Netspend vs. Perpay Comparison Chart

Wallester is an Estonian-licensed financial institution and official Visa partner since 2018, specialising in digital financial solutions and card issuance. We help companies across the EEA and the UK streamline payments, launch branded cards, and scale efficiently. What we do: 1️⃣ White-Label Solution with Embedded Finance Our White-Label solution lets businesses integrate financial services directly into their platforms—known as embedded finance. This enables branded payment cards tailored to specific needs, improving customer experience and opening new revenue streams. We ensure swift time-to-market with simplified integration and dedicated support. 2️⃣ Wallester Business: Corporate Expense Management Wallester Business modernises corporate expense management with instant access to virtual and physical Visa cards. Through our app and portal, companies can track expenses, analyse budgets, and integrate seamlessly with accounting systems for better financial control.

BILL (NYSE: BILL) is a leading financial operations platform for small and midsize businesses (SMBs). As a champion of SMBs, we are automating the future of finance so businesses can thrive. Our integrated platform helps businesses to more efficiently control their payables, receivables and spend and expense management. Hundreds of thousands of businesses rely on BILL’s proprietary member network of millions to pay or get paid faster. Headquartered in San Jose, California, BILL is a trusted partner of leading U.S. financial institutions, accounting firms, and accounting software providers. For more information, visit bill.com.

Melio is an accounts payable tool built to simplify bill payments, boost workflow efficiency, and optimize cash flow for businesses of all sizes. To get started, try all of Melio's features free for 30 days! Pay vendors online through bank transfers or credit/debit cards, even if they typically accept checks—Melio manages the manual work for you. Effortlessly integrate with QuickBooks and Xero to ensure your financial records stay current. With Melio, pay by bank transfer or card to extend cash flow and earn rewards. Adding vendor or bill details is a breeze—input them manually, upload files, or take a photo of invoices. Schedule payments to align with your cash flow, and let Melio handle the rest. International vendor payments are made easy by paying in their local currency for products and services your business needs. The Melio mobile app, available for iOS and Android, lets you monitor and manage payments anytime, giving you full control over your finances on the go.

FISPAN partners with your bank to deliver embedded, automated ERP banking solutions for accounts payable, accounts receivable, bank feeds, and cash management. Eliminate error-prone manual processes and embrace secure, seamless ERP-to-bank connectivity. Integrate your banking directly into leading ERP and accounting platforms, including NetSuite, Sage Intacct, Microsoft Dynamics 365 Business Central, Workday, QuickBooks, and Xero. Streamline AP workflows, initiate vendor payments, manage expense reimbursements, automate cash application, and send detailed remittance advice emails, all without leaving your system of record. Access near real-time account balances and transactions across entities, initiate book transfers, and automate reconciliation with secure API connections. No file uploads. No bank statement formatting. Just reliable, scalable embedded ERP banking powered by FISPAN.

Streamline your business with Rippling’s all-in-one platform for HR, IT, payroll, and spend management. Effortlessly manage the entire employee lifecycle, from hiring to benefits administration. Automate HR tasks, ensure compliance, and streamline approvals. Simplify IT with device management, software access, and compliance monitoring, all from one dashboard. Enjoy timely payroll, real-time financial visibility, and dynamic spend policies. Rippling empowers your business to save time, reduce costs, and enhance efficiency, allowing you to focus on growth. Experience the power of unified management with Rippling today.

Motivosity is an employee recognition and rewards platform that helps companies build stronger culture, increase engagement, and foster connection. From peer-to-peer appreciation to manager bonuses, milestone celebrations, and lifestyle rewards, Motivosity makes it easy to show gratitude at scale. Employees can redeem rewards through Amazon, PayPal, branded swag, and more. HR teams get tools for surveys, engagement tracking, and analytics—all integrated with Slack, Teams, ADP, Workday, and most HRIS platforms. It’s simple to use, quick to implement, and drives real results: Motivosity customers see lower turnover, higher eNPS, and deeper peer connection. With customizable rewards, lifestyle spending accounts, and built-in feedback tools like MV6, Motivosity gives HR leaders a modern way to support employee well-being, boost morale, and build cultures of gratitude that actually stick.

Native Teams is a global platform that enables businesses to hire, onboard, pay, and manage international teams in 85+ countries without the need for local entities. Trusted by 3,000+ businesses worldwide, Native Teams handles global hiring bureaucracy, allowing companies to scale globally with confidence. Our key services include: • Employer of Record (EOR): We act as the legal employer to handle contracts, payroll, taxes, and benefits in compliance with local laws • Gig Pay: A solution designed for businesses that want to pay gig workers quickly, securely and across borders • Entity Management: We support legal entity setup and ongoing compliance for businesses establishing operations abroad • Contractor Pay: Multi-currency payments and tax-compliant contractor management simplified on one platform • Contractor of Record: We manage contractor contracts and legal obligations to minimise risk • Relocation services: Assistance with work permits and visas; available with EOR plan

Business banking made for America. Business builders asked for better banking. So we built North One. Open an account in minutes. Building your business, creating jobs and serving your community is what you do. It’s hard work. North One makes the hardest parts of running your business easy. Focus on the road ahead, we’ve got your back. North One is proudly built for small businesses, startups and freelancers across America. Make payments easily, keep tabs on your money and put your finances on autopilot through smart integrations with the tools you’re already using. North One was built to make managing money easy so you can focus on running your business. No more branches. No more lines. No more paperwork. Get complete access to your North One Account from your phone or computer, wherever your business takes you. Create Envelopes for taxes, payroll, rent, and anything else automatically.

TrueLoyal is an AI-powered loyalty platform built for multi-channel consumer brands that want to increase retention and lifetime value. It helps businesses design, launch, and optimize loyalty programs that connect seamlessly across online, offline, and distributor channels. With features like receipt scanning, gamification, predictive consumer insights, and personalized engagement, it ensures brands can build long-term customer advocacy. TrueLoyal integrates with existing systems through pre-built connectors and an open API, making it easy to connect with eCommerce, POS, and marketing platforms. Brands across industries such as automotive, beauty, food, and retail have reported dramatic increases in customer retention and repeat revenue. Backed by proven case studies, TrueLoyal positions itself as the central hub for customer retention strategies.

Make invoicing and billing painless for your small business with FreshBooks. A top-rated invoice and accounting software for self-employed professionals and small businesses, FreshBooks offers a fast, easy, and secure way of crunching numbers so companies can focus on doing the work they love. It offers a wealth of powerful features that includes invoicing, expense tracking, time tracking, project management, payment processing, and reporting. FreshBooks also lets users work from anywhere with the Freshworks mobile app.