Mesh Payments

Mesh Payments, which also markets itself as Mesh, issues physical and virtual Visa corporate cards and wraps them in expense, accounts payable, procurement payment and travel tools. Spend rules sit on each card: limits, expiry dates and vendor locks. The platform collects and processes receipts with AI, assigns general ledger codes automatically, routes approvals and reconciles transactions as they happen. An assistant called Mia lets employees submit receipts, request cards and ask policy questions over Slack, WhatsApp or email. Mesh says its cards are issued in local currency in more than 40 countries, through partners SoFi Bank in the US, Peoples Trust in Canada, Adyen in Europe and the UK, and NIUM in Australia and Singapore. That makes it a reasonable fit for multinational finance teams that want one policy across regions. Pricing has three tiers. Pro is free for up to 3 users, Premium costs $13 per user per month, and Enterprise is quoted on request. Mesh earns most of its revenue from card interchange, and it pays cashback only once monthly card spend reaches $50,000. It integrates with ERPs and accounting tools such as NetSuite, QuickBooks and Xero, with HRIS systems, and with Slack, and it also offers an MCP-compatible interface and a CLI for querying data. The main limitation is that a third-party review describes the cards as prepaid or debit cards with no credit line. Mesh is also a spend tool rather than an accounting system, so it has no ledger, invoicing or payroll of its own.