Mesh Payments review: corporate cards and spend management with cardless payments and automated expense controls. Features, pricing and alternatives.
Category
Finance
Pricing
Freemium, from Free (Pro plan for up to 3 users); Premium from $13/user/month
Verified
Not yet
Last updated
July 18, 2026
Founded
2018
Headquarters
New York, US
Web AppAPIAI
Overview
Mesh Payments is a corporate spend management platform that gives businesses virtual and physical corporate cards alongside automated expense management and travel and expense (T&E) controls. It was founded in 2018 by Eran Katoni and Oded Zehavi and is headquartered in New York.
The platform is designed to give finance teams real-time visibility into company spend as it happens, replacing the reconciliation-after-the-fact model of traditional corporate cards and manual expense reports with rule-based controls and automated categorization.
Key Features
Mesh issues cardless and physical corporate cards that can be provisioned instantly and governed by granular spend rules set per vendor, category or employee, giving finance teams control over spend before it happens rather than after.
The platform automatically reconciles transactions with receipts and accounting codes, reducing manual expense-report work, and includes dedicated travel and expense management functionality alongside real-time dashboards and cashback on card spend.
Pricing
Mesh uses a freemium pricing model: its Pro tier is free for companies with up to three users, including unlimited cards and cashback with no long-term commitment.
Companies that need more advanced spend-control and reporting features can upgrade to the Premium tier at roughly $13 per user per month, while large organizations with complex global spend and travel requirements can get custom Enterprise pricing.
Key Features
Cardless Corporate Cards — Instantly provisions virtual and physical corporate cards without the delays of traditional card issuance.
Rule-Based Spend Controls — Sets granular limits by vendor, category or employee to prevent out-of-policy spend before it happens.
Automated Expense Reconciliation — Automatically matches transactions with receipts and accounting codes to cut down on manual expense reports.
Real-Time Spend Dashboards — Gives finance teams live visibility into company spend rather than waiting for end-of-month statements.
Travel and Expense Management — Combines travel booking and related spend management with everyday corporate card controls in one platform.
Cashback Rewards — Offers cashback on card transactions across all pricing tiers.
Vendor and Subscription Management — Helps track and control recurring vendor and SaaS subscription spend.
Pros & Cons
Pros
Free tier available for small teams, unlike many corporate card competitors
Cardless issuance lets teams provision cards instantly rather than waiting for physical delivery
Combines spend management and travel and expense in a single platform
Real-time visibility into spend helps finance teams catch issues before month-end
Backed by well-known investors, suggesting financial stability at scale
Cons
Free tier is capped at just three users, so most growing teams will need a paid plan
Premium tier pricing is per-user, which can add up for larger organizations
Enterprise pricing is custom and not published, requiring a sales conversation
Smaller market presence and brand recognition compared to larger competitors like Brex or Ramp
Some advanced spend-control and reporting features are reserved for higher-priced tiers
Pricing
Pro Free (up to 3 users) N/A
Premium $13/user/month Monthly
Enterprise Custom Annual
Frequently Asked Questions
What does Mesh Payments do?
Mesh Payments is a corporate spend management platform offering cardless corporate cards, automated expense management and travel and expense controls for businesses.
Is Mesh Payments free?
Mesh offers a free Pro tier for companies with up to three users, with a Premium tier at roughly $13 per user per month and custom Enterprise pricing for larger organizations.
Who founded Mesh Payments?
Mesh Payments was founded in 2018 by Eran Katoni and Oded Zehavi.
Where is Mesh Payments headquartered?
Mesh Payments is headquartered in New York.
How much funding has Mesh Payments raised?
Mesh Payments has raised approximately $123 million in total funding from investors including Tiger Global Management, TLV Partners and Alpha Wave Global.
Does Mesh Payments offer travel management?
Yes, Mesh includes dedicated travel and expense (T&E) management functionality alongside its core corporate card and spend management features.