Softwr

Accounting · head to head

Spendbase vs Stigg

Spendbase logo

Spendbase

Accounting

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

From
Free
Rated
-
Full reviewWebsite
Stigg logo

Stigg

Accounting

Usage runtime platform for credits and entitlements

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 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.; Stigg free tier limited to 10,000 entities and 5M events per month
  • They diverge on capability: Spendbase covers Subscription visibility, Stigg covers Real-time credit enforcement.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Spendbase and Stigg actually diverge.

Attributes where Spendbase and Stigg differ
AttributeSpendbaseStigg
Pricing modelFree card tier, plus a share of savings on the managed planFreemium with usage-based and custom tiers
PlatformsWebWeb, Cloud, BYOC, BYODB, API

Identical on both: starting price (Free), free tier (Yes), 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 Spendbase

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

Only in Stigg

  • Real-time credit enforcement
  • Financial-grade credits
  • High-scale metering
  • Budget governance
  • Flexible deployment
  • Billing platform integration
  • Data warehouse integration
  • CRM integration

What people use each for

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

Spendbase

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

Stigg

  • Managing token and credit usage for AI productsnot Spendbase
  • Enforcing spending caps and budget controlsnot Spendbase
  • Implementing prepaid credit systems with expirynot Spendbase
  • Real-time entitlement verification for feature accessnot Spendbase
  • Scaling billing infrastructure for high-volume eventsnot Spendbase

Where each one falls short

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

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.

Stigg

  • Free tier limited to 10,000 entities and 5M events per month
  • Pro plan pricing ($399/month) may be high for early-stage companies
  • Scale and BYOC plans require custom contracts and sales engagement
  • Primarily targets AI and high-scale use cases, not all business models
  • Requires integration with separate billing platform (Stripe, Zuora, etc.)

Pricing, plan by plan

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

Stigg

Free
  • Build (Free Forever)Free
    • 10,000 managed entities per month
    • 5M usage events per month
    • 1K events per second rate limit
  • Pro$399/month
    • 10,000 entities included (graduated pricing to 100K)
    • 25M usage events included (to 500M with graduated rates)
    • 10K events per second (upgradeable to 100K)
  • Scale$null/custom
    • Custom entity and event volumes
    • 50K events per second (upgradeable to 100K)
    • RBAC and SSO (SAML)
  • BYOC$40000/year
    • Deploy in customer VPC
    • Unlimited entities and events
    • No event billing

Which should you pick?

Choose Spendbase if

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

Choose Stigg if

  • You need real-time credit enforcement.
  • You want to start without paying.
  • You work on Web, Cloud, BYOC, BYODB, API.
  • You also want financial-grade credits.
Stigg review

Questions people ask

Is Spendbase or Stigg better?
Neither clearly leads. Spendbase starts at Free and Stigg at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Spendbase or Stigg?
Spendbase starts at Free and Stigg at Free.
Does Spendbase or Stigg run on more platforms?
Spendbase runs on Web. Stigg runs on Web, Cloud, BYOC, BYODB, API.
Can I use Spendbase for free?
Both have a free tier, so you can try either at no cost before committing.
What is Spendbase best used for?
Spendbase is most often used for a startup with no procurement function that wants renewal dates and subscription owners in one place, a company with heavy azure or cloud spend that can use pre-negotiated credit allocations, issuing virtual cards per subscription so a forgotten trial cannot renew silently, a finance lead who wants software cost reduction without hiring anyone to do it. Of those, a startup with no procurement function that wants renewal dates and subscription owners in one place and a company with heavy azure or cloud spend that can use pre-negotiated credit allocations are not what Stigg is typically brought in for.
What can Spendbase do that Stigg cannot?
Spendbase covers Subscription visibility, Discount marketplace, Virtual cards, Cashback. Stigg covers Real-time credit enforcement, Financial-grade credits, High-scale metering, Budget governance.

Answered from the vendors’ own pages

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.

Stigg: How quickly does Stigg check entitlements?

Stigg makes entitlement checks in under 10 milliseconds, enabling real-time enforcement of spending decisions before token consumption.

Source
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.

Stigg: Can I use Stigg with my existing billing platform?

Yes, Stigg integrates with major billing platforms including Stripe, Zuora, Chargebee, Metronome, and Orb to manage entitlements and credits.

Source
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.

Stigg: What deployment options does Stigg offer?

Stigg offers cloud API, BYOC (Bring Your Own Cloud) for VPC deployment, and BYODB options for customers who want to manage their own database.

Source
Spendbase: Is it suitable for an enterprise?

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

Share

Related pages

More on Spendbase

More on Stigg

Keep looking

Other head to heads