Extend vs Interlace
Extend
paywithextend.comInterlace
interlace.moneySide by side
| Figure | Extend | Interlace |
|---|---|---|
| Price from | $0.75/mo | — |
| Free plan | Yes | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 4 | 0 |
| Spec score · Card Issuing Platforms | 9.3 (#1) | 7.5 (#8) |
| API | Extend's virtual card API supports card issuance, transaction metadata, real-time authorization and clearing data through webhooks, and configurable card controls. | Interlace documents APIs for card issuing, banking accounts, crypto infrastructure, payment acquiring, and embedded financial services. |
| API access | API access requires an Extend account, owner approval and customer-success contact; issued keys expire after 365 days. | Production API access requires internal approval, and the guide says IP whitelisting is required in production. |
| Card controls | Cards support spending caps, expiration dates, automatic refills, editing, deactivation and reactivation. | Cards can be provisioned to Apple Pay or Google Pay, with controls to set limits, freeze, or cancel them from an app. |
| Founded | Extend says it was founded in 2017 by payment industry veterans. | 2019 |
| Integrations | Extend lists integrations with QuickBooks Online and Desktop, NetSuite, Xero, Sage Intacct, and Microsoft Dynamics 365 Business Central. | Yield Treasury is described as integrated with Interlace Business Accounts and Infinity Cards. |
| Product | Extend manages company credit card spending and employee expenses, with virtual cards, expense tracking, receipt management, and accounting reconciliation. | Interlace provides stablecoin infrastructure for card issuing, accounts, payments, and treasury services. |
| Security | Extend says it is PCI and SOC 2 compliant and uses TLS with SHA-256 and RSA encryption to protect data. | Interlace says it is PCI DSS Level 1 certified and uses RSA 3072 encryption, AML/KYC, and fraud monitoring for its card infrastructure. |
| Support | Starter includes email and chat support, Pro includes priority support, and Enterprise includes a designated account manager and custom implementation. | The support center lists [email protected] and Telegram as customer service contact options. |
| What it does | Extend connects existing business cards to virtual-card creation, spend controls and expense management. | Interlace provides stablecoin infrastructure for cross-border payments, including card issuing, business accounts, treasury, and crypto services. |
Plans
Extend
- StarterFree
- Pro (annual)$8.99 a year
- Pro (monthly)$11.99 a month
- EnterprisePriced on request
In their own words
Extend
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.
Interlace
Interlace provides stablecoin infrastructure for businesses needing card issuing, accounts, payments, crypto services, or treasury tools. Its card service offers branded physical and virtual cards with stablecoin settlement, and the cards can be provisioned to Apple Pay or Google Pay. An app provides controls to set limits, freeze, or cancel cards. Interlace Business Accounts support payments in more than 40 currencies and are described as available in over 180 countries or regions, with no minimum balance or deposit requirement. CryptoConnect supports on- and off-ramping, payments, and spending using BTC, ETH, USDC, and USDT. Yield Treasury advertises over 5% on USDC and USDT, daily yield settlement, and no lockup periods. It starts at $100 and says it charges no deposit, redemption, fund transfer, or return fees. APIs let businesses embed cards, accounts, and stablecoin rails. Interlace lists PCI DSS Level 1, US and Canadian MSB registrations, and Hong Kong TCSP licensing. It was founded in 2019; pricing is on request.