Are you looking for the best Expensify alternatives to manage business expenses in the UAE?
In this guide, I'll go through 7 Expensify alternatives in 2026 worth considering, what each one does well, what it costs, and which one makes sense depending on how your business manages spending.
TL;DR
- Pemo is the best Expensify alternative in 2026 for companies in the UAE that want prepaid corporate cards, automated receipt capture, and AI accounting tools under one roof.
- Rydoo, Spendesk, and Tipalti are strong options if your priority is automated expense workflows, employee reimbursements, or global payment capabilities.
What are the best alternatives to Expensify in 2026?
The best alternatives to Expensify in 2026 are Pemo, Rydoo, and Alaan.
Here's my shortlist of the 7 best Expensify alternatives on the market:
#1: Pemo
Pemo is the best Expensify alternative in 2026 for UAE businesses that want to stop chasing expense reports and start controlling spend before it happens.
Our solution offers corporate cards, real-time tracking, and AI-powered accounting automation in one platform.
Full disclosure: Pemo is our platform, but I'll give you an honest breakdown of why it stands out and where it fits.
Pemo provides smart virtual and physical Mastercard-powered corporate cards connected to a spend management platform built for the MENA market, giving your finance team full visibility into every transaction the moment it occurs.
Let's go over the capabilities that make Pemo the best option for teams looking to switch from Expensify: 👇
Replace Expense Reports With Corporate Cards
Pemo was designed to make expense reporting unnecessary.
Instead of having your team pay personally and wait for reimbursement, Pemo puts a prepaid corporate card in their hands from day one.
You can spin up unlimited virtual cards for any team member in seconds, each with its own set of spending rules.
Here's what our customers rely on most:
- Cards in seconds: Spin up virtual cards for any team member on demand. No approvals to wait for, no forms to fill out. Physical cards arrive at your office door.
- Spending guardrails at every level: Restrict by amount per transaction, per day, per week, or per month. You can also lock out entire merchant categories or whitelist specific vendors.
- One-tap card freeze: Something look off? Disable any card from your phone or laptop instantly. Turn it back on just as quickly.
- Built-in cashback: Get money back on Google Ads spend and other advertising partners, with up to 2% return on international card usage.
➡️ You can create unlimited virtual cards in seconds with Pemo, free of charge.
Stop Chasing Receipts and Missing Paperwork
Every card purchase gets logged the instant it happens.
Your team will receive a push notification to photograph their receipt, and our AI pairs it with the right transaction without anyone doing it manually.
Here's how that helps your team:
- Automatic receipt pairing: AI handles the matching between receipts and transactions. Your team reviews the results rather than assembling them manually.
- Flexible approval routing: Send marketing expenses to one approver, office supplies to another. Configure the paths once and they run on their own.
- Self-generating reports: Because every purchase is captured live, expense reports assemble themselves throughout the month. No end-of-month fire drill.
- Out-of-pocket submissions: When someone does pay personally, they use the same Pemo app to upload the receipt and route it for sign-off.
AI-Powered Accounting That Learns Your Patterns (Pemo Copilot)
We know that one of the biggest headaches when switching from an expense tracker is getting transaction data into your accounting software correctly.
Pemo Copilot handles that with AI that auto-assigns every expense to the right account in your chart of accounts, tags the correct vendor, and applies VAT treatment based on patterns it picks up from your historical data.
Here's why accounting teams appreciate this:
- Plugs into the tools UAE teams already use: Connects directly with QuickBooks, Xero, Zoho Books, Wafeq, and Tally. No exporting CSVs, no copying numbers between tabs.
- Accuracy that improves on autopilot: The more transactions the AI processes, the more accurate it becomes. By the second month, it's noticeably faster than the first.
- Close your books up to 5x sooner: Reconciliation isn't a month-end marathon anymore. It runs continuously in the background so your accountant opens books that are already up to date.
- Corporate tax tagging built in: VAT treatment is applied to every transaction automatically, so your records stay compliant without anyone manually flagging anything.
Partner Discounts and Cashback
Our platform doesn't just help you track spending: it helps your team spend less.
Pemo’s customers get access to a partner discount network with over 300 deals on tools and services that UAE businesses actually use:
- Ad spend cashback through Google Ads, Meta, and TikTok for Business.
- Travel savings with up to 15% off hotel bookings and free access to over 1,000 airport lounges worldwide.
- Software deals on Notion, Microsoft, Shopify, and dozens of other business platforms.
- Local brand perks with Careem, Talabat, Booking.com, CAFU, and more.
Pemo's Pricing
Pemo offers a free plan for up to 2 card users that includes unlimited virtual cards, a mobile app, expense reports, card spending limits, and Excel exports.
To access Pemo's advanced features, you'd need to be on one of our 2 paid plans:
- Essential: AED 29/month per cardholder, which adds cashback on online advertising spend, integration with popular accounting platforms like QuickBooks, Xero, Zoho Books, Wafeq, and Tally, spend analytics, and more.
- 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
✅ Every card purchase appears in real-time on both desktop and mobile with zero manual data entry.
✅ Accounting integrations with QuickBooks, Xero, Zoho Books, Wafeq, and Tally keep your books current automatically.
✅ Multi-level invoice approval workflows are included on every plan, including the free tier.
✅ Over 300 partner discounts and up to 2% cashback on eligible FX transactions.
✅ Free tier includes unlimited virtual cards for up to 2 cardholders.
❌ Cards are prepaid, and wallet top-ups require bank transfers, so funding isn't available on weekends, according to some user feedback.
#2: Rydoo
Best for: Finance teams that want AI-powered expense automation with multi-country tax compliance and fast receipt scanning.
Similar to: Tipalti, Spendesk.
Rydoo is an expense management platform that uses AI to automate everything from receipt submission to reimbursement.
The platform stands out for its Smart Audit feature, which automatically flags non-compliant and suspicious claims before they reach a human reviewer.
Features
- Smart Audit: AI-powered monitoring that analyzes employee expenses and flags policy violations and suspicious claims automatically.
- Fast receipt scanning: Employees can submit expenses in about 10 seconds by photographing a receipt, with over 95% accuracy on auto-populated fields.
- Configurable spending policies: Set approval workflows, spending controls, and automated reconciliation rules that match how your team actually works.
- Real-time reporting: Pull up-to-date financial data on demand for faster decision-making.
Pricing
Rydoo has four pricing tiers:
- Essentials: $9/user/month when billed annually, which includes a mobile app with receipt scanner, unlimited expenses, basic integrations, and local tax compliance.
- Pro: $11/user/month when billed annually, which adds per diems, online accounting integrations, customizable policies, and multi-country compliance.
- Business: Custom pricing, which adds SFTP access, API access, custom bank transaction feeds, and priority support.
- Enterprise: Custom pricing, which adds advanced approval workflows, SAML SSO, an insights management dashboard, and extended sandbox access.
Pros and Cons
✅ Clean, intuitive interface that makes submitting and managing expenses simple for non-technical users.
✅ Automatic receipt scanning that consistently saves time and reduces manual data entry.
✅ Strong multi-country compliance support for teams operating across different jurisdictions.
❌ Business and Enterprise plans do not have public pricing.
#3: BILL
Best for: Businesses that want to handle AP, AR, expense tracking, and card spending from a single dashboard without switching between tools.
Similar to: Xpence, Tipalti.
BILL is a financial operations platform that pulls together payables, receivables, and expense management in one place.
Features
- All-in-one financial hub: Handle invoices, collections, spending, and expenses from a single login with automatic data sync across every module.
- Accounting software connections: Push data to your existing accounting stack without re-entering figures or exporting spreadsheets.
Pricing
BILL has four tiers:
- Essentials: $49/user/month, which cuts AP processing time and includes core AP and AR functionality along with live chat and phone support.
- Team: $65/user/month, which adds two-way sync with leading accounting platforms, tighter controls, and custom user roles.
- Corporate: $89/user/month, which combines AP and AR management with custom approval policies and extra customization.
- Enterprise: Custom pricing, which adds priority support, multi-location accounting capabilities, and additional integrations.
Pros and Cons
✅ Handles payables, receivables, and expenses in a single interface, which is rare at this price point.
✅ Two-way accounting sync keeps data flowing without manual reconciliation.
❌ One user mentions that they find it challenging at times to map and integrate custom fields or make changes to existing fields.
#4: Spendesk
Best for: Organizations that want to remove paper from the reimbursement process and catch invoice errors before they reach the books.
Similar to: Rydoo.
Spendesk brings together spending approvals, reimbursement processing, and invoice management in a single platform geared toward businesses in the UAE.
Its OCR engine reads receipt details automatically, and the mobile app lets employees file reimbursement requests from wherever they are.
Features
- Live expense oversight: Your finance team sees errors and missing receipts as they happen, not days later during a reconciliation session.
- Mobile-first reimbursements: Employees photograph receipts on their phone and the submission routes itself through your approval pipeline.
- Invoice error detection: The system catches duplicate invoices and data mismatches before they contaminate your financial records.
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
✅ Invoice management with accounting integrations is included from the Essentials tier.
✅ The duplicate detection engine is a genuinely useful safety net for busy finance teams.
✅ Budgeting controls give you live visibility into who's spending what.
❌ Pricing is not transparent.
#5: Mamo
Best for: UAE businesses that want to issue unlimited cards to their team with cashback on international purchases and PCI-certified transaction security.
Similar to: Pemo, Alaan.
Mamo lets you issue as many virtual and physical corporate cards as your team needs, with no cap.
The platform pairs real-time expense visibility with up to 2% cashback on non-AED transactions and a PCI-DSS certified infrastructure that keeps card data locked down.
Features
- No card limits: Hand out as many virtual or physical cards as your team requires and control individual budgets for each one.
- International cashback: Cards work worldwide, both online and in person, with up to 2% returned on non-AED purchases.
- PCI-DSS security: Real-time transaction alerts, instant card freezing, and certified data protection standards.
Pricing
Mamo has three tiers:
- Growth: No monthly fee, but 2.9% plus AED 1 per transaction. Covers Visa, Mastercard, Apple Pay support, corporate cards, and e-commerce integrations.
- Premium: AED 99/month with lower fees at 2.7% plus AED 0.8 per transaction. Adds free UAE ATM withdrawals and branded payment links.
- Enterprise: Custom pricing for businesses processing over AED 500,000/month, with a dedicated customer success manager assigned.
Pros and Cons
✅ PCI-DSS certification provides enterprise-level card data security.
✅ International usability with a competitive cashback rate on cross-border transactions.
✅ No ceiling on the number of cards you can issue to your team.
❌ 2.9% plus AED 1 per transaction on the free plan can add up with heavy usage.
#6: Tipalti
Best for: Growing companies that need to process expense reimbursements across dozens of countries and currencies without manual intervention.
Similar to: Rydoo, BILL.
Tipalti is a finance automation platform that covers expense management, global reimbursements, and accounts payable workflows.
Its standout capability is processing payments to 196 countries using over 120 currencies and 50 different payment methods, which makes it a natural fit for businesses with international operations.
Features
- Worldwide reimbursements: Pay employees and contractors in 196 countries across 120 currencies through 50 different payment channels securely.
- Multi-card support: Reconcile card spending across Mastercard, Visa, AmEx, and Tipalti's own card from a single interface.
- Accelerated close: Cut your monthly closing timeline by an estimated 25% through native integrations with NetSuite, Sage Intacct, and QuickBooks.
- Consolidated expense view: Track both out-of-pocket claims and card-based transactions in one dashboard for cleaner budget oversight.
Pricing
Tipalti has three plans:
- Select: $99/month, which covers a supplier self-service portal, AI-powered invoice reading, configurable approval rules, and ERP connections.
- Advanced: $199/month, which adds introductory procurement tools, multi-entity and multi-currency infrastructure, optional bulk payments, and 2- and 3-way PO matching.
- Elevate: Custom pricing, which adds a complete procurement module, budget management, and Slack integration.
Pros and Cons
✅ Takes significant manual effort out of accounts payable, saving finance teams hours per week.
✅ Suppliers manage their own profiles and track invoices through a dedicated portal, reducing back-and-forth emails.
✅ Native NetSuite sync eliminates the need for manual data uploads.
❌ Higher starting price at $99/month than some of the other competitors on the market.
#7: Xpence
Best for: UAE-based businesses that want every transaction automatically tagged and categorized, with analytics that reveal team spending habits over time.
Similar to: Pluto, Pemo.
Xpence is a spend management platform for UAE companies that auto-classifies every purchase the moment it happens and gives finance leaders analytics on where and how their team is spending.
If your main goal is automating the bookkeeping side of expense management, Xpence keeps your records organized without manual input.
Features
- Instant transaction tagging: Every card purchase is categorized automatically in real-time, so your books stay current as spending happens.
- Single-pane spending view: All expenses across your team are visible from one centralized screen, giving you better oversight without switching between tools.
- Behavioral analytics: See which departments or employees spend the most, identify patterns, and adjust budgets based on actual data.
Pricing
Xpence doesn't share its pricing publicly. You'd need to contact their team for a walkthrough and a custom quote.
Pros and Cons
✅ Handles SaaS subscription tracking and recurring payment management well.
✅ Real-time transaction monitoring with approval workflows built in.
✅ Spending analytics give you a data-backed view of how your team uses their cards.
❌ No public pricing, unlike many Xpence alternatives.
Get Started With Pemo For Free Today
I reviewed 9 alternatives to Expensify in this guide, spanning UAE-built card platforms, international reimbursement tools, and full-scale financial operations software.
Some focus on digitizing the expense reporting workflow, while others aim to eliminate expense reports altogether by putting controlled corporate cards in your team's hands.
Pemo helps UAE companies move from reporting on past spending to controlling future spending, with the accounting taken care of automatically.
If you want a spend management platform that delivers:
- Automated approval workflows for invoices and card-based expenses.
- Native integrations with QuickBooks, Xero, Zoho Books, Wafeq, and Tally.
- Spending controls at the per-transaction, daily, weekly, and monthly level.
- Cashback on advertising spend and international transactions through 300 partner discounts.
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 8th of May, 2026 and if there's any misinterpretation of the information, please contact us and we will fact check it.
