Extend vs Paynetics Card Issuing
Extend
paywithextend.com
Paynetics Card Issuing
paynetics.digitalSide by side
| Figure | Extend | Paynetics Card Issuing |
|---|---|---|
| Price from | $0.75/mo | — |
| Free plan | Yes | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 4 | 1 |
| Spec score · Card Issuing Platforms | 9.3 (#1) | 7.8 (#3) |
| Headquarters | New York City, New York, United States | Sofia, Bulgaria |
| Product | Extend manages company credit card spending and employee expenses, with virtual cards, expense tracking, receipt management, and accounting reconciliation. | Paynetics offers card-issuing programs that partners can customise for their business needs. |
| Security | Extend says it is PCI and SOC 2 compliant and uses TLS with SHA-256 and RSA encryption to protect data. | Paynetics offers a PCI-compliant SDK for secure card-data display without partners storing or processing sensitive data. |
| Support | Starter includes email and chat support, Pro includes priority support, and Enterprise includes a designated account manager and custom implementation. | The company lists customer support at +44 (0) 330 223 6848 and [email protected]. |
| Who it serves | Extend describes its business platform as serving companies of all sizes and helping businesses manage company spending and employee expenses. | The page lists use cases including consumer gift cards, e-commerce virtual cards, government disbursements, payroll incentives, remittance, child and teen prepaid cards, cryptocurrency and freelancer payments. |
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.
Paynetics Card Issuing
Paynetics Card Issuing provides configurable card programs for businesses and their partners. Its range includes physical, virtual, digitized prepaid, debit, credit, and business cards from Visa and Mastercard. Partners can customize card designs and configure rules, limits, controls, hierarchies, products, and pricing levels. Cards can be linked to dedicated IBAN accounts or integrated into an eWallet. The API platform supports digital onboarding and data exchange for compliance, risk analysis, and monitoring; its integration channel includes a REST API for accounts, issuing, transfers, and onboarding, plus a partner portal. Developer resources include APIs, SDKs, sandbox tools, and live operational status. Paynetics supports Apple Pay on iOS and an Android tokenisation solution based on Mastercard’s MDES protocol. A PCI-compliant SDK supports secure card-data display without partners storing or processing sensitive details. Physical card orders require at least 1,000 units, and manufacturing typically takes around two months. Pricing is on request.