# PayEm Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is PayEm the right Billing and Invoicing solution for you? Explore 39 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/234925/PayEm/reviews --- PayEm 4.8 (39) [View alternatives](https://www.capterra.com/p/234925/PayEm/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 13th, 2026 # Reviews of PayEm Ease of use 4.9 Customer Service 4.8 ## Pros and Cons in Reviews LH Liz H Executive AssistantComputer Hardware, 1,001 - 5,000 employeesUsed the software for: 1-2 years. “Even though I was not given a tutorial on payem, I was able to navigate it easily to access corporate cards and transactions.“ July 31, 2025 KT Kelly T CEOFood & Beverages, 11 - 50 employeesUsed the software for: 1-2 years. “Difficult to add a credit when a charge has already been processed and then get it removed off of the website“ July 22, 2025 MN Miri N Head of financeLegal Services, 51 - 200 employeesUsed the software for: 1-2 years. “PayEm is easy-to-use, virtual cards give us better control and transparency over departmental budgets.“ July 22, 2025 MH Meirav H BookkeeperEducation Management, 51 - 200 employeesUsed the software for: 6-12 months. “Now, with PayEm if an employee leaves and forgets to close an account/subscription that charges every month, we can simply cancel that card, and the charges cease. Or, if a supplier attempts to charge more than we know is necessary, they're unable due to the settings we have defined for the card.“ November 8, 2021 LB Lauren B Senior Executive Assistant and Team ManagerInsurance, 501 - 1,000 employeesUsed the software for: 1-2 years. “They have top notch website security as well.“ July 22, 2025 Einat M Supply Chain ManagerElectrical/Electronic Manufacturing, 51 - 200 employeesUsed the software for: 6-12 months. “Some suppliers are not accepting PayEm cards, which makes it difficult to rely on this service as the main solution.“ October 15, 2021 YS Yaniv S Operations ManagerMarketing and Advertising, 11 - 50 employeesUsed the software for: 6-12 months. “The platform developed by PayEm has enabled us to improve and simplify our process of managing and monitoring employee and vendor expenses using a very intuitive method of generating employee/vendor credit cards.“ November 19, 2021 ## Showing most helpful reviews Showing 1-25 of 39 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Einat M. Supply Chain Manager Electrical/Electronic Manufacturing Used the software for: 6-12 months ### "Nice product for credit-cards' based purchases" October 15, 2021 4.0 It's providing us the ability to let our employees use credit cards without depending on their managers (by pre-approving limits /vendors) for each one individually if needed). Pros It's very easy to use, you can allocate each employee with its own credit card and monitor purchases / approval process. Cons Some suppliers are not accepting PayEm cards, which makes it difficult to rely on this service as the main solution. Review Source MH Meirav H. Bookkeeper Education Management Used the software for: 6-12 months ### "The only solution that serves both the finance department and all other departments in the company" November 8, 2021 5.0 Now, with PayEm if an employee leaves and forgets to close an account/subscription that charges every month, we can simply cancel that card, and the charges cease. Or, if a supplier attempts to charge more than we know is necessary, they're unable due to the settings we have defined for the card. There are no more credit card charges that we do not know who is responsible for. PayEm's SaaS and vendor management solution has truly made us more efficient. Pros I like the solution's efficiency: it allows the finance team to understand the owner and nature of each expense. In addition, PayEm offers control: over the approved budget, real-time spend, the ability to block a charge in case of deviation from the budget on the spot (and not in retrospect), prevents cases of card breaches and unfamiliar charges, and allows users to attach the invoice/receipt themselves. Cons Not every business works with an American credit card - but PayEm is working to change this. Also, the user experience can be improved, with slight changes that will make a big difference. Reason for choosing PayEm PayEm offers a convenient and efficient way for all company employees to request funds while ensuring the finance team still has control. You can create custom approval to streamline your process. Our employees feel it's so much easier to work with the finance department. We hear the feedback that employees feel there's finally a convenient and efficient way to request funds. Amazingly, there is a tool that makes everyone happy, from the employees to the finance/accounting department for the first time. Since PayEm - all the handling of credit cards in the company is no longer one of the tasks that bother me as an accountant :) Review Source MR Maayan R. Assistant Controller Computer Software Used the software for: 6-12 months ### "PayEm centralizes all expenses in one place and offers control over the budget and credit card" November 11, 2021 5.0 One of the challenges for us is that we have several global subsidiaries. With PayEm we can manage the employee-level expenses incurred for companies from different countries in different currencies and associate everything to the correct department and the right budget item–all in one place. Even each card has a different billing address. Of course, every issue of transparency and control has saved us a lot of time, and we finally have more control. Pros I like the interface the most. The dashboard is simple, and the UI is clear. When we asked everyone who uses PayEm, they all said that the interface is easy and accessible. The finance team doesn’t have to waste time explaining anything; it’s easy to connect to the system and submit requests. On the main dashboard, I see the essential data that centralizes important data like balance, spend amount view for different categories, all pending and rejected requests. It helps me set priorities and handle tasks because I see both on the macro and micro levels. Cons On occasion, if I was unsure how to do something, all I need to do is talk to Customer Support, and they always help. Alternatives considered [Mesh Payments](https://www.capterra.com/p/218926/Mesh-Payments/) Review Source MR Marcelo R. Finance Controller Consumer Electronics Used the software for: 1-2 years ### " So much more than Saas spend management–PayEm is a true partner " November 15, 2021 5.0 Pros There are many Saas spend management and business credit cards solutions, but PayEm truly stands out. They have an excellent customer success team, making them true partners and not just service providers. PayEm worked with us from day one to ensure everything is always running smoothly and cares about our business. The platform UX is very easy to work with and understand. When I look at the numbers, I see the situation and what actions need to be taken. For example, I am in control using a vendor credit card because I can see every transaction, and I can know in real-time if I need to increase the budget or pay another way. PayEm's solution helps control our budget as well as our projection plan. The software helps me plan my budget for next year and understand how we plan monthly and annually. The main thing is the dialogue we have with CS, where we get feedback and get suggestions about the future and even increase the framework according to how we use it. Cons There’s nothing I dislike. Hope to see more products and features to use Review Source VR Verified Reviewer Marketing Manager Internet Used the software for: 6-12 months ### "Great expense management system with virtual and physical credit cards" December 13, 2021 5.0 If you need a fast and useful expense management system that helps the users and the finance department. I can say it works for us. Pros It takes a few minutes to approve funds and get a virtual card. It helps us work faster and still keep track of all expenses. We can pay for SaaS subscriptions and keep tracking changes. Every card can be set with a limit and can be changed per request. Cons In general, I don't like collecting receipts. Now it is easier. I can send the receipts via email and it automatically syncs with the right account. Review Source ES Erez S. CFO Computer Software Used the software for: 1-2 years ### "Saved our team precious time and resources" November 4, 2021 5.0 A powerful global spend procurement Saas platform that offers great vendor management. Cashback program included. The more you spend, the more money you save Pros We have complete control and visibility of our expenses before and while spending Reconciliation is done effortlessly In the past, If a problem arose, we didn’t know who the procurement owner was. At present, due to the approval mechanism flow, this problem is solved. Cons I don't see any downsides yet. I will try to update my review if I will find something Alternatives considered [Spendesk](https://www.capterra.com/p/157515/Spendesk/)[Expensify](https://www.capterra.com/p/97594/Expensify/) Reason for choosing PayEm Brings more value compare to pricing Review Source VR Verified Reviewer Finance Manager Information Technology and Services Used the software for: 1-2 years ### "PayEm is the right solution for you!" October 21, 2021 5.0 I have been working with PayEm from the very early stages and, as a customer, we just LOVE them! Pros An awesome platform that automates the full request-to-pay cycle, including all the bookkeeping aspects with internal controls. Cons Well, they are a promising company with a great team and product. So far, everything is perfect! Review Source Matan H. Controller Electrical/Electronic Manufacturing Used the software for: Less than 6 months ### "PayEm Game Changer in the payment industry" November 11, 2021 5.0 The customer care team and representatives are very helpful and commentative, every issue is addresed immediately and gets the full response for the relevant department. Pros PayEm enables the end user to easily pay with a flexible payment solution, and more importantly there is a \[SENSITIVE CONTENT\] for each transaction enabling a full transparency to the finance team. Cons nothing so far, every issue got the fully addressed by the PayEm team. Alternatives considered [Mesh Payments](https://www.capterra.com/p/218926/Mesh-Payments/) Reason for choosing PayEm recommendations for other colleague. Review Source Or-Lee K. Finance Project Manager Financial Services Used the software for: Less than 6 months ### "Outstanding SaaS P2P management" November 16, 2021 5.0 It’s now easier for us to issue on-demand credit cards, and have total control over the cards including any limits, when to issue and to whom etc. Pros In the past, I tracked everything via excel sheets. This included lots of vendors, lots of receipts, and lots of clutter. I had to understand the type of expense requested and who requested it, which takes a lot of time. PayEm changed all that. It has allowed us to quickly create a clearance process for each expense and take away the burden of all that manual work. Cons Nothing so far. I would add a feature to have approval process after payment Review Source VR Verified Reviewer Threat intelligence team leader Computer & Network Security Used the software for: I used a free trial ### "Saves time & easy to use" November 16, 2021 5.0 Pros I no longer have to deal with expense reports, saving receipts, or using email and slack to receive approvals for funds. I just make a request and our accountant issues a card. It’s simple to log in and start using right away. Cons Good for now, maybe more sites need to be supported Review Source TL Tomer L. Controller Information Services Used the software for: 6-12 months ### "PayEm" October 29, 2021 5.0 PayEm is an easy to use platform which allows us to track every aspect of our company’s credit card spend. Pros What I like best about PayEm is how easy it is for employees to request and receive funds for their on-going purchases and expenses of all kinds and how easy it is for them to upload receipts, either by taking a picture of a physical receipt and uploading via the app, desktop platform, or replying to an email reminder. Cons We have been using PayEm for about a year now and haven't seen any significant cons. Review Source EM Emily M. Global Sourcer and Onboarding Manager E-Learning Used the software for: Less than 6 months ### "Simple and seamless SaaS solution" November 22, 2021 5.0 PayEm helps our finance team gain more control over payments by having a limit on each vendor card and also allows for better management of employee subscriptions. Once a team member leaves the company, our finance team can easily stop payments to a particular subscription. I definitely recommend PayEm to companies who want to increase efficiency and control, while saving company money. As a fairly recent user of PayEm, I haven't experienced any problems or issues. Initially I was a bit worried to transition to using PayEm, but I found it to be very user friendly. Pros With PayEm it’s easy to upload and attach receipts. I don't need to log into PayEm's website, but rather get an automated email reminder from PayEm and can simply reply to the email and attach a picture of the receipt. This makes my experience seamless and convenient. Cons I dislike that my card is tied to a specific vendor budget so if I have multiple vendors I need to have multiple cards approved. On the other hand, this makes it easier for my company's finance team to keep track of credit card usage of current and former employees, so I get it. Review Source iA idan A. Data Engineer Information Technology and Services Used the software for: Less than 6 months ### "Very satisfied" December 6, 2021 5.0 Pros Using virtual cards per use-case and best practices, helps to manage my invoices Cons Nothing, the system is very simple to manage day to day Review Source LH Liz H. Executive Assistant Computer Hardware Used the software for: 1-2 years ### "It's easy to use and helpful for managing charges on corporate cards." July 31, 2025 5.0 I think payem works well for managing corporate cards and charges on each one and submitting corresponding receipts. Pros I like that it is intuitive and makes uploading receipts simple. Even though I was not given a tutorial on payem, I was able to navigate it easily to access corporate cards and transactions. Cons I do not like that you cannot upload more than 1 receipt for each expense that you submit. I also don't like that you still get a red receipt flag even when a charge has been refunded or reversed. I also like that it immediately notifies you of any charges made and that require receipts. Review Source jS julie S. Director, Accounting Computer Software Used the software for: 1-2 years ### "A nice system for the AP automation!" July 22, 2025 4.0 I like PayEm. The support team has a quick feed back. In general, I am satisfied with the functions and service! Pros The interface is very clean, the approval workflows are easily created. It has full functions for PR, PO, invoice and payments. All works well! Cons The prepaid amortization schedule cannot be synced to NS. The related invoices can not synced to the NS. Alternatives considered [Ramp](https://www.capterra.com/p/207081/Ramp/) Reason for choosing PayEm The system is more mature. The price is reasonable, and more reports are available Review Source LB Lauren B. Senior Executive Assistant and Team Manager Insurance Used the software for: 1-2 years ### "Excellent Credit Card and Expense System" July 22, 2025 5.0 Excellent, I enjoy using PayEm at work. It is user friendly and the credit card is reliable. It's great to have a virtual card as well as a physical card. Pros PayEm is user friendly; it's easy to upload receipts. The credit card works well. They have top notch website security as well. Cons I would like to see an assistant function where I could directly upload receipts for the executives I support. Review Source lK liz K. executive assistant Financial Services Used the software for: 2+ years ### "PayEm user-friendly but still flawed" July 22, 2025 2.0 PayEm is just ok. there is a lag in getting approvals when there is a fast need for a fund request because the managers are not US-based. Pros 1\. easy to use 2. fund request is pretty fast, depending on manager approval 3. can add to Apple pay (but Apple pay only) Cons 1\. cannot reconcile receipts through email upload 2. emails constantly going to spam folder, no matter what 3. some transactions don't need receipts 4. does not work with non-Apple NFC wallet (Samsung Pay, Google Pay) Review Source MN Miri N. Head of finance Legal Services Used the software for: 1-2 years ### "PayEm experience " July 22, 2025 4.0 PayEm helped us improve spend visibility, streamline approvals, and reduce the back-and-forth around vendor payments. It's a great tool for scaling finance operations while maintaining control and compliance. Pros PayEm is easy-to-use, virtual cards give us better control and transparency over departmental budgets. Cons The UI can feel a bit unintuitive at times, especially for team members who aren't in finance, some features are buried or not clearly labeled. Review Source MH Mahmoud H. Assistant Controller Computer & Network Security Used the software for: 2+ years ### "Great and definitely gonna recommend it in every company i will work with " July 22, 2025 5.0 Our overall experience with PayEm has been very positive. I love the visibility of the platform, easy to handle everything within it Pros The easy process of issuing CCs and the smooth sync with NetSuite, and since there is a possibility to add notes under each CC,. Cons 1) We don't get any notification when the balance of one of the entities it about to run out 2) When there is a new vendor, we always have to contact Payem so that it will show in the platform 3) the sync with BOB is with payment, it should be free Review Source TE Tamir E. VP Finance Computer Software Used the software for: 1-2 years ### "VP Finance" July 22, 2025 4.0 Pros Easy to use very robust and scalable P2P solution Close support by the technical & customer success team Cons unflexible approval flow process unsupporting customized requests few technical aspects that could be improved Review Source KT Kelly T. CEO Food & Beverages Used the software for: 1-2 years ### "PayEm is wonderful" July 22, 2025 5.0 PayEm is super easy and transparent. With employees spread across the world, it works for everyone. Pros Super easy, transparent and accessible. All employees seem to like it with little to no complaints. Cons Difficult to add a credit when a charge has already been processed and then get it removed off of the website Review Source Avi A. Finance Manager Facilities Services Used the software for: 1-2 years ### "Easy Saas solution for vendor management funding and approval flow" November 10, 2021 5.0 We needed better expenditure management, budget management, and a clearer understanding how much we spend on each vendor. PayEm has given me the ability to do budget tracking and troubleshooting on the spot. I’m in total control of the budget and can make sure that any deviation in the budget goes through me. At any given time. I know about the company’s expenses without going into outdated banking platforms. PayEm has also made it easy for employees to request funds. I no longer have to waste time with approval meetings. We easily avoid unnecessary credit card charges. The process is simple and convenient for everyone. Pros The robust purchase approval flow made our life easy. We can now receive requests from remote employees according to the company budget, manage all company vendor budgeting, and have a clear picture of all the money we manage, down to each and every transaction. I have visibility of all the money coming out of the company at the supplier level making it easy to manage the budget. Cons There’s nothing to dislike. PayEm is a great value-add for customers. Reason for choosing PayEm If you are looking for a robust approval flow, PayEm is your solution. I recommend this product to anyone who is still wasting time going back and forth with employees on fund requests. The finance team has transformed from the “difficult to work with” department to one that is fun and easy to work with. I'd happily recommend PayEm Review Source LE Lital E. Finance Marketing and Advertising Used the software for: 6-12 months ### "Intuitive and user-friendly system" November 4, 2021 5.0 We can distribute virtual credit cards by employee or vendor and easily set the limits. We now have control over expenses and precise project efficiency. The integration with our ERP system shortens accounting work, especially when it comes to vendor management. The customer success team’s service is great. We immediately receive a solution for any questions that arise. Highly recommend it to any business, small or large. The financial control made possible by this powerful SaaS platform is thorough and essential. Pros PayEm offers complete control and visibility over all company expenses. Our finance team can work efficiently, quickly with real-time control. Cons Nothing so far. I didn't experience problems. Review Source AL Andrei L. Head of Finance Computer Software Used the software for: 6-12 months ### "An ideal solution that’s simple and intuative" December 15, 2021 5.0 We were looking for a corporate card solution that would offer flexibility. PayEm is easy to use, helps us work fast, and keeps communications in one place. Pros PayEm makes things simple for us. From approvals to staying on top of transactions. We can quickly issue cards and everyone has been truly happy with this platform- from employees to the finance team. The interface is simple and intuitive, making it an ideal solution Cons The approvals aren’t as granular as I would like, but I know it’s being updated soon. Review Source YS Yaniv S. Operations Manager Marketing and Advertising Used the software for: 6-12 months ### "The ideal solution for vendor management" November 19, 2021 5.0 The platform developed by PayEm has enabled us to improve and simplify our process of managing and monitoring employee and vendor expenses using a very intuitive method of generating employee/vendor credit cards. PayEm allows us to manage budgeting and overall expenses while including all departments involved in the expense approval process. Pros PayEm’s solution makes it easy to manage vendor and company expenses. Everything from requests to payments to tracking invoices happens in one platform. Cons There is nothing to dislike in PayEm's solution. Review Source Similar Products Featured