Enfuce Cards vs Extend

Enfuce Cards is a web and API platform for issuing and processing payment cards. It supports debit, credit, prepaid, multi-PAN, EV charge and fuel cards, with issuing, processing, settlement, fraud workflows, disputes and reporting handled together. Real-time APIs and the MyEnfuce portal let programme teams manage cards, monitor activity and respond to changes. Virtual cards work with digital wallets including Apple Pay and Google Pay. The API includes tokenisation, ledgering, fraud controls, loyalty and instalments. Programmes can launch across the EEA and UK with multi-country, multi-currency and localisation support. Enfuce offers BIN sponsorship on its regulated infrastructure, so companies can issue cards without obtaining their own licence. MyCard manages physical-card design, production, storage, ordering and delivery. MyEnfuce gives operations and support teams a live view of cards, accounts and transactions. Pricing is scoped to each programme and may include implementation, monthly, volume-based and add-on fees.

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.