In this article, I'll walk through the 7 best AirPlus alternatives in 2026, breaking down what each offers, how they handle pricing, and which one fits your business's actual spending management.
TL;DR
- Pemo is the best AirPlus alternative in 2026 for UAE businesses that want corporate cards for all spending categories, AI-powered expense tracking, and automated accounting in one platform.
- If your focus is travel reimbursements or global AP automation, Rydoo and BILL are worth evaluating for those specific workflows.
What Are the Best Alternatives to AirPlus in 2026?
The best alternatives to AirPlus in 2026 are Pemo, HSBC Virtual Card, and Mamo.
Here's my shortlist of the 7 best AirPlus alternatives on the market:
#1: Pemo
Pemo is the best AirPlus alternative in 2026 for UAE businesses that want smart corporate cards, automated expense tracking, and AI-powered accounting in a single platform.
Full disclosure: Pemo is our platform, but I'll give you an honest breakdown of why it stands out and where it fits.
With Pemo, your team will get physical and virtual Mastercard-powered corporate cards that work for every type of business expense, not just travel.
Our cards connect directly to MENA's top-rated spend management platform, giving your finance team real-time visibility into every dirham spent.
Let's go over the capabilities that make Pemo the best option for teams looking to move beyond AirPlus: 👇
Corporate Cards Built for Every Business Expense
Whether your team is paying for SaaS subscriptions, office supplies, client meetings, fuel, or advertising, Pemo cards work across all categories.
Here are some of the things that set our cards apart:
- Unlimited virtual cards on every plan, including the free one. Create a dedicated card for each department, project, or vendor in seconds.
- Physical Mastercard cards are accepted worldwide, including Apple Pay, Google Pay, and Samsung Pay for contactless payments.
- Granular spending controls that let you set limits per transaction, per day, per week, or per month. You can also restrict by merchant category, specific vendor, or even time of day.
- Single-use virtual cards for one-off vendor payments that automatically deactivate after the transaction completes.
➡️ And if something goes wrong, any card can be frozen instantly from the app or desktop. No phone calls, no waiting.
AI-Powered Receipt Collection and Expense Tracking
Every card transaction triggers a push notification asking the cardholder to snap a photo of the receipt.
Our AI matches that receipt to the correct transaction automatically.
- Auto-receipt matching eliminates the end-of-month receipt chase that most finance teams dread.
- Custom approval workflows route expenses to the right manager based on amount, department, or expense type. Marketing spend goes to the CMO; anything above a certain threshold goes to the CFO.
- Real-time expense visibility means transactions appear on your dashboard the moment they happen, not at month-end.
- A flagging system that alerts finance when receipts are missing or when required information is incomplete.
No more spreadsheets. No more manual expense reports.
Accounting Automation That Closes Your Books Faster
Our AI Copilot automatically categorizes each transaction into your chart of accounts, assigns VAT treatment, and syncs everything to your accounting software in real-time.
Here's why accounting teams appreciate this:
- Direct integrations with QuickBooks, Xero, Zoho Books, Wafeq, and Tally, so your data flows without manual exports or re-entry.
- AI-powered categorization that learns from your patterns and gets smarter over time, reducing errors and saving hours of manual work each month.
- Instant reconciliation that helps finance teams close books up to 5x faster than they would with spreadsheets and bank statements.
- Invoice management built into the same platform. Capture invoices using AI-powered OCR, route them through approval workflows, and pay vendors directly from your Pemo account.
Exclusive Savings and Cashback on Business Essentials
When you sign up for Pemo, you unlock access to over 300 partner discounts and cashback deals on things your business already spends on:
- Up to 2% cashback on card transactions and FX fees.
- AED 1,600 in Google Ads credit when you spend your first AED 1,600.
- Up to 15% cashback on Booking.com hotel reservations.
- 20% off Careem rides (3 rides per month across the UAE, Saudi Arabia, and other markets).
- Free access to 1,000 airport lounges worldwide.
- Discounts on talabat, Airalo, CAFU, Shopify, Meta Ads, and dozens more.
These aren't hidden perks. They're available from the moment you create your free account.
Pemo's Pricing
Pemo has a free plan for up to 2 card users that gives you unlimited virtual cards, a mobile app, expense reports, card spending limits, and the ability to export data in Excel.
To unlock Pemo's advanced expense and accounting features, there are 2 paid plans:
- Essential: Starts from AED 29/month per cardholder, which adds cashback on online advertising spend, accounting software integrations, spend analytics, and advanced card controls.
- Business+: Custom pricing starting from 20 card users, which adds higher cashback rates on card spending, custom onboarding and training, and a dedicated customer success manager.
Want to learn more? You can sign up for Pemo's free plan or book a demo to see our solution in action.
Pemo's Pros and Cons
✅ Real-time expense tracking across all spending categories.
✅ Integrations with QuickBooks, Xero, Zoho Books, Wafeq, and Tally.
✅ Automate invoice payments and approval workflows from one platform.
✅ Cashback on advertising spend and up to 2% on FX transactions.
✅ Free plan that includes unlimited virtual cards and AI-powered receipt matching.
✅ G2 users consistently highlight the platform's ease of use.
❌ Wallet top-ups require bank transfers and aren't processed on weekends, based on some user feedback.
#2: HSBC Virtual Card
Best for: Businesses that need secure, high-volume virtual cards for large supplier payments.
Similar to: N/A.
HSBC provides a virtual card platform that lets finance leaders generate unique card numbers for individual transactions or recurring supplier payments.
The card is particularly suited to organizations handling high-value, repeat payments where security and reconciliation matter most.
Features
- Unique card generation: Create single-use or multi-use virtual card numbers with individual account details for every payment.
- Personalized reporting: Your team gets customized reconciliation reports that help track and compare costs across suppliers.
- Enterprise-grade security: Built-in fraud protection with zero liability for unauthorized use of virtual card numbers.
Pricing
HSBC does not disclose the pricing terms for its virtual card, so you'd need to fill in a questionnaire and wait for the bank to follow up.
Pros and Cons
✅ Strong fraud detection capabilities.
✅ Detailed online reporting for cost comparison and expense control.
✅ Trusted banking infrastructure behind every transaction.
#3: Mamo
Best for: Teams looking for a flexible corporate card solution with global acceptance and cashback rewards.
Similar to: Pemo.
Mamo is a UAE-based payments platform that offers unlimited virtual and physical cards alongside a suite of payment tools for small and mid-sized businesses.
The platform stands out for its transparent fee structure and real-time spending controls.
Features
- Unlimited cards: Issue as many virtual and physical cards as your team needs, with no cap on the number of active cards.
- Global acceptance with cashback: Use cards anywhere Visa and Mastercard are accepted, earning up to 2% cashback on non-AED transactions.
- Real-time security controls: PCI-DSS certified platform with instant card freezing, live transaction monitoring, and push notifications.
Pricing
Mamo has three pricing tiers:
- Growth: Free monthly fee, with a 2.9% plus AED 1 per-transaction charge. Includes corporate cards, payment APIs, and e-commerce integrations.
- Premium: AED 99/month, with a lower 2.7% plus AED 0.8 per-transaction rate. Adds free UAE ATM withdrawals and branded payment links.
- Enterprise: Custom pricing for businesses processing over AED 500,000/month. Includes a dedicated customer success manager.
Pros and Cons
✅ PCI-DSS certified security.
✅ Up to 2% cashback on international transactions.
✅ Transparent per-transaction pricing model.
❌ 2.9% plus AED 1 per transaction on the free plan can add up with heavy usage.
#4: Xpence
Best for: Businesses that want automatic transaction categorization and spending analytics to track employee habits.
Similar to: Pemo.
Xpence is a UAE-based spend management tool that automatically categorizes every business transaction in real-time and offers detailed analytics on how your team spends.
It's a good fit for companies that want data-driven visibility into employee spending patterns.
Features
- Auto-categorization: Every transaction is classified the moment it happens, removing the manual sorting that slows finance teams down.
- Centralized spend tracking: Monitor all employee expenses from a single dashboard with full oversight of who's spending what and where.
- Spending analytics: Detailed breakdowns of spending habits by employee, department, and category.
Pricing
Xpence does not disclose its pricing, so you'd have to contact their team to get a demo and a quote.
Pros and Cons
✅ Solid subscription management capabilities.
✅ Real-time tracking with approval workflows.
✅ Detailed spending controls and analytics.
❌ No public pricing, unlike many Xpence alternatives.
#5: Spendesk
Best for: Finance teams that need OCR-powered reimbursements and duplicate invoice detection.
Similar to: N/A.
Spendesk combines spend approvals, employee reimbursement tools, and invoice management in one platform.
Its OCR technology captures and extracts receipt details automatically, and the system can flag duplicate invoices before they're processed.
Features
- Real-time expense monitoring: Your finance team can spot errors and missing receipts as they happen, keeping records compliant.
- Mobile reimbursements: Employees snap a photo of their receipt and submit a reimbursement request from their phone in seconds.
- Duplicate detection: The platform automatically catches duplicate invoices and common data entry errors before they reach approval.
Pricing
Spendesk uses custom pricing, so you'd need to contact their team for a quote tailored to your team size and feature needs.
Pros and Cons
✅ End-to-end invoice management with accounting integrations.
✅ Catches duplicate invoices and data entry mistakes automatically.
✅ Real-time budgeting controls.
❌ Pricing is not transparent.
#6: Rydoo
Best for: Finance teams that want AI-driven expense auditing with near-perfect receipt scanning accuracy.
Similar to: Spendesk, BILL.
Rydoo is an AI-powered expense management platform that automates the full expense lifecycle, from the moment an employee snaps a receipt to the final reimbursement.
The platform's scanning technology claims 95% accuracy when auto-populating expense details from receipt photos.
Features
- Smart Audit: AI monitors every expense claim and automatically flags non-compliant or suspicious submissions.
- Customizable policies: Set your own approval flows, spending rules, and reconciliation settings to match how your company operates.
- 10-second receipt scanning: Employees photograph a receipt, and the system fills in the amount, vendor, date, and category with minimal manual input.
Pricing
Rydoo has four pricing tiers:
- Essentials: $9/user/month billed annually. Includes a mobile app with receipt scanner, unlimited expenses, and basic integrations.
- Pro: $14/user/month billed annually. Adds mileage tracking, per diem management, and approval flows.
- Business: $18/user/month billed annually. Adds corporate card reconciliation, accounting integrations, and advanced analytics.
- Enterprise: Custom pricing. Adds SSO, dedicated support, and custom implementations.
Pros and Cons
✅ Fast and accurate receipt scanning.
✅ AI-powered audit catches policy violations automatically.
✅ Affordable entry pricing at $9/user/month.
❌ Business and Enterprise plans do not have public pricing.
#7: BILL
Best for: Organizations looking to unify accounts payable, accounts receivable, and spend management on one platform.
Similar to: Xpence, Rydoo.
BILL is a financial operations platform that brings AP, AR, and expense tracking together under a single login.
Features
- Spend and expense management: Access credit lines alongside budgeting tools and real-time spend tracking.
- Unified financial operations: Handle AP, AR, spending, and expenses from one dashboard with automatic sync across modules.
- Accounting integrations: Connects to your existing accounting stack with two-way sync starting from the Team plan.
Pricing
BILL has four pricing tiers:
- Essentials: $49/user/month. Includes basic AP and AR functionality with live chat and phone support.
- Team: $65/user/month. Adds automatic two-way accounting sync and custom user roles.
- Corporate: $89/user/month. Adds combined AP and AR management with custom approval policies.
- Enterprise: Custom pricing. Adds multi-location accounting and premium support.
Pros and Cons
✅ All-in-one platform covering AP, AR, and expenses.
✅ Integrates with your existing accounting software.
❌ One user mentions that they find it challenging at times to map and integrate custom fields or make changes to existing fields.
Get Started with Pemo for Free Today
Most AirPlus alternatives still focus on one piece of the puzzle: some do cards, others do expense tracking, and a few handle AP automation.
Pemo is different.
Instead of a single-purpose travel card, Pemo gives you corporate cards for every spending need, AI that matches receipts and categorizes transactions automatically, and accounting automation that syncs everything to your software in real-time.
Your finance team gets one platform where cards, expenses, invoices, and reporting all live together.
If you're looking for a spend management platform that offers:
- Unlimited virtual cards on every plan, including the free one.
- AI-powered receipt collection that eliminates the end-of-month chase.
- Direct integrations with QuickBooks, Xero, Zoho Books, Wafeq, and Tally.
- Cashback on ad spend, FX transactions, and 300 partner discounts on tools like Careem, Booking.com, and Google Ads.
Then you can sign up for Pemo's free plan or book a demo to see why 10,000+ businesses in the MENA region have chosen us.
⚠️ Disclaimer: This article was last updated on 30/04/2026 and if there's any misinterpretation of the information, please contact us and we will fact check it.
