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Payroll · head to head

PayFit vs Spendesk

PayFit logo

PayFit

Payroll

Native payroll and HR for small and mid-sized companies in a small number of European countries

From
On request
Rated
-
Full reviewWebsite
Spendesk logo

Spendesk

Accounting

Smart spend management for modern teams

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: PayFit coverage is limited to a handful of European countries and the company withdrew from Germany in 2023, so any buyer with expansion plans should assume the country they need next will not be supported.; Spendesk no publicly available pricing, requires custom quote
  • They diverge on capability: PayFit covers Native payroll engine, Spendesk covers Company cards.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which PayFit and Spendesk actually diverge.

Attributes where PayFit and Spendesk differ
AttributePayFitSpendesk
Starting priceOn request$29/month
Pricing modelquotesubscription
PlatformsWeb, iOS, AndroidWeb, Mobile iOS, Mobile Android
CategoryPayrollAccounting
FoundedUnknown2016

Identical on both: free tier (No), user rating (Not yet rated).

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 PayFit

  • Native payroll engine
  • Statutory filing
  • Payslip generation
  • Time off management
  • Expenses
  • Employee records
  • Automated variable pay
  • Accounting export

Only in Spendesk

  • Company cards
  • Expense management
  • Invoice payments
  • Budget management
  • Spend analytics
  • Xero
  • Sage
  • NetSuite

What people use each for

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

PayFit

  • A French company of 50 people leaving a payroll bureau that charges per payslip and returns work slowlynot Spendesk
  • A Spanish or Italian employer that needs payroll calculated in-country rather than routed through an intermediarynot Spendesk
  • A UK subsidiary of a European group that wants payroll on the same platform as the parent where the country is supportednot Spendesk
  • A finance team that wants payroll journals exported directly into the local accounting system without manual mappingnot Spendesk

Spendesk

  • Expense managementnot PayFit
  • Spend controlnot PayFit
  • Finance automationnot PayFit

Where each one falls short

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

PayFit

  • Coverage is limited to a handful of European countries and the company withdrew from Germany in 2023, so any buyer with expansion plans should assume the country they need next will not be supported.
  • There is no employer of record capability, so hiring one person in an unsupported country means adding a separate vendor and a separate employment model.
  • The HR modules cover time off, expenses and records but do not replace an HRIS, and companies with performance, learning or ATS requirements will run PayFit alongside another system.
  • Pricing is quoted per country as a platform fee plus a per employee charge, which makes cross-border cost comparison awkward and means a small subsidiary can carry a disproportionate fixed cost.
  • The product is built for small and mid-sized employers, and companies past a few hundred employees report hitting limits in complex collective agreement handling and in bulk data correction workflows.

Spendesk

  • No publicly available pricing, requires custom quote
  • Strong European presence but limited in some non-EU markets
  • High implementation costs due to extensive integration requirements

Pricing, plan by plan

PayFit

On request
  • PayFit$undefined/year
    • Monthly platform fee plus a charge per paid employee
    • Pricing differs by country of employment
    • Payroll calculation and statutory filing

Spendesk

$29/month
  • EssentialsFree
    • Virtual cards
    • Expense tracking
    • Approvals

Which should you pick?

Choose PayFit if

  • You need native payroll engine.
  • You work on Web, iOS, Android.
  • You also want statutory filing.
PayFit review

Choose Spendesk if

  • You need company cards.
  • You work on Web, Mobile iOS, Mobile Android.
  • You also want expense management.
Spendesk review

Questions people ask

Is PayFit or Spendesk better?
Neither clearly leads. PayFit starts at On request and Spendesk at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, PayFit or Spendesk?
PayFit starts at On request and Spendesk at $29/month.
Does PayFit or Spendesk run on more platforms?
PayFit runs on Web, iOS, Android. Spendesk runs on Web, Mobile iOS, Mobile Android.
What is PayFit best used for?
PayFit is most often used for a french company of 50 people leaving a payroll bureau that charges per payslip and returns work slowly, a spanish or italian employer that needs payroll calculated in-country rather than routed through an intermediary, a uk subsidiary of a european group that wants payroll on the same platform as the parent where the country is supported, a finance team that wants payroll journals exported directly into the local accounting system without manual mapping. Of those, a french company of 50 people leaving a payroll bureau that charges per payslip and returns work slowly and a spanish or italian employer that needs payroll calculated in-country rather than routed through an intermediary are not what Spendesk is typically brought in for.
What can PayFit do that Spendesk cannot?
PayFit covers Native payroll engine, Statutory filing, Payslip generation, Time off management. Spendesk covers Company cards, Expense management, Invoice payments, Budget management.

Answered from the vendors’ own pages

PayFit: Which countries does PayFit actually calculate payroll in?

It runs its own payroll engine for the countries it sells in, currently France, Spain, Italy and the United Kingdom, and it closed its German operation in 2023.

Spendesk: What is included in Spendesk's platform?

Spendesk combines corporate cards, a mobile receipts app, approval workflows, automated reconciliation, accounts payable, procurement, and spend controls into one platform.

Source
PayFit: Is it native payroll or aggregation through a local partner?

Native. Country rules are written and maintained in the company own domain-specific language, so calculation and filing are PayFit responsibilities rather than a partner obligation.

Spendesk: How does Spendesk handle expense receipts?

Spendesk captures receipts via mobile photo upload with OCR technology, automatically matching receipts to transactions and generating automated expense reports with 98% of expense receipts collected on time.

Source
PayFit: Can PayFit employ staff on my behalf?

No. It is payroll software for entities you already have. Employment in a country without your own entity needs an employer of record.

Spendesk: What integrations does Spendesk offer?

Spendesk integrates with accounting software including Sage, Xero, NetSuite, and SAP, plus HR systems and tools like Slack for comprehensive spend management.

Source
PayFit: Does it handle collective bargaining agreements?

Common French and Spanish agreements are supported, but unusual or heavily negotiated agreements can require manual handling.

Spendesk: Is Spendesk profitable?

Yes. Spendesk became the first spend management platform to reach profitability in 2025, processing over £10 billion in spend across 35+ countries.

Source
Spendesk: What is Spendesk's valuation?

Spendesk is a unicorn company with a valuation of $1.5 billion, with 2025 revenue of $52 million ARR.

Source
Spendesk: How much time can Spendesk save on bookkeeping?

Organizations using Spendesk save an average of 4 days per month on bookkeeping, equivalent to over 380 hours per year returned to the business.

Source
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