Accounting · head to head
Conta vs Mesh Payments
Conta
Accounting
Norwegian accounting software for small and growing businesses
- From
- Free
- Rated
- -
Mesh Payments
Accounting
Virtual card and spend management platform aimed at SaaS and travel spend
- From
- Free
- Rated
- -
The short version
- Each has a real cost: Conta norwegian pricing only: displayed in NOK without multi-currency support for international comparisons; Mesh Payments cashback only applies above a monthly spend threshold published at around fifty thousand dollars, so smaller programmes pay the per user fee and never see the rebate that justifies it.
- Prices and features above were last checked on 2 September 2026.
Where they differ
Only the attributes on which Conta and Mesh Payments actually diverge.
| Attribute | Conta | Mesh Payments |
|---|---|---|
| Pricing model | subscription | Per user per month |
| Platforms | Web | Web, iOS, Android |
Identical on both: starting price (Free), free tier (Yes), user rating (Not yet rated), category (Accounting).
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 Conta
Nothing recorded that Mesh Payments does not also cover.
Only in Mesh Payments
- Per vendor virtual cards
- Physical and virtual employee cards
- Subscription and renewal tracking
- Receipt capture and matching
- Approval workflows
- Travel spend controls
- Accounting sync
- Cashback programme
What people use each for
The jobs each tool is most often brought in to do.
Conta
- Norwegian small business accounting and invoicingnot Mesh Payments
- Project and department cost trackingnot Mesh Payments
- EHF/eInvoice generation for Norwegian regulatory compliancenot Mesh Payments
Mesh Payments
- A software company trying to stop shadow SaaS renewals by giving every vendor its own capped cardnot Conta
- A finance team that wants receipts matched at the point of spend rather than chased at month endnot Conta
- A business issuing single use cards for contractor and agency payments with hard limitsnot Conta
- A team funding trip specific spend with a card that expires when the trip endsnot Conta
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Conta
- Norwegian pricing only: displayed in NOK without multi-currency support for international comparisons
- Annual billing required: no monthly-pay option for either tier, forcing yearly commitment
- Pro tier vaporware: listed as 'coming soon' with no pricing or feature roadmap provided
- Limited feature differentiation: Smart tier is 'most selected' by customers but does not clearly explain what additional business value justifies 62% price premium over Standard
Mesh Payments
- Cashback only applies above a monthly spend threshold published at around fifty thousand dollars, so smaller programmes pay the per user fee and never see the rebate that justifies it.
- Revenue depends on interchange, which means Mesh has a structural interest in card spend running through its rails and less incentive to support bank transfer or direct debit payment methods that many suppliers prefer.
- Card issuing is limited to the entities and countries Mesh's issuing partners support, so groups with subsidiaries outside that footprint must run a second card programme and lose the single view they bought Mesh for.
- The free Pro tier caps at three users, which is below the size at which spend control actually becomes a problem, so it functions as a trial rather than a usable plan.
- It is a spend and card tool rather than an accounts payable system, so invoice heavy businesses still need a separate AP platform and end up reconciling two sources of supplier spend.
Pricing, plan by plan
Conta
Free- Conta Regnskap Standard$209/month (billed annually)
- Conta Regnskap Smart$339/month (billed annually)
- Conta Regnskap Pro$undefined/mo
Mesh Payments
Free- ProFree
- Up to 3 users
- Virtual and physical cards
- Receipt capture
- Premium$13/month
- Unlimited users
- Approval workflows
- Subscription management
- Enterprise$undefined/month
- Multi entity support
- SSO and advanced controls
- Custom approval hierarchies
Which should you pick?
Choose Mesh Payments if
- You need per vendor virtual cards.
- You want to start without paying.
- You work on Web, iOS, Android.
- You also want physical and virtual employee cards.
Questions people ask
- Is Conta or Mesh Payments better?
- Neither clearly leads. Conta starts at Free and Mesh Payments at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Conta or Mesh Payments?
- Conta starts at Free and Mesh Payments at Free.
- Does Conta or Mesh Payments run on more platforms?
- Conta runs on Web. Mesh Payments runs on Web, iOS, Android.
- Can I use Conta for free?
- Both have a free tier, so you can try either at no cost before committing.
- What is Conta best used for?
- Conta is most often used for norwegian small business accounting and invoicing, project and department cost tracking, ehf/einvoice generation for norwegian regulatory compliance. Of those, norwegian small business accounting and invoicing and project and department cost tracking are not what Mesh Payments is typically brought in for.
- What can Conta do that Mesh Payments cannot?
- Mesh Payments covers Per vendor virtual cards, Physical and virtual employee cards, Subscription and renewal tracking, Receipt capture and matching.
Answered from the vendors’ own pages
Conta: How much does Conta cost per month?
Conta Regnskap Standard costs 209 NOK/month and Smart costs 339 NOK/month, billed annually. Both exclude VAT and include a 30-day free trial option.
SourceMesh Payments: Is the free plan really free?
Yes for up to three users, with cards and receipt capture included. Beyond three users you move to the paid tier.
Conta: Can I pay monthly instead of annually?
No. Both Standard and Smart tiers require annual billing at a fixed monthly rate. Monthly-payment options are not available.
SourceMesh Payments: How does Mesh make money on a thirteen dollar plan?
Interchange on card spend. The subscription is a minority of revenue, which is why the cashback programme has a monthly spend threshold attached.
Conta: What is included in the Standard vs. Smart plan?
Standard includes accounting, invoicing, unlimited receipts, mobile app, and EHF/eInvoice. Smart adds KID numbers, unlimited EHF, project/department management, free chat/phone support, and exclusive equipment discounts.
SourceMesh Payments: Can Mesh replace our accounts payable process?
Not fully. It controls card spend well but invoice capture, supplier onboarding and payment runs are better served by a dedicated AP tool.
Conta: When will the Pro plan be available and what will it cost?
The Pro tier is listed as 'coming soon' on the pricing page with no published pricing or launch date provided.
SourceRelated pages
More on Mesh Payments
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