Spendbase vs Spendflo

Spendbase gives businesses multi-currency accounts, payment cards and tools for managing team spending. Businesses can hold and move money in 12 currencies and send or receive payments through SWIFT, SEPA and Faster Payments. Virtual and physical cards can be assigned, frozen or deactivated, with controls for per-card and cardholder spending limits. Teams can submit spend requests for approval, capture receipts in the mobile app and sync transaction coding to ERP or accounting software. Spendbase lists Android, iOS and web access; its mobile apps support card management, spending tracking and 3DS transaction confirmation, while more detailed settings are on the web platform. A Free business account is free, with no monthly or per-user fee and free card issuance for eligible business customers. Pricing is also listed as available on request. Fees include 1% for currency conversion and £20 for SWIFT transfers; SEPA and SEPA Instant payments have no fee. Currency availability depends on the company’s registration location.

Spendflo is a procurement and finance platform covering sourcing, contracting, purchasing, invoices, and payment. Dynamic request forms and a no-code workflow builder route requests through multi-level, parallel, or conditional approvals. Contract tools provide AI-assisted OCR metadata extraction, renewal alerts, search, and risk-clause detection. Accounts-payable add-ons include invoice OCR, purchase-order matching, bill approval routing, payment records, and reconciliation. Spendflo offers prebuilt procurement agents and custom agents trained on customer policies, workflows, and supplier data. Named integrations include Oracle NetSuite, Coupa, Sage, DocuSign, Adobe Sign, Ironclad, Jira, ServiceNow, Slack, Workday, Google Workspace, and Microsoft 365. The company was founded in 2021 and is headquartered in San Francisco. It states that it is SOC 2 Type II and ISO 27001 certified, uses TLS 1.3 and AES 256-bit encryption, and handles data under GDPR and CCPA. Services are monitored continuously, with 24/7 on-call engineers and SLAs for commercial customers.