Mesh Payments AI features and pricing (October 2026)

Mesh Payments is a travel and expense platform from New York for companies with global teams, combining corporate cards, expense and invoice processing with Mia, an AI assistant that works in WhatsApp, Slack and email.

Mesh combines corporate and virtual cards, expense management with receipt capture and categorization, travel expense controls, SaaS subscription management with vendor-locked cards, accounts payable and multi-currency reimbursement in more than 100 countries. An orchestration layer connects bookings from travel management companies, airline sites and online travel agencies with policy and spend data, and integrations include NetSuite, other ERP systems, HRIS and travel management companies.

Mesh is headquartered in New York. US cards are issued by SoFi Bank, with partners such as Peoples Trust Company, Adyen and NIUM in other regions.

• Collects receipts in chat appsMia, the Mesh AI assistant, reaches employees in WhatsApp, Slack or email, matches receipts to meetings, requests missing receipts before month-end and answers questions about what the policy covers. Employees need no extra app, and finance chases fewer receipts at close.
• Codes transactions automaticallyAI processes receipts, codes transactions to GL accounts and applies approval rules without manual input. Accounting receives coded card spend ready for the ERP, and approvers only see the cases that break a rule.
• Explains spend in plain languageFinance Storyteller connects to the ERP, reads transaction data and describes compliance violations, fraud indicators and cost drift in plain language. Finance leaders see where travel and expense spend moves without building their own analysis.

• Brings the AI assistant into WhatsApp, Slack and email instead of a separate expense app.
• Covers travel booked through agencies, airline sites and online travel agencies in one policy check.
• Offers a free Pro plan for up to 3 users next to Premium at $13 per user per month.

Mesh is headquartered in New York, and its US cards are issued by SoFi Bank; cards in other regions run through partners such as Adyen and NIUM.

Ask which card issuer and program apply in your countries, since Mesh works with different partners per region. The public pages name neither hosting region nor sub-processors, and SSO is not listed by plan, so request the security documentation and data processing agreement. Check the ERP integration beyond NetSuite and whether messaging channels such as WhatsApp are approved under your IT policy.

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