You want corporate cards and expense management in one platform, not a card with paid add-ons
You use Netvisor, Procountor, Fortnox, NetSuite, Microsoft Dynamics 365 Business Central, or another accounting system and want expenses to flow there via direct API
Your employees travel and you need automatic traktamente or Finnish per diem calculation
You want ReceiptHero — automatic digital receipts from the point of sale
You need Swedish representationsmoms handled automatically
You need virtual cards and subscription management for SaaS spend control
You prefer transparent fixed pricing over annual card fees plus per-card add-on fees
You want to be onboarded in 30 minutes, not weeks of bank paperwork
You're in Finland and want a provider actively investing in the market
Feature | Zevoy | Eurocard / AirPlus |
|---|---|---|
Corporate cards | ✅ Own Visa cards | ✅ Visa (SEB Group) |
Virtual cards | ✅ Instant | ⚠️ Separate products (Purchasing Account, Single Use Account) |
Subscription cards | ✅ Dedicated card per service | ❌ |
Receipt scanning (OCR) | ✅ In-app | ✅ Smart Receipts add-on (375 SEK/year per card) |
Automatic receipt matching | ✅ ReceiptHero (auto digital receipts) | ✅ Smart Receipts auto-matching |
Expense categorisation | ✅ AI-suggested | ⚠️ Limited |
VAT code mapping | ✅ Per category | ⚠️ Limited |
Accounting integrations | ✅ 27 systems (API + template) | ⚠️ Claims 50+ via Cardlay/Kleers connectors |
Nordic accounting depth | ✅ Direct API to Netvisor, Procountor, Fortnox, NetSuite, Microsoft Dynamics 365 Business Central + more | ❓ 50+ claimed — unclear if Nordic-specific systems have direct API |
Traktamente (Sweden) | ✅ Automatic per Skatteverket | ❌ |
Per diem (Finland) | ✅ Automatic calculation | ❌ |
Mileage claims | ✅ Built-in | ❌ |
Approval workflows | ✅ Multi-tier | ⚠️ Limited |
Expense claims | ✅ | ⚠️ Limited |
Real-time expense visibility | ✅ | ⚠️ Via Smart Receipts |
Representation VAT (Sweden) | ✅ Built-in | ❌ |
ReceiptHero | ✅ Auto digital receipts | ❌ |
Onboarding time | ✅ ~30 minutes | ⚠️ Bank-level KYC process |
Regulatory status | EMI authorised and regulated by FIN-FSA · ISO 27001 certified · Cards under license from Visa Europe | Bank-issued under SEB Kort Bank |
Pricing | From €10/cardholder/mo + add-ons (Subscription cards €2.50, Claims users €5). €10 minimum service fee. | Annual fee per card + Smart Receipts add-on charged separately per card (pricing on request) |
Eurocard's core product is a corporate card. Receipt management exists as a paid add-on — Smart Receipts is charged separately per card per year, delivered through integration partner Cardlay. Zevoy is a unified expense management platform where cards, receipt automation, travel claims, approval workflows, and accounting integrations are all part of one product. No add-on fees, no separate modules.
AirPlus (Eurocard's parent brand) claims 50+ accounting system integrations via Cardlay and Kleers connectors. These are likely generic ERP connectors — it's unclear how many offer direct API connections to Nordic systems like Netvisor, Procountor, or Fortnox, or to global ERPs like NetSuite and Microsoft Dynamics 365 Business Central. Zevoy has verified direct API integrations with all major Nordic accounting systems, including 12+ Finnish-specific platforms.
Zevoy calculates Swedish traktamente according to Skatteverket rules and Finnish per diem (päivärahat) automatically. Mileage claims (kilometrikorvaukset / milersättning) for both countries are built in. Over 2,000 organisations across Northern Europe use Zevoy. AirPlus/Eurocard offers none of this — travel expenses require a separate system or spreadsheet.
Is AirPlus (Eurocard) cheaper than Zevoy?
AirPlus charges an annual fee per card. Smart Receipts — their receipt management add-on — costs an additional per-card annual fee. Exact pricing is available on request at airplus.com. Zevoy uses fixed monthly pricing that includes cards, expense management, and accounting integrations. For companies that need more than just a payment card, Zevoy's all-inclusive pricing is often more cost-effective.
Can I switch from Eurocard to Zevoy?
Yes. Zevoy's onboarding takes about 30 minutes with our Customer Success team. Virtual cards are available instantly, and physical cards arrive in 5–7 business days. You can run both systems in parallel during the transition.
Does Zevoy work with Fortnox?
Yes. Zevoy has a direct API integration with Fortnox. Expenses, receipts, VAT codes, and cost centres sync automatically.
Does Eurocard have expense management?
Eurocard offers Smart Receipts — a receipt capture and OCR add-on built through integration partner Cardlay, priced at 375 SEK/year per card. It handles receipt scanning and auto-matching to transactions. However, it's an add-on to a card product, not a full expense management platform. Travel claims, per diem, mileage, representationsmoms, and deep Nordic accounting integrations are not part of the offering.
What is AirPlus? Is it the same as Eurocard?
AirPlus is the new name for Eurocard's corporate payment solutions. SEB Group merged two brands — Eurocard and AirPlus — under the single AirPlus name from September 2025. The card issuer is still SEB Kort Bank, and agreements and pricing remain unchanged. Corporate cards are now at airplus.com. Personal Eurocard products continue separately.
Eurocard is now AirPlus. SEB Group merged its two corporate payment brands under the AirPlus name from September 2025 — same card issuer (SEB Kort Bank), new name. Zevoy gives you corporate cards, expense management, travel claims, and direct Nordic accounting integrations — all in one platform. Here's how they compare.
Zevoy Aktiebolag
Södra Esplanaden 24 A
00130 Helsingfors
Finland
FO-nummer: 3147751-4
Zevoy är ett fintech-företag grundat 2020. Zevoy Aktiebolag är ett finskt e-pengainstitut reglerad och auktoriserad av Finlands Finansinspektion. Företagskorten utfärdas av Zevoy Aktiebolag under en Visa Europe Limited-licens. Vårt huvudkontor ligger i Helsingfors, Finland, och utöver vår hemmamarknad betjänar vi även Sverige, Norge, Danmark, Tyskland, Frankrike, Belgien, Nederländerna, Spanien, Portugal, Estland, Litauen och Lettland.