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Software · head to head

Paymo vs Spendesk

Paymo logo

Paymo

Software

Work & project management for teams

From
On request
Rated
-
Full reviewWebsite
Spendesk logo

Spendesk

Software

Smart spend management for modern teams

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Paymo every advertised price rises after 3 months, with Plus going from $10.90 to $15.90 per user and Pro from $16.90 to $23.90; Spendesk no publicly available pricing, requires custom quote
  • They diverge on capability: Paymo covers Task management, Spendesk covers Company cards.

Where they differ

Only the attributes on which Paymo and Spendesk actually diverge.

Attributes where Paymo and Spendesk differ
AttributePaymoSpendesk
Starting priceOn request$29/month
Pricing modelfreemiumsubscription
PlatformsWeb, Ios, Android, DesktopWeb, Mobile iOS, Mobile Android
Founded20082016

Identical on both: free tier (No), 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 Paymo

  • Task management
  • Time tracking
  • Invoicing
  • Gantt charts
  • Resource scheduling
  • Slack
  • Google Workspace
  • Zapier

Only in Spendesk

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

Both cover

  • Web support
  • Ios support
  • Android support

What people use each for

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

Paymo

  • Project management with time tracking and invoicing for agenciesnot Spendesk
  • Tracking billable hours and project profitabilitynot Spendesk

Spendesk

  • Expense managementnot Paymo
  • Spend controlnot Paymo
  • Finance automationnot Paymo

Where each one falls short

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

Paymo

  • Every advertised price rises after 3 months, with Plus going from $10.90 to $15.90 per user and Pro from $16.90 to $23.90
  • The free plan allows 1 user, 1 client and 2 projects
  • The Solo plan is still capped at 3 clients and 5 projects
  • Gantt charts, task dependencies and scheduling require the Plus plan
  • Integrations are excluded from both the free and Solo plans

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

Paymo

On request
  • FreeFree
    • 1 user
    • Basic features
  • Starter$4.95/month
    • Time tracking
    • Kanban
    • Invoicing

Spendesk

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

Which should you pick?

Choose Paymo if

  • You need task management.
  • You work on Web, Ios, Android, Desktop.
  • You also want time tracking.
Paymo 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 Paymo or Spendesk better?
Neither clearly leads. Paymo 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, Paymo or Spendesk?
Paymo starts at On request and Spendesk at $29/month.
Does Paymo or Spendesk run on more platforms?
Paymo runs on Web, Ios, Android, Desktop. Spendesk runs on Web, Mobile iOS, Mobile Android.
What is Paymo best used for?
Paymo is most often used for project management with time tracking and invoicing for agencies, tracking billable hours and project profitability. Of those, project management with time tracking and invoicing for agencies and tracking billable hours and project profitability are not what Spendesk is typically brought in for.
What can Paymo do that Spendesk cannot?
Paymo covers Task management, Time tracking, Invoicing, Gantt charts. Spendesk covers Company cards, Expense management, Invoice payments, Budget management. Both handle Web support, Ios support, Android support.

Answered from the vendors’ own pages

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
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
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
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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Related pages

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