Airbase (Paylocity Company)
Unified Spend Management Platform (Cards, AP, Reimbursements)
Best For
Mid-sized to large companies wanting a single platform for corporate c
Core Fee
Custom pricing based on company size, transaction volume, an
Settlement
Real-time spend dashboards; automated approval flows; AI-bas
Credit Sesame
Credit Score Management & Monitoring App
Best For
Anyone wanting to monitor their credit score, get personalized recomme
Core Fee
Basic: Free (monthly TransUnion score + monitoring); Advance
Settlement
Free plan updates TransUnion score monthly; premium plans up
Full 20-Point Audit Matrix
Verified current data across all key decision criteria
| Audit Criterion | Airbase (Paylocity Company) | Credit Sesame |
|---|---|---|
WealthBlueprint RatingOverall score vs. all reviewed platforms (out of 5 stars) |
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| Cost Structure & Fees | ||
Transaction FeesPer-transfer costs, domestic & international |
Custom pricing based on company size, transaction volume, and module requirements; no public pricing available | Basic: Free (monthly TransUnion score + monitoring); Advanced Credit: $9.95/mo; Pro Credit: $15.95/mo; Platinum Protection: $19.95/mo |
FX / Conversion SpreadMarkup above mid-market exchange rate |
Airbase (Paylocity Company) charges a conversion fee based on the currency pair and transfer amount. Always verify the all-in rate before sending.
Always check the live rate in the app |
Credit Sesame charges a conversion fee based on the currency pair and transfer amount. Always verify the all-in rate before sending.
Always check the live rate in the app |
Account MaintenanceMonthly or annual account-keeping charges |
Custom/tiered pricing — Airbase (Paylocity Company)'s fee structure depends on your account tier or usage volume.
Fees subject to change — verify before signing up |
No monthly fees — Credit Sesame does not charge recurring maintenance fees.
Fees subject to change — verify before signing up |
Card Issuance FeesVirtual and physical card creation costs |
Airbase (Paylocity Company) offers virtual cards.
Check the Airbase (Paylocity Company) app under card settings for current issuance fees.
Check Airbase (Paylocity Company) app for current card fees |
Credit Sesame does not primarily offer physical cards — access is digital-first.
Check Credit Sesame app for current card fees |
| Settlement Speed & Reliability | ||
Domestic SettlementLocal bank transfer completion time |
Airbase (Paylocity Company)
Real-time spend dashboards; automated approval flows; AI-bas
VS
Credit Sesame
Free plan updates TransUnion score monthly; premium plans up
Both platforms offer comparable settlement speeds.
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Cross-Border SpeedInternational corridor settlement time |
Airbase (Paylocity Company) supports cross-border transfers via its payment rails. Actual delivery depends on the receiving bank and any compliance holds.
Check the app for live estimates |
Credit Sesame supports cross-border transfers via its payment rails. Actual delivery depends on the receiving bank and any compliance holds.
Check the app for live estimates |
Uptime / ReliabilityReported annual platform availability rate |
Airbase (Paylocity Company) publishes service status updates on its official status page for transparency.
Check Airbase (Paylocity Company) status page for incident history |
Credit Sesame publishes service status updates on its official status page for transparency.
Check Credit Sesame status page for incident history |
| Security & Regulatory Standing | ||
Regulatory LicensesGoverning bodies and jurisdictions |
Standard enterprise security; G2 rating 4.4/5; part of Paylocity for enhanced HR/payroll integration
✓ Licensed |
SSL technology with 128-bit encryption; 24/7 network monitoring; firewalls; FDIC-insured banking via partner banks; no credit card required for free plan
✓ Licensed |
Deposit InsuranceGovernment-backed protection scheme |
Airbase (Paylocity Company) holds funds with regulated partner banks. Deposit insurance coverage may apply.
Verify current coverage directly with Airbase (Paylocity Company) |
FDIC insured — your funds are protected up to applicable limits.
Verify current coverage directly with Credit Sesame |
2FA & AuthenticationMulti-factor security implementation |
Airbase (Paylocity Company) supports 2FA via authenticator app or SMS. Check security settings for available methods.
Enable 2FA immediately after opening your account |
Credit Sesame supports 2FA via authenticator app or SMS. Check security settings for available methods.
Enable 2FA immediately after opening your account |
Fraud DetectionAI/ML-powered transaction monitoring |
Airbase (Paylocity Company) employs automated transaction monitoring. Suspicious activity triggers alerts and temporary holds.
✓ Real-time monitoring |
Credit Sesame employs automated transaction monitoring. Suspicious activity triggers alerts and temporary holds.
✓ Real-time monitoring |
| Features, Limits & Access | ||
Ideal Use CasePrimary audience and core value proposition |
Airbase (Paylocity Company)
Mid-sized to large companies wanting a single platform for corporate cards, accounts payable, employee reimbursements, and guided procurement (Enterprise tier supports up to 10,000 employees)
Credit Sesame
Anyone wanting to monitor their credit score, get personalized recommendations to save on loans/credit cards/mortgages, and access free digital banking with Sesame Cash
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Platform ClassificationRegulatory and product category |
Unified Spend Management Platform (Cards, AP, Reimbursements) | Credit Score Management & Monitoring App |
Withdrawal LimitsDaily / weekly transfer and cash-out caps |
Airbase (Paylocity Company) withdrawal limits vary by account type and KYC level.
Log in to see your current limits |
Credit Sesame withdrawal limits vary by account type and KYC level.
Log in to see your current limits |
Supported CurrenciesFiat and digital asset coverage |
Airbase (Paylocity Company) supports the currencies and assets listed in its official documentation.
Check Airbase (Paylocity Company) official site for full currency list |
Credit Sesame supports the currencies and assets listed in its official documentation.
Check Credit Sesame official site for full currency list |
| User Experience & Support | ||
App Store RatingAggregate iOS + Android user satisfaction |
Airbase (Paylocity Company) app ratings reflect recent user sentiment — check the App Store/Google Play for current scores.
Verify live ratings on the App Store |
Credit Sesame app ratings reflect recent user sentiment — check the App Store/Google Play for current scores.
Verify live ratings on the App Store |
Customer SupportAvailable resolution pathways and SLA |
Airbase (Paylocity Company) routes support through its official help channels. Priority queue access varies by plan.
Check Airbase (Paylocity Company) help centre for current support options |
Credit Sesame offers support through its help centre and official contact channels.
Check Credit Sesame help centre for current support options |
KYC Verification SpeedAccount activation timeline post-submission |
Airbase (Paylocity Company) KYC timelines depend on document quality and account type.
Verify current wait times in the Airbase (Paylocity Company) app |
Credit Sesame KYC timelines depend on document quality and account type.
Verify current wait times in the Credit Sesame app |
Overall VerdictWealthBlueprint independent recommendation |
IT'S A TIE — both score 4/5 stars.
Choose Airbase (Paylocity Company) if you need: Mid-sized to large companies wanting a single platform for corporate cards, accounts payable, employee reimbursements, and guided procurement (Enterprise tier supports up to 10,000 employees). Choose Credit Sesame if you need: Anyone wanting to monitor their credit score, get personalized recommendations to save on loans/credit cards/mortgages, and access free digital banking with Sesame Cash. ➜ Your choice depends on your specific needs |
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Official WebsiteVisit platform to sign up or verify current fees |
Visit Airbase (Paylocity Company) ↗ | Visit Credit Sesame ↗ |
WealthBlueprint Verdict Summary
Airbase (Paylocity Company) — Best For
Mid-sized to large companies wanting a single platform for corporate cards, accounts payable, employee reimbursements, and guided procurement (Enterprise tier supports up to 10,000 employees)
✓ Strong in its core category
Credit Sesame — Best For
Anyone wanting to monitor their credit score, get personalized recommendations to save on loans/credit cards/mortgages, and access free digital banking with Sesame Cash
✓ Strong in its core category
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