Your company uses a Finnish accounting system beyond Procountor or Netvisor (Fennoa, Heeros, Fivaldi, Lemonsoft, Visma L7, or others)
You need verified Finnish per diem (päivärahat) with automatic rate calculation, trip legs, and meal deductions
You want ReceiptHero and Kwick Receipts auto-receipts to eliminate manual receipt capture
Your compliance or audit team requires a named, DPA-documented supplier chain for all receipt data
You want subscription cards available on all plans — not gated behind a plan upgrade
You need dedicated subscription cards with transparent per-card pricing (€2.50/card/month)
Your team has a mix of cardholders and claims-only users and you want pricing that reflects the difference
Your accounting agency works with niche Finnish accounting software that Mynt supports via CSV/SIE rather than natively
You operate across Finland and Sweden and need both päivärahat and traktamente in one platform
You want 30-minute guided onboarding with full accounting mapping rather than a quick self-serve signup
Feature | Zevoy | Mynt |
|---|---|---|
Corporate cards | ✅ Own Visa cards (physical + virtual) | ✅ Own Visa cards |
Subscription cards | ✅ Available to all customers regardless of plan. Priced transparently as their own product line (€2.50/card/month) | ⚠️ Only on Premium and Enterprise plans (from SEK 49/user/month). Not available on the Essential plan |
Receipt scanning (OCR) | ✅ | ✅ |
Automatic digital receipt delivery | ✅ Via ReceiptHero (Finland) and Kwick Receipts (Sweden) — the named Nordic industry networks for digital receipts. The technical subprocessor is named in Zevoy's public Data Processing Agreement (zevoy.com/docs/data-processing-agreement). Zero user action required | ⚠️ Mynt states that receipts are fetched "from thousands of merchants" |
Per diem (Finland — päivärahat) | ✅ Automatic rate calculation, multi-leg trips, meal deductions, part-day rules | ⚠️ Advertised, detail level not public |
Per diem (Sweden — traktamente) | ✅ Skatteverket rules built-in | ✅ |
Mileage claims (Finland + Sweden) | ✅ Auto-calculated | ✅ Automatic calculation |
Netvisor integration | ✅ Direct API | ✅ Direct API |
Procountor integration | ✅ Direct API | ✅ Direct API |
Fortnox integration | ✅ Direct API | ✅ Direct API |
Business Central integration | ✅ Direct API (Azure AD OAuth2, dedicated ZEVOY journal, dimension set lines) | ✅ Direct API |
NetSuite integration | ✅ Direct API (Journal Entry or Expense Report, 5 tag dimensions, closed-period auto-retry) | ⚠️ Supported via CSV/SIE file export (per Mynt, Apr 2026) |
Fennoa support | ✅ Dedicated template | ⚠️ Via CSV/SIE file export (per Mynt, Apr 2026) |
Heeros support | ✅ Dedicated template | ⚠️ Via CSV/SIE file export (per Mynt, Apr 2026) |
Fivaldi support | ✅ Dedicated template | ⚠️ Via CSV/SIE file export (per Mynt, Apr 2026) |
Lemonsoft support | ✅ Dedicated template | ⚠️ Via CSV/SIE file export (per Mynt, Apr 2026) |
Visma L7 support | ✅ Dedicated template | ⚠️ Via CSV/SIE file export (per Mynt, Apr 2026) |
Total accounting systems | 27 (mix of direct API and dedicated export templates) | ~12 direct API + CSV/SIE for the rest |
Swedish representation VAT | ✅ Built-in with internal/external distinction, participant tracking, automatic posting calculations | ✅ Supported |
Real-time card-to-accounting | ✅ Direct API posting within minutes for all API integrations | ⚠️ Real-time for direct-API integrations; batch for CSV/SIE integrations by definition |
Regulatory status | EMI authorised and regulated by FIN-FSA · ISO 27001 certified · Cards under license from Visa Europe | EMI authorised under own license |
Pricing | From €10/cardholder/month + add-ons (Subscription cards €2.50, Claims users €5). €10 minimum service fee. Published transparently at zevoy.com/pricing. | Fixed monthly pricing by number of users, published on Mynt's site |
Onboarding | 30-minute guided onboarding with full accounting mapping, VAT code configuration, and tag setup | ~13-minute self-serve signup (deeper configuration happens during early use) |
Mynt and Zevoy both cover the major Nordic accounting platforms with direct API connections: Fortnox, Business Central, Procountor, and Netvisor are real-time on both sides. Where the two products diverge is what happens once you step outside that core four. Mynt confirmed in April 2026 that NetSuite, Fennoa, Heeros, Fivaldi, Lemonsoft, and Visma L7 are supported via CSV/SIE file export rather than direct API — a useful clarification, because the difference between "supported" and "supported natively" determines whether your month-end is a click or a file-handling workflow.
Zevoy's approach to these systems is dedicated export templates maintained per platform, not a generic CSV/SIE fallback. For NetSuite specifically, Zevoy has a full direct API integration with Journal Entry or Expense Report output, five tag dimensions mapped automatically, and auto-retry on closed posting periods. That's 27 accounting systems in total, covering the Finnish niche layer that Mynt addresses through file exports.
Zevoy's Finnish per diem module handles automatic rate calculation per Finnish tax authority rules, multi-country trip legs with per-leg rates, meal deductions, and part-day calculations. This is not a bolt-on feature — it's built into the expense workflow. For companies with travelling employees, per diem compliance is a daily operational need, not a nice-to-have. Mynt advertises automatic per diem calculations, but the depth of Finnish-specific features (multi-leg trips, meal deductions, part-day rules) is not detailed on their site.
Both platforms offer automatic digital receipts via OCR — that's table stakes in 2026. Zevoy goes further by being a member of ReceiptHero (Finland) and Kwick Receipts (Sweden), the named Nordic digital receipt infrastructures shared by merchants and financial providers. When a Zevoy cardholder pays at a participating merchant, the itemised digital receipt attaches to the expense automatically, with no photo, no upload, and no user action. That's the difference between "OCR can read the receipt once you remember to take a picture" and "the receipt is already attached before the employee has put their phone away." Zevoy lists the receipt infrastructure's technical subprocessor in its public Data Processing Agreement. Mynt states that receipts are fetched "from thousands of merchants".
How does Zevoy compare to Mynt on accounting integrations?
Both platforms offer direct API integrations to Fortnox, Business Central, Procountor, and Netvisor. Mynt confirmed in April 2026 that NetSuite, Fennoa, Heeros, Fivaldi, Lemonsoft, and Visma L7 are supported via CSV/SIE file export. Zevoy handles these same six systems differently: NetSuite is a full direct API integration, and Fennoa/Heeros/Fivaldi/Lemonsoft/Visma L7 are supported through dedicated export templates maintained per platform. For teams where the month-end cycle runs through one of those six systems, the difference between a file export and a dedicated integration is the difference between a manual import step and an automatic one.
Does Mynt offer subscription cards?
Yes, but only on Premium and Enterprise plans (from SEK 49/user/month). The feature is not available to customers on the Essential plan. Zevoy offers subscription cards to all customers regardless of plan, priced transparently as their own product line (€2.50/card/month).
Does Mynt support Finnish per diem (päivärahat)?
Mynt advertises automatic per diem and mileage calculations in its product. Zevoy's Finnish per diem module covers automatic rate calculation, multi-country trip legs with per-leg rates, meal deductions, and part-day rules — all built into the expense workflow. The depth of Mynt's Finnish-specific per diem handling (multi-leg trips, meal deductions, part-day rules) is not detailed publicly on their site.
How does Zevoy's digital receipt handling differ from Mynt's?
Zevoy publishes full data-processing transparency: ReceiptHero (Finland) and Kwick Receipts (Sweden) are the named industry networks for digital receipts, and the technical subprocessor handling receipt data is listed in Zevoy's public Data Processing Agreement at zevoy.com/docs/data-processing-agreement. Mynt states that digital receipts are fetched "from thousands of merchants". For teams with DPA or compliance requirements, a named, verifiable supplier chain is practically relevant.
Is Zevoy's pricing different from Mynt's?
Both companies publish their pricing. Zevoy prices per cardholder (from €10/month) with add-ons for subscription cards (€2.50) and active claims users (€5), plus a €10 minimum service fee. Mynt prices by number of users as a fixed monthly fee. Which works out cheaper depends on your team's card mix: teams where only a subset carry cards and the rest just submit occasional claims will typically pay less with Zevoy's modular structure, while teams where every employee carries a card may find a per-user model simpler.
Both Zevoy and Mynt offer corporate Visa cards and expense management for Nordic companies. But when it comes to accounting integration depth, Finnish compliance features, and pricing transparency, the differences are significant. 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.