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Software · head to head

Fyle vs Oyster

Fyle logo

Fyle

Software

Real-time expense management that works with your cards

From
$29/month
Rated
-
Full reviewWebsite
Oyster logo

Oyster

Software

Hire globally, compliantly

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Oyster has a free tier, so it costs nothing to try first.
  • Each has a real cost: Fyle billed per active user, defined as anyone who creates an expense or has a connected card with transactions in the month, so headcount does not predict the bill; Oyster employer of Record is $699 per employee per month, with the discount tied to annual billing
  • They diverge on capability: Fyle covers Real-time card tracking, Oyster covers Global Employment.

Where they differ

Only the attributes on which Fyle and Oyster actually diverge.

Attributes where Fyle and Oyster differ
AttributeFyleOyster
Starting price$29/monthFree
Free tierNoYes
Founded20162020

Identical on both: pricing model (subscription), platforms (Web, Ios, Android), user rating (Not yet rated), category (Unknown).

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 Fyle

  • Real-time card tracking
  • Automatic receipt matching
  • Expense policies
  • Approval workflows
  • Mileage tracking
  • Xero
  • Sage Intacct
  • SOC 2 Type II

Only in Oyster

  • Global Employment
  • Payroll
  • Benefits
  • Compliance
  • Contractor Management
  • Time Off
  • Expenses
  • BambooHR

Both cover

  • QuickBooks
  • NetSuite
  • Slack
  • Web support
  • Ios support
  • Android support

What people use each for

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

Fyle

  • Expense reporting and corporate card reconciliationnot Oyster
  • Enforcing spend policy and approvals before reimbursementnot Oyster

Oyster

  • Hiring employees abroad without setting up a local legal entitynot Fyle
  • Onboarding and paying international contractorsnot Fyle
  • Getting country specific employment compliance advice for distributed teamsnot Fyle

Where each one falls short

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

Fyle

  • Billed per active user, defined as anyone who creates an expense or has a connected card with transactions in the month, so headcount does not predict the bill
  • The Growth plan carries a 5 user minimum and the Business plan a 10 user minimum, so the entry cost is set by the floor rather than the team
  • API access and the Sage Intacct and NetSuite integrations require a paid tier
  • ACH reimbursements and project expense tracking sit above the entry plan
  • Both published plans are billed annually
  • Enterprise pricing is custom and aimed at organisations with 250 or more employees

Oyster

  • Employer of Record is $699 per employee per month, with the discount tied to annual billing
  • A refundable deposit is required before an EOR engagement starts
  • Contractor management is free for 30 days then $29 per contractor per month
  • HR advisory through People Partner Services is billed at $300 per hour on top of the subscription
  • A currency conversion fee applies when you pay Oyster in a currency other than the contract currency
  • Payments are accepted only by direct debit or wire in USD, EUR, GBP or CAD

Pricing, plan by plan

Fyle

$29/month
  • Standard$8/month
    • Real-time card feeds
    • Receipt matching
    • Basic approvals
  • Business$12/month
    • Advanced policies
    • Custom workflows
    • Analytics
  • Enterprise$undefined/month
    • Unlimited users
    • API access
    • Priority support

Oyster

Free
  • Contractor$29/month
    • Contractor Payments
    • Compliant Contracts
    • Invoicing
  • Employee$599/month
    • Global Employment
    • Payroll
    • Benefits

Which should you pick?

Choose Fyle if

  • You need real-time card tracking.
  • You work on Web, Ios, Android.
  • You also want automatic receipt matching.
Fyle review

Choose Oyster if

  • You need global employment.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want payroll.
Oyster review

Questions people ask

Is Fyle or Oyster better?
Neither clearly leads. Fyle starts at $29/month and Oyster at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fyle or Oyster?
Oyster has a free tier; the other does not. Paid plans start at $29/month for Fyle and Free for Oyster.
Does Fyle or Oyster run on more platforms?
Both run on Web, Ios, Android, so platform support will not decide this one for you.
Can I use Oyster for free?
Yes. Oyster has a free tier, so you can try it without paying. Fyle starts at $29/month.
What is Fyle best used for?
Fyle is most often used for expense reporting and corporate card reconciliation, enforcing spend policy and approvals before reimbursement. Of those, expense reporting and corporate card reconciliation and enforcing spend policy and approvals before reimbursement are not what Oyster is typically brought in for.
What can Fyle do that Oyster cannot?
Fyle covers Real-time card tracking, Automatic receipt matching, Expense policies, Approval workflows. Oyster covers Global Employment, Payroll, Benefits, Compliance. Both handle QuickBooks, NetSuite, Slack, Web support.
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