Time to upgrade your spend management from Revolut Business? Uncover the top alternatives

As you scale, you need greater financial control. If you're currently using Revolut Business to manage your spend, you may be considering other options, especially those built from the ground up with finance teams in mind… But how do you know when to make the switch?

Three signs you may need a dedicated spend management platform alongside, or instead of, your business account:

1. Scaling to multiple entities and currencies.
2. Needing finance workflows such as multi-step approvals for purchase orders, invoices and expenses, budgets and per diems.
3. Requiring automated ERP and accounting integrations to avoid manual data entry.

What to look for in a complete finance platform

There are a few core capabilities you'll find useful as a scaling finance team.

Unified spend management

Ditching the fragmented tools is essential as you scale. Missing, incorrect, or duplicate data can cause financial headaches. We’re talking delayed reimbursements, lost spend, budget creep, incorrect supplier payments; the list goes on. Centralizing spend management under one roof removes the need to chop and change through multiple tools. Keep data accurate and create a single source of truth for everyone to access on your terms.

Native ERP and accounting integrations

Finding a solution with native ERP and accounting integrations (and an API for building your own) is essential for accuracy and efficiency in your finance team. With Payhawk, reviewed expenses are exported to your ERP automatically. Master data such as categories, tax rates, teams and suppliers syncs from your ERP automatically every night, so there's no manual re-keying in either system.

Multi-entity management and visibility

As your organization scales and you oversee multiple divisions or subsidiaries, managing spend becomes more complex - from fragmented data siloes to inconsistent policies and a lack of real-time visibility. A comprehensive spend management platform gives you a consolidated view of all entity spending, which is essential for making impactful business decisions. Managing all entity spending in one place also makes it easier to implement standardized spend approval and management processes.

Reliable support

Reliability is essential with any spend management platform — especially when it comes to compliance or payment issues. When you hit roadblocks, you need access to a support contact to rapidly resolve them. Support can help you set spending limits and troubleshoot spending controls, all of which are essential in ensuring compliant policy enforcement.

Advanced controls for approvals, budgets and workflows

To proactively manage spend across multiple entities, you need granular control features. From building custom approval workflows to suit your specific organizational structure, to tracking budget utilization and creating advanced predefined rules through your spend policies.

Embedded reimbursements and invoice automation

Giving employees the ability to submit reimbursements directly through your spend management platform boosts efficiency and improves the experience for both employees and finance team members. Reimburse in bulk immediately or on a scheduled date as outlined in your policy.

Payhawk: A platform built for finance, not just banking

Payhawk is designed from the ground up for finance teams. It unifies cards, expenses, accounts payable, procurement and ERP integration in one system, giving you visibility and control without slowing employees down.

It’s a holistic spend management solution that supports you as you scale, ensuring your spending remains compliant without disempowering staff as they spend.

We switched from Revolut to Payhawk not only because with Payhawk it's easier to meet compliance requirements, but also because we get all the support we need.

— Polina Kasaboneva, CFO, Quantive

You control every penny from afar and design approval workflows to suit your specific organizational needs. Payhawk's solution gives you end-to-end spend control and financial process efficiency.

• Licensed in the UK and EU, with regulated partners in the US. Payhawk Financial Services Limited is authorized by the Financial Conduct Authority as an electronic money institution (FRN 987096), and Payhawk Financial Services UAB is authorized by the Bank of Lithuania as an electronic money institution (license No. 95). In the US, Payhawk cards are issued by Cross River Bank, Member FDIC.
• Unified control across entities with a group dashboard. No one wants to waste time switching between screens or entities to view expenses, budgets, reimbursements, and so on. Having them all in the same dashboard makes this process more efficient.
• Credit cards for eligible businesses and flexible spend limits. Financial needs in your organization change, but to keep up with these changes, you need flexibility. Being able to adjust things like spending limits and restrict merchant spending gives you control over every penny while reducing the risk of overspending or fraud.
• Advanced approval workflows. Easily create complex approval workflows for POs, invoices, and expenses that align with company policies (and ensure compliance), reduce manual errors, and speed up invoice approvals. These workflows ensure that spending is reviewed by the right people based on amount thresholds, teams, expense categories, suppliers or custom fields.
• Automated ERP sync. Native integrations with leading ERPs such as NetSuite, Sage Intacct and Microsoft Dynamics 365 give you visibility and control over corporate expenses, while improving financial processes from spend tracking to reconciliation and reporting.
• Pre-spend controls, policy enforcement and audit trails. Finance teams need to control costs as effectively as possible, improve accountability and data visibility. With Payhawk, you can define acceptable transaction types, restrict merchants and more with spend controls, while automatically enforcing accountability and transparency with comprehensive audit trails.
• Built-in reimbursements, per diems, and compliance. Using software like Payhawk, you can remove the menial, time-consuming tasks from your finance department. This means no more manual reimbursements - with Payhawk, you can automate the process and set per diem rates that align with company policy, ensuring compliance.
• Real-time budget tracking. Finance teams need to have the ability to make confident, well-informed business decisions, but for that, they need access to real-time budget utilization. In Payhawk, you can view utilization across cards, reimbursements and invoices, plus committed spend from approved purchase orders, for cross-organizational visibility.
• High customer satisfaction and fast support response. Our teams are fast, knowledgeable, and responsive in solving customer queries. We understand that time is of the essence when it comes to troubleshooting anything to do with your financial processes. Check out our reviews on Capterra, where we're rated 4.6 out of 5 by our customers (189 reviews, October 2026).

More Revolut Business alternatives

Not sold on Payhawk? No worries, there are plenty of choices out there. Here are seven to consider.

1. Pleo: Expense management for UK and European teams

Pleo offers company cards, expense capture, reimbursements and invoice management, with plans for small teams through to organizations with more than 1,000 employees. It serves businesses in the UK and Europe, and its help center notes that US customers can't pay supplier invoices through Pleo, so check availability for any US entities.

2. Paylocity for Finance (formerly Airbase): Spend management inside an HR platform

Paylocity acquired Airbase and now sells its spend management tools as Paylocity for Finance, built into Paylocity's HR and payroll platform. It covers cards, expense approvals, reimbursements and AP automation for US-based finance teams.

3. Brex: Finance platform for US-incorporated companies

Brex combines corporate cards, expense management, bill payments, travel and business banking for startups, mid-size companies and enterprises. Opening an account requires US incorporation.

4. Expensify: Expense reports and reimbursements

Expensify focuses on receipt capture, expense reports and employee reimbursements, with approval options ranging from a single approver to multi-level, conditional chains, plus its own Expensify Card.

5. Ramp: Automation-led spend management

Ramp combines corporate cards, expense management with automatic receipt matching, reimbursements and bill pay, with a free plan that includes QuickBooks Online and Xero integrations. Multi-entity support is on Ramp Plus, and procurement is an add-on to Plus or Enterprise.

6. Emburse: Travel and expense management for growing and large organizations

Emburse offers expense, travel booking, invoice and card products through its Professional and Enterprise lines, formerly Certify and Chrome River. Emburse Enterprise is aimed at large global organizations and uses a rules engine to automate expense policy compliance.

7. Rydoo: Belgium-headquartered travel and expense management

Rydoo provides expense management and accounts payable automation, with travel bookings imported from partners such as BCD Travel, Amex GBT Egencia and Perk. It integrates with ERP systems including SAP S/4HANA, NetSuite, Microsoft Dynamics 365 and DATEV.

Choosing the right solution for long-term finance operations

Finding a long-term spend management solution means finding a platform that can grow and adapt with your organization.

Ask yourself the following questions before making a final decision:

• Would you benefit from consolidating cards, reimbursements and invoices under one roof?
• Do you have (or will you have) multiple entities to manage?
• How quickly can you get help from support when an issue affects your payments?
• How much of your spend data syncs to your ERP automatically?

If you answer yes to any of these questions, it may be worth exploring a platform designed specifically for spend management.

And finally, here are five things to check before choosing a Revolut Business alternative

1. Automated ERP integration. You need data to flow between your spend platform and your ERP without manual re-keying: reviewed spend going into the ledger, and master data like accounts, tax codes and suppliers staying in sync.

2. Scalable multi-entity control. Let’s say you open a new entity in France. Will the solution you choose scale with you? Can you manage this new entity from within the same dashboard as your current one? Your platform should support anything from bulk-adding employees to multi-currency support.

State of Play Hospitality uses Payhawk to achieve “complete visibility over multi-entity spend”. Having historically used credit cards and bill.com for AP. Without a NetSuite integration or the ability to combine cards and AP fulfillment, the team had to switch tools regularly.

Group Financial Controller, David Watson, explains:

Taking corporate credit card transactions away from traditional banks to a product that directly integrates with NetSuite was a game changer. Now we save time and make better decisions thanks to complete visibility over our multi-entity spend.

3. Advanced approval workflows and automation. Not every organization is built the same. You might want specific expense types signed off by one approver, and a different approver to sign off expenses above a certain limit. You need the freedom to build and customize advanced and automated approval workflows to suit your unique business needs.

4. Fast, reliable customer support — with real humans! AI is great, it takes away the menial admin tasks (like Payhawk’s AI agents), but nothing beats real, fast human support when troubleshooting. Find a Revolut alternative with an Implementation Manager to guide your setup, responsive support and a comprehensive help center to help you resolve issues quickly.

5. Transparent, flexible pricing as your needs grow. As your business evolves, the features you need from your spend management solution also change. That’s why it’s crucial you find a provider with flexible plan pricing. For example, you might want to start on one plan, combine plans, or upgrade and make use of the entire platform.

If you’ve outgrown Revolut Business, Payhawk can help.

Consolidate cards, reimbursements, and invoices under one roof — with automated ERP sync and multi-entity visibility. Book a personalized demo today and see how scaling finance teams save time and ensure compliance with Payhawk.