You want corporate cards and expense management in one platform, not two separate vendors
You need real-time card data in your accounting system, not SFTP batch files
Your company uses Finnish accounting systems like Netvisor, Procountor, Talenom, Fennoa, or Heeros
You need Finnish per diem (päivärahat) with automatic rate calculation
You want ReceiptHero automatic digital receipts
You're an SME that needs fast onboarding, not an enterprise implementation project
You want fixed monthly pricing without tiered plan complexity
You prefer a platform that issues its own cards rather than depending on a separate card provider
Feature | Zevoy | Acubiz |
|---|---|---|
Own corporate cards | ✅ Visa cards (physical + virtual) | ❌ Requires separate card provider |
Subscription cards | ✅ Dedicated virtual card per service | ❌ |
Receipt scanning (OCR) | ✅ | ✅ |
ReceiptHero auto-receipts | ✅ | ❌ |
Card data sync | ✅ Real-time API | ⚠️ Batch file transfer |
Per diem (Finland) | ✅ Automatic rate calculation | ⚠️ Available but Danish-market focus |
Mileage claims (Finland) | ✅ Auto-calculated | ✅ |
Netvisor integration | ✅ Direct API | ❌ |
Procountor integration | ✅ Direct API | ⚠️ Via Finago/Procountor |
Talenom support | ✅ Dedicated template | ❌ |
Fennoa support | ✅ Dedicated template | ❌ |
Heeros support | ✅ Dedicated template | ❌ |
Fivaldi support | ✅ Dedicated template | ❌ |
Lemonsoft support | ✅ Dedicated template | ❌ |
Business Central integration | ✅ Direct API | ✅ Via Innofactor |
Total accounting systems | 27 | ~10 (e-conomic, Uniconta, Dynamics 365, Dinero, Billy, Fortnox, Exact, Finago/Procountor, etc.) |
Approval workflows | ✅ Multi-tier | ✅ |
Onboarding time | 30 minutes | Enterprise implementation cycle |
Pricing | Fixed monthly | Tiered plans |
Acubiz doesn't issue its own corporate cards. You need a separate card provider, which means separate contracts, separate billing, and a card data integration that relies on batch file transfers. Zevoy issues its own Visa cards — physical, virtual, and subscription cards — all managed inside the same platform where your expenses live.
When you pay with a Zevoy card, the transaction appears in your accounting system via API in real time. Acubiz receives card data through batch file transfers from your card provider, which can mean delays between the transaction and the data appearing in the system. That delay slows down reconciliation and gives finance teams an incomplete picture of current spend.
Zevoy supports 27 accounting systems including Finnish-specific platforms like Netvisor, Procountor, Talenom, Fennoa, Heeros, Fivaldi, Lemonsoft, and Visma L7. Acubiz has around 10 accounting integrations — including e-conomic, Uniconta, Dynamics 365, Dinero, Billy, Fortnox, Exact, and Finago/Procountor — but lacks support for Finnish niche systems like Talenom, Fennoa, Heeros, Fivaldi, Lemonsoft, and Visma L7.
Does Acubiz offer its own corporate cards?
No. Acubiz is an expense management platform that partners with external card providers. You need to arrange corporate cards separately and connect the card data via batch file transfer. Zevoy issues its own Visa cards — physical, virtual, and subscription cards — directly from the platform.
How does Acubiz get card transaction data?
Acubiz receives card data through batch file transfers from your card provider, which can result in delays between the transaction and the data appearing in the system. Zevoy processes card transactions via real-time API.
Does Acubiz integrate with Finnish accounting systems?
Acubiz has around 10 accounting integrations including e-conomic, Uniconta, Dynamics 365, Dinero, Billy, Fortnox, Exact, and Finago/Procountor. However, it does not have integrations with Netvisor, Talenom, Fennoa, Heeros, Fivaldi, Lemonsoft, or Visma L7. Zevoy supports all of these plus 20 more accounting systems.
Is Acubiz available in Finland?
Yes. About 15% of Acubiz's customers are in Finland, primarily through its Innofactor partnership which focuses on Microsoft Dynamics / Business Central implementations. However, its Finnish accounting system coverage is limited.
Can I switch from Acubiz to Zevoy?
Yes. Zevoy's onboarding takes about 30 minutes. The main work is configuring your accounting integration and expense categories. Zevoy's team handles the setup with you.
Acubiz (now part of Visma) offers expense management for Nordic enterprises. Zevoy combines corporate cards and expense management in one platform with real-time accounting integrations. Here's how they compare.
Zevoy Aktiebolag
Eteläesplanadi 24 A
00130 Helsinki
Finland
Business ID: 3147751-4
Zevoy is a fintech company founded in 2020. Zevoy Aktiebolag is a Finnish electronic money institution regulated and authorized by the Finnish Financial Supervisory Authority. The company cards are issued by Zevoy Aktiebolag under a license from Visa Europe Limited. Our HQ is in Helsinki, Finland and in addition to our home market we also serve Sweden, Norway, Denmark, Germany, France, Belgium, The Netherlands, Spain, Portugal, Estonia, Lithuania and Latvia.