Expense tools for 120 people — recommendation
Produced by: Run EXAMPLE-CV-01 - vendor pages read-only - sheet and memo on the ticket - demo values, not a live quote
- Recommendation
- Ledgerline. 36-month total cost USD 66,424 for 120 seats, which is 15.38 per seat per month, scoring 4.10 with 1.00 of 1.00 of the weight answered. Demo note: the vendor names and every figure below are demo values, not a live quote.
- Why this one
- Cheapest fully priced option over three years: USD 66,424 against Outlay's USD 94,920, a USD 28,496 difference [1][3]. Meets the one hard requirement: the card programme stays, because the card is optional and third-party card feeds are listed [1]. Highest price score in the set (5) with no loss on fit (4) [1][2].
- Runner-up, and what would change the answer
- Outlay, 4.05 of 1.00 answered. It scores higher on security (5 against 4) because it publishes EU data residency as a selectable region [3]; Ledgerline processes in the US only [1]. Data residency is a weighted criterion here and not a hard requirement, because nothing in the ticket makes it one. **If residency became a hard requirement, Ledgerline would be disqualified and Outlay would win.** That is the one condition that flips this decision.
- Price math
- Licence (term), Implementation, Training, Support, Integration and Exit / migration as separate rows per vendor, then one total. Ledgerline adds up to USD 66,424 and Outlay to USD 94,920 — a USD 28,496 difference over the term, or 15.38 against 21.97 per seat per month. The addition is printed in each row, and a bar chart of the two totals sits under the table. Only a vendor whose every component is published gets a bar: there is no way to draw a floor.
- What this cannot tell you about cost
- The section a buyer did not ask for. Every figure above is a published list figure read on 2026-09-11, and none of it is a quote: no discount, no negotiated rate, no volume tier below the published bands, no tax, and nothing converted between currencies. An enterprise rarely pays a published price. So this memo can rank what these vendors publish, and it cannot tell you what you will be charged.
- Disqualified
- Fernbank Spend fails the one hard requirement, "Keep the existing corporate card programme" — The published plan requires all spend on Fernbank's own card and lists no third-party card feed. It has no rank and no score, because a must-have is a gate rather than a heavily weighted row, and a gate that a good score elsewhere can outweigh is not a gate. Separately, Tessellate Expense is set aside for lack of published information rather than ruled out: only 0.55 of 1.00 of the weight has an answer behind it, below the 0.60 needed to be ranked at all.
- What we could not find out
- 2 criteria that no page read answers, listed as questions to put to the vendor rather than as scores. This is the part of the sheet that is still actionable. Tessellate Expense is the reason it exists: its published licence works out at 9.00 per seat per month, the lowest figure on the page, so on a sheet that counted blanks as zeroes it would have won. 5 of its 6 cost components are not published, so that total is a floor and it holds no rank.
- Assumptions
- 120 seats, 36 months, USD, weights security 0.30, fit 0.30, price 0.25, support 0.15, and the 0-5 anchors as printed on the sheet. It ends with the sentence that says the totals were re-added in ordinary code from the components in each row, and that the re-check passed.
- Sources
- 6 sources, one line each: the label, the address, and the date it was read. Every figure and every score on the sheet carries a marker resolving to one of them, and a figure with no marker is refused before anything is published.