Qashio bundles five pricing tiers, five rewards programmes and 23-country card issuance into a single platform. Masraff takes a different stance: transparent module-based pricing, no rewards programme overhead, native Turkish and Saudi (ZATCA Phase 2) compliance, and a Sharia-compliant card pairing on the roadmap.
| Меъёр | Qashio | Masraff |
|---|---|---|
| Pricing structure | Five tiers (Lite $0 / Plus $125 / Premium $250 / Business+ $500 / Enterprise). Annual-only billing in USD. | Module-based pricing with monthly and annual options. TRY billing with AED, SAR and USD multi-currency display. |
| Rewards and loyalty | Five parallel programmes: Qashio Points, Emirates Skywards, cashback, Shukran and 100+ partner discounts. | Software-only. No rewards programme machinery. Pricing reflects the lower TCO. |
| Card issuance | NymCard (UAE) and Stripe Issuing (Europe). 23 countries. Physical and virtual cards. | Bring Your Own Card (BYOC) with Statement Reconciliation. A Mastercard partnership is on the product roadmap. No card-issuer lock-in. |
| Local compliance | UAE NESA, ISO 27001 and GDPR (Ireland entity). Saudi support is marketed as "coming soon". | Turkish GİB e-Invoice (e-Fatura), non-deductible expense (KKEG) and VAT withholding. ZATCA Phase 2 is a priority. KVKK compliance and GDPR coverage through the EU subsidiary. |
| ERP and accounting | Five ERPs: MS Dynamics 365, Oracle NetSuite, SAP, Xero and Zoho. | 20+ ERP integrations (roughly four times Qashio's catalogue): four SAP variants, four Logo variants, three Mikro variants, Oracle (EBS, Fusion, NetSuite), MS Dynamics AX, Luca, Orka, EBA, Nebim, Xero, QuickBooks and a generic webhook. Plus five e-Invoice providers (Doğan, eLogo, Mikro, QnB eFinans, Sovos). |
| Industry and role coverage | 13 industries and 10 roles in the information architecture. The matrix is not yet combinatorial. | Six solution categories and four personas (four CMS-driven). Turkish vertical depth in construction, healthcare and manufacturing. |
Qashio's five products mapped to their Masraff equivalents. Badge legend: ✅ parity · ⚠️ partial · ❌ gap · ⭐ advantage.
| Qashio feature | Муодили Masraff | Ҳолат | Тавзеҳ |
|---|---|---|---|
| Qashio Spend | Corporate Card, Expense and Approval modules combined | Баробарӣ | Same surface area. Masraff's differentiator is Turkish ERP coverage and e-Invoice (e-Fatura). |
| Qashio Points | — | Норасоӣ | Masraff is software-only. Rewards and loyalty are a separate domain. |
| Qashio for Travel | Travel Module | Қисман | Forms, approvals and travel-agency email handover are available. Booking integration is on the product roadmap. |
| Qashio Payment Gateway | — | Норасоӣ | Masraff covers internal finance, not customer-facing payment acceptance. Pair with Iyzico, PayU or Stripe for that surface. |
| Qashio Corporate Travel | Travel Module (same module) | Қисман | Qashio ships two separately labelled travel products. Masraff ships one Travel Module with full depth. |
Qashio bundles five pricing tiers and mandates annual-only billing. Masraff offers transparent module-based pricing with monthly and annual options. Teams that do not need KKEG or VAT withholding do not pay for them. Customers enable only the modules they use.
Qashio ships two separately labelled travel products ('Qashio for Travel' and 'Qashio Corporate Travel'), which can obscure scope for buyers. Masraff ships one Travel Module with full depth: pre-trip approval, travel-agency email integration, an advance-and-offset chain through the Advance Module, KKEG vehicle-expense routing, four cabin classes, dual-hotel support and passport, visa and driving-licence fields.
Qashio markets KSA expansion as 'coming soon'. Masraff is building Saudi-first: ZATCA Phase 2 e-invoicing alongside Turkish e-Invoice (e-Fatura), SAR and TRY multi-currency, and an Arabic RTL interface on a 19-locale base. Turkish holdings with a Riyadh subsidiary can run both jurisdictions on a single platform.
Qashio integrates with five ERPs: MS Dynamics 365, Oracle NetSuite, SAP, Xero and Zoho. None is Turkish. Masraff adds Logo Tiger, Logo j-Platform, Mikro, Netsis, Luca, Link, Nebim and Orka — pre-mapped templates, no manual column alignment.
Capabilities Qashio does not offer — because they sit outside the GCC card-issuer and rewards model, or because the card-led suite never built them.
Four SAP variants, four Logo variants, three Mikro variants, Oracle (EBS, Fusion, NetSuite), MS Dynamics AX, Luca, Orka, EBA and Nebim. Account-code templates with 28+ part types.
Turkey's only GİB-compliant QR-reading invoice module. Native synchronisation with Doğan, eLogo, Mikro, QnB eFinans and Sovos. 13 invoice statuses with a complete activity log.
Vehicle 30% non-deductible, lease cap, alcohol and tobacco, meal cards, credit-card slips, taxi POS and no-fiscal-value documents. Each entry routes to the correct ERP account automatically.
Three Turkish tax behaviours Qashio's region-generic VAT support does not model: withholding (Stopaj), reverse-charge VAT (SSKDV) and per-expense VAT deduction.
Saudi e-invoicing is in active development. Qashio's messaging is still 'coming soon'.
Qashio ships two separately labelled travel products with overlapping scope. Masraff ships one Travel Module with full depth, five reference lists and conflicting-trip prevention.
Domestic, international and business-advance subtypes. Balance carryover between advances, blocked balances for pending approvals, city-specific advances and multi-currency display. Hajj, Umrah and business-trip subtypes are supported.
A standalone shipping-expense module integrated with the UPS API. Sender and recipient address hierarchy, barcode and tracking, five authentication types and up to ten reports per shipment. Qashio Payment Gateway covers outbound customer payments; Masraff covers inbound (e-Invoice) and shipment as a separate domain.
Time-bounded or open-ended delegation, multiple delegates and a complete activity log of every delegated action. Nine user roles with multi-role assignment.
The Assistant suggests report groupings based on frequency and property type. New AI models run in parallel against live traffic before rollout. Category prediction surfaces one to three options at entry. Parity with Qashio AI receipt matching, with the added discipline of testing models on live traffic before release.
An IT team's expenses split automatically across four cost centres once the rule is defined. Brick, product and custom-product-field splits cover FMCG-style and retail allocations.
Position-level dynamic chains with built-in delegation run on a scalable workflow engine. The Budget Module combined with rule-based allocations covers Qashio Pool Accounts use cases.
No rewards programme machinery means a lower TCO. Customers pay only for the modules they enable. Monthly and annual billing options are available; Qashio is annual-only across all four paid tiers.
An empty niche in the GCC: Qashio is Visa-only with rewards programmes. Masraff plans a Sharia-compliant card pairing option.
Drag-and-drop PDF structure builder with 11 structure blocks and 80+ field codes.
Organisation, User, Category, Tag, Integration and Accounting. Each step ships with a downloadable Excel template and bulk import.
Logical company grouping for holdings, one user across multiple sub-companies, per-tenant subdomain and Azure AD periodic synchronisation.
Origin and destination, kilometres multiplied by per-km rate, mobile GPS tracking and UTTS for automatic fuel-expense flow.
Apple, Google and Huawei. Full coverage of the Turkish and GCC Huawei ecosystem.
Detects when another employee has already submitted the same amount, date and supplier combination. Configurable criteria. Qashio does not publish an equivalent feature.
Honest gaps — Qashio's strengths Masraff does not replicate.
Qashio issues physical and virtual cards across the UAE and Europe. Masraff uses Bring Your Own Card (BYOC) with statement reconciliation; Mastercard issuance is on the product roadmap. Teams that need 23-country card issuance today should choose Qashio.
Masraff is intentionally not a loyalty platform. If reward miles or cashback are part of the employee value proposition, Qashio is the better fit.
Masraff covers internal finance, not customer-facing payment acceptance. Pair with Iyzico, PayU or Stripe for that surface.
Typical duration: three to five weeks for single-entity deployments, four to six weeks for multi-entity setups (Turkey headquarters plus UAE and KSA branches). A dedicated implementation manager and TR, AR and EN coverage are included.
Export to CSV through Qashio reports. Verify Lite-tier export capability.
The implementation team maps category, cost-centre, project and spend-code dictionaries. AR, EN and TR interfaces are provisioned per role.
Bring Your Own Card setup. Qashio NymCard cards continue to work and statement reconciliation auto-matches transactions.
Turkish headquarters on Logo or Mikro, UAE and KSA branches on NetSuite, SAP or Xero — all on one dashboard.
| Qashio | Masraff | |
|---|---|---|
| Entry tier | $0/month (Lite — three users, six cards, annual-only) | Module-based; custom quote |
| Mid tier | $125–$250/month (Plus and Premium, annual-only) | Module-based |
| Higher mid tier | $500/month (Business+ — 50 users, 500 cards, annual-only) | Module-based |
| Enterprise | Custom | Custom |
| Billing currency | USD | TRY with AED, SAR and USD display |
| Annual or monthly | Annual-only | Monthly and annual options |
| Rewards bundled? | Yes — five programmes across every tier | No — software-only |
| Free trial | Lite is permanently free (self-serve free tier) | Yes — see /en/pricing/ |
Qashio pricing as of 2026-05-14. Verify against qashio.com/pricing before each publish. Annual-only billing is a deliberate Qashio choice.
Саволҳои маъмул
Loyalty CRM is a separate domain with real operational cost. Bundling it into spend-management pricing means every customer subsidises a loyalty layer most do not fully use. Masraff focuses on the core job — closing the books faster, routing VAT correctly and scaling across Turkey and the GCC — and prices accordingly.
Yes. ZATCA Phase 2 is a Masraff priority. Saudi vertical industry coverage (construction, hospitality, healthcare) is in scope. Qashio's messaging is still 'KSA expansion coming soon'.
Both. Qashio mandates annual-only billing across its four paid tiers. Masraff offers monthly and annual options on module-based pricing.
Multi-entity through the Organisation Table, per-entity policy and reporting, and multi-currency consolidation. Turkish headquarters on Logo, UAE branch on Xero, KSA branch on SAP — one dashboard, three jurisdictions.
Yes. Bring Your Own Card means Masraff reconciles statements from any card issuer, including NymCard. The cards continue to work and Masraff manages the spend-management workflow.
Вохӯрии 30-дақиқаинаро бо шахсе, ки қонунгузории муҳосибавии туркӣ ва системаи ERP-и шуморо медонад, банд кунед.
