Is Extend or Nmbrs better?

Neither clearly leads. Extend starts at Free and Nmbrs at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Extend or Nmbrs?

Extend has a free tier; the other does not. Paid plans start at Free for Extend and On request for Nmbrs.

Does Extend or Nmbrs run on more platforms?

Both run on Web, iOS, Android, so platform support will not decide this one for you.

Can I use Extend for free?

Yes. Extend has a free tier, so you can try it without paying. Nmbrs starts at On request.

What is Extend best used for?

Extend is most often used for a small business wanting free vendor-level virtual card controls without opening a new card programme, a company with an existing amex or bank business card wanting tighter per-vendor spend limits, a finance team wanting predictable per-user pricing rather than a private quote for spend management, a larger business wanting api-driven automated card issuance tied to its existing card relationship. Of those, a small business wanting free vendor-level virtual card controls without opening a new card programme and a company with an existing amex or bank business card wanting tighter per-vendor spend limits are not what Nmbrs is typically brought in for.

What can Extend do that Nmbrs cannot?

Extend covers Virtual card issuing, Per-card spend controls, Approval workflows, Receipt auto-matching. Nmbrs covers Dutch payroll engine, Swedish payroll, Collective agreement handling, Employee self service.

Payroll · head to head

Extend vs Nmbrs

Extend

Payroll

Virtual card issuing and spend controls layered onto existing business credit cards

From: Free
Rated: -

Full review Website

Nmbrs

Payroll

Dutch and Swedish payroll and HR sold largely through accountants, owned by Visma since 2017

From: On request
Rated: -

Full review Website

The short version

Only Extend has a free tier, so it costs nothing to try first.
Each has a real cost: Extend it depends on an existing business credit card relationship, so a company without a qualifying Amex, Visa or Mastercard business card cannot use it as a standalone card issuer.; Nmbrs coverage is the Netherlands and Sweden only, so any international group will run Nmbrs alongside other payroll systems and reconcile them manually.
They diverge on capability: Extend covers Virtual card issuing, Nmbrs covers Dutch payroll engine.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Extend and Nmbrs actually diverge.

Attributes where Extend and Nmbrs differ
Attribute	Extend	Nmbrs
Starting price	Free	On request
Pricing model	Per user per month, free starter tier	quote
Free tier	Yes	No

Identical on both: platforms (Web, iOS, Android), user rating (Not yet rated), category (Payroll).

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 Extend

Virtual card issuing
Per-card spend controls
Approval workflows
Receipt auto-matching
ERP integrations
API access

Only in Nmbrs

Dutch payroll engine
Swedish payroll
Collective agreement handling
Employee self service
HR records
Accountant workspace
Open API
Journal export

What people use each for

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

Extend

A small business wanting free vendor-level virtual card controls without opening a new card programmenot Nmbrs
A company with an existing Amex or bank business card wanting tighter per-vendor spend limitsnot Nmbrs
A finance team wanting predictable per-user pricing rather than a private quote for spend managementnot Nmbrs
A larger business wanting API-driven automated card issuance tied to its existing card relationshipnot Nmbrs

Nmbrs

A Dutch company that wants payroll calculated and filed in-country rather than routed through an international aggregatornot Extend
An accountancy firm running payroll for dozens of client companies from one workspacenot Extend
A Dutch subsidiary of an international group that needs correct CAO and pension fund handlingnot Extend
An HR or time tracking vendor that needs a documented API to push hours and changes into Dutch payrollnot Extend

Where each one falls short

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

Extend

It depends on an existing business credit card relationship, so a company without a qualifying Amex, Visa or Mastercard business card cannot use it as a standalone card issuer.
The free Starter plan is capped at five users and 100 cards a month, which small but growing teams will outgrow quickly and need to upgrade past.
The Pro plan enforces a ten-user minimum, so a company with only two or three people who need virtual cards pays for unused seats.
Rewards, credit terms and dispute resolution still run through the underlying card issuer, so Extend cannot improve or change those terms; it only adds a control layer on top.
Deeper ERP integrations such as NetSuite and Dynamics 365 are reserved for the custom-quoted Enterprise tier, so companies needing them lose the pricing transparency of the published Starter and Pro plans.

Nmbrs

Coverage is the Netherlands and Sweden only, so any international group will run Nmbrs alongside other payroll systems and reconcile them manually.
Most customers buy through an accountancy or payroll bureau, which means the price, the service level and the escalation path are set by an intermediary rather than by Visma.
English documentation and support lag behind the Dutch material, which slows down international finance teams trying to understand what a declaration actually contains.
The HR modules are basic next to a dedicated HRIS, so companies typically pair Nmbrs with another system and maintain an integration between them.
Ownership by Visma places it inside a large portfolio with overlapping payroll products, and buyers should ask where Nmbrs sits in that portfolio before committing to a long contract.

Pricing, plan by plan

Extend

Free

StarterFree
- Up to 5 users and 10 guests
- Up to 100 virtual cards per month
- One expense category
Pro$11.99/month
- 10 user minimum
- Up to 500 virtual cards per month
- Custom approval workflows and QuickBooks Online integration
Enterprise$undefined/month
- Unlimited users and virtual cards
- API access for automated card issuance
- NetSuite and Dynamics 365 integration, dedicated account manager

Nmbrs

On request

Nmbrs$undefined/year
- Priced per employee per month, commonly resold by accountancy firms
- Payroll and HR modules licensed separately
- Direct pricing differs from partner pricing

Which should you pick?

Choose Extend if

You need virtual card issuing.
You want to start without paying.
You work on Web, iOS, Android.
You also want per-card spend controls.

Extend review

Choose Nmbrs if

You need dutch payroll engine.
You work on Web, iOS, Android.
You also want swedish payroll.

Nmbrs review

Questions people ask

Is Extend or Nmbrs better?: Neither clearly leads. Extend starts at Free and Nmbrs at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Extend or Nmbrs?: Extend has a free tier; the other does not. Paid plans start at Free for Extend and On request for Nmbrs.
Does Extend or Nmbrs run on more platforms?: Both run on Web, iOS, Android, so platform support will not decide this one for you.
Can I use Extend for free?: Yes. Extend has a free tier, so you can try it without paying. Nmbrs starts at On request.
What is Extend best used for?: Extend is most often used for a small business wanting free vendor-level virtual card controls without opening a new card programme, a company with an existing amex or bank business card wanting tighter per-vendor spend limits, a finance team wanting predictable per-user pricing rather than a private quote for spend management, a larger business wanting api-driven automated card issuance tied to its existing card relationship. Of those, a small business wanting free vendor-level virtual card controls without opening a new card programme and a company with an existing amex or bank business card wanting tighter per-vendor spend limits are not what Nmbrs is typically brought in for.
What can Extend do that Nmbrs cannot?: Extend covers Virtual card issuing, Per-card spend controls, Approval workflows, Receipt auto-matching. Nmbrs covers Dutch payroll engine, Swedish payroll, Collective agreement handling, Employee self service.

Answered from the vendors’ own pages

Extend: Does Extend replace our business credit card?

No, it issues virtual cards against an existing American Express, Visa or Mastercard business credit line rather than opening a new card programme.

Nmbrs: Does Nmbrs actually file Dutch payroll taxes?

Yes. It calculates wage tax and submits the loonaangifte to the Belastingdienst, along with pension fund and sector scheme declarations. It is not an aggregator passing data to a bureau.

Extend: Is there really a free plan?

Yes, the Starter plan is free for up to five users, ten guests and 100 virtual cards a month.

Nmbrs: Which countries does it cover?

The Netherlands and Sweden. Nowhere else.

Extend: What does Pro cost?

11.99 dollars per user per month billed annually, or 12 dollars monthly, with a ten-user minimum.

Nmbrs: Do I buy it direct or through an accountant?

Both are possible, but most Dutch customers come through an accountancy or payroll administration firm, and the price and support come from that firm.

Nmbrs: Who owns Nmbrs?

Visma, the Nordic business software group, acquired it in 2017.

Extend vs Nmbrs

Extend

Nmbrs

The short version

Where they differ

What each one covers

Only in Extend

Only in Nmbrs

What people use each for

Extend

Nmbrs

Where each one falls short

Extend

Nmbrs

Pricing, plan by plan

Extend

Nmbrs

Which should you pick?

Choose Extend if

Choose Nmbrs if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Extend

More on Nmbrs

Keep looking

Other head to heads