As companies grow, so do their expenses, and keeping track of every dime can become challenging. That’s where expense management providers come in, offering a range of solutions to streamline expense tracking, control, and reporting.
To help you automate your expense management process, we’ve compiled a list of the top 10 best expense management providers for B2B organizations.
Whether you’re a small startup or a multinational corporation, these providers offer the tools and services you need to keep your financial house in order.
1. Duplo:
Duplo is a modern, all-in-one financial operations and expense management platform built specifically for B2B companies in Africa. Unlike traditional tools that focus only on reimbursements or expense filing, Duplo offers a comprehensive spend management ecosystem that helps organizations automate, control, and gain full visibility over every aspect of their financial operations.
With Duplo, finance teams no longer have to chase receipts, wait for manual approvals, or struggle with incomplete data. The platform centralizes all expenses—whether card-based, cash-based, department-level, or vendor-related—so businesses can operate faster and with greater accuracy.
Key Features of Duplo’s Expense Management Solution:
Real-Time Expense Tracking
Every expense—whether submitted by employees, captured via mobile, or received from vendors—syncs in real time. This allows finance teams and department heads to know where every naira goes, at any moment.Customizable Approval Workflows
Duplo allows businesses to set approval rules by department, spend category, transaction limit, or role. No more bottlenecks or unclear responsibilities—decisions are made quickly and transparently.Budget Controls & Spend Limits
Companies can assign spend budgets per department or project, helping prevent overspending while maintaining accountability across the organization.Tax-Ready & Automated Reporting
Duplo automatically categorizes expenses and generates clean, audit-ready financial reports. This helps finance teams reduce manual work, stay compliant, and close their books faster every month.Seamless B2B Payments Integration
Beyond expense management, Duplo also supportsInstant vendor payoutsAutomated payment workflowsInternational transfersUSD and cross-border settlementReconciliation and financial visibility across teams
This makes Duplo a complete financial operations solution, not just an expense tool.
Multi-Level Visibility & Control
Business owners, CFOs, and department heads gain full visibility into spending patterns, compliance issues, and department-level performance—all from a single dashboard.Built for African Businesses
Unlike global tools that require heavy customization or lack local context, Duplo is built for the realities of African finance teams—bank integrations, regulatory requirements, local payment methods, and team structures.
Who Duplo is Ideal For:
Duplo is perfect for:
Fast-growing B2B companies
Multi-location or distributed teams
Companies managing high vendor or departmental spending
Finance teams looking for deeper visibility and automation
Organizations that want both payments and expense management in one place
With Duplo, teams don’t just track expenses—they control spending, automate workflows, stay compliant, and make smarter financial decisions across the business.
2. Expensify:
Expensify is known for its user-friendly interface and smart scanning technology. It simplifies expense reporting and approval workflows and is ideal for companies looking to streamline expense processes.
3. SAP Concur:
SAP Concur is a globally recognized expense management provider offering a comprehensive suite of tools for expense tracking, invoice management, and travel expense reporting. Their cloud-based platform is a go-to choice for businesses of all sizes.
4. Zoho Expense:
Zoho Expense is a budget-friendly option that doesn’t compromise on features. With a user-friendly interface, it offers robust expense tracking, approval workflows, and insightful reporting tools.
5. QuickBooks:
QuickBooks, a household name in accounting, also offers an expense management solution for businesses. It seamlessly integrates with your accounting software, making expense tracking a breeze.
6. Rydoo:
Rydoo offers an all-in-one expense management solution that combines expense tracking, corporate cards, and travel bookings into a single platform. It’s designed for B2B organizations with extensive travel needs.
7. Abacus (now Emburse):
Abacus, also part of the Emburse family, provides real-time expense reporting and automated expense policy enforcement, making it a preferred choice for companies looking to eliminate expense fraud.
8. Certify (now Emburse):
Certify, now under the Emburse umbrella, provides end-to-end expense management solutions that simplify expense reporting, travel bookings, and accounts payable. It’s a great choice for businesses with complex expense needs.
9. Divvy by Bill.com:
Divvy by Bill.com is a corporate card and expense management platform that not only streamlines expense tracking but also offers budgeting tools and expense analytics to help B2B organizations make informed financial decisions.
10. Nexonia (now Emburse):
Nexonia, part of the Emburse suite, offers powerful expense reporting and time-tracking solutions designed for businesses with a focus on compliance and accuracy.
Effective expense management is crucial for B2B organizations to maintain financial health and sustainability. These 11 providers mentioned above offer a range of features and solutions to meet the unique needs of different businesses. Whether your focus is on streamlining travel expenses, enforcing expense policies, or simplifying invoice management, there’s a provider on this list that’s right for your organization.
By choosing the right expense management solution, you can reduce administrative burden, improve accuracy, and make better financial decisions, ultimately contributing to the success of your B2B organization.
