# Perk (formerly TravelPerk) — Expense Management

Perk (formerly TravelPerk) by Perk Platform SLU holds a panel rating of 3/5 from 6 AI judges (category median 3/5), as of 2026-10-29. Provenance: EU-Made; sovereignty: not determined.

- Vendor: Perk Platform SLU (https://www.perk.com)
- Category: [Expense Management](https://whats-best.ai/software/expense-management.md)
- Provenance (editorial classification): EU-Made
- Canonical page: https://whats-best.ai/software/expense-management/perk
- Alternatives: https://whats-best.ai/software/expense-management/perk/alternatives ([markdown](https://whats-best.ai/software/expense-management/perk/alternatives.md))
- Data as of: 2026-11-04 · evaluated 2026-10-29 · oldest source captured 2026-10-28

**AI-generated.** Every score, rationale and verdict here is written by a panel of AI judges from public evidence — an analysis, not a hands-on test. Every fact quotes the vendor page it was read from. No score can be bought. How scores are made: https://whats-best.ai/methodology

## At a glance

- Vendor: Perk Platform SLU
- Headquarters: Not stated on the vendor’s pages as of 28 Oct 2026
- Data hosting: Default not stated; pages mention Ireland [S9]
- Free plan: Not stated on the vendor’s pages as of 28 Oct 2026

## The panel's verdict

Perk, formerly TravelPerk, is the travel and expense platform of Perk Platform SLU in Barcelona. Cards and spend control is strongest at 7-8: instant virtual and one-time cards with limits by department, team or individual, automated fraud detection, a named EEA issuer — Transact Payments Malta Limited, regulated by the Malta Financial Services Authority — and live feeds from existing Visa, Mastercard and Amex programs with automatic receipt matching. Reimbursement and VAT scores cluster at 6, pairing deep foreign VAT reclaim tooling with no public information on statutory German per diems or SEPA payout files. Receipt capture and accounting export score weakest: the pages do not say which fields AI extraction reads, and DATEV appears only in a guide article on the vendor's site. Pricing transparency publishes Premium and Pro starting at $6 and $8 per month per active user plus 3% per booking, while the Starter tier, implementation fee and booking-fee limits are not published. Sovereignty spans 6-8, with named EU hosting beside US-stored AmTrav data, unstated ownership and a partial subprocessor list; flagged splits flagged none.

**Speaks for it:**
- Cards and spend control scores 7-8, with instant virtual and one-time cards, spend limits by department, team or individual, and automated fraud detection.
- The EEA issuer is named and regulated — Transact Payments Malta Limited under the Malta Financial Services Authority, registration C 91879.
- Existing Visa, Mastercard and Amex card programs feed the same expense workflow, with transactions matched to receipts automatically.
- Foreign VAT reclaim runs deep, with seller-of-record invoicing, a hotel invoice collection service, UK hotel billback and reclaim partnership options.
- Hosting sits on named EU regions — AWS in Ireland and Germany, Google Cloud in Switzerland, Belgium, Germany and Ireland — with a built-in data processing addendum and ISO 27001 plus SOC 2 Type II statements.

**Held against it:**
- Receipt capture scores 5-7, with no public information on which fields AI extraction reads, receipts forwarded by email, or a GoBD-compliant scanning statement.
- Accounting export scores 5-6: DATEV is named only in a guide article on the vendor's own site, with no public information on receipt images travelling into the accounting system.
- Approval and policy carries no public information on deputies, escalation, or an exportable audit trail of who approved and changed what.
- Public pricing stops at two tiers: the Starter price, implementation fee amount, booking-fee minimums and maximums, minimum term and VAT treatment are not published.
- Ownership is not stated, the subprocessor list is partial, AmTrav-powered data is stored in the United States, and the captured pages give different figures for cloud storage location.

**Best for:**
- You issue EEA corporate cards and want a named, Malta-regulated issuer beside your existing Visa, Mastercard and Amex programs.
- You reclaim foreign VAT on business travel and want seller-of-record invoicing, hotel invoice collection and partnership-based filing.
- You reimburse out-of-pocket spend through ACH and pay US per diems at full GSA rates, both stated on the pricing pages.
- You keep books on QuickBooks or Xero and need a fully formatted spend export file with tiered ERP connectors.

**Avoid if:**
- You close the books in Germany and need statutory per diems, meal deductions and DATEV booking proposals with account and tax key.
- You enforce approval before a card is charged, or limits by merchant category — the pages give no public information on either.
- You plan to discard paper originals relying on a certified, GoBD-compliant scanning procedure, on which we found no public information.
- You must compute a full annual cost from public pages — the Starter tier, implementation fee and add-ons are unpriced.

## Scores by judge and criterion

Scores out of 5, each judge scoring independently against the published rubric (v1). "n/r" = not rated: the vendor publishes no price, or the judge found no public information on that criterion.

| Criterion | The Travelling Employee | The Office Manager | The Controller | The Finance Lead | The Tax Adviser | The Skeptic |
| --- | --- | --- | --- | --- | --- | --- |
| Receipt capture & expense claims | 3.5/5 | 3/5 | 3/5 | 3/5 | 3/5 | 2.5/5 |
| Company cards & spend control | 4/5 | 3.5/5 | 3.5/5 | 3.5/5 | 3.5/5 | 3.5/5 |
| Approval workflows & expense policy | 3.5/5 | 3/5 | 3/5 | 3.5/5 | 3.5/5 | 3/5 |
| Reimbursement, travel allowances & VAT | 3/5 | 3/5 | 3/5 | 3/5 | 3/5 | 3/5 |
| Accounting handoff & DATEV | 3/5 | 3/5 | 2.5/5 | 3/5 | 2.5/5 | 2.5/5 |
| European sovereignty | 3.5/5 | 3.5/5 | 4/5 | 3/5 | 3.5/5 | 3.5/5 |
| Pricing transparency | 3/5 | 3/5 | 2.5/5 | 3/5 | 3/5 | 3/5 |
| **Weighted verdict** | **3.5/5** | **3/5** | **3/5** | **3/5** | **3/5** | **3/5** |

### The judges

- **The Travelling Employee** (v1.0): A sales engineer on the road three days a week, with hotel bills in three currencies and a glovebox full of parking tickets. Wants to photograph a receipt and be done, mileage and per diems worked out without a spreadsheet, a company card so private money is never spent, and the money back on the account within days rather than at the end of the quarter.
- **The Office Manager** (v1.0): Runs the office of a thirty-person agency and is the one who chases missing receipts every month. Wants a card for each project lead with a limit she sets, software subscriptions on their own virtual cards, receipts that arrive without reminders, an export the tax adviser accepts, and a monthly price she can work out before the trial ends.
- **The Controller** (v1.0): Owns the travel and expense policy of a manufacturer with four legal entities and twelve hundred staff. Wants approval chains by cost centre and amount, limits checked before a claim is submitted rather than after it is paid, duplicates and private spending caught, budgets that cards draw from, and an audit trail that shows who approved and changed what.
- **The Finance Lead** (v1.0): Closes the month for a hundred-and-fifty-person Mittelstand company and books card spend from three banks. Wants card statements that reconcile by themselves, booking proposals with account, tax key and cost centre, receipts that reach DATEV with the booking, reimbursements paid in one SEPA run, and nothing that has to be retyped.
- **The Tax Adviser** (v1.0): A Steuerberaterin whose clients send their expenses from five different tools. Wants per diems and mileage at the statutory rates, the input VAT read from a receipt that actually qualifies for the deduction, substitute receipts only where the law allows them, scanned originals archived GoBD-compliant, and bookings that arrive in DATEV with the receipt image attached.
- **The Skeptic** (v1.0): Has seen "no more expense reports" turn into a card programme with a currency fee on every hotel abroad and a per-user price that counts everyone who ever logged in. Reads "DATEV integration" that means a CSV, "AI receipt scanning" with no word on where the receipts are read, card terms that leave the issuer unnamed, and subprocessor lists that stop at the hosting provider — and asks what leaving would cost.

## European sovereignty — proven facts

Built only from facts on the vendor's own pages; a dimension we could not prove is left open, never scored as zero. Headline: not determined.

| Dimension | Finding | Points | Source |
|---|---|---|---|
| Legal entity | Not determined | — | — |
| Hosting location | Not determined | — | — |
| Hosting options | Not determined | — | — |
| Open source | Not determined | — | — |
| Data processing agreement | Not determined | — | — |
| Transfer impact assessment | Not determined | — | — |

## Key facts

Each fact is the vendor's own statement, cited to the source page it was read from ([S*n*] → Sources).

**Compliance**
- Card issuer eea: Visa Europe Limited · Transact Payments Limited · Transact Payments Malta Limited [S5]
- Card issuer ewa: Cards for EEA citizens issued by Transact Payments Malta Limited, regulated by Malta Financial Services Authority, registration no. C 91879 [S12]
- Card issuer regulation: Gibraltar Financial Service Commission · Malta Financial Services Authority · C 91879 [S11]
- Card issuer regulation: Malta Financial Services Authority · C 91879 [S16]
- Card issuer regulation: Gibraltar Financial Service Commission · Malta Financial Services Authority (registration C 91879) [S17]
- Card issuer regulation: Gibraltar Financial Service Commission · Malta Financial Services Authority · C 91879 [S19]
- Card issuer UK: Cards for UK citizens issued by Transact Payments Limited, regulated by Gibraltar Financial Service Commission [S12]
- Card issuers eea: Visa Europe Limited · Transact Payments Limited · Transact Payments Malta Limited [S16]
- Cashback terms: cashback percentage adjusted regularly; Visa interchange rates used [S13]
- CCPA: compliant [S10]
- Cctv retention: 1 [S7]
- Certifications: yes · yes · yes · yes [S13]
- Ciis membership: Chartered Institute of Information Security (CIIS) · yes [S9]
- Contractual retention: 6 [S7]
- Cyber essentials: yes · yes [S10]
- DPA available: yes · yes [S8]
- DPA scope: DPA covers data processed per module, security, breach notification, sub-processors, audit rights, international transfers, region-specific terms [S8]
- Encryption: yes [S3]
- Encryption: device-to-Perk and in cloud · 256-bit AES [S13]
- GDPR: compliant [S10]
- GDPR program: yes [S9]
- Hotel VAT france: no [S4]
- ISMS policies: ISMS policies aligned with ISO 27001, SOC Type 2 and cyber essentials [S9]

**Data**
- US state rights: yes · yes · yes · yes · yes [S7]
- User rights: yes · yes · yes · yes · yes · yes · yes · yes · yes [S7]

**Hosting**
- Amtrav data centres: United States · AWS [S10]
- Aws locations: Amazon Web Services · Ireland (EEA/EU) · Frankfurt, Germany (EEA/EU) · USA [S7]
- Card issuer eea: EEA cards issued by Transact Payments Malta Limited (Malta FS Authority, registration C 91879) [S2]
- Card issuer UK: UK cards issued by Transact Payments Limited, regulated by Gibraltar Financial Service Commission [S2]
- Card issuers: Transact Payments Limited · Transact Payments Malta Limited · Visa Europe Limited [S3]
- Cards issuers: Visa Europe Limited · Transact Payments Limited · Transact Payments Malta Limited [S4]
- Cards issuers: Visa Europe Limited · Transact Payments Limited · Transact Payments Malta Limited [S11]
- Clicktravel data centres: Ireland · Germany · AWS [S10]
- Data centres travel: Travel, Spend, Pay · Ireland · Germany · Switzerland · Belgium · Germany · Ireland [S10]
- Data residency: EU only · Frankfurt · St. Ghislaine, Belgium [S13]
- Eea transfer safeguards: yes · yes · yes [S7]
- Office locations: Barcelona · Berlin · London · Birmingham · Edinburgh · Zurich · Vienna · Amsterdam · Dublin · Chicago · Boston · Miami · Los Angeles [S7]
- Provider region: Ireland · AWS · ISO 27001 · SOC2 [S9]

**Integrations**
- API: yes [S3]
- API: integration with enterprise systems · yes [S13]
- Approvers API endpoint: urn:ietf:params:scim:schemas:extension:travelperk:2.0:User:approvers · PATCH · /Users/{user_id} [S15]
- Auto transaction matching: Automatic expense creation and receipt matching without changing existing cards or banks [S2]
- Bamboohr sync: once a day [S16]
- Business travel management: yes [S11]
- Cards visa mastercard amex: Perk Cards plus Visa, Mastercard and Amex card program integration [S2]
- Cost centers API: yes [S20]
- Count: 50 [S3]
- Count: 50 [S13]
- Developer docs: yes [S1]
- Developer docs: yes [S14]
- Developer docs: yes [S19]
- Developer tools: yes [S5]
- Erp hrm: SAP R3/S4 · Successfactors [S3]
- Erp hrm: SAP R3/S4 · SuccessFactors [S13]
- Erp systems: SAP · Oracle [S16]
- Expense apps: yes [S4]
- HR systems: Workday · BambooHR [S16]
- In house option: yes · yes [S19]
- Marketplace terms: yes [S20]
- One click platforms: one-click integration · Pleo · Spendesk · Circula [S19]
- Postman: yes [S20]

**Legal**
- Agreement structure: One agreement via Order Form or online acceptance, supplemented by multiple documents [S8]
- Card issuer: Visa Europe Limited · Transact Payments Limited · Transact Payments Malta Limited [S1]
- Card issuer: Visa Europe Limited · Transact Payments Limited · Transact Payments Malta Limited [S13]
- Card issuer: Transact Payments Limited · Transact Payments Malta Limited [S18]
- Card issuer eea: EEA citizens · Transact Payments Malta Limited [S14]
- Card issuer regulation: Gibraltar Financial Service Commission · Malta Financial Services Authority · C 91879 [S1]
- Card issuer regulation: Gibraltar Financial Service Commission · Malta Financial Services Authority · C 91879 [S4]
- Card issuer regulators: Gibraltar Financial Service Commission · Malta Financial Services Authority · C 91879 [S9]
- Card issuer UK: UK citizens · Transact Payments Limited · Visa Europe Limited [S14]
- Contracting entity by region: Perk UK Ltd · Perk USA Inc. · Perk Platform SLU [S7]
- Contracting entity stated: Service Terms state which Perk entity you contract with (not named on this page) [S8]
- Document languages: English · Deutsch · Français · Español [S8]
- Issuer gibraltar regulation: Gibraltar Financial Service Commission [S14]
- Issuer malta regulation: Malta Financial Services Authority · C 91879 [S14]
- Issuer regulation: Gibraltar Financial Service Commission · Malta Financial Services Authority · C 91879 [S3]
- Issuer regulation: C 91879 · Malta Financial Services Authority · Gibraltar Financial Service Commission [S13]
- Issuer regulation: Malta Financial Services Authority · Gibraltar Financial Service Commission · C 91879 [S18]
- Nda documentation: yes · NDA [S9]
- Order form content: Order Form covers services, number of users, price and duration [S8]

**Pricing**
- Active user definition: Active user = anyone submitting or reviewing one or more expenses in a given month [S5]
- Bundle savings claim: 40 [S5]
- Cashback exclusions: incoming transfers · outgoing transfers · ATM withdrawals · chargebacks [S3]
- Custom quote: tailored quote based on requirements evaluated during sales process [S13]
- Demo cta: yes · no [S16]
- Flexitravel refund: 80% minimum refund on trips canceled with FlexiTravel · 80 [S11]
- Free trial stated: yes [S5]
- Implementation fee: yes [S5]
- Limited time rate: current pricing available for a limited time only [S5]
- Module bundling: yes · yes · yes [S13]
- Modules separately: yes [S3]
- No connector fees: no · no [S5]
- No fees: 0 · 0 · 0 · 10 [S3]
- Premium: 3% per booking · 6 [S5]
- Pro: 3% per booking · 8 [S5]
- Starter upgrade: yes [S5]
- Tailored offer: tailored offer via sales process [S3]
- Travel booking fee note: Travel booking fees apply, subject to min/max thresholds [S5]
- VAT rates up to: 27 [S4]

**Product**
- Access control: role-based access control [S9]
- Addon duty of care: add-on · yes [S5]
- Addon entry ready: add-on · yes [S5]
- Addon medical insurance: battleface · yes [S5]
- AI categorization: yes · yes [S14]
- AI receipt scanning: yes [S5]
- Airbnb booking: Premium · Pro · yes [S11]
- Airbnb inventory: yes [S5]
- All customers features: business travel in one platform · wide selection of travel options · centralized billing system · user-friendly reporting tools [S4]
- Anonymised product improvement: aggregated and fully anonymised trips, expenses, invoices · no [S7]
- API type: OpenAPI-based REST API platform [S20]
- App store ratings: 4.7 · 4.7 [S11]
- Approval notifications: yes [S16]
- Approval process types: line manager-based · approver-based [S15]
- Approvers conditions: always · out_of_policy · out_of_policy_and_notify_in_policy [S15]
- Approvers field deprecated: yes · yes · manager or lineManagerEmail [S15]
- Auto expense creation: yes [S3]
- Auto policy tax rules: Automatic application of company policies and tax requirements [S2]
- Auto receipt capture: Automatic receipt capture, verification, policy application and approval routing [S2]
- Automated approvals: yes [S16]
- Availability countries: United Kingdom · selected EU countries [S13]
- Availability regions: EU · US · UK · Switzerland [S3]
- Booking scope: 24/7 · flights · trains · car rentals · hotels [S11]

**Subprocessors**
- Acai travel: Acai Travel · Spain (EU/EEA) · Customer support optimisation · Perk Travel [S10]
- Aerticket: Aerticket Conso, GmbH · Germany (EU/EEA) · Travel provider · Perk Travel [S10]
- Airhelp: AirHelp Germany, GmbH · Germany (EU/EEA) · Flight compensation provider · Perk Travel [S10]
- Aws: Amazon Web Services · Ireland, Germany (EU/EEA) · Cloud provider · Perk Travel · Click Travel [S10]
- Card issuer: Transact Payments Limited · Transact Payments Malta Limited · Visa Europe Limited [S9]

**Support**
- 24 7: yes [S2]
- Academy training: expert support and Academy training, live or self-guided [S13]
- Channels: Contact us, help center, status page [S2]
- Channels: Contact us · Help centre · Status [S17]
- Customer care human: yes · yes [S11]
- Customer support hours: yes [S14]
- Developer docs: yes [S2]
- Help center: contact form · help center · status page [S1]
- Help center: yes [S14]
- Help channels: contact form · Help Center · status page [S13]
- Implementation duration: 2 [S3]
- Key account manager: yes [S3]
- Key account manager: dedicated key customer success manager for global enterprise customers [S13]
- No extra charges: no additional charges for trip modifications or cancellations, account management or 24/7 travel support [S5]
- Onboarding: yes [S3]
- Perk 247: yes [S12]
- Privacy requests channel: privacy@perk.com [S7]
- Response time: 1 minute [S17]
- Response time: 24/7 · 1 [S19]
- Round the clock: 24/7 · yes [S18]
- Stat response time: 1 [S19]
- Support 247: 24/7 travel support [S16]
- Trust center: yes [S9]

237 more facts on the canonical page: https://whats-best.ai/software/expense-management/perk

## Questions

### Is Perk (formerly TravelPerk) European?

Yes. whats-best.ai classifies Perk (formerly TravelPerk) as EU-Made.

### Where does Perk (formerly TravelPerk) store data?

The default storage location for customer data is not stated on the vendor’s pages as of 28 Oct 2026. The vendor’s pages mention Ireland as hosting location, per [the vendor’s page captured 28 Oct 2026](https://whats-best.ai/evidence/11395).

### Does Perk (formerly TravelPerk) have a free plan?

Not stated on the vendor’s pages as of 28 Oct 2026.

### What are the best alternatives to Perk (formerly TravelPerk)?

As of 3 Nov 2026, the panel rates [Moss (4/5)](https://whats-best.ai/software/expense-management/moss), [N2F (3.5/5)](https://whats-best.ai/software/expense-management/n2f) and [Spendesk (3.5/5)](https://whats-best.ai/software/expense-management/spendesk) highest among the other 18 Expense Management products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is [Moss](https://whats-best.ai/software/expense-management/moss) (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: [how scores are made](https://whats-best.ai/methodology#ordering). The full list, with European products first: [Perk (formerly TravelPerk) alternatives](https://whats-best.ai/software/expense-management/perk/alternatives).

## What this page leaves out

- 11 product facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material.
- 5 integrations facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material.
- 4 compliance facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material.
- 4 legal facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material.
- 1 pricing fact could not be confirmed on the vendor’s page as captured and was left out of this page and of the panel’s material.
- 1 subprocessors fact could not be confirmed on the vendor’s page as captured and was left out of this page and of the panel’s material.
- 1 support fact could not be confirmed on the vendor’s page as captured and was left out of this page and of the panel’s material.
- 4 sovereignty dimensions could not be confirmed on the vendor’s own pages and are shown as unknown.
- 6 of the readings below were written against an earlier fact sheet — a fact has been corrected, added or pulled since. Until the panel next runs on this product you are reading the older judgement.

## Sources

- [S1] Vendor homepage: https://www.perk.com/ (checked 2026-10-28)
- [S2] Features page (expense processing): https://www.perk.com/platform/expense-processing/ (checked 2026-10-28)
- [S3] Features page (company cards): https://www.perk.com/platform/corporate-cards/ (checked 2026-10-28)
- [S4] Features page (VAT reclaim): https://www.perk.com/travel-solutions/vat/ (checked 2026-10-28)
- [S5] Pricing page: https://www.perk.com/pricing/ (checked 2026-10-28)
- [S6] Legal notice: https://www.perk.com/imprint/ (checked 2026-10-28)
- [S7] Privacy policy: https://www.perk.com/legal/privacy-policy/ (checked 2026-10-28)
- [S8] Terms of service: https://www.perk.com/legal/terms-of-use/ (checked 2026-10-28)
- [S9] Security / trust page: https://www.perk.com/security/ (checked 2026-10-28)
- [S10] Security / trust page: https://trustcenter.perk.com/ (checked 2026-10-28)
- [S11] Receipt capture & expense claims — found from sitemap: https://www.perk.com/travel-solutions/corporate-travel-app/ (checked 2026-10-28)
- [S12] Receipt capture & expense claims — found from sitemap: https://www.perk.com/de/guides/reisekostenmanagement/reisekostenabrechnung-app/ (checked 2026-10-28)
- [S13] Company cards & spend control — found from sitemap: https://www.perk.com/de/losungen/geschaeftszahlungen/lodge-card/ (checked 2026-10-28)
- [S14] Company cards & spend control — found from sitemap: https://www.perk.com/de/guides/firmenkreditkarte/virtuelle-kreditkarte/ (checked 2026-10-28)
- [S15] Approval workflows & expense policy — found from sitemap: https://developers.perk.com/docs/manage-approval-processes-through-scim (checked 2026-10-28)
- [S16] Approval workflows & expense policy — found from sitemap: https://www.perk.com/guides/corporate-travel-policy/automated-travel-policy/ (checked 2026-10-28)
- [S17] Reimbursement, travel allowances & VAT — found from sitemap: https://www.perk.com/en-ca/travel-solutions/vat/ (checked 2026-10-28)
- [S18] Reimbursement, travel allowances & VAT — found from sitemap: https://www.perk.com/guides/vat-reclaim-on-staff-expenses/ (checked 2026-10-28)
- [S19] Accounting handoff & DATEV — found from sitemap: https://www.perk.com/en-ca/travel-solutions/europe-expense-integrations/ (checked 2026-10-28)
- [S20] Accounting handoff & DATEV — found from sitemap: https://developers.perk.com/docs/api-usage-guidelines (checked 2026-10-28)

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Cite as: whats-best.ai, "Perk (formerly TravelPerk) — Expense Management", AI panel analysis, as of 2026-11-04. https://whats-best.ai/software/expense-management/perk

Corrections: https://whats-best.ai/correct/1079?target=page