Airwallex

AI featuresMCP-ready

AI expense policy agent, AI receipt matching, AI coding of bills and AI three-way matching of goods receipts and invoices

Multi-currency business accounts with corporate cards, expenses, bill pay and invoicing on top, synced to the accounting system.

Starting price: Free; Grow $12 / user / month
API: Yes, APIs for accounts, payments, transactional FX, payouts, card issuing and billing, plus the AgentOS MCP server for acting on a production account
Hosting: Cloud (SaaS)

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Overview

Airwallex is a global business account and spend platform, founded in Melbourne in 2015, for companies that pay, get paid and hold money in several currencies. Cards, expenses, bill pay and invoicing sit on top of multi-currency accounts, and the data flows into an existing accounting system rather than into books of its own. It runs in the browser and a mobile app. The entry plan carries no monthly fee, a per-user fee applies from Grow, and FX, transfers and card acceptance are charged per transaction.

Our take

Airwallex makes most sense when currency is the problem: a company invoicing in one currency, paying suppliers in another and running a team across borders gets the accounts, the cards and the conversion from one provider instead of three. A company that works in a single currency and only wants expense policies and receipt capture will find the same spend tooling elsewhere in this category without moving its banking, and one that wants its books kept should choose a full accounting package, because Airwallex hands its data to one rather than replacing it.

Key Facts

Category	Accounting & Invoicing
Starting price	Free; Grow $12 / user / month US pricing. Explore has no monthly fee and includes up to 10 Spend users. Grow is 12 dollars per active Spend user per month plus a platform fee based on team size, up to 250 Spend users. Accelerate is priced on request. Monthly fees are charged per legal entity; FX, transfers and payment processing are charged per transaction.
API	Yes, APIs for accounts, payments, transactional FX, payouts, card issuing and billing, plus the AgentOS MCP server for acting on a production account
Hosting	Cloud (SaaS)
Made in	Australia (founded in Melbourne)

Screenshots

Placeholders. They are replaced as soon as the vendor sends material, and both open the same short form.

Features

Invoicing and quotes: Yes, one-off and recurring invoices with automated reminders, credit notes and automatic reconciliation, plus subscription and usage-based billing; incoming bills are captured, approved and paid through Bill Pay
Bookkeeping and bank feeds: No general ledger of its own; bank feeds, expenses and bills sync to Xero and QuickBooks, and from Grow to NetSuite and Microsoft Dynamics 365 Business Central
Expenses and receipts: Yes, multi-currency corporate cards with spend controls, receipt data extraction, employee reimbursements in more than 200 countries and a mobile app to submit and approve expenses
Tax and compliance: Tax rates are imported from the connected accounting software together with the chart of accounts and applied when expenses are coded
Payroll: No payroll calculation. Airwallex pays out salaries worked out elsewhere: domestic and cross-border payouts to employees and tax authorities through the Payouts API, or embedded in HR, payroll and Employer of Record platforms
Reports and exports: CSV export for expenses and bills and advanced multi-currency reporting; tracking budgets against actuals is marked as coming soon
Integrations and API: Yes, platform APIs with SDKs and e-commerce plugins, accounting sync with Xero, QuickBooks, NetSuite and Business Central, HRIS integrations, and an official MCP server

Integrations

Xero
QuickBooks
NetSuite
Microsoft Dynamics 365 Business Central
Sage
Odoo
Campfire
Rillet
BambooHR
Workday
Employment Hero
HubSpot
Shopify
WooCommerce
Magento
Salesforce Commerce Cloud
Amazon
Zapier

Deployment and Support

Deployment: Cloud (SaaS)
Browser-based
Support: Email helpdesk
Onboarding: Documentation and knowledge base
Guided onboarding
Company size: Small and mid-sized
Enterprise

Pros and Cons

Strengths

Explore has no monthly fee and covers up to 10 Spend users
Collect and hold funds in more than 20 currencies, with local transfers to more than 120 countries
Invoicing carries no platform fee
AgentOS MCP server lets AI agents act on the production account, with money-out actions off by default

Limitations

No general ledger, so an accounting system is still needed alongside
The platform fee on Grow depends on team size and is not published
FX conversion, SWIFT transfers and card acceptance carry per-transaction fees
Several listed features are marked as coming soon, among them budget tracking and single sign-on

Pricing

Explore

$0

Per month. Up to 10 Spend users, multi-currency accounts, unlimited corporate cards, expenses and reimbursements, bill pay, payment acceptance and invoicing. Sync with Xero and QuickBooks.
Grow

$12

Per active Spend user per month, plus a platform fee based on team size; up to 250 Spend users. Adds multi-conditional approvals, the AI expense policy agent, bill automation and vendor approvals, and sync with NetSuite and Business Central.
Accelerate

Not stated

Priced on request. Adds purchase orders, AI three-way matching, a direct ERP Spend API integration, multiple legal entities, a dedicated account manager and onboarding support.

Alternatives and Comparisons

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