Compare Spend & purchasing platforms
Compare Canadian-friendly purchasing platforms — accounts-payable automation, full spend management, and corporate cards. CAD/USD support, QuickBooks / Xero sync depth, FX fees, and cross-border fit for Canadian small business.
| Compare |  Plooto |  BILL (Bill.com) |  Melio |  Routable |  Float Financial |  Ramp |  Airbase (a Paylocity company) |  Rho |  Brex |  Jeeves |  Wealthsimple |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Built in Canada | 🇨🇦 | 🇨🇦 | 🇨🇦 | ||||||||
| Type | AP automation | AP automation | AP automation | AP automation | Spend management | Spend management | Spend management | Spend management | Corporate card | Corporate card | Corporate card |
| Best for | Canadian SMBs paying domestic vendors + CRA on EFT rails | Mid-market AP teams with many approvers + ERP sync needs | Smallest US-vendor-heavy teams wanting free bill pay | High-volume mass-payout platforms + marketplaces | Canadian SMBs wanting CAD cards + spend control in one | US-entity startups wanting free cards + 1.5% cashback (USD) | Mid-market finance teams already on Paylocity HCM | US-entity teams wanting banking + treasury + cards bundled | VC-backed companies scaling internationally on USD | Canadian businesses with multi-currency vendors + payroll | Solo Canadian operators wanting free CAD chequing |
| Price | From $32/mo (Grow) · $59/mo unlimited · +$0.50/EFT, $3/CRA | US$45 (Essentials) · US$55 (Team) · US$89 (Corporate) per user/mo | Free (Go, 5 ACH/mo) · Core US$25 · Boost US$55 · Unlimited US$80/mo | Custom: subscription + per-transaction (no per-user fee) | Free (Essential) · $10/user/mo (Pro, 90-day trial) · fee-free EFT | Free core · Plus US$15/user/mo · 1.5% cashback (USD only) | Custom (seat + volume); enterprise-tier, sales-led | Free platform (no user/platform fees) · 1.25–2% cashback (USD) | Free (Essentials, eligibility-gated) · Premium US$12/user/mo (USD) | Custom · competitive cross-border FX (not fee-free) | Free ($0/mo) · 1.25–2.25% interest · free CRA payments |
| Support | Mon–Fri 9a–6p ET (email + chat) | Mon–Fri 5a–6p PT (email + chat) | Mon–Fri 9a–8p ET (email + chat) | Mon–Fri 9a–5p PT (email + chat) | Mon–Fri 9a–6p ET (email + chat) | Mon–Fri 9a–9p ET (email + chat) | Mon–Fri 9a–6p PT (email + chat) | Mon–Fri 9a–6p ET (email + chat) | 24/7 (chat) | Mon–Fri 9a–6p ET (email + chat) | Mon–Fri 8a–8p ET (email + chat) |
| Features | |||||||||||
| Corporate cards | |||||||||||
| Virtual cards | |||||||||||
| Multi-currency cards | |||||||||||
| Card cashback / rewards | |||||||||||
| Vendor bill pay | |||||||||||
| Canadian CRA payments built in | |||||||||||
| Cross-border payments | |||||||||||
| Receipt OCR / capture | |||||||||||
| Expense reimbursements | |||||||||||
| Approval workflows | |||||||||||
| Budget controls / spend limits | |||||||||||
| QuickBooks Online sync | |||||||||||
| Xero sync | |||||||||||
| Business banking / interest | |||||||||||
| Free or no-platform-fee tier | |||||||||||
| Canadian / CAD-native rail | |||||||||||
| Sign up | Sign up at Plooto | Sign up at BILL (Bill.com) | Sign up at Melio | Sign up at Routable | Sign up at Float Financial | Sign up at Ramp | Sign up at Airbase (a Paylocity company) | Sign up at Rho | Sign up at Brex | Sign up at Jeeves | Sign up at Wealthsimple |
Plooto
Plooto- Built in Canada
- 🇨🇦
- Type
- AP automation
- Best for
- Canadian SMBs paying domestic vendors + CRA on EFT rails
- Price
- From $32/mo (Grow) · $59/mo unlimited · +$0.50/EFT, $3/CRA
- Support
- Mon–Fri 9a–6p ET (email + chat)
Features
- Corporate cards
- Virtual cards
- Multi-currency cards
- Card cashback / rewards
- Vendor bill pay
- Canadian CRA payments built in
- Cross-border payments
- Receipt OCR / capture
- Expense reimbursements
- Approval workflows
- Budget controls / spend limits
- QuickBooks Online sync
- Xero sync
- Business banking / interest
- Free or no-platform-fee tier
- Canadian / CAD-native rail
BILL (Bill.com)
BILL (Bill.com)- Built in Canada
- Type
- AP automation
- Best for
- Mid-market AP teams with many approvers + ERP sync needs
- Price
- US$45 (Essentials) · US$55 (Team) · US$89 (Corporate) per user/mo
- Support
- Mon–Fri 5a–6p PT (email + chat)
Features
- Corporate cards
- Virtual cards
- Multi-currency cards
- Card cashback / rewards
- Vendor bill pay
- Canadian CRA payments built in
- Cross-border payments
- Receipt OCR / capture
- Expense reimbursements
- Approval workflows
- Budget controls / spend limits
- QuickBooks Online sync
- Xero sync
- Business banking / interest
- Free or no-platform-fee tier
- Canadian / CAD-native rail
Melio
Melio- Built in Canada
- Type
- AP automation
- Best for
- Smallest US-vendor-heavy teams wanting free bill pay
- Price
- Free (Go, 5 ACH/mo) · Core US$25 · Boost US$55 · Unlimited US$80/mo
- Support
- Mon–Fri 9a–8p ET (email + chat)
Features
- Corporate cards
- Virtual cards
- Multi-currency cards
- Card cashback / rewards
- Vendor bill pay
- Canadian CRA payments built in
- Cross-border payments
- Receipt OCR / capture
- Expense reimbursements
- Approval workflows
- Budget controls / spend limits
- QuickBooks Online sync
- Xero sync
- Business banking / interest
- Free or no-platform-fee tier
- Canadian / CAD-native rail
Routable
Routable- Built in Canada
- Type
- AP automation
- Best for
- High-volume mass-payout platforms + marketplaces
- Price
- Custom: subscription + per-transaction (no per-user fee)
- Support
- Mon–Fri 9a–5p PT (email + chat)
Features
- Corporate cards
- Virtual cards
- Multi-currency cards
- Card cashback / rewards
- Vendor bill pay
- Canadian CRA payments built in
- Cross-border payments
- Receipt OCR / capture
- Expense reimbursements
- Approval workflows
- Budget controls / spend limits
- QuickBooks Online sync
- Xero sync
- Business banking / interest
- Free or no-platform-fee tier
- Canadian / CAD-native rail
Float Financial
Float Financial- Built in Canada
- 🇨🇦
- Type
- Spend management
- Best for
- Canadian SMBs wanting CAD cards + spend control in one
- Price
- Free (Essential) · $10/user/mo (Pro, 90-day trial) · fee-free EFT
- Support
- Mon–Fri 9a–6p ET (email + chat)
Features
- Corporate cards
- Virtual cards
- Multi-currency cards
- Card cashback / rewards
- Vendor bill pay
- Canadian CRA payments built in
- Cross-border payments
- Receipt OCR / capture
- Expense reimbursements
- Approval workflows
- Budget controls / spend limits
- QuickBooks Online sync
- Xero sync
- Business banking / interest
- Free or no-platform-fee tier
- Canadian / CAD-native rail
Ramp
Ramp- Built in Canada
- Type
- Spend management
- Best for
- US-entity startups wanting free cards + 1.5% cashback (USD)
- Price
- Free core · Plus US$15/user/mo · 1.5% cashback (USD only)
- Support
- Mon–Fri 9a–9p ET (email + chat)
Features
- Corporate cards
- Virtual cards
- Multi-currency cards
- Card cashback / rewards
- Vendor bill pay
- Canadian CRA payments built in
- Cross-border payments
- Receipt OCR / capture
- Expense reimbursements
- Approval workflows
- Budget controls / spend limits
- QuickBooks Online sync
- Xero sync
- Business banking / interest
- Free or no-platform-fee tier
- Canadian / CAD-native rail
Airbase (a Paylocity company)
Airbase (a Paylocity company)- Built in Canada
- Type
- Spend management
- Best for
- Mid-market finance teams already on Paylocity HCM
- Price
- Custom (seat + volume); enterprise-tier, sales-led
- Support
- Mon–Fri 9a–6p PT (email + chat)
Features
- Corporate cards
- Virtual cards
- Multi-currency cards
- Card cashback / rewards
- Vendor bill pay
- Canadian CRA payments built in
- Cross-border payments
- Receipt OCR / capture
- Expense reimbursements
- Approval workflows
- Budget controls / spend limits
- QuickBooks Online sync
- Xero sync
- Business banking / interest
- Free or no-platform-fee tier
- Canadian / CAD-native rail
Rho
Rho- Built in Canada
- Type
- Spend management
- Best for
- US-entity teams wanting banking + treasury + cards bundled
- Price
- Free platform (no user/platform fees) · 1.25–2% cashback (USD)
- Support
- Mon–Fri 9a–6p ET (email + chat)
Features
- Corporate cards
- Virtual cards
- Multi-currency cards
- Card cashback / rewards
- Vendor bill pay
- Canadian CRA payments built in
- Cross-border payments
- Receipt OCR / capture
- Expense reimbursements
- Approval workflows
- Budget controls / spend limits
- QuickBooks Online sync
- Xero sync
- Business banking / interest
- Free or no-platform-fee tier
- Canadian / CAD-native rail
Brex
Brex- Built in Canada
- Type
- Corporate card
- Best for
- VC-backed companies scaling internationally on USD
- Price
- Free (Essentials, eligibility-gated) · Premium US$12/user/mo (USD)
- Support
- 24/7 (chat)
Features
- Corporate cards
- Virtual cards
- Multi-currency cards
- Card cashback / rewards
- Vendor bill pay
- Canadian CRA payments built in
- Cross-border payments
- Receipt OCR / capture
- Expense reimbursements
- Approval workflows
- Budget controls / spend limits
- QuickBooks Online sync
- Xero sync
- Business banking / interest
- Free or no-platform-fee tier
- Canadian / CAD-native rail
Jeeves
Jeeves- Built in Canada
- Type
- Corporate card
- Best for
- Canadian businesses with multi-currency vendors + payroll
- Price
- Custom · competitive cross-border FX (not fee-free)
- Support
- Mon–Fri 9a–6p ET (email + chat)
Features
- Corporate cards
- Virtual cards
- Multi-currency cards
- Card cashback / rewards
- Vendor bill pay
- Canadian CRA payments built in
- Cross-border payments
- Receipt OCR / capture
- Expense reimbursements
- Approval workflows
- Budget controls / spend limits
- QuickBooks Online sync
- Xero sync
- Business banking / interest
- Free or no-platform-fee tier
- Canadian / CAD-native rail
Wealthsimple
Wealthsimple- Built in Canada
- 🇨🇦
- Type
- Corporate card
- Best for
- Solo Canadian operators wanting free CAD chequing
- Price
- Free ($0/mo) · 1.25–2.25% interest · free CRA payments
- Support
- Mon–Fri 8a–8p ET (email + chat)
Features
- Corporate cards
- Virtual cards
- Multi-currency cards
- Card cashback / rewards
- Vendor bill pay
- Canadian CRA payments built in
- Cross-border payments
- Receipt OCR / capture
- Expense reimbursements
- Approval workflows
- Budget controls / spend limits
- QuickBooks Online sync
- Xero sync
- Business banking / interest
- Free or no-platform-fee tier
- Canadian / CAD-native rail