Many people and companies are looking for the Best ReisPay Alternatives that provide greater worldwide acceptance, less fees, and more intelligent spending controls as digital payments and travel expense solutions develop quickly.
By integrating safe mobile payments, multi-currency compatibility, and automated expense management, contemporary payment platforms in 2026 go beyond simple transactions.
Selecting the best option can facilitate reimbursements, enhance trip payments, and improve financial visibility across use cases and geographies.
What Is ReisPay?
ReisPay is a digital payment and expense-related solution created to facilitate travel-related transactions, allowing consumers and companies to more effectively handle payments, reimbursements, and travel-related expenses.
It is usually positioned for use in expenditure management, travel reservations, and on-the-go payments, facilitating the payment and tracking of travel expenses in a single process.
Travelers and businesses looking for more seamless payment experiences without depending on conventional, manual methods will benefit from ReisPay’s emphasis on ease, safe transactions, and streamlined payment processing.
Key Point
| Alternative | Key Feature |
|---|---|
| Apple Pay | Top global mobile wallet for contactless payments with strong security and wide acceptance worldwide. |
| Google Pay | Android-friendly digital wallet with broad ecosystem integration and low fees. |
| PayPal | Global payment platform accepted in most travel booking sites and e-commerce; strong buyer protection and multi-currency support. |
| Expensify | Business expense tracking and payments with receipt scanning and travel reimbursement features. |
| Pleo | Corporate expense and travel spend management with company cards and reimbursement tools. |
| Zoho Expense | Cloud-based travel and expense management with automated workflows and multi-currency support. |
| TravelPerk | Travel booking and payment/expense tools (air, hotel) with transparent pricing. |
| Mesh Payments | Integrated travel, expense, and card solution for enterprise spend control and automation. |
| Navan (formerly TripActions) | All-in-one business travel management with payment, booking, and policy enforcement. |
| Revolut | Digital banking and global payments platform with multi-currency accounts, cards, and business travel support. |
1. Apple Pay
Apple Pay is a secure mobile wallet and part of the built-in apps of Apple iOS devices, works in over 147 countries including the USA, The United Kingdom, India, Japan and Australia. Features currencies like the USD, Euro, GBP, JPY, and more. Apple Pay itself has no direct fees while the merchants incur regular fees charged from their credit cards.
It’s features and capabilities are designed to achieve great ease in doing contactless payments, buy things online, and even buy within apps. As ReisPay Competitor Apple Pay has the most stellar reputation in customer service satisfaction, transparency in service charges, and have been doing these other extra services for free.
Apple Pay is a great competitor with others for all the merchants and apple customers in developed countries.
Apple Pay Features
- Contactless Payment – Available from iPhone, Apple Watch, iPad and Mac.
- Secure – You are authenticated by tokenization and Face/Touch ID.
- Worldwide – Available in over 140 countries.
- Processor – Safari for online purchases and in-app.
- All currencies – Works with any major currency with all card-issuing banks.
Apple Pay pros & Cons
| Pros | Cons |
|---|---|
| Widely accepted in 140+ countries | Limited to Apple ecosystem (iOS/macOS only) |
| No direct user fees | Merchant fees depend on card networks |
| Strong security with Face/Touch ID | Not available in all regions (developing markets limited) |
| Seamless integration with apps and Safari | Requires compatible Apple |
2. Google Pay
Contactless payments, online checkout and peer2peer payments are also google pay. Google Pay works in USA, Singapore, India and most of Europe. The billing is to the user’s home country currency, but Google Pay also supports more currencies all regulated by USD.
Google Pay does not charge a for a domestic payment but a fee will be charged for a cross border transaction and their are fees associated with currency exchange.
Google Pay dominates the market in India (via UPI) and is an effective ReisPay alternative for Android Users** globally** due to its no charges, high merchant acceptance, and compatibility with Chrome and Wear OS.
Google Pay Features
- UPI Integration (India) – Instant bank transfers to and from accounts for Universal Payments Interface.
- Cross-Platform – Available on Android, Wear OS and Chrome.
- Peer-To-Peer – Users can send money freely with no fees.
- Worldwide – Available in over 40 countries.
- Secure – Users are authenticated using multilayer encryption and biometrics.
Google Pay
| Pros | Cons |
|---|---|
| Strong adoption in India via UPI | Limited availability in some countries |
| Zero domestic transfer fees | FX fees apply for cross-border payments |
| Works across Android, Wear OS, Chrome | Less penetration in iOS ecosystem |
| Easy peer-to-peer transfers | Merchant acceptance varies globally |
3. PayPal
This online payment platform is available in more than 200 countries (with some limitations) and works with over 25 currencies, such as the USD, EUR, GBP, AUD, JPY, and INR.
Their service charges include 2.9% + fixed fee per each domestic transaction (4.4% + FX markup for out of country transactions).
PayPal can be considered as a ReisPay alternative to freelancers, SMEs, and cross-border commerce as it provides buyer protection, multi-currency wallets, and global acceptance.
PayPal
- Worldwide – Available in over 200 countries.
- Wallet – Users can store over 25 currencies.
- Protected Buyer – PayPal is known to protect buyers and has good process in place for dispute resolution.
- Merchant Services – Available are invoicing and subscriptions as well as APIs for other services.
- Fees – 2.9% domestic and 4.4% for international transactions with a foreign exchange markup.
PayPal
| Pros | Cons |
|---|---|
| Accepted in 200+ countries | High international fees (4.4% + FX markup) |
| Supports 25+ currencies | Account freezes can disrupt business |
| Buyer protection for e-commerce | Slower withdrawals in some regions |
| Easy invoicing and subscriptions | Not ideal for micro-transactions due to fees |
4. Expensify
As an ReisPay alternative, Expensify is great for corporate expense tracking, reimbursements, and compliance due to the fact it provides with the global expense management platform with reimbursements in multiple currencies such as USD, EUR, GBP, and CAD.
Pricing starts at $5 per user/month, and enterprise features come with additional costs. For multinational teams, it is a perfect fit since it helps in more than 10,000 banks and speaks 10+ languages.
Expensify Features
- Automated – Users do not have to fill in data manually and the software can do so by scanning the image with Optic Character Recognition.
- International – Users have the choice to reimburse in any currency.
- Integrates – Can sync data with QuickBooks, Xero and NetSuite.
- On the go – Users can report expenses in real time with the mobile app.
- Starts From – The cost is $5 each month for each user.
Expensify
| Pros | Cons |
|---|---|
| Automated expense tracking with OCR | Pricing can be high for large teams |
| Global reimbursements in multiple currencies | Limited advanced features in free plan |
| Integrates with QuickBooks, NetSuite, Xero | Focused mainly on expense management, not payments |
| Mobile-friendly app | Requires training for full adoption |
5. Pleo
Pleo automates expenses and provides smart company cards. Their multi-currency accounts include USD, EUR, GBP, and more. These accounts come with commitment fees that are quote-based.
Regional activities cover Europe, the UK, and its Global Expansion. For SME and startups and as a ReisPay Alternative, Pleo provides real-time visibility for employees, smart cards reduction of fx costs, and expense empowerment.
Pleo Feature
- Smart Company Cards: Each employee gets a physical card and a virtual card.
- Real-Time Tracking: Visibility of instant spending.
- Multi-Currency Support: Supports several currencies (USD, EUR, GBP, and more).
- Integrations: Connects with several accounting software including Xero and QuickBooks.
- Employee Empowerment: Round spending control but with some restrictions.
Pleo
| Pros | Cons |
|---|---|
| Smart company cards for employees | Limited availability outside Europe |
| Real-time expense tracking | FX fees apply for global transactions |
| Integrates with accounting tools | Pricing is quote-based, not transparent |
| Empowers employees with controlled spending | Best suited for SMEs, not large enterprises |
6. Zoho Expense
Automated conversion supporting every country and currency makes it a SaaS expense manager called. It has a free plan and costs $5 per user/month. It has strong presence in North America, Europe, India, and the Asia-Pacific.
For automated expense solutions, it is a perfect fit SMB and enterprise. ReisPay alternative is Zoho Expense for offered Automated OCR receipt scanning, compliance and multi currency solutions.
Zoho Expense Features
- Automation: Optical character recognition (OCR) for receipt scanning and for automatic enforcement of policy.
- Multi-Currency: Automatic currency conversion for teams with members from different countries.
- Compliance: Support for VAT and GST for the EU and for India.
- Integrations: Compatible with Zoho Books, various QuickBooks editions, and multiple ERP systems.
- Pricing: Free plan and for a premium, it’s $5 per users each month.
Zoho Expense
| Pros | Cons |
|---|---|
| Affordable pricing ($5/user/month) | Free plan limited in features |
| Multi-currency support with auto conversion | Interface less polished than competitors |
| Strong compliance (VAT/GST support) | Requires Zoho ecosystem for best use |
| Integrates with ERP and accounting tools | Not as strong in travel management |
7. TravelPerk
With over 27,000 hotel deals in 150+ countries, TravelPerk as a corporatr travel manager offers. Starting at $15 per user/month it has large premium plans for bigger companies. Supported currencies include USD, EUR, GBP, and CAD.
For corporates in travel and expense management it provides a unique combo of policy enforcement, centralized booking, and global coverage is TravelPerk as a ReisPay Alternative.
TravelPerk Features
- Corporate Travel Management: Consolidated booking for all flights, hotels, and vehicles.
- Policy Enforcement: Automatic adherence enforcement for the companies regulations.
- Global Coverage: 150+ countries available.
- Expense Integration: Works with ERP systems and various expense software.
- Pricing: From $15 per month per each user.
TravelPerk
| Pros | Cons |
|---|---|
| Centralized corporate travel booking | Pricing starts at $15/user/month |
| Access to 150+ countries | Focused mainly on travel, not payments |
| Policy enforcement automation | Limited customization for SMEs |
| Integrates with ERP and expense tools | Premium features locked behind higher tiers |
8. Mesh Payments
With multi currency options, USD, EUR, and GBP are among the currencies it supports and is a spend management software powered by AI called Mesh Payments. Quote based pricing is available and is customized for the enterpriseius.
It has a global presence, particularly in the US and Europe. For businesses needing automation, compliance, and real-time control of travel and expense management, Mesh Payments competes with ReisPay well.
Mesh Payments Features
- AI-Powered Spend Management: Management and analytics access in real-time.
- Multi-Currency: Supports USD, EUR, GBP.
- Global Reach: Well penetration across the US and Europe.
- Automation: Enforcement of policy and compliance tracking.
- Enterprise Focus: Custom solutions for bigger companies.
Mesh Payments
| Pros | Cons |
|---|---|
| AI-powered spend management | Pricing is quote-based, not transparent |
| Real-time visibility and analytics | Best suited for enterprises, not freelancers |
| Multi-currency support (USD, EUR, GBP) | Limited adoption outside US/EU |
| Strong compliance and automation | Requires enterprise-level setup |
9. Navan (TripActions)
Navan provides travel and expense management with integrated global travel and expense management and global support in over 30 countries. Pricing is free for small businesses with 300 employees, and enterprise contracts are by quote.
Payments are available in dollar, euro, and pound as well as other leading countries’ currencies. Navan is a ReisPay alternative for mid-to-large companies providing automation of expense management, travel booking, and ease of ERP integration.
Navan (formerly TripActions) Features
- Integrated Travel + Expense: One mobile and web platform for both travel and the reimbursement process.
- Global Inventory: Over 30 countries with the availability of flights, hotels, and vehicles.
- Automation: Policy adherence through AI.
- ERP Integrations: has connections to SAP, Oracle, and QuickBooks.
- Pricing: Free for small and mid-sized businesses; tailored for enterprises.
Navan (formerly TripActions)
| Pros | Cons |
|---|---|
| Integrated travel + expense management | Enterprise pricing can be expensive |
| Global inventory in 30+ countries | Complex setup for smaller firms |
| AI-driven policy enforcement | Focused mainly on mid-large enterprises |
| ERP integrations (SAP, Oracle, QuickBooks) | Free plan limited to SMBs only |
10. Revolut
They are a global fintech with over 30 currencies (example USD, EUR, GBP, INR, JPY, AUD) and operating in 200+ countries with foreign exchange (FX) fees ranging between 0.5%–2% depending on plan.
No charge for basic plans and premium plans are available for $9.99 or $16.99 per month. Revolut is a ReisPay alternative for individuals and small businesses that require multi-currency accounts, foreign exchange (FX) savings, and international fund transfers.
Revolut Features
- Multi-Currency Wallet: More than thirty currencies.
- Global Transfers: 200+ countries.
- FX Savings: Lower than average conversion fees (between 0.5% and 2%) .
- Super-App: Includes banking, cryptocurrency, stock trading, and payment services.
- Pricing: Tier with no cost + several premium options each month ($9.99 to $16.99).
Revolut
| Pros | Cons |
|---|---|
| Supports 30+ currencies | FX fees (0.5%–2%) outside premium plans |
| Available in 200+ countries | Premium tiers ($9.99–$16.99/month) required for full features |
| Multi-currency wallet + global transfers | Customer support sometimes slow |
| Super-app with banking, crypto, stocks | Regulatory restrictions in some regions |
How to Choose the Best ReisPay Alternative in 2026
Payment Flexibility: Look into competitors that adapt to various forms of payment such as contactless, online, or mobile wallet transactions for easy payments while traveling or shopping online.
Transaction Fees: Look for competitors that practice transparent pricing for minimal fees, including no hidden fees, for easy savings on every payment and cross-border transactions.
Multi-Currency Support: Look into competitors that accept many currencies and convert on-site, since that reduces the cost of convenience for traveling or doing business abroad.
Global Availability: Look into options that have no country or region limitations if you require cross-border payments and seamless functionality of the platform.
Security & Compliance: Look for competitors that have robust encryption, multi-layer fraud protection, easy authentication, and focus on compliance for the protection of your financial transactions and data.
Business vs. Personal Use: Determine if the platform is primarily for personal use, where you would need mobile payment simplicity, or for business, where advanced expense and travel management is required.
Integration & Automation: Look for competitors that have platform integrations with accounting and travel management as well as financial tools for automated approval workflows and reporting efficiencies.
User Experience: Opt for user friendly systems. Look for reliable services that offer easy onboarding and documentations to streamline the user experience for everyone.
Rewards & Perks: Explore services that include loyalty and travel rewards or cashback to increase the benefit they provide for frequent use or payments.
Scalability: Confirm that the alternative will continue to meet your requirements and will allow for the addition of more users, increased spending limits, or more functionalities as your demands change.
Conclusion
As of October 2023, ReisPay alternatives are adaptive to payment and expense management solutions across industries. 2023 ReisPay alternatives are flexible, secure and global. 2023 ReisPay alternatives secure payment solutions are to Apple and Google with seamless and instant payment to merchants at no cost.
PayPal’s global account services will remain valuable to freelancers and small businesses. Managing business expenses made easier with Pleo and Zoho. Travel and spend management automation solutions focus on large enterprises with Expensify, Mesh Payments, Navan, TravelPerk.
International users benefit from foreign exchange savings and multi-currency accounts from Revolut. Embedded within all of these alternatives to ReisPay are seamless payment capabilities, compliance, and scalability.
FAQ
What are the best ReisPay alternatives?
Apple Pay, Google Pay, PayPal, Expensify, Pleo, Zoho Expense, TravelPerk, Mesh Payments, Navan, and Revolut.
Which is best for consumers?
Apple Pay, Google Pay, and Revolut offer seamless everyday payments.
Which suits freelancers and SMEs?
PayPal, Pleo, and Zoho Expense provide global payments and expense automation.
Which platforms fit enterprises?
Expensify, Mesh Payments, Navan, and TravelPerk deliver advanced travel and spend management.
Do they support multiple currencies?
Yes, most support USD, EUR, GBP, and global FX conversions.
