Extend vs Paymentology

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.

Paymentology provides a global card issuing and processing platform for fintechs, digital banks, financial institutions and other card-programme operators. It supports debit, credit, prepaid, hybrid, virtual, numberless and crypto-linked cards, with physical and virtual options. Its decision engine lets clients configure rules for authorisation and transaction workflows. Data Intelligence supplies 120 data lines per transaction in real time, while the client portal shows performance, balances and spend trends and is described as fully encrypted. Wallet integrations include Apple Pay, Google Pay and Samsung Pay. Named networks include Visa, Mastercard, BancNet, Mada and GIM. Issuers can set spend limits, restrict merchant categories, block international use, deactivate cards and lock usage to trusted devices. Paymentology describes PayRule as PCI-DSS compliant and the platform as ISO certified and GDPR compliant. Pricing is available on request.