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Accounting · head to head

Fiken vs Mesh Payments

Fiken logo

Fiken

Accounting

Norwegian accounting software for sole proprietors and small companies

From
219/month
Rated
-
Full reviewWebsite
Mesh Payments logo

Mesh Payments

Accounting

Virtual card and spend management platform aimed at SaaS and travel spend

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Mesh Payments has a free tier, so it costs nothing to try first.
  • Each has a real cost: Fiken bank integration available only as add-on (69 NOK/month); 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 1 September 2026.

Where they differ

Only the attributes on which Fiken and Mesh Payments actually diverge.

Attributes where Fiken and Mesh Payments differ
AttributeFikenMesh Payments
Starting price219/monthFree
Pricing modelsubscriptionPer user per month
Free tierNoYes
PlatformsWebWeb, iOS, Android

Identical on both: 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 Fiken

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.

Fiken

  • Solo accounting and invoicing for small businessesnot Mesh Payments
  • Multi-user accounting collaboration at no extra costnot Mesh Payments
  • Invoice management with EHF e-invoice supportnot Mesh Payments
  • Bank integration for transaction trackingnot Mesh Payments

Mesh Payments

  • A software company trying to stop shadow SaaS renewals by giving every vendor its own capped cardnot Fiken
  • A finance team that wants receipts matched at the point of spend rather than chased at month endnot Fiken
  • A business issuing single use cards for contractor and agency payments with hard limitsnot Fiken
  • A team funding trip specific spend with a card that expires when the trip endsnot Fiken

Where each one falls short

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

Fiken

  • Bank integration available only as add-on (69 NOK/month)
  • Project accounting requires separate add-on (69 NOK/month)
  • Payroll and employee features cost extra (69 NOK/month)
  • Physical mail invoicing costs 25 NOK per invoice

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

Fiken

219/month
  • Base Plan$219/month
    • Complete accounting functionality
    • Unlimited invoice sending via email and EHF
    • Unlimited user accounts

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 Fiken if

Nothing in the data separates Fiken from Mesh Payments on the points above - pick on price and on how each one feels to use.

Fiken review

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.
Mesh Payments review

Questions people ask

Is Fiken or Mesh Payments better?
Neither clearly leads. Fiken starts at 219/month and Mesh Payments at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fiken or Mesh Payments?
Mesh Payments has a free tier; the other does not. Paid plans start at 219/month for Fiken and Free for Mesh Payments.
Does Fiken or Mesh Payments run on more platforms?
Fiken runs on Web. Mesh Payments runs on Web, iOS, Android.
Can I use Mesh Payments for free?
Yes. Mesh Payments has a free tier, so you can try it without paying. Fiken starts at 219/month.
What is Fiken best used for?
Fiken is most often used for solo accounting and invoicing for small businesses, multi-user accounting collaboration at no extra cost, invoice management with ehf e-invoice support, bank integration for transaction tracking. Of those, solo accounting and invoicing for small businesses and multi-user accounting collaboration at no extra cost are not what Mesh Payments is typically brought in for.
What can Fiken 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

Fiken: Is there a free trial for Fiken?

Yes, Fiken offers a 30-day free trial with no credit card required. After the trial, the base plan costs 219 NOK per month.

Source
Mesh 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.

Fiken: Do additional users cost more on Fiken?

No, Fiken includes unlimited user accounts at no extra cost on the base plan.

Source
Mesh 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.

Fiken: What add-ons are available and how much do they cost?

Monthly add-ons include bank integration, project accounting, KID number system, and API access (69-99 NOK each). Time tracking, payroll, and expense reimbursements also cost 69 NOK per month. Annual tax filing costs 1,290 NOK for sole proprietors or 1,590 NOK for limited companies.

Source
Mesh 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.

Fiken: What are the per-transaction costs?

SMS invoicing costs 3 NOK, e-invoicing via Vipps costs 5 NOK, physical mail invoicing costs 25 NOK, and credit checks cost 15 NOK per transaction.

Source
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