Extend vs Wallester White Label

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.

Wallester White-Label provides branded accounts, cards, and payments through a mobile app, back-office portal, API, and regulated infrastructure. Businesses can set up debit, prepaid, or credit card programs for consumer, business, or corporate use. The portal manages cards, users, balances, limits, spending rules, approval flows, and program activity. Accounts and cards support EUR, GBP, PLN, SEK, NOK, DKK, CZK, HUF, RON, and USD, with global payments. Its REST API connects card programs, controls, and payment workflows; the branded app supports Apple Pay and Google Pay using tokenized credentials. Programs can use Wallester’s issuer and scheme framework, with dedicated BIN setup available where needed. The platform includes KYC/KYB, AML, fraud monitoring, and payment processing. Wallester states that it is a Visa Principal Member, an Authorized Payment Institution licensed by Estonia’s Finantsinspektsioon, and PCI DSS Level 1 certified for payment data. The service is presented for the EEA and UK. Listed monthly prices are 2495.00 EUR, 3995.00 EUR, and 5995.00 EUR, depending on institution type.