Extendvs
Payhawk
Payhawk: If you want an all-in-one card, expense and payables platform rather than a layer on an existing card
Extend
Virtual card issuing and spend controls layered onto existing business credit cards
As of 1 September 2026, Extend is free to use. A virtual card platform that issues cards against a company's existing American Express, Visa or Mastercard business credit line rather than opening a new card programme, with a published three-tier price list including a genuinely free starter plan. Softwr lists it under Payroll. Extend is available on Web, iOS, Android.
Overview
What Extend does
Extend issues virtual credit cards with per-card limits, expense categories and approval workflows, but rather than replacing a company's business credit card it attaches to the cards already issued by American Express, Visa or Mastercard-issuing banks, extending their control and reporting into vendor-specific and one-time-use virtual numbers. The fact worth recording precisely is pricing: Extend runs a free Starter plan capped at five users, ten guests and 100 virtual cards a month; a Pro plan at 11.99 dollars per user per month billed annually (12 dollars monthly) with a ten-user minimum and up to 500 cards a month, adding custom approval workflows and QuickBooks Online integration; and a custom-quoted Enterprise plan with unlimited users, API access and NetSuite or Dynamics 365 integration. That is real, comparable per-seat pricing in a category most vendors quote privately. Buyers are businesses that already have a card programme with a bank or Amex and want tighter, vendor-level spend control without switching card issuer, plus companies wanting to start free before committing budget. The trade-off is the flip side of its main strength: because it depends on an underlying card relationship rather than issuing its own, credit terms, rewards and dispute handling still run through that original card issuer, and Extend is a control layer on top rather than a replacement for card issuer negotiation.
What people use it for
- A small business wanting free vendor-level virtual card controls without opening a new card programme
- A company with an existing Amex or bank business card wanting tighter per-vendor spend limits
- A finance team wanting predictable per-user pricing rather than a private quote for spend management
- A larger business wanting API-driven automated card issuance tied to its existing card relationship
Related searches
The honest half
Where it falls short
Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about Extend.
- It depends on an existing business credit card relationship, so a company without a qualifying Amex, Visa or Mastercard business card cannot use it as a standalone card issuer.
- The free Starter plan is capped at five users and 100 cards a month, which small but growing teams will outgrow quickly and need to upgrade past.
- The Pro plan enforces a ten-user minimum, so a company with only two or three people who need virtual cards pays for unused seats.
- Rewards, credit terms and dispute resolution still run through the underlying card issuer, so Extend cannot improve or change those terms; it only adds a control layer on top.
- Deeper ERP integrations such as NetSuite and Dynamics 365 are reserved for the custom-quoted Enterprise tier, so companies needing them lose the pricing transparency of the published Starter and Pro plans.
Cross-shopped
What people choose instead of Extend
Each pairing was judged by two reviewers asking whether a buyer would genuinely weigh the two against each other. The ones that failed were deleted rather than published.
- ExtendvsLithic
Lithic: If you need to issue entirely new cards programmatically rather than extend an existing credit line
Pricing
What Extend costs
Taken from the vendor's own pricing page. Prices move, so check before you buy.
Starter
Free
- Up to 5 users and 10 guests
- Up to 100 virtual cards per month
- One expense category
Pro
$11.99 /mo
- 10 user minimum
- Up to 500 virtual cards per month
- Custom approval workflows and QuickBooks Online integration
Enterprise
On request
- Unlimited users and virtual cards
- API access for automated card issuance
- NetSuite and Dynamics 365 integration, dedicated account manager
Capabilities
Features
Virtual card issuing
Vendor-specific and single-use virtual cards drawn against an existing credit line
Per-card spend controls
Limits, categories and expiry set at the individual card level
Approval workflows
Custom multi-step approval on the Pro and Enterprise tiers
Receipt auto-matching
Automated matching of receipts to card transactions
ERP integrations
QuickBooks Online on Pro; NetSuite and Dynamics 365 on Enterprise
API access
Automated card issuance via API on the Enterprise tier
Answered, with sources
Questions people ask
Each answer names the page it came from, so you can check it rather than take our word for it.
Does Extend replace our business credit card?
No, it issues virtual cards against an existing American Express, Visa or Mastercard business credit line rather than opening a new card programme.
Is there really a free plan?
Yes, the Starter plan is free for up to five users, ten guests and 100 virtual cards a month.
What does Pro cost?
11.99 dollars per user per month billed annually, or 12 dollars monthly, with a ten-user minimum.
Keep looking
Where to go from Extend
- Extend alternativesEvery product people weigh against it
- Extend pricingPlans, floors and what the tiers exclude
- Extend badgesWhich rules it meets, and the figure behind each
- All Payroll softwareThe full category
- Best Payroll softwareThe shortlist, and how it was cut
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Softwr does not host reviews and shows no star rating for Extend, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.
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