Payroll · head to head
Extend vs Volopay
Extend
Payroll
Virtual card issuing and spend controls layered onto existing business credit cards
- From
- Free
- Rated
- -
Volopay
Payroll
Corporate cards, multi-currency accounts and accounts payable automation for Asia-Pacific businesses
- From
- On request
- Rated
- -
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.; Volopay cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
- They diverge on capability: Extend covers Virtual card issuing, Volopay covers Multi-currency business accounts.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Extend and Volopay actually diverge.
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
- Receipt auto-matching
- ERP integrations
- API access
Only in Volopay
- Multi-currency business accounts
- Virtual and physical corporate cards
- Accounts payable automation
- Expense management
- Accounting integrations
Both cover
- Approval workflows
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 Volopay
- A company with an existing Amex or bank business card wanting tighter per-vendor spend limitsnot Volopay
- A finance team wanting predictable per-user pricing rather than a private quote for spend managementnot Volopay
- A larger business wanting API-driven automated card issuance tied to its existing card relationshipnot Volopay
Volopay
- A Singapore-headquartered company paying vendors and staff across several APAC currencies from one accountnot Extend
- A finance team wanting free domestic transfers with accounts payable automation includednot Extend
- A regional business consolidating separate local business bank accounts into one multi-currency platformnot Extend
- A company whose card spend is concentrated in SGD and wants to minimise cross-currency fee exposurenot 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.
Volopay
- Cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
- Cross-border payments in non-SGD currencies add roughly 1.6%, so a company paying many overseas vendors accumulates a real cost that is not visible on the headline pricing.
- Regional focus on Asia-Pacific means weaker fit for companies whose spend is mainly in Europe or North America, where Payhawk or Extend cover the ground better.
- Pricing is not published, so despite the specific fee percentages that are publicly known, the underlying subscription or platform fee must be obtained by quote.
- As a comparatively young fintech, its card issuing depends on banking partners whose regulatory standing in each APAC market can change, and companies should confirm current licensing in their specific country before committing.
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
Volopay
On request- Volopay$undefined/month
- Free domestic SGD transfers and Accounts Payable Automation
- Approximately 1.6% fee on cross-border non-SGD payments
- Approximately 3.1% fee on cross-currency spend within Singapore
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.
Choose Volopay if
- You need multi-currency business accounts.
- You work on Web, iOS, Android.
- You also want virtual and physical corporate cards.
Questions people ask
- Is Extend or Volopay better?
- Neither clearly leads. Extend starts at Free and Volopay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Extend or Volopay?
- Extend has a free tier; the other does not. Paid plans start at Free for Extend and On request for Volopay.
- Does Extend or Volopay 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. Volopay 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 Volopay is typically brought in for.
- What can Extend do that Volopay cannot?
- Extend covers Virtual card issuing, Per-card spend controls, Receipt auto-matching, ERP integrations. Volopay covers Multi-currency business accounts, Virtual and physical corporate cards, Accounts payable automation, Expense management. Both handle Approval workflows.
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.
Volopay: What currency is Volopay built around?
Singapore dollar as the base account currency, with support for spend and transfers across several other Asia-Pacific currencies.
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.
Volopay: Are transfers free?
Domestic SGD transfers and the Accounts Payable Automation product are advertised as free; cross-border and cross-currency transactions carry separate fees.
Extend: What does Pro cost?
11.99 dollars per user per month billed annually, or 12 dollars monthly, with a ten-user minimum.
Volopay: Is pricing published?
No, subscription pricing requires a quote, though the specific cross-currency fee percentages are disclosed publicly.
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