Is Happay or Spendbase better?

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

Which is cheaper, Happay or Spendbase?

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

Does Happay or Spendbase run on more platforms?

Happay runs on Web, iOS, Android. Spendbase runs on Web.

Can I use Spendbase for free?

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

What is Happay best used for?

Happay is most often used for an indian enterprise needing gst input credit fields captured at the point of expense submission, a company with field sales staff needing rupee prepaid cards with merchant category limits, a finance team replacing a spreadsheet-and-email cash advance process with a tracked workflow, an indian group wanting travel booking and expense from one supplier with domestic content depth. Of those, an indian enterprise needing gst input credit fields captured at the point of expense submission and a company with field sales staff needing rupee prepaid cards with merchant category limits are not what Spendbase is typically brought in for.

What can Happay do that Spendbase cannot?

Happay covers GST-aware capture, Corporate cards, Self-booking travel, Cash advances. Spendbase covers Subscription visibility, Discount marketplace, Virtual cards, Cashback.

Accounting · head to head

Happay vs Spendbase

Happay

Accounting

Indian travel, expense and corporate card platform, now owned by MakeMyTrip

From: On request
Rated: -

Full review Website

Spendbase

Accounting

SaaS and cloud spend management that charges a share of the savings it finds rather than a licence

From: Free
Rated: -

Full review Website

The short version

Only Spendbase has a free tier, so it costs nothing to try first.
Each has a real cost: Happay the platform has changed owner twice since 2021, from founders to CRED to MakeMyTrip, and each transition has meant leadership churn and roadmap reprioritisation.; Spendbase charging a share of savings gives the vendor an interest in defining savings generously, and the customer cannot verify a counterfactual price it never saw.
They diverge on capability: Happay covers GST-aware capture, Spendbase covers Subscription visibility.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Happay and Spendbase actually diverge.

Attributes where Happay and Spendbase differ
Attribute	Happay	Spendbase
Starting price	On request	Free
Pricing model	quote	Free card tier, plus a share of savings on the managed plan
Free tier	No	Yes
Platforms	Web, iOS, Android	Web

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 Happay

GST-aware capture
Corporate cards
Self-booking travel
Cash advances
Approval matrix
Analytics

Only in Spendbase

Subscription visibility
Discount marketplace
Virtual cards
Cashback
Renewal management
Savings-share billing

What people use each for

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

Happay

An Indian enterprise needing GST input credit fields captured at the point of expense submissionnot Spendbase
A company with field sales staff needing rupee prepaid cards with merchant category limitsnot Spendbase
A finance team replacing a spreadsheet-and-email cash advance process with a tracked workflownot Spendbase
An Indian group wanting travel booking and expense from one supplier with domestic content depthnot Spendbase

Spendbase

A startup with no procurement function that wants renewal dates and subscription owners in one placenot Happay
A company with heavy Azure or cloud spend that can use pre-negotiated credit allocationsnot Happay
Issuing virtual cards per subscription so a forgotten trial cannot renew silentlynot Happay
A finance lead who wants software cost reduction without hiring anyone to do itnot Happay

Where each one falls short

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

Happay

The platform has changed owner twice since 2021, from founders to CRED to MakeMyTrip, and each transition has meant leadership churn and roadmap reprioritisation.
It is now owned by an online travel agency, so the incentive is to grow travel bookings, and expense-only customers are not the strategic centre of the product.
Card issuance depends on partner bank relationships, so limits, approval times and product features are constrained by a bank the customer does not choose.
Coverage is overwhelmingly India-specific, which makes it unsuitable as a group-wide platform for companies with foreign subsidiaries.
Integration depth outside common Indian ERP and accounting systems is thin, and connecting a global SAP instance usually needs bespoke work.

Spendbase

Charging a share of savings gives the vendor an interest in defining savings generously, and the customer cannot verify a counterfactual price it never saw.
The savings share is reported at around 25 percent but is not published on the pricing page, so the actual commercial terms only appear in a contract.
Spendbase is both a banking provider and your software negotiator, so a company using both concentrates operating cash and vendor relationships in one small, young company.
Banking is delivered through partners rather than held directly, meaning deposit protection and service continuity depend on those partners rather than on Spendbase.
It is scoped for startups and small companies, so organisations needing approval workflows, purchase orders or ERP integration will find it thin against a real procurement platform.

Pricing, plan by plan

Happay

On request

Happay$undefined/year
- Quoted per-user or per-transaction subscription
- Card programme terms set with the partner bank
- Travel booking fees separate from expense subscription

Spendbase

Free

Digital bankingFree
- No monthly fee per user
- Up to 100 virtual cards
- EUR and GBP account details
Spend management$undefined/year
- Everything in the free tier
- Reported share of roughly 25 percent of savings achieved
- 200 percent return guarantee against a deposit

Which should you pick?

Choose Happay if

You need gst-aware capture.
You work on Web, iOS, Android.
You also want corporate cards.

Happay review

Choose Spendbase if

You need subscription visibility.
You want to start without paying.
You also want discount marketplace.

Spendbase review

Questions people ask

Is Happay or Spendbase better?: Neither clearly leads. Happay starts at On request and Spendbase at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Happay or Spendbase?: Spendbase has a free tier; the other does not. Paid plans start at On request for Happay and Free for Spendbase.
Does Happay or Spendbase run on more platforms?: Happay runs on Web, iOS, Android. Spendbase runs on Web.
Can I use Spendbase for free?: Yes. Spendbase has a free tier, so you can try it without paying. Happay starts at On request.
What is Happay best used for?: Happay is most often used for an indian enterprise needing gst input credit fields captured at the point of expense submission, a company with field sales staff needing rupee prepaid cards with merchant category limits, a finance team replacing a spreadsheet-and-email cash advance process with a tracked workflow, an indian group wanting travel booking and expense from one supplier with domestic content depth. Of those, an indian enterprise needing gst input credit fields captured at the point of expense submission and a company with field sales staff needing rupee prepaid cards with merchant category limits are not what Spendbase is typically brought in for.
What can Happay do that Spendbase cannot?: Happay covers GST-aware capture, Corporate cards, Self-booking travel, Cash advances. Spendbase covers Subscription visibility, Discount marketplace, Virtual cards, Cashback.

Answered from the vendors’ own pages

Happay: Who owns Happay now?

MakeMyTrip. It agreed in November 2024 to acquire the expense management platform, brand and team from CRED, which had bought Happay in 2021.

Spendbase: Is Spendbase free?

The card and banking tier is genuinely free with no per-user fee. The spend management service is paid from a share of the savings it finds, reported at around 25 percent.

Happay: Can it be used outside India?

It books international travel for Indian entities, but the expense and card sides are built for Indian tax and banking and do not serve foreign entities well.

Spendbase: How is a saving calculated?

The methodology is not published. Agree the baseline, the measurement period and what counts as a saving in writing before signing.

Happay: Does Happay issue its own cards?

It issues cards through partner banks rather than under its own banking licence, so card terms follow the partner.

Spendbase: Does Spendbase hold my money?

Banking is provided through regulated partners including Moorwand in the UK and EEA and Sutton Bank in the US, with Mastercard issuing the cards.

Spendbase: Is it suitable for an enterprise?

No. There are no purchase orders, approval hierarchies or ERP integration; it is built for startups.

Happay vs Spendbase

Happay

Spendbase

The short version

Where they differ

What each one covers

Only in Happay

Only in Spendbase

What people use each for

Happay

Spendbase

Where each one falls short

Happay

Spendbase

Pricing, plan by plan

Happay

Spendbase

Which should you pick?

Choose Happay if

Choose Spendbase if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Happay

More on Spendbase

Keep looking

Other head to heads