All comparisons
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 | PL Plooto Built in Canada | BI BILL (Bill.com) | ME Melio | RO Routable | FF Float Financial Built in Canada | RA Ramp | AI Airbase (a Paylocity company) | RH Rho | BR Brex | JE Jeeves | WE 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 | 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 |
| 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 |
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| 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) |
| 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 |
PLPlooto Built in Canada
Plooto Built in Canada
- Type
- AP automation
- Best for
- From $32/mo (Grow) · $59/mo unlimited · +$0.50/EFT, $3/CRA
- Price
- From $32/mo (Grow) · $59/mo unlimited · +$0.50/EFT, $3/CRA
- Key features
- AP + AR automation on Canadian rails
- QuickBooks Online + Xero two-way sync
- Multi-step approval workflows
- $0.50 EFT · $3 CRA · $1.99 cheque · $10 intl
- 10 free transactions on trial; no setup fee
- Support
- Mon–Fri 9a–6p ET (email + chat)
BIBILL (Bill.com)
BILL (Bill.com)
- Type
- AP automation
- Best for
- US$45 (Essentials) · US$55 (Team) · US$89 (Corporate) per user/mo
- Price
- US$45 (Essentials) · US$55 (Team) · US$89 (Corporate) per user/mo
- Key features
- AP + AR automation, per-user pricing
- QuickBooks / Xero / NetSuite / Sage Intacct sync
- Granular approval policies + roles
- Vendor + invoice management
- USD + international payments (no CAD rail)
- Support
- Mon–Fri 5a–6p PT (email + chat)
MEMelio
Melio
- Type
- AP automation
- Best for
- Free (Go, 5 ACH/mo) · Core US$25 · Boost US$55 · Unlimited US$80/mo
- Price
- Free (Go, 5 ACH/mo) · Core US$25 · Boost US$55 · Unlimited US$80/mo
- Key features
- Free ACH bill pay (5/mo on Go, 20/mo on Core)
- Pay US vendors by card (2.9%) — even cheque-only ones
- QuickBooks Online sync (paid tiers)
- Approval workflows on paid tiers
- Same-day ACH 1% (max $30) · pays 15+ currencies incl. CAD
- Support
- Mon–Fri 9a–8p ET (email + chat)
RORoutable
Routable
- Type
- AP automation
- Best for
- Custom: subscription + per-transaction (no per-user fee)
- Price
- Custom: subscription + per-transaction (no per-user fee)
- Key features
- Mass payouts — thousands per CSV upload
- API-first + webhooks for platform payouts
- QuickBooks / NetSuite / Xero sync
- Vendor self-onboarding + transaction monitoring
- Domestic + 220+ country international rails
- Support
- Mon–Fri 9a–5p PT (email + chat)
FFFloat Financial Built in Canada
Float Financial Built in Canada
- Type
- Spend management
- Best for
- Free (Essential) · $10/user/mo (Pro, 90-day trial) · fee-free EFT
- Price
- Free (Essential) · $10/user/mo (Pro, 90-day trial) · fee-free EFT
- Key features
- CAD + USD no-PG corporate cards, 1% cashback
- Fee-free EFT/ACH bill pay (since Aug 2025)
- Automated receipt capture + coding
- Budgets + real-time spend reporting
- Two-way QuickBooks Online + Xero sync
- Support
- Mon–Fri 9a–6p ET (email + chat)
RARamp
Ramp
- Type
- Spend management
- Best for
- Free core · Plus US$15/user/mo · 1.5% cashback (USD only)
- Price
- Free core · Plus US$15/user/mo · 1.5% cashback (USD only)
- Key features
- Free core: cards + expenses + bill pay, no caps
- 1.5% flat cashback on all card spend
- Procurement + automated price-savings insights
- Accounting + ERP integrations
- USD accounts only — no Canadian entity
- Support
- Mon–Fri 9a–9p ET (email + chat)
AIAirbase (a Paylocity company)
Airbase (a Paylocity company)
- Type
- Spend management
- Best for
- Custom (seat + volume); enterprise-tier, sales-led
- Price
- Custom (seat + volume); enterprise-tier, sales-led
- Key features
- AP automation + bill pay
- Corporate cards + employee reimbursements
- Procurement + multi-subsidiary support
- One approval engine across all spend
- Pairs with Paylocity payroll/HCM
- Support
- Mon–Fri 9a–6p PT (email + chat)
RHRho
Rho
- Type
- Spend management
- Best for
- Free platform (no user/platform fees) · 1.25–2% cashback (USD)
- Price
- Free platform (no user/platform fees) · 1.25–2% cashback (USD)
- Key features
- Business banking + treasury, no fees
- Corporate cards: 1.25% (Platinum 2%) cashback
- AP automation + bill pay
- Expense management + accounting sync
- US bank-partner issued — no Canadian entity
- Support
- Mon–Fri 9a–6p ET (email + chat)
BRBrex
Brex
- Type
- Corporate card
- Best for
- Free (Essentials, eligibility-gated) · Premium US$12/user/mo (USD)
- Price
- Free (Essentials, eligibility-gated) · Premium US$12/user/mo (USD)
- Key features
- Corporate cards + granular spend limits
- Expense management + bill pay
- Global rewards program
- AI compliance checks (Premium)
- USD accounts only — no Canadian issuance
- Support
- 24/7 (chat)
JEJeeves
Jeeves
- Type
- Corporate card
- Best for
- Custom · competitive cross-border FX (not fee-free)
- Price
- Custom · competitive cross-border FX (not fee-free)
- Key features
- CAD/USD/EUR/GBP multi-currency cards
- Canadian Mastercard via Peoples Trust
- Cross-border vendor payments, 150+ countries
- Spend controls + budgets + expense mgmt
- Accounting integrations
- Support
- Mon–Fri 9a–6p ET (email + chat)
WEWealthsimple Built in Canada
Wealthsimple Built in Canada
- Type
- Corporate card
- Best for
- Free ($0/mo) · 1.25–2.25% interest · free CRA payments
- Price
- Free ($0/mo) · 1.25–2.25% interest · free CRA payments
- Key features
- $0/mo chequing, no minimums
- 1.25–2.25% tiered interest on balances
- Free CRA payments + unlimited e-Transfers
- Prepaid Visa: 1% cashback, no FX markup (spring 2026)
- Canadian-built + regulated (no USD account)
- Support
- Mon–Fri 8a–8p ET (email + chat)