“Can a corporate spend management and T&E platform build a global intelligent orchestration layer that makes expense management fully invisible for multinational enterprises?”
Founded in 2018 in Israel as a corporate payment and spend management platform, Mesh Payments relocated its HQ to New York and expanded rapidly through 2021-2022 on the wave of SMB/mid-market spend automation demand. The platform evolved from a basic corporate card tool into an intelligent Travel & Expense orchestration layer for global enterprises, adding AI-driven auto-coding, policy enforcement, and month-end close automation. International expansion via Nium (Australia) and Adyen (Europe/UK) reflects a deliberate shift from US-centric SMB spend management to a global enterprise T&E platform competing with TripActions/Navan and SAP Concur.
Mesh Payments discloses Metropolitan Commercial Bank as its banking provider, according to the Embedded Finance Index 2026.
Mesh Payments does not disclose a bank charter of its own; its banking services are provided through Metropolitan Commercial Bank.
Mesh Payments processes payments through Checkout.com, Adyen and Nium.
Mesh Payments's cards are issued through Adyen.
Mesh Payments uses Nium and Adyen for FX and cross-border payouts.
Mesh Payments integrates with QuickBooks, QuickBooks Online and QuickBooks Desktop.
The Embedded Finance Index 2026 maps 7 layers in Mesh Payments's stack: Payments / PSP (Checkout.com, Adyen and Nium); Banking / BaaS (Metropolitan Commercial Bank); Card issuing (Adyen); Unified APIs (Nium); Sponsor bank (Metropolitan Commercial Bank); FX & payouts (Nium and Adyen); Accounting (QuickBooks, QuickBooks Online and QuickBooks Desktop).
Mesh Payments was founded by Oded Zehavi and is founded in 2018, headquartered in New York, NY, USA.
Mesh Payments has raised $135M+ in total (latest round: Series C, September 2022).
Get a read on where your own stack stands against Mesh Payments and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.