Agicap Spend Management Battlecards PDF

October 2023 Spend Management battlecards Crowded Spend Management industries with different types of players Type Example of players Characteristics Spend first solutions Spend Management centric solution that generally also expanded to Account Payables Automation features. Expense claims so...

October 2023 Spend Management battlecards Crowded Spend Management industries with different types of players Type Example of players Characteristics Spend first solutions Spend Management centric solution that generally also expanded to Account Payables Automation features. Expense claims solution HR or Export reports focus solution that generally does not offer company cards but Expense reports/claims management that could be compared AP players with Spend features Account Payables automation players that expanded their operations to Spend Management Banks All traditional banks offer debit/credit cards (cost per card), and few of them integrate some receipt collection features (Qonto, Revolut) Other types of players All traditional banks Different types of players like generalist Fintech (Regate, Pennylane), financial services corporations (AMEX), Employee Benefits (Cicula) or even OCR providers (Klippa) Killer arguments that can be used for all competitors 1⃣ Cost saving (if >5k€ monthly Spend): What is the cost of / offer for your XXXX solution? With Agicap, such solution will be free of charge if you spend >5k€ monthly in total. Therefore it is a significant reduction in cost of XXXX€ that you could achieve if you compute it annually. 2⃣ Finance stack centralisation: Today you (would?) have XXX for Spend Management. At the same time, we observe that companies tend today to try to consolidate their Finance stack with All-in-one solutions to connect better the different functions and fluidify processes. This it why Agicap offers namely cash flow monitoring and forecasting, but also Supplier invoices management and Payment, Cash Collection, and of course Spend Management. Is Finance tools consolidation a topic for you too? 3⃣ Enhanced Cash flow Management: By connecting and integrating Agicap Spend Management solution to our Cash flow monitoring solution, you gain granularity on all expenses and can automate categorisation in your Cash Flow plan based on merchant or card holder for example. Agicap vs XXX Comparisons competitor per competitor Agicap vs Spendesk Features comparison Agicap Spend Account top-up Cards Account provider Swan Other features Auto top-up Q4 2023 Spendesk ⚠Wallet with minimum amount? Debit/Deferred/Credit Debit Debit Physical/Virtual ✅Physical/Virtual ✅ Physical / Virtual Receipts collection Email, in-app Email, in-app, mobile, sms Expense request ✅ ✅ Other features (insurance, miles…) Expenses Pre-accounting Budget Management 🔄 Q1 2024 ✅ Subscription Management 🔄 Q1 2024 ✅ Verification/validation workflows ❌ ✅ Expenses reimbursement ❌ ✅ Preparation ✅ ✅ Automation (supplier/expense accounts) 🔄 Q4 2023 ✅ Integration Same interface ✅ ❌ Auto sync / categ in cash flow plan ✅ API Agicap Cash Management Cash Forecasting Supplier Invoice Management Supplier payment Cash Collection ❌ Cash Management ❌ Cash Forecasting Supplier Invoice Management Supplier payment (Pivot Account only) ❌ Cash Collection Price Free if >5k€ expenses ABP 300€/ month ~0.5€ / transaction Cashback Yes (on case-by-case basis) ❌ Customer size SMBs / Mid Market SMB / Mid Market Countries France, Italy, Germany, Spain France, Germany, UK, Spain Tried then closed: USA, Italy Agicap specificities Other solutions Pricing Their main strengths Main strenghts and/or objections Answer from Agicap Spendesk has quite an advanced solution to cover needs over budget allocation, manager validation flows for expenses…etc Those are needs that Agicap has for our own usage of Spend management, so they are fully identified and our solution will become compliant along Q1 2024. Spendesk told us that Agicap uses Spendesk, why don’t you use your own solution? Indeed because they have a good solution. We started to switch some of our operations to our own system, and we wait for a few features to be released to able to switch the rest. Budgets and Validation workflow are among those required features, so you can trust us that we know what is required to keep developing our Spend Management solution Killer arguments Generalist arguments (here): 1⃣ Cost Saving (if >5k€ monthly Spend) (Spendesk average basket price is €300) 2⃣ Finance stack centralisation 3⃣ Enhanced Cash flow Management Specific arguments: 4⃣ Wallet: What is the minimum amount that is required on your Spendesk account? Ok, that’s a lot, it means you “block” this amount on the Wallet while it could be used somewhere else. With Agicap you would have no need to block a minimum amount, with direct debit you feed your wallet only with what is required. 5⃣ Cashback (⚠ only if expected monthly spend >50k€)): On top of saving cost on Spendesk, Agicap would also give you money for using the Spend Management solution. Agicap vs Pleo Features comparison Agicap Spend Account top-up Cards Account provider Swan Other features Auto top-up Q4 2023 Pleo Debit/Deferred/Credit Debit Debit Physical/Virtual ✅Physical/Virtual ✅Physical / Virtual Email, in-app Email, in-app, mobile Other features (insurance, miles…) Receipts collection Expenses Pre-accounting Expense request ✅ ✅ Budget Management 🔄 Q1 2024 ❔ Subscription Management 🔄 Q1 2024 ❔ Verification/validation workflows ❌ ✅ Expenses reimbursement ❌ ✅ Preparation ✅ ✅ Automation (supplier/expense accounts) 🔄 Q4 2023 ❔ ✅ ❌ Integration Agicap specificities Same interface Auto sync / categ in cash flow plan ✅ ❌ Cash Management Cash Forecasting Supplier Invoice Management Supplier payment Cash Collection ❌Cash Management ❌Cash Forecasting Supplier Invoice Management Supplier payment (Pivot Account only) ❌Cash Collection Price Free if >5k€ expenses Plans <100€ / month, additional price per holder Cashback Yes (on case-by-case basis) 0,5% for smaller package 1% for larger package Cannot exceed subscription plan Other solutions Pricing Customer size SMBs / Mid Market SMBs, Mid Market Countries France, Italy, Germany, Spain UK, FR, IR, DE, SE, ES, DK Main strenghts Main strenghts and/or objections Answer from Agicap PLEO gives 3 users for free and each further user costs around 10€ / month With Agicap you do not have to pay for extra users XXX XXX Killer arguments Generalist arguments (here): 1⃣ Cost Saving (if >5k€ monthly Spend) (Pleo average basket price is €250) 2⃣ Finance stack centralisation 3⃣ Enhanced Cash flow Management Specific arguments: 4⃣ Wallet: What is the minimum amount that is required on your Spendesk account? Ok, that’s a lot, it means you “lock” this amount on the Wallet while it could be used somewhere else. With Agicap you would have no need to lock a minimum amount, with direct debit you feed your wallet only with what is required. 5⃣ Cashback (For important spend amount only): On top of saving cost on Spendesk, Agicap would also give you money for using the Spend Management solution. Agicap vs Mooncard Features comparison Agicap Spend Account top-up Cards Account provider Swan Other features Auto top-up Q4 2023 Pre-accounting (Express top-up by cards with fees) Debit/Deferred/Credit Debit Debit Physical/Virtual ✅Physical/Virtual ✅ Physical/Virtual Other features Expenses Mooncard Premium cards with insurances and miles Receipts collection Email, in-app ✅ Expense request ✅ ✅ Budget Management 🔄 Q1 2024 ✅ Subscription Management 🔄 Q1 2024 ✅ Verification/validation workflows ❌ ✅ Expenses reimbursement ❌ ❌ Preparation ✅ ✅ Automation (supplier/expense accounts) 🔄 Q4 2023 ✅ Same interface ✅ ❌ Auto sync / categ in cash flow plan ✅ ❌ Cash Management Cash Forecasting Supplier Invoice Management Supplier payment Cash Collection ❌Cash Management ❌Cash Forecasting ❌Supplier Invoice Management ❌Supplier payment ❌Cash Collection Price Free if >5k€ expenses ~50€ then 10-20€ price per card, monthly Cashback Yes (on case-by-case basis) No but miles program Integration Agicap specificities Other solutions Pricing Customer size SMBs / Mid Market SMBs / Mid Market Countries FR, IT, DE, AT, ES FR, DE, IT, ES, NL, AT Main strengths Main strenghts and/or objections Answer from Agicap XXXX XXX XXX XXX Killer arguments Generalist arguments (here): 1⃣ Cost Saving (if >5k€ monthly Spend) (Mooncard generally charges 50€ + 10-20 € / card) 2⃣ Finance stack centralisation (Mooncard is only positioned on Spend) 3⃣ Enhanced Cash flow Management Specific arguments: to be added Agicap vs Payhawk Features comparison Agicap Spend Account top-up Cards Account provider Swan Other features Auto top-up Q4 2023 Payhawk Debit/Deferred/Credit Debit Credit (UK & US) & Debit (Others) Physical/Virtual ✅Physical/Virtual ✅ Physical/Virtual Receipts collection Email, in-app Email, in-app, mobile Expense request ✅ ✅ Other features (insurance, miles…) Budget Management 🔄 Q1 2024 ✅ Subscription Management 🔄 Q1 2024 ✅ Verification/validation workflows ❌ ✅ Expenses reimbursement ❌ ✅ Preparation ✅ ✅ Automation (supplier/expense accounts) 🔄 Q4 2023 ✅ Same interface ✅ ❌ Auto sync / categ in cash flow plan ✅ ❌ Cash Management Cash Forecasting Supplier Invoice Management Supplier payment Cash Collection ❌Cash Management ❌Cash Forecasting Supplier Invoice Management Supplier payment (Pivot Account only) ❌Cash Collection Price Free if >5k€ expenses Starting from 8€ per card / month Cashback Yes (on case-by-case basis) Only 1% on yearly plans Cannot exceed subscription plan Customer size SMBs / Mid Market Mid Market / Enterprise Countries FR, IT, DE, AT, ES US, UK, DE, ES, NL, BG Expenses Pre-accounting Integration Agicap specificities Other solutions Pricing Main strenghts Main strenghts and/or objections Answer from Agicap XXXX XXX XXX XXX Killer arguments Generalist arguments (here): 1⃣ Cost Saving (if >5k€ monthly Spend) (They have a low entry offer) 2⃣ Finance stack centralisation 3⃣ Enhanced Cash flow Management Specific arguments: Agicap vs Qonto Features comparison Account top-up Cards Agicap Spend Qonto Account provider Swan Own banking license Other features Auto top-up Q4 2023 Debit/Deferred/Credit Debit Debit Physical/Virtual ✅Physical/Virtual ✅Physical/Virtual Insurance on Premium cards Metal Card no fees in other currencies Other features (insurance, miles…) Receipts collection Expenses Pre-accounting Email, in-app Email, in-app, mobile Expense request ✅ ❌ Budget Management 🔄 Q1 2024 ✅ Subscription Management 🔄 Q1 2024 ❌ Verification/validation workflows ❌ ✅ Expenses reimbursement ❌ ❌ Preparation ✅ ✅ Automation (supplier/expense accounts) 🔄 Q4 2023 ?? Integration Small ERP mainly for small companies Same interface ✅ ❌ Auto sync / categ in cash flow plan ✅ ❌ Cash Management Cash Forecasting Supplier Invoice Management Supplier payment Cash Collection ❌Cash Management ❌Cash Forecasting Supplier Invoice Management Supplier payment (from Qonto account only) ❌Cash Collection Price Free if >5k€ expenses Plans 99€, 249€ and custom Cashback Yes (on case-by-case basis) ❌ Customer size SMBs / Mid Market VSBs / SMBs Countries France, Italy, Germany, Spain FR, IT, DE, ES Agicap specificities Other solutions Pricing Main strengths Main strenghts and/or objections Answer from Agicap Generally Qonto users have only 1 bank and are not super keen on opening another bank account with Agicap/Swan (If they have only Qonto as a bank it means this is a small company not really in Agicap target, if they are bigger then they have other accounts as well and it is not an issue any longer) XXX XXX Killer arguments Generalist arguments (here): 1⃣ Cost Saving (if >5k€ monthly Spend) 2⃣ Finance stack centralisation 3⃣ Enhanced Cash flow Management Specific arguments: to be added Traditional banks Account top-up Cards Features comparison Agicap Spend Traditional banks Account provider Swan Own banking license Other features Auto top-up Q4 2023 Debit/Deferred/Credit Debit Physical/Virtual ✅Physical/Virtual Other features (insurance, miles…) Expenses Pre-accounting Receipts collection Email, in-app ❌ Expense request ✅ ❌ Budget Management 🔄 Q1 2024 ❌ Subscription Management 🔄 Q1 2024 ❌ Verification/validation workflows ❌ ❌ Expenses reimbursement ❌ ❌ Preparation ✅ ❌ Automation (supplier/expense accounts) 🔄 Q4 2023 ❌ ? Same interface ✅ Auto sync / categ in cash flow plan ✅ ❌ Cash Management Cash Forecasting Supplier Invoice Management Supplier payment Cash Collection ❌Cash Management ❌Cash Forecasting ❌Supplier Invoice Management Supplier payment (through their cards) ❌Cash Collection Price Free if >5k€ expenses Depending on banks Cashback Other solutions Pricing ✅Mostly physical Depending on banks / cards’ types Integration Agicap specificities Debit/Deferred/Credit depending on offer ❌ Yes (on case-by-case basis) ❌ Customer size SMBs / Mid Market VSBs / SMBs / Mid-market Countries France, Italy, Germany, Spain All countries Main strengths Traditional banks Main strenghts and/or objections Answer from Agicap I use my corporate cards for everything You could improve the tracking of your expenses using several cards, with a dedicated purpose for each of them XXX XXX Traditional banks Killer arguments Generalist arguments (here): 1⃣ Cost Saving (if >5k€ monthly Spend) 2⃣ Finance stack centralisation 3⃣ Enhanced Cash flow Management Specific arguments: 1⃣ Better and easier monitoring, especially in terms of card limit 2⃣ Stronger facility to deactivate a card (or a card holder) if necessary 3⃣ Greater granularity of information at transaction level 4⃣ Leverage of a receipt collection and centralisation scheme 5⃣ Simplified exports for pre-accounting Agicap vs Pennylane Features comparison Account top-up Cards Agicap Spend Pennylane Account provider Swan Swan Other features Auto top-up Q4 2023 Debit/Deferred/Credit Debit Debit Physical/Virtual ✅Physical/Virtual ✅ Physical/Virtual Receipts collection Email, in-app Email, in-app Expense request ✅ ❌ Other features (insurance, miles…) Expenses Pre-accounting Budget Management 🔄 Q1 2024 ❌ Subscription Management 🔄 Q1 2024 ❌ Verification/validation workflows ❌ ❌ Expenses reimbursement ❌ ❌ Preparation ✅ ✅ Automation (supplier/expense accounts) 🔄 Q4 2023 ✅ Same interface ✅ ❌ Auto sync / categ in cash flow plan ✅ ❌ Cash Management Cash Forecasting Supplier Invoice Management Supplier payment Cash Collection Cash Management ❌Cash Forecasting Supplier Invoice Management Supplier payment (Pivot Account only) ❌Cash Collection Price Free if >5k€ expenses Generally 50-200€ monthly subscriptions Cashback Integration Agicap specificities Other solutions Pricing Yes (on case-by-case basis) ❌ Customer size SMBs / Mid Market VSBs / SMBs- Countries France, Italy, Germany, Spain France Main strengths Main strenghts and/or objections Answer from Agicap XXX XXX XXX XXX Killer arguments Generalist arguments (here): 1⃣ Cost Saving (if >5k€ monthly Spend) 2⃣ Finance stack centralisation 3⃣ Enhanced Cash flow Management Specific arguments: to be added Agicap vs Soldo Features comparison Agicap Spend Account top-up Cards Account provider Swan Other features Auto top-up Q4 2023 Soldo Debit/Deferred/Credit Debit Debit Physical/Virtual ✅Physical/Virtual ✅ Physical/Virtual Receipts collection Email, in-app Email, in-app, mobile Expense request ✅ ✅ Other features (insurance, miles…) Expenses Pre-accounting Budget Management 🔄 Q1 2024 ✅ Subscription Management 🔄 Q1 2024 ✅ Verification/validation workflows ❌ ✅ Expenses reimbursement ❌ ❌ Preparation ✅ ❌ Automation (supplier/expense accounts) 🔄 Q4 2023 ❌ Same interface ✅ ❌ Auto sync / categ in cash flow plan ✅ ❌ Cash Management Cash Forecasting Supplier Invoice Management Supplier payment Cash Collection ❌ Cash Management ❌ Cash Forecasting ❌Supplier Invoice Management ❌Supplier payment ❌ Cash Collection Price Free if >5k€ expenses €10 / user / month Cashback Integration Agicap specificities Other solutions Pricing Yes (on case-by-case basis) ❌ Customer size SMBs / Mid Market SMBs Countries France, Italy, Germany, Spain IT, UK Main strengths Main strenghts and/or objections Answer from Agicap Soldo integrates with various ERPs (Xero, Sage, Netsuite, Quickbooks, Exact Online) to send expenses data automatically With Agicap it’ll be a basic Export/Import to connect solutions, but we can also build for you a transformation matrix to simplify to its maximum such actions. Soldo has dedicated cards for paying fuel (carte carburante) (can only be used at petrol stations) Agicap does not offer cards dedicated to paying fuel, but if you define the right payment limit per driver and limit autorisations they can also be used for this use case. Therefore you could still control expenses, collect receipt, but you’d also avid driver having to pay from their pockets. Killer arguments Generalist arguments (here): 1⃣ Cost Saving (if >5k€ monthly Spend) 2⃣ Finance stack centralisation 3⃣ Enhanced Cash flow Management Specific arguments: to be added Agicap vs Moss Features comparison Agicap Spend Account top-up Cards Account provider Swan Other features Auto top-up Q4 2023 Moss Debit/Defered/Credit Debit Credit & Debit Physical/Virtual ✅Physical/Virtual ✅ Physical / Virtual Receipts collection Email, in-app Email, in-app, mobile Expense request ✅ ✅ Other features (insurance, miles…) Expenses Pre-accounting Budget Management 🔄 Q1 2024 ✅ Subscription Management 🔄 Q1 2024 ✅ Verification/validation workflows ❌ ✅ Expenses reimbursement ❌ ✅ Preparation ✅ ✅ Automation (supplier/expense accounts) 🔄 Q4 2023 ✅ Same interface ✅ ❌ Auto sync / categ in cash flow plan ✅ ❌ Cash Management Cash Forecasting Supplier Invoice Management Supplier payment Cash Collection ❌Cash Management ❌Cash Forecasting Supplier Invoice Management Supplier payment ❌Cash Collection Price Free if >5k€ expenses ~12€ per card? Cashback Integration Agicap specificities Other solutions Pricing Yes (on case-by-case basis) Sometimes, up to 1% Customer size SMBs / Mid Market SMBs / Mid Market Countries France, Italy, Germany, Spain DE Main strengths Main strenghts and/or objections Answer from Agicap Direct DATEV API XXX XXX XXX Killer arguments Generalist arguments (here): 1⃣ Cost Saving (if >5k€ monthly Spend) 2⃣ Finance stack centralisation 3⃣ Enhanced Cash flow Management Specific arguments: to be added 4⃣ International companies: "Only" active in DE, NL & UK. Therefore if Int'l Player we can map this better 5⃣ If Payment in the scope too: Moss offers only one XML/SEPA file available Agicap Payment Account (SWAN) & EBICS TS can score here Agicap vs Candis Features comparison Account top-up Cards Agicap Spend Candis Account provider Swan Other features Auto top-up Q4 2023 No bank account open as those are Credit Cards with a SEPA mandate from existing bank account Debit/Defered/Credit Debit Credit Physical/Virtual ✅Physical/Virtual ✅Physical/Virtual Email, in-app email, in-app, mobile Other features (insurance, miles…) Receipts collection Expense request ✅ ✅ Budget Management 🔄 Q1 2024 ✅ Subscription Management 🔄 Q1 2024 ❌ Verification/validation workflows ❌ ✅ Expenses reimbursement ❌ ❌ Preparation ✅ ✅ Automation (supplier/expense accounts) 🔄 Q4 2023 ✅ Same interface ✅ ❌ Auto sync / categ in cash flow plan ✅ ❌ Cash Management Cash Forecasting Supplier Invoice Management Supplier payment Cash Collection ❌Cash Management ❌Cash Forecasting Supplier Invoice Management ❌Supplier payment ❌Cash Collection Price Free if >5k€ expenses From 249€ for Spend/SIM/Payment Cashback Yes (on case-by-case basis) 0.5% if significant amount capped at the total license amount Customer size SMBs / Mid Market SMBs / Mid Market Countries France, Italy, Germany, Spain DE Expenses Pre-accounting Integration Agicap specificities Other solutions Pricing Main strengths Main strenghts and/or objections Answer from Agicap Candis has a direct DATEV API XXX XXX XXX Killer arguments Generalist arguments (here): 1⃣ Cost Saving (if >5k€ monthly Spend) 2⃣ Finance stack centralisation 3⃣ Enhanced Cash flow Management Specific arguments: to be added Agicap vs Finway Features comparison Account top-up Cards Agicap Spend Finway Account provider Swan Paynetics Other features Auto top-up Q4 2023 Debit/Deferred/Credit Debit Debit Physical/Virtual ✅Physical/Virtual ✅Physical/Virtual Receipts collection Email, in-app Email, in-app, mobile Expense request ✅ ✅ Other features (insurance, miles…) Expenses Pre-accounting Budget Management 🔄 Q1 2024 ✅ Subscription Management 🔄 Q1 2024 ✅ Verification/validation workflows ❌ ✅ Expenses reimbursement ❌ ✅ Preparation ✅ ✅ Automation (supplier/expense accounts) 🔄 Q4 2023 ✅ Same interface ✅ ❌ Auto sync / categ in cash flow plan ✅ ❌ Cash Management Cash Forecasting Supplier Invoice Management Supplier payment Cash Collection ❌Cash Management ❌Cash Forecasting Supplier Invoice Management Supplier payment ❌Cash Collection Price Free if >5k€ expenses From €199 Cashback Integration Agicap specificities Other solutions Pricing Yes (on case-by-case basis) ❌ Customer size SMBs / Mid Market SMBs / Mid Market Countries France, Italy, Germany, Spain DE Main strengths Main strenghts and/or objections Answer from Agicap XXXX XXX XXX XXX Killer arguments Generalist arguments (here): 1⃣ Cost Saving (if >5k€ monthly Spend) 2⃣ Finance stack centralisation 3⃣ Enhanced Cash flow Management Specific arguments: to be added Agicap vs Pliant Features comparison Account top-up Cards Agicap Spend Pliant Account provider Swan Other features Auto top-up Q4 2023 Credit cards that can be connected to existing bank account Debit/Defered/Credit Debit Credit Physical/Virtual ✅Physical/Virtual ✅Physical/Virtual Other features (insurance, miles…) Expenses Pre-accounting Some Visa infinite business cards with insurances Receipts collection Email, in-app email, in-app, mobile Expense request ✅ ✅ Budget Management 🔄 Q1 2024 ✅ Subscription Management 🔄 Q1 2024 ✅ Verification/validation workflows ❌ ✅ Expenses reimbursement ❌ ❌ Preparation ✅ ✅ Automation (supplier/expense accounts) 🔄 Q4 2023 ✅ Same interface ✅ ❌ Auto sync / categ in cash flow plan ✅ ❌ Cash Management Cash Forecasting Supplier Invoice Management Supplier payment Cash Collection ❌Cash Management ❌Cash Forecasting ❌Supplier Invoice Management ❌Supplier payment ❌Cash Collection Price Free if >5k€ expenses Depending on # of users Cashback Integration Agicap specificities Other solutions Pricing Yes (on case-by-case basis) Up to 1% Customer size SMBs / Mid Market SMBs / Mid Market Countries France, Italy, Germany, Spain DE, FR, IT, NL Main strengths Main strenghts and/or objections Answer from Agicap XXXX XXX XXX XXX Killer arguments Generalist arguments (here): 1⃣ Cost Saving (if >5k€ monthly Spend) 2⃣ Finance stack centralisation 3⃣ Enhanced Cash flow Management Specific arguments: to be added Agicap vs American Express Features comparison Account top-up Cards Agicap Spend American Express Account provider Swan Not needed, directly from own bank account Other features Auto top-up Q4 2023 Debit/Deferred/Credit Debit Physical/Virtual ✅Physical/Virtual Other features (insurance, miles…) Expenses Pre-accounting Credit & Deferred debit ✅Physical/Virtual credit cards up to 60 days deferred, insurances Receipts collection Email, in-app ❌ Expense request ✅ ✅ Budget Management 🔄 Q1 2024 ✅ Subscription Management 🔄 Q1 2024 ❌ Verification/validation workflows ❌ ✅ Expenses reimbursement ❌ ❌ Preparation ✅ ❌ Automation (supplier/expense accounts) 🔄 Q4 2023 ❌ Same interface ✅ ❌ Auto sync / categ in cash flow plan ✅ ❌ Cash Management Cash Forecasting Supplier Invoice Management Supplier payment Cash Collection ❌Cash Management ❌Cash Forecasting ❌Supplier Invoice Management ❌Supplier payment ❌Cash Collection Price Free if >5k€ expenses ~20-50€ per card per month Cashback Integration Agicap specificities Other solutions Pricing Yes (on case-by-case basis) 0.5% and Miles Customer size SMBs / Mid Market SMBs / Mid Market / Enterprise Countries France, Italy, Germany, Spain Everywhere Link offers description Main strengths Main strenghts and/or objections Answer from Agicap There are strong insurances with Amex cards, particularly useful when employees travel a lot XXX Credit cards with 60 days deferred is particularly useful to improve working capital requirements XXX We’re used to Miles program and rewards If high Spend amount, start discussing a cashback offer Killer arguments Generalist arguments (here): 1⃣ Cost Saving (if >5k€ monthly Spend) (Amex cards quite expensive, generally 20-50€ / card / month) 2⃣ Finance stack centralisation 3⃣ Enhanced Cash flow Management Specific arguments: 4⃣Receipts collection: I understand how Amex can be convenient, but you told me receipt collection is a challenge for you today, and this is not something that you’ll be able to deal with American Express, it looks like you’d be better off on this topic with a dedicated Spend Management and receipts collection solution. France - Deutschland - España - Italia - UK & Ireland Features comparison Agicap Spend Account top-up Cards Account provider Swan Other features Auto top-up Q4 2023 Debit/Defered/Credit Debit Physical/Virtual ✅Physical/Virtual Other features (insurance, miles…) Expenses Pre-accounting Receipts collection Email, in-app Expense request ✅ Budget Management 🔄 Q1 2024 Subscription Management 🔄 Q1 2024 Verification/validation workflows ❌ Expenses reimbursement ❌ Preparation ✅ Automation (supplier/expense accounts) 🔄 Q4 2023 Integration Agicap specificities Same interface Auto sync / categ in cash flow plan ✅ Cash Management Cash Forecasting Supplier Invoice Management Supplier payment Cash Collection Other solutions Pricing ✅ Price Free if >5k€ expenses Cashback Yes (on case-by-case basis) Customer size SMBs / Mid Market Countries France, Italy, Germany, Spain xxx