| No Limits | | | |
| Unlimited Users | ✓ | ✓ | ✓ |
| Unlimited Records | ✓ | ✓ | ✓ |
| Unlimited Payments | ✓ | ✓ | ✓ |
| Unlimited Training | ✓ | ✓ | ✓ |
| Issue physical & virtual cards instantly | | | |
| Cards included in plan | 4 | 10 | 50+ |
| Additional per card per month | $10 | $10 | Custom |
| Budgets | | | |
| One-time, weekly & monthly budgets | ✓ | ✓ | ✓ |
| Daily & fortnightly budgets | — | ✓ | ✓ |
| Custom budget reset dates | — | ✓ | ✓ |
| Budget top-ups & reductions | ✓ | ✓ | ✓ |
| Unspent budget rollover | ✓ | ✓ | ✓ |
| Money requests | — | ✓ | ✓ |
| Spend controls | | | |
| Individual spend limits | ✓ | ✓ | ✓ |
| Budget & spend report | ✓ | ✓ | ✓ |
| High-risk merchant blocking | — | ✓ | ✓ |
| ATM withdrawal blocking (per-user) | — | ✓ | ✓ |
| Liquor store blocking | — | ✓ | ✓ |
| Pub, bar & nightclub blocking | — | ✓ | ✓ |
| Online transaction blocking | — | ✓ | ✓ |
| International transaction blocking | — | ✓ | ✓ |
| Digital wallet blocking | — | ✓ | ✓ |
| Bill Payments | | | |
| Bill management | ✓ | ✓ | ✓ |
| Supplier management | ✓ | ✓ | ✓ |
| Automated bill capture | ✓ | ✓ | ✓ |
| Fraud detection | ✓ | ✓ | ✓ |
| Duplicate detection | ✓ | ✓ | ✓ |
| Automated bill creation | — | ✓ | ✓ |
| Bill auto-approval limits | ✓ | ✓ | ✓ |
| Bill multi-layer approvals | — | Soon | Soon |
| Line by line coding (Bills and Receipts) | — | Soon | Soon |
| Expense Management for your team | | | |
| Mobile app (Android & Apple) | ✓ | ✓ | ✓ |
| Mobile receipt upload | ✓ | ✓ | ✓ |
| Real-time expense tracking | ✓ | ✓ | ✓ |
| Add notes to every transaction | ✓ | ✓ | ✓ |
| Custom expense tagging | — | ✓ | ✓ |
| Dedicated documents forwarding email per user | — | ✓ | ✓ |
| Automated receipt attachment | — | ✓ | ✓ |
| AI Bookkeeping (add-on) | | | |
| Free transactions included | 50 | 250 | 250 |
| Automated merchant categorisation | ✓ | ✓ | ✓ |
| Automated merchant tagging | ✓ | ✓ | ✓ |
| Automated GST extraction | ✓ | ✓ | ✓ |
| Automated receipt checks | ✓ | ✓ | ✓ |
| Accounting integration | | | |
| Accounting exports (Xero, MYOB, Quickbooks) | ✓ | ✓ | ✓ |
| Advanced Xero integration | ✓ | ✓ | ✓ |
| Card payments | | | |
| Free & unlimited domestic payments | ✓ | ✓ | ✓ |
| Mobile wallet (Apple + Google Pay) | ✓ | ✓ | ✓ |
| 100+ foreign currencies | ✓ | ✓ | ✓ |
| Low FX margin | 1.55% | 1.55% | 1.55% |
| Team management | | | |
| Unlimited users | ✓ | ✓ | ✓ |
| User roles & permissions | ✓ | ✓ | ✓ |
| Accountant role (read only) | ✓ | ✓ | ✓ |
| Advanced card & expense controls | — | ✓ | ✓ |
| Custom roles & permissions | — | — | Soon |
| Teams | — | — | Soon |
| Support | | | |
| Unlimited help & support | ✓ | ✓ | ✓ |
| Help centre & knowledge base | ✓ | ✓ | ✓ |
| Email, phone OR face-to-face support | ✓ | ✓ | ✓ |
| Personalised onboarding & training | ✓ | ✓ | ✓ |
| Premium onboarding & support | — | ✓ | ✓ |
| Dedicated account manager | — | ✓ | ✓ |
| Dedicated senior account manager | — | — | ✓ |
| Priority support | — | — | ✓ |
| Priority review of feature requests & roadmap input | — | — | ✓ |
| Audit data & exports | | | |
| Account data exports | ✓ | ✓ | ✓ |
| Audit trails | ✓ | ✓ | ✓ |
| Audit trail data retention | 3 years | 5 years | 7+ years |
| Security & trust | | | |
| Multi-factor authentication (MFA) | ✓ | ✓ | ✓ |
| Passkey / Biometric authentication | Soon | Soon | Soon |
| Enhanced password protection | ✓ | ✓ | ✓ |
| Suspicious IP throttling | ✓ | ✓ | ✓ |
| Encrypted at rest and in transit | ✓ | ✓ | ✓ |
| Role-based access control | ✓ | ✓ | ✓ |
| Tamper-proof activity log | ✓ | ✓ | ✓ |
| Data hosted in Australia (AWS Sydney) | ✓ | ✓ | ✓ |
| APRA-regulated operator | ✓ | ✓ | ✓ |
| Live status dashboard | ✓ | ✓ | ✓ |
| Single Sign-On (SSO) with multi-domain support | — | — | ✓ |
