creation is only available through participating bank partners, limiting its usefulness for businesses outside those programs.

Alternatives

For a broader Card Issuing Platforms comparison, start with the category directory. Paynetics Card Issuing is worth considering when customisable programmes and physical as well as virtual Visa or Mastercard cards matter. Marqeta is a paid enterprise platform for teams focused on API and web access. Mastercard Decision Intelligence is another paid, web-based option.

OpenWay Way4 is an alternative with API, web, and self-hosted platforms. Enfuce Cards may suit programmes whose costs are scoped to implementation, monthly service, and volume. Lithic uses custom quotes based on transaction volume and required features. Nium Physical and Virtual Cards is another paid card-program option with custom terms. Highnote is a paid API and web choice with an Issuing Standard plan that describes volume discounts, interchange split, and a dedicated programme manager.

Verdict

Choose Extend if your business has access to a participating bank partner and wants virtual card controls, employee expense workflows, and accounting integrations in one service. Starter offers a practical free entry point, but the Pro 10-user minimum and issuer restriction are decisive drawbacks for smaller teams or businesses seeking independent virtual card issuance.

Verdict

Extend combines card controls, expense workflows, and accounting integrations, with a free entry plan and two listed Pro billing options. Check bank-partner availability and the Pro minimum before settling on a plan.

Where Specifiction places it

Alternatives to ExtendAll alternatives →