Softwr

Accounting · head to head

Airbase vs Sardine

Airbase logo

Airbase

Accounting

Spend management combining corporate cards, bill payment and expense claims, now part of Paylocity

From
$29/month
Rated
-
Full reviewWebsite
Sardine logo

Sardine

Cybersecurity

Device intelligence and behaviour biometrics for fraud and compliance

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Airbase card issuing and bill payment are built around United States entities and United States bank accounts, so a group with subsidiaries abroad keeps running local card and payment processes alongside and does not get the single ledger of spend that justified the purchase.; Sardine signal quality depends on the SDK being embedded in your own web and mobile clients, so fraud improvements become dependent on your app release cycle and any coverage gap is a blind spot.
  • They diverge on capability: Airbase covers Corporate cards, Sardine covers Device intelligence.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Airbase and Sardine actually diverge.

Attributes where Airbase and Sardine differ
AttributeAirbaseSardine
Starting price$29/monthOn request
Pricing modelsubscriptionquote
CategoryAccountingCybersecurity
Founded2017Unknown

Identical on both: free tier (No), platforms (Web, Ios, Android), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Airbase

  • Corporate cards
  • Virtual cards per vendor
  • Bill payment
  • Expense reimbursement
  • Unified approval policy
  • Purchase intake and procurement
  • Automated coding
  • Receipt collection

Only in Sardine

  • Device intelligence
  • Behaviour biometrics
  • Scam detection
  • Onboarding risk scoring
  • AML transaction monitoring
  • Dispute and chargeback handling
  • Rules editor

What people use each for

The jobs each tool is most often brought in to do.

Airbase

  • A company that has outgrown one shared company card and needs per person and per subscription cards with real limitsnot Sardine
  • A finance team where supplier invoices arrive in an inbox and approval is whoever replies, with no record afterwardsnot Sardine
  • A controller trying to close the month without rebuilding card and expense coding from statements every timenot Sardine
  • An organisation that wants spend approved before it is committed rather than discovered when the invoice arrivesnot Sardine

Sardine

  • A neobank losing money to authorised push payment scams where the customer genuinely approved the transfernot Airbase
  • A crypto exchange trying to detect accounts being operated by remote access rather than by their ownernot Airbase
  • A fintech seeing synthetic identity signups that pass document verification but share device characteristicsnot Airbase
  • A lender wanting first party fraud signals at application time that a credit bureau file does not containnot Airbase

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Airbase

  • Card issuing and bill payment are built around United States entities and United States bank accounts, so a group with subsidiaries abroad keeps running local card and payment processes alongside and does not get the single ledger of spend that justified the purchase.
  • The value depends on nearly all spend flowing through the platform, which makes partial adoption almost worthless and means the rollout is a change management exercise across every budget holder rather than a finance department deployment.
  • Paylocity's acquisition in 2024 reorients the roadmap towards a human capital management suite, so expense reimbursement is likely to be well served while procurement and the more finance specific features compete for attention with payroll and HR priorities.
  • Pricing combines a platform fee with tiering on features and users, and part of the economics rests on interchange rebates from card spend, so a company that puts most of its spend on transfers rather than cards pays the fee without earning the offset.
  • The general ledger sync is a mapping you own, so a chart of accounts change, a new department dimension or a ledger migration means reworking the coding rules, and a bad mapping quietly posts correct approvals to the wrong accounts.

Sardine

  • Signal quality depends on the SDK being embedded in your own web and mobile clients, so fraud improvements become dependent on your app release cycle and any coverage gap is a blind spot.
  • Behavioural and device telemetry collection needs a documented lawful basis under GDPR, and EU privacy reviews frequently delay rollouts that were scoped as engineering work.
  • Pricing is per session or per active user, so a consumer product with many low value sessions pays in proportion to traffic rather than to fraud exposure.
  • As a younger private company it lacks the enforcement-tested audit history that a bank examiner expects, which makes it a harder sell inside a regulated bank than inside a fintech.
  • It is strongest on session-time signals and weaker as a system of record for long horizon AML typologies, so larger institutions end up running it alongside a traditional monitoring platform rather than instead of one.

Pricing, plan by plan

Airbase

$29/month
  • StandardFree
    • Corporate cards
    • Expense reports
    • Bill pay
  • Premium$10/month
    • Advanced approvals
    • NetSuite sync
    • Procurement
  • Enterprise$undefined/month
    • Custom workflows
    • API access
    • Dedicated support

Sardine

On request
  • Sardine$undefined/year
    • Priced per user session or per monthly active user
    • Annual contract with volume commitment
    • SDK for web, iOS and Android

Which should you pick?

Choose Airbase if

  • You need corporate cards.
  • You work on Web, Ios, Android.
  • You also want virtual cards per vendor.
Airbase review

Choose Sardine if

  • You need device intelligence.
  • You work on Web, iOS, Android.
  • You also want behaviour biometrics.
Sardine review

Questions people ask

Is Airbase or Sardine better?
Neither clearly leads. Airbase starts at $29/month and Sardine at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Airbase or Sardine?
Airbase starts at $29/month and Sardine at On request.
Does Airbase or Sardine run on more platforms?
Airbase runs on Web, Ios, Android. Sardine runs on Web, iOS, Android.
What is Airbase best used for?
Airbase is most often used for a company that has outgrown one shared company card and needs per person and per subscription cards with real limits, a finance team where supplier invoices arrive in an inbox and approval is whoever replies, with no record afterwards, a controller trying to close the month without rebuilding card and expense coding from statements every time, an organisation that wants spend approved before it is committed rather than discovered when the invoice arrives. Of those, a company that has outgrown one shared company card and needs per person and per subscription cards with real limits and a finance team where supplier invoices arrive in an inbox and approval is whoever replies, with no record afterwards are not what Sardine is typically brought in for.
What can Airbase do that Sardine cannot?
Airbase covers Corporate cards, Virtual cards per vendor, Bill payment, Expense reimbursement. Sardine covers Device intelligence, Behaviour biometrics, Scam detection, Onboarding risk scoring.

Answered from the vendors’ own pages

Airbase: Does it work for companies outside the United States?

Partially. Some international spend and reimbursement is supported, but card issuing and the payment rails are strongest for United States entities. Confirm coverage for each country you operate in before assuming it replaces local processes.

Sardine: Does Sardine do document verification?

It focuses on device, behavioural and transaction signals, and integrates identity verification providers rather than being one. Treat it as complementary to a KYC vendor.

Airbase: Does Airbase replace our accounting system?

No. It manages spend and pushes coded transactions into the ledger. QuickBooks, NetSuite or whatever else you use stays.

Sardine: What does it need from us to work?

An SDK in your web and mobile applications plus transaction feeds. Without the client side collector you lose the signals that differentiate it.

Airbase: What changed after the Paylocity acquisition?

Ownership and roadmap direction. The product continues, now positioned alongside Paylocity's payroll and HR products. If procurement is your main reason to buy, ask directly about investment in that module.

Sardine: Is pricing published?

No. It is quoted, typically per session or per monthly active user with an annual volume commitment.

Airbase: How is it priced?

A platform subscription with tiers, plus usage and user dimensions, partly offset by rebates on card spend. Because the rebate depends on card volume, model your own mix of card versus transfer spend before accepting a payback figure.

Airbase: Can we use it for accounts payable only?

You can, but the approval consistency argument weakens considerably. Most of the reported benefit comes from cards, bills and reimbursements sharing one policy and one coding process.

Airbase: Will our auditors accept the approval records?

The per transaction record of approver, receipt and coding is generally what auditors want to see for spend testing. Agree the sampling approach with them early, particularly around any spend that still happens outside the platform.

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