Softwr

Payroll · head to head

Extend vs UKG Pro

Extend logo

Extend

Payroll

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

From
Free
Rated
-
Full reviewWebsite
UKG Pro logo

UKG Pro

Payroll

Our purpose is people

From
On request
Rated
-
Full reviewWebsite

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.; UKG Pro no access to super-user privileges or advanced database customization
  • They diverge on capability: Extend covers Virtual card issuing, UKG Pro covers HR Management.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Extend and UKG Pro actually diverge.

Attributes where Extend and UKG Pro differ
AttributeExtendUKG Pro
Starting priceFreeOn request
Pricing modelPer user per month, free starter tierUnknown
Free tierYesNo
PlatformsWeb, iOS, AndroidWeb, Mobile (iOS/Android), Cloud (Hosted)
FoundedUnknown2020

Identical on both: 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 UKG Pro

  • HR Management
  • Payroll
  • Benefits Administration
  • Talent Management
  • Workforce Management
  • Analytics
  • Salesforce
  • Microsoft 365

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 UKG Pro
  • A company with an existing Amex or bank business card wanting tighter per-vendor spend limitsnot UKG Pro
  • A finance team wanting predictable per-user pricing rather than a private quote for spend managementnot UKG Pro
  • A larger business wanting API-driven automated card issuance tied to its existing card relationshipnot UKG Pro

UKG Pro

No use cases recorded yet. See the UKG Pro review.

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.

UKG Pro

  • No access to super-user privileges or advanced database customization
  • Limited system procedure access for advanced administrative functions
  • No direct host access via SSH, Telnet, or remote desktop connectivity
  • Requires paid technical support subscription for assistance beyond standard support

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

UKG Pro

On request

No published plan breakdown. See the UKG Pro review.

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 UKG Pro if

  • You need hr management.
  • You work on Web, Mobile (iOS/Android), Cloud (Hosted).
  • You also want payroll.
UKG Pro review

Questions people ask

Is Extend or UKG Pro better?
Neither clearly leads. Extend starts at Free and UKG Pro at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Extend or UKG Pro?
Extend has a free tier; the other does not. Paid plans start at Free for Extend and On request for UKG Pro.
Does Extend or UKG Pro run on more platforms?
Extend runs on Web, iOS, Android. UKG Pro runs on Web, Mobile (iOS/Android), Cloud (Hosted).
Can I use Extend for free?
Yes. Extend has a free tier, so you can try it without paying. UKG Pro 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 UKG Pro is typically brought in for.
What can Extend do that UKG Pro cannot?
Extend covers Virtual card issuing, Per-card spend controls, Approval workflows, Receipt auto-matching. UKG Pro covers HR Management, Payroll, Benefits Administration, Talent Management.

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.

UKG Pro: What databases does UKG Pro support?

UKG Pro is a cloud-based HCM platform that manages payroll, benefits, and HR across 160+ countries in a single integrated system.

Source
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.

UKG Pro: Does UKG Pro handle multi-country payroll?

Yes. UKG Pro can manage global payroll complexity and ensure accurate, compliant payroll processing across 160+ countries, all in one seamless experience.

Source
Extend: What does Pro cost?

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

UKG Pro: What features are included in time and attendance tracking?

Time and Attendance module monitors employee working hours, attendance, and related data to drive accurate payroll processing and compliance.

Source
UKG Pro: Does UKG Pro offer reporting and analytics?

Yes. UKG Pro provides customizable reporting and analytics for actionable workforce insights, enabling data-driven human capital decisions.

Source
UKG Pro: What is UKG Talk?

UKG Talk is a built-in collaboration platform within UKG Pro that enables real-time team communication and engagement features.

Source
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