Payfy alternatives: 12 tools compared (October 2026)

VExpenses is a Brazilian platform for expense reimbursement, corporate cards and business travel. Its AI reads receipts, creates expenses from voice or text, flags duplicates and policy breaches, and compares travel prices.

Key functions

• Intelliscan reads a photo of the invoice (nota fiscal) and fills in the expense fields automatically
• Assistente VExpenses creates expenses from voice, text or image commands
• Hórus detects duplicates and prohibited items and alerts before approval

Compared with Payfy

• Strong in the same markets as Payfy: Brazil.

Check before buying: VExpenses publishes no prices, trial terms, certifications or hosting details; ask sales for all of them. The privacy policy states that personal data may be stored outside Brazil, so ask which countries and providers are involved and how LGPD transfer rules are met. Check the ERP connection for your accounting system and whether card programs fit your Brazilian banking setup.

Onfly is a Brazilian corporate travel and expense platform that combines self service booking of flights, hotels and cars with expense reports, reimbursement and a prepaid company card, and uses AI to validate receipts and flag spending that breaks policy.

Key functions

• AI validates submitted receipts and invoices
• AI detects items that are not allowed and spending outside the travel policy

Compared with Payfy

• Strong in the same markets as Payfy: Brazil.

Check before buying: Onfly is built for companies in Brazil and Latin America, so check whether your countries, currencies and tax documents are supported. Ask where data is hosted, which certifications exist beyond the information security policy, which ERP connectors run directly and which through partners, and which plan includes the AI receipt checks. Payment works by credit card or top up by boleto, with invoiced billing for Premium and Enterprise after approval.

Expense management software from Uberlândia for reimbursements, advances, corporate cards and Pix payments.

Key functions

• Barista IA detects fraud and anomalies, flags policy violations and auto-approves compliant expenses.

Compared with Payfy

• Strong in the same markets as Payfy: Brazil.

Corporate expense platform from São Paulo with company cards, expense tracking, travel and flexible benefits.

Key functions

• The AI assistant Bob reads receipts and invoices, identifies errors and generates expense reports.

Compared with Payfy

• Strong in the same markets as Payfy: Brazil.

Factorial is an all-in-one HR and business management platform for small and midsize companies, covering time tracking, payroll, recruiting, performance and finance, with an AI agent called One that drafts documents, answers data questions and supports recruiting tasks.

Key functions

• AI agent One drafts reports, surveys, reviews and job descriptions and answers questions from policies and documents
• Automated analytics spanning time tracking, recruiting, performance and compensation
• AI-suggested shift scheduling to reduce planning errors

Compared with Payfy

• Publishes a price (from €8 per user/month); Payfy quotes on request.
• Offers a free trial; we found none for Payfy.
• Can store data in the EU; Payfy states no EU option.
• Headquartered in Spain, Payfy in Brazil.

Check before buying: Before adopting Factorial, clarify which modules are included in the published per-user starting price and which need a custom quote, and confirm a data processing agreement under GDPR Article 28. Because it tracks time, runs performance reviews and lets AI suggest candidate matches, German works councils typically hold co-determination rights under Section 87 (1) BetrVG, and using it for recruiting decisions falls under the EU AI Act's high-risk category from December 2027.

FreeAgent is cloud accounting software for UK small businesses, sole traders, landlords and their accountants. It covers bookkeeping, invoicing, payroll and UK tax filing, with AI receipt capture and machine learning that suggests categories for bank transactions.

Key functions

• Smart Capture reads receipts and bills from photos, PDFs and images and automatically matches them to the relevant bank transaction
• Smart Capture applies AI-based categorization to captured documents, and users only approve the result
• Machine learning categorizes bank transactions automatically, learns from earlier choices and explains new transactions based on previous descriptions

Compared with Payfy

• Publishes a price (from £10 per month); Payfy quotes on request.
• Offers a free trial; we found none for Payfy.
• Can store data in the EU; Payfy states no EU option.
• Headquartered in United Kingdom, Payfy in Brazil.

Check before buying: FreeAgent is designed for UK tax rules and UK banks, so check that your business files with HMRC and whether your bank account qualifies for free use. Customer data is held in data centers in Ireland, and a subprocessor list is public. The data processing addendum, version 1.0 from June 2026, is published and forms part of the terms. Single sign-on works through a NatWest group bank login or a Google account. Plan for Smart Capture Unlimited above ten receipts a month.

Mobilexpense is expense management software from Brussels, part of Visma, with Declaree for midsize companies and MXP for multinationals, using AI to capture, categorize and validate receipts and to detect duplicates and anomalies.

Key functions

• AI captures, categorizes and validates receipts
• Duplicate detection and expense policy enforcement
• Anomaly detection and insights into spending patterns

Compared with Payfy

• Publishes a price (from €8 per user/month); Payfy quotes on request.
• Can store data in the EU; Payfy states no EU option.
• Headquartered in Belgium, Payfy in Brazil.
• Has a German interface; Payfy does not list one.

Check before buying: Decide between Declaree and MXP based on the number of countries and entities you run. Mobilexpense states that data is stored in certified EU data centers; ask for the exact location, the DPA and the sub-processor list, which were not published on the pages we reviewed in September 2026. Also confirm the ERP and HR connectors you need. For German entities, check DATEV export and GoBD compliant receipt archiving.

TOKIUM Expense is a Japanese expense management service in which employees photograph receipts, AI and a large operator team turn them into checked data, and AI pre-checks claims against company policy before a manager approves.

Key functions

• AI reads photographed receipts and operators check and correct the result, at more than 99 percent accuracy according to the vendor
• AI proposes travel routes and accommodation based on the travel policy
• AI checks every line item against internal rules, detects unusual amounts and policy violations and adds comments, while approval stays with the customer

Compared with Payfy

• Publishes a price (from ¥10,000 per month); Payfy quotes on request.
• Names 2 security certificates, Payfy 0.
• Strongest elsewhere: Japan.

Check before buying: TOKIUM Expense stores data in Japan and runs in Japanese, so it fits a Japanese entity; transfers of employee expense data to a European parent need a legal basis. Operators see receipt data during checks, so review the confidentiality terms. The functions page lists SAML authentication and IP restrictions, but not the plan they belong to. Ask for the detailed price table, since the public page only gives the base fee.