Trending February 2024 # The 8 Best Online Sequencers For Music Enthusiasts # Suggested March 2024 # Top 2 Popular

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Computer technology has opened up the world of music creation to everyone. People armed with nothing more than laptops and creative vision can pop musical hits out easily and share them on social media or music streaming services such as SoundCloud. 

You could install any free music production software to get started, but you don’t have to download music sequencer software if you don’t want to. Choose one of the online tools from the list below.

Table of Contents

Audiotool is an audio production suite that’s free. It offers a simulated audio production environment with virtual replicas of many popular instruments and studio gadgets.

Audiotool uses a modular design that lets you hook up its synthesizers and pedals to create the sound you want. It’s an excellent way for people who have worked with traditional studio equipment to get going quickly.

Audiotool includes plenty of tutorials to help you learn. Also, load one of the demo tracks to see what a pro can get out of this software.

Officially, Chrome Music Lab is a Chrome Experiment aimed at helping kids learn to make music. However, adults who want to dabble in the basics of digital music can use it too. 

Rather than being a single unified sequencer and instrument tool, the lab is broken up into several simple, colorful, and friendly music creation tools. The Song Maker is one tool that best demonstrates the principles of creating melodies and sequencing notes. The music lab isn’t the best place to create sounds for serious projects, but it’s the most approachable website for making music online for sure.

Sampulator is a straightforward tool for creating musical samples so that you can use them in a sequencer to build songs. The tool comes with several free sample packs, and you can buy more as part of various themed packs. It has a simple, straightforward multitrack timeline, so it should be possible to create complete songs with it. Each sample pad is linked to a key on your keyboard. So, after putting in some practice, hit the record button and create your tune. 

The only problem is that we could not figure out how to export our song. Online research suggests that Sampulator supports exporting WAV files, but we couldn’t find the button to do it, which is a puzzling omission.

4. Soundation Studio (Free With $1.99 and $6.99 Options)

Soundation Studio is one of the most fully-featured online music production tools you can use today. The killer feature of Soundation is its collaboration projects, where you and other team members can work on a single music project together in the cloud.

The free version has serious limitations that make it unsuitable for professional products, such as limited audio export quality. However, you can simply sketch out some ideas and learn the software without paying.

Rather than being a full music sequencer, PatternSketch is “just” an electronics drum machine written as a web app. 

It’s incredibly intuitive to put together beats for your project and to export audio for use in your main sequencer. There are preset patterns if you just want a classic beat to use quickly and plenty of drum kits to choose from too.

6. Acid Machine (Free With $7 Windows and Mac App)

As the name suggests, this browser-based tool, which is still in Beta, is designed for the Acid House genre of music. Acid House:

Supports synth and drum machine virtual instruments

Has a pattern editor and sequencer you can use by activating song mode

Can be purchased as a standalone desktop app for Windows and Mac

BeepBox is a simple melody sequencer that sounds like classic 8-bit video game chiptunes. It has a simple interface, so you’ll be making cool bleep-boop tunes in no time. 

One ingenious feature is that you can store notes and settings in the actual URL. You can “save” your songs by saving the URL in a text file. BeepBox is also available as a downloadable app. It’s probably more convenient to use the save and export feature built into the app itself.

Online Sequencer has the most apt name of any website listed here. It’s a music sequencer in the purest sense. Simply pick the instrument you want and use the pattern editor to sequence notes in the proper order and time.

You don’t have to start from scratch either. Others have created almost two million sequences that you can load up and modify.

You now have the pick of eight fantastic music tools that will run in a web browser. There’s no reason to procrastinate on those jam sessions. If you do end up cutting or remixing tunes with these tools, post the link down below.

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Apple Music Vs. Spotify: Which Is The Best Music Streaming Platform?

‘Music is therapy for the soul.’ Whether in moments of sheer happiness or sadness, music always offers you the warm solace you crave. Where music was limited to cassettes and audio players earlier, today, you have an endless pool of music in your pockets. Two of the biggest fish in that pool are Apple Music and Spotify!

The massive, multi-linguistic content library boasted by Apple Music and Spotify has helped the platforms win the hearts of millions. But who deserves to be on your iPhone? Join me in this Apple Music vs. Spotify showdown and compare the two platforms on some standard parameters. Let’s start: 

Apple Music vs Spotify – Specs at a glance

CriteriaApple MusicSpotifyThemeLight and Dark modes; colorfulDark; Black and neon greenAudio quality 256 kbps 320 kbps, 160 kbps, and 96 kbpsLibrary size 100 million+ songs 80 million+ songs Exclusive content Songs, albums, interviews, documentaries, etc. Podcasts Price Starts at $10.99/month Starts at $9.99/monthFree version UnavailableAvailable 

Apple Music vs Spotify – User Interface and design

The user interface is the heart of an app. A simple, easy-to-navigate UI can attract followers, but a complicated UI can throw you out of the market. Luckily, both Spotify and Apple Music have an intuitive user interface that brings music closer to their users. A few differences make these two market-leading apps different from each other.  

Apple Music, by default, features a high-contrast text set against a bright, white background. The tile-like UI featuring different categories offers seamless navigation to users. This includes sections like Top Picks, Recently Played, New Releases, and many more. In addition, the app houses plenty of features that can help you access your favorites in a breeze.  

For instance, important features like Library, Search, and Radio are all lined up at the bottom of the app for quick access. Large images of song titles help you find your favorite tracks from the content library, most played songs, trending soundtracks, etc., in seconds.   

Contrarily, Spotify sports a classic dark theme featuring a black background paired with white text for a contrasting appearance. I guess Spotify believes in Black Supremacy! The pop of neon green intensifies the Spotify effect.  

Contrarily, if you love subtleness, you are likely to be more inclined toward the aesthetics of Apple Music. While if you are a black lover like me, you will follow Spotify like a love-sick puppy. It all depends on your taste.  

Apple Music vs Spotify – Audio quality

Music or audio quality is essential when differentiating Apple Music and Spotify. This comes from the fact that there is a significant difference between the audio quality offered by the two music streaming platforms. Let’s understand this.  

The standard streaming quality of Apple Music is 256 kbps, which you can bring down to 64kbps by enabling the High Efficiency setting. This reduces your data consumption. In addition, Apple Music supports Lossless and High-resolution Lossless audio that streams songs at up to 24-bit/192kHz. Unfortunately, Lossless audio works only with wired speakers or headphones. Here is our guide to the best wired headphones for Apple Music lossless audio.  

Further, you get a more immersive listening experience with Dolby Atmos Spatial Audio on Apple Music. The service simulates a 3D audio space using regular headphones or stereo speakers. Definitely a big ‘win-win’ for Apple Music over its competitors.  

On the other hand, Spotify lets you stream audio at three different rates, including 96 kbps, 160 kbps, and 320 kbps. The highest gradient is for the paid Premium subscription. Like Apple Music, Spotify has also promised its users to launch a HiFi option that will work similarly to the Lossless Audio feature.  

It will work with wired speakers, headphones like its counterpart, and Spotify Connect-supported speakers. FYI, the feature is yet to be launched by Spotify. Another downside for Spotify is that it does not support high-resolution streaming currently, which Apple Music does.    

Apple Music vs Spotify – Library

Do you know what makes a music streaming app popular? Most votes will likely go to the app with an endless music library. No matter whether you want to dance with your lover to Ed Sheran’s ‘Perfect,’ cry your heart to ‘All Too Well’ by Taylor Swift, or simply blush to remember your crush with ‘What makes you beautiful’ by One Direction – your streaming app should cater to all your whims.  

Fortunately, Apple Music and Spotify boast a massive music library with songs for all your moods. As of July 2023, Apple Music takes the lead in this category with over 100 million songs in its kitty against the 80 million songs on Spotify.  

In addition, Apple Music also offers access to an impressive collection of exclusive content, including songs, podcasts, albums, live performances, documentaries, and interviews. Unfortunately, the exclusive content category is limited to podcasts. Although, the platform does offer original podcasts and focuses on collaborations with podcast creators. Do check out our guide highlighting the tips and tricks of using Apple Music.  

Moreover, audiobooks are exclusively available on Spotify, like songs and podcasts. Apple Music users can purchase audiobooks through the Apple Books app. The app is outside the Apple Music ecosystem but available on all devices. Further, Apple recently introduced a variety of features for Apple Music with iOS 17.

Spotify also offers access to a variety of live audio features. Like, Spotify Greenroom’s social audio portal lets you listen to live conversations with celebrities, artists, and experts. Further, Spotify Live allows you to enjoy live concerts and events from your loved artists. Lastly, there are Spotify Sessions where you get live recordings of artists performing inside the studio.  

While Apple Music does take a sweep from Spotify here, the difference is relatively low. So, unless you are looking for some bizarre content, you will likely find your searches on either portal.   

Apple Music vs Spotify – Podcasts

The popularity of podcasts has witnessed a massive upscale in the past few years. A significant reason for this is the widespread available of podcasts on platforms like Apple Music and Spotify. So, whether you pick Spotify or Apple Music, you will get spoilt for choice with a diverse collection of podcasts and radio offerings.   

You can find podcasts on multiple topics, including education, stories, romance, self-help, motivation, finances, horror, kid-friendly, etc. Further, Spotify and Apple Music give recommendations based on your listening history, support podcast transcription, and let you rewind, fast-forward, and skip the content per your needs.  

Apple Music vs Spotify – Radio

Regarding radio, you get a diverse collection of stations on Apple Music and Spotify. This includes talk radio stations, music stations, and comedy stations. Feel free to explore the radio stations based on your mood, genre, or location. Moreover, you can create a personalized radio station featuring a particular artist or playlist.  

With Apple Music, you get three live radio stations as well: 

Apple Music 1: Here, you get the latest songs, shows, and interviews hosted by top music artists all day. 

Apple Music Hits: This station takes you on a nostalgic trip with songs from the past 30 years. 

Apple Music Country: It streams the latest country music blockbusters.   

Apple Music vs Spotify – Playlists and curated content

Both Apple Music and Spotify offer seamless access to user-curated playlists. These personalized playlists appear on Spotify under the Daily Mix section and on Apple Music as Get Up! And Chill mixes. Also, you get recommendations for songs and artists on both streaming platforms. All these suggestions are based on the songs and artists you frequently listen to.  

You can find especially-curated playlists on Spotify and Apple Music for all your mood swings. Whether you need slow music for sound sleep or power-packed sound for your gym workout. Both portals bring a variety of top-trending songs for all occasions right to your fingertips.

Apple Music vs Spotify – Lyrics, artist info, and credits

On Apple Music, you get a short biography about the artists whose page you are visiting. For example, if you are exploring the artist page of One Direction on Apple Music, the app will give you information about the band’s origin, its launch year, etc. In the case of top-rated albums, you get a description or review at the top of the page, mentioning the best songs there.  

Contrarily, Spotify takes this section way ahead of its competitors. Apart from everything Apple Music offers, Spotify also shows the number of likes on the content, the number of listeners the artist gets every month, and the total time duration of the album. Further, with the inclusion of the built-in ‘Concerts’ menu, you can know about the upcoming concerts of your favorite artist and book tickets for the same quickly.  

Apple Music vs Spotify – Availability across devices

Accessing Apple Music and Spotify has become very convenient in recent years. The platforms have put in their best efforts to bring their services to the fingertips of one and all. Without saying, both online streaming services work seamlessly on smartphones, tablets, Macs, and other computer systems. 

Apart from this, you can stream content on Apple Music from the Apple HomePod, HomePod mini, Apple TV 4K, and Apple Watch as well. In addition, Apple also offers support for third-party components like Xbox Series X, S, and One, along with PlayStation 5, Sonos, and Roku. Also, you get a separate automotive solution for Apple Music in Apple CarPlay.  

The service extends to Android users as well. However, you must download iTunes if you are a Windows user and plan to access Apple Music. Also, feel free to check our article on how to use Apple Music with gaming consoles to enjoy thrilling music-cum-gaming fun with your friends.

Like Apple Music, Spotify lets you play content through your game consoles. The list includes PS5, PS4, Xbox Series X, S, and One. Moreover, in 2023, the music app introduced the Car Thing feature for smooth music delivery while traveling. However, the feature was withdrawn soon.  

You can use Spotify on smartwatches like Samsung, Fitbit, Garmin, Google OS wearables, and Apple Watch. Further, rumors suggest that the company is also bringing offline listening to Apple Watch and Google Wear OS wearables.    

Apple Music vs Spotify – Cloud Music Library

One of the biggest perks of using Apple Music is the iCloud Locker or Library. With iCloud Library, you can upload your favorite music to Apple’s servers and play them from any device signed into your Apple ID. This allows you to listen to songs not available on Apple Music. You can upload up to 100,000 songs in compatible formats like MP3, AAC, or ALAC.   

Similarly, Spotify allows you to stream songs stored locally on your iPhone. However, you can do this only on the platform’s desktop app for macOS/Windows or if you have a Premium subscription to Spotify. 

For instance, Apple allows you to download up to 100,000 offline content across ten devices. On the other hand, you can only download 10,000 tracks on up to five devices on Spotify. Clearly, Apple Music is the winner here.   

Apple Music vs Spotify – Unique features for social media lovers

The present era belongs to social media. People like sharing their pictures, real-time personal moments, and even music playlists on Instagram, Snapchat, and WhatsApp. Apple Music supports a basic social media integration for its users where you can share playlists over AirDrop or create links to post on social media platforms.  

With Spotify, you get full freedom to flex your musical interests with the world, or should I say, the world of social media. You can share your Spotify preferences as stories on Instagram and Facebook and post album art on Snapchat to link your followers to the song. In addition, Spotify lets you create links and QR-like scannable codes to share playlists or songs on messaging apps.  

Apple Music vs Spotify – Price

Regarding pricing, the Apple Music vs. Spotify battle stands at a middle ground. The two audio streaming platforms have nearly similar subscription plans. However, with its free-of-cost starting tier, Spotify takes a clean sweep from Apple Music. Though, there is a small catch to it. The free version is ad-supported, so get ready to listen to your songs with short interruptions here and there. 

For a better understanding, I have created a table elaborating on the subscription plans on Apple Music and Spotify. Take a look:

Plan Apple Music (Monthly)Spotify (Monthly)Individual Plan$10.99$9.99Student Plan$5.99$4.99Family Plan (up to six accounts)$16.99$15.99Duo PlanN/A$12.99Free VersionUnavailableAvailable; 30-day free trial

In addition to the above-mentioned plans, there are a few plans reserved for each platform. This includes:

The Apple One plan, which is priced at $16.95 per month, giving access to all Apple services, including Apple Music.

The Voice plan is priced at $4.99 per month and lets you access Apple Music via Siri.

Also, if you are a new user, Apple will bless you with a 1-month free trial or a six-month complimentary subscription on purchasing specific Apple devices.   


Is it worth switching to Apple Music from Spotify?

There are no major differences between Apple Music and Spotify. However, Apple Music offers a light, colorful theme, exclusive content, and better audio quality. You can base your decisions on these criteria.

Apple Music vs Spotify – Which one should I get?

If we look closely at the core parameters, there is hardly any significant difference between Apple Music and Spotify. They have nearly similar UI, subscription plan costs, and content offerings with a few different elements. One of the main perks of Apple Music is its superior audio quality, with support for Lossless audio and Dolby Spatial Audio.

On the other hand, Spotify takes the lead by offering users a free version of the app. The cost of the individual plan is also lower compared to Apple Music. Moreover, Spotify offers its community more exhaustive social media integration than its Apple counterpart.   

Whether it’s your first time using Spotify or Apple Music, or you plan to switch from your current app, this article will help immensely. Here, I have covered important aspects of both apps without any bias. I hope this comparative analysis will help you find your perfect musical companion easily.  

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Author Profile


Srishti is an avid writer who loves exploring new things and letting the world know about them through her words. With a curious mind, she will let you move through the nooks and corners of the Apple ecosystem. When not writing, you can find her gushing over BTS like a true BTS Army would.

Top 8 Soundcloud Alternatives To Discover Indie Music

For almost a decade, SoundCloud has provided budding musicians with a great indie alternative to commercial streaming services such as Spotify or Tidal to get their music into the public domain. The internet’s biggest indie music platform, SoundClound, lets artists upload their tracks to the site, helping them reach their listeners directly by cutting out the middleman – the record labels. It also provides a great platform for indie music enthusiasts to discover new and offbeat music that commercial music labels may not always be interested in. However, as recent events have shown, the platform’s financial troubles is putting its very existence in jeopardy. It survived a close call earlier this month when a $170 million dollar emergency funding stopped it from having to pull down its shutters, but unless the company can figure out a better way to make money, who knows when these issues might crop up again. That being the case, if you’re an independent musician looking for a platform to host your music or an audiophile searching for a great new platform to discover new beats, here’s our list of the 8 best SoundCloud alternatives you should check out:

1. Bandcamp

Bandcamp is probably the first name that comes to mind when you talk of SoundCloud alternatives. It is a music publishing platform that has been around for over a decade. Like SoundCloud, it also caters to indie artists for the most part, and is often the first port of call for musicians looking for an alternative to SoundCloud. Artists who sign up with the service are provided with their own customizable microsite where they can upload and share their music. As a fan, you can stream all tracks for free, but can also choose to buy either entire albums or individual tracks at prices that you set yourself. You can also donate to an artist or receive a free track or album by joining the artist’s mailing list.

Unlike SoundCloud, musicians don’t need to pay a fixed yearly amount to Bandcamp to upload their music. The company charges a 15% commission until your overall sales reach $5,000, after which, the commission drops to 10%. Each artist’s page on the Bandcamp website also features information on the artist, their social media links, merchandising links and a list of their available music. The service was a website-only platform until 2013, when the company launched its mobile apps for Android and iOS.

2. Audiomack

Primarily known as a hip-hop platform until now, Audiomack is one of the top SoundCloud alternatives on the internet and, has been gaining a cult following among producers and DJs in recent times. The site’s design borrows heavily from the familiar SoundCloud website, and so does its list of features for the listeners. That being the case, you’ll get to share, like/favorite, repost and add to playlist any track you like, just like SoundCloud. However, unlike SoundCloud that charges users $180 per year for unlimited storage, Audiomack is completely free, with no premium accounts.

Audiomack is also just the third platform after SoundCloud and BandCamp to integrate its services with influential music blog aggregator Hype Machine. As of now, Audiomack claims to have over 5 million monthly users, and its mobile app is also extremely popular both on Android and iOS. It remains to be seen if the service will ever match up to the popularity and ubiquity of SoundCloud, but it is surely on the right track.

3. YungCloud

While YungCloud has all the makings of an effective SoundCloud alternative, there are a few things that are holding it back right now. One of the major complaints about the platform has been the relatively high number of bootlegs that exist unabated. The company will obviously have to tackle this problem seriously if it wants to be taken seriously by musicians from around the world. Secondly, the service’s relatively small user-base is also a problem for indie artistes who want their music to reach as many listeners as possible. However, once YungCloud tackles these issues, chances are, it will be a more effective SoundCloud alternative than it is at the moment.

4. ReverbNation

ReverbNation describes itself as an online platform that “helps artists grow by introducing them to music industry partners, exposing them to fans, and building innovative tools to promote their music”. Like SoundCloud, ReverbNation has also been around for a long time, but unlike its biggest competitor, it focuses on local indie artists and towards that end, informs users of everything happening in the music scene in their neighborhood. The platform also seeks to connect local artists with local fans, and provides a solid platform for musicians to establish a stable platform in their hometown before venturing out for bigger and better things.

Like SoundCloud, ReverbNation also allows users to discover music based on their tastes. As part of ReverbNation’s focus on local indie artists, the service also has a ‘Shows’ feature that provides users with a list of shows and events happening near them. Overall, ReverbNation may not be as popular as some of the more well-known names in the business, but is certainly worth checking out as a SoundCloud alternative.

5. HearThis

Apps: Android, iOS

6. Orfium

Orfium is a fast-rising online music publishing platform that offers musicians direct upload and unlimited free hosting. You also get the opportunity to promote, sell, distribute, license and monetize your music while retaining 100% of your copyright, which means you’re entitled to collect royalties every time your music is played on YouTube, Facebook or elsewhere. Orfium charges a commission of just 20% on your earnings once your content starts generating revenue and, unlike SoundCloud, you don’t have to pay anything to upload your music to the platform.

As for the fans, the Orfium website feels similar to SoundCloud insofar as it has tabs for albums, tracks and playlists. The service also offers a ‘Discover’ feature similar to that of SoundCloud’s, but you can also search for music manually by genre, sub-genre and mood. Overall, Orfium has got everything going for it, and it shouldn’t be long before it attains critical mass, given how fast it has risen this much in such a short span of time.

7. NoiseTrade

NoiseTrade is a Nashville, TN-based service that offers a way for independent musicians to upload their songs and share their albums with fans for free, much like SoundCloud. The platform also offers a similar feature for authors, but I didn’t quite give it any more than a cursory glance, so will refrain from making any statements about it at this stage. While the platform aimed at authors is a relatively new rollout, the service for musicians has been in existence for almost a decade, having been launched back in 2008 by American singer-songwriter Derek Webb and a few other musicians. According to NoiseTrade’s official website, the platform was “designed to help artists build their audiences by distributing free music in exchange for fan data (email & postal code)”.

NoiseTrade allows artists to upload their music that can then be downloaded by fans for free. In return for their free music, fans need to signup with an email ID and a Zip/Postal code and subscribe to an optional newsletter. Fans are also encouraged to share an artist’s work on social media and can pay the artists any amount of their choosing. NoiseTrade keeps a 20% commission, so artists get to keep as much as 80% of the money they receive from their fans.

8. Jamendo

Bonus: Mixcloud

All the aforementioned sites are fairly similar to SoundCloud in more ways than not, but Mixcloud is a little different from most of them. Unlike SoundCloud (and its alternatives mentioned herein), Mixcloud is aimed more at podcasters, talk show hosts and DJs than singers and musicians in general. That because you don’t really get to upload entire albums at one go, but only one track at a time. Sure, you can upload your original music one track at a time, but it is highly inconvenient for both the artist and the listener.

Unlike SoundCloud, Mixcloud does not establish any connection between creators and consumers, but allows users to discover content by searching for an artist’s name from the site’s built-in search option. It is not remotely as intuitive or feature-rich as SoundCloud, Bandcamp or Audiomack, but gets the job done for the most part. In a word, Mixcloud is great if you are a radio talk show host or a podcaster, but if you’re a musician looking to connect with your fans, there are better services available for you on the internet.

SEE ALSO: 10 Best Android Music Players You Can Use

The Best SoundCloud Alternatives on the Internet

8 Best Expense Cards For Contract Employees (2023)

Expense cards save you from complications of reimbursement, overspending, and confusing receipts. These cards also let you track every transaction, set limits beforehand, block specific merchants, gain security, and much more. The transactions by employees using expense cards are made in accordance with the expense policy of the company for the staff. This gives you complete visibility into their spending.

Best Employee Expense Cards: Top Picks!

RAMP gives you the power to restrict spending on a specific vendor on a specific card or the entire organization. You can use Ramp without any fee, and it provides an unlimited number of physical and virtual cards that are accepted everywhere.


Spending limit: This expense card sets limits on a daily, weekly, monthly, yearly, quarterly, annually, or in-total. All the card limits reset according to their cycle except for the total limit.

Spending Analysis: It has a Vendor Management dashboard that gives a single detailed view of every vendor, transaction, and document. Ramp is also capable of extracting crucial details like personal credit checks from each contract, and it lets you set payment reminders.

Run on Visa: It is accepted by millions of retailers across the Globe and includes built-in fraud protections and other benefits.

Mobile app: Ramp is available for smartphones, so you can access these prepaid debit cards easily and use mobile receipt capture to check transactions, moreover, it also lets you view the expense policies.

Connect banks: You can connect with any bank like US Bank, Citi, M&T, Wells Fargo, and other 60+ banks.

Integrations: It lets you automate with useful integrations like Xero, Quickbooks, NetSuite, Sage, etc. Ramp also integrates with Slack, 1Password, and many other tools and simplifies managing expenses and cards.

Security: Securely onboard cardholders with the help of Microsoft Azure, Okta, and Google Suite. You can also use 1Password to simplify managing numerous passwords and prevent unauthorized access with two-factor authentication.

👍 Pros 👎 Cons

It provides suggestions for savings. Bill pay may not be available in a few states.

You will receive an unlimited cashback of 1.5 % with every purchase. It doesn’t work on Chrome.

It doesn’t charge for set-up, annual, or replacements.


Here are the pricing plans of RAMP

Annual Fees Free

Transaction Fees Free

Foreign Transaction Fees Free

Cash withdrawal Fees Free

Hidden Fees No

Key specs:

Card Acceptance: All the places where Visa is accepted.

Wise is an expense card for organizations that has international operations or need their employees to travel frequently. It lets you set up a local account for your company in more than 40 currencies and simplify employee expenses.

This way, customers from overseas can make payments at the same speed as a local transaction. You can also choose from over 170 countries and pay your international staff.


Spending limit: The limit per transaction for Chip and Mobile wallets are Maximum of 10,000 for a single payment on a daily basis and a max of 30,000 monthly. This limit varies according to the type of transactions like online purchases, ATM withdrawals, etc.

Card for everyone: The employee can order a card for only 3 GBP, and you can pre-set their spending limit and track their expense.

Bird’s eye view: You can view all the transactions and spendings at once in a centralized location. It gives you a full breakdown of the transaction with filters like payment method.

Use instantly: Once you order the Wise physical expense card, you will receive the virtual card in your application so you can start using it immediately. You can also have three virtual cards for managing different purchases.

Integrations: It integrates with all well-known accounting software like Quickbooks, Xero, FreeAgent, and many more.

No fees: With Wise, there are no monthly subscription fees or contracts. You will also not require to pay for any foreign currency transactions.

Security: Wise has a dedicated team of experts that protects your money. It also has a 2-factor authentication and keeps the money only with a reputed financial institution. You can also mask your physical card numbers for extra privacy.

👍 Pros 👎 Cons

You can freeze your card within the Wise app after every purchase. It has limited customer support.

It lets you apply for replacement cards instantly if you think your card has been compromised. Sometimes, its mobile app may have a problem confirming the payment.

Highly accurate conversion rates.


Here are the pricing plans for Wise

Annual Fees Free

Transaction Fees 0.43% (varies by currency)

Foreign Transaction Fees 0.43% (varies by currency)

Cash withdrawal Fees 1.75% (If withdrawn over 200 GBP)

Hidden Fees No

Key specs:

Card Acceptance: Online, In-Store, VISA/ MasterCard Merchants, and ATMs. Additionally, accepted on Google Pay, Apple Pay, and other well-known digital wallets for contactless payment.

US Unlocked makes shopping on US sites easy from anywhere in the world. Unlock all your favorite US retailers no matter where you are without needing to go through a complicated process.

Using US Unlocked is simple, you can access your card details simply by entering your three-digit pin. Once you have access, you can start using it like any debit or credit card.


Spending limit: This expense card has one of the highest spending limits for all kinds of purchases. It may be subscriptions for US streaming platforms, online shopping sites, etc.

Spending analysis: US Unlocked offers detailed reporting of all transactions along with Admin tools that help in tracking expenses.

Easy to use: You can load the US Unlocked account and pay a one-time activation fee to start. It is then available to use once the first account load is cleared.

Discounts: With US Unlocked, you will get access to the best tools that will assist in saving money on US shopping sites. You will find ways to get the best discounts and lowest prices.

Security: It is highly secure and also an ideal choice to achieve total control. US Unlocked provides a safe platform for all kinds of online tractions and hides your financial and personal details.

👍 Pros 👎 Cons

You can get merchant-specific cards. Replacement cards cost $5

It has a virtual assistant, Ask Ruby, that answers your transaction history queries.


Here are the pricing plans for the US Unlocked card

Monthly maintenance Fee $3.50

Transaction Fees $0.50/transaction

Load fee starting $3.50+ 3.00% load

Unload Fee $11.50

Hidden Fees No

Key specs:

Card Acceptance: Thousands of US online retailers

Ironvest protects your transactions and helps in checking out securely from anywhere online. These virtual cards can be funded using your bank ACH or real credit card. It masks all your details when you use your cards, emails, and phone numbers for any kind of transaction.

This employee expense card has a biometric security and privacy app that manages passwords and makes sure only you can access your confidential information.


Shop online securely: Leaving information on shopping sites makes your card easily accessible to hackers. Ironvest keeps all your personal information hidden so you can shop anywhere safely.

Spending limit: IronVest has a spending limit that is assigned by the system once you verify your card. Once verified, the support lets you know the card’s limits.

Convenience: Canceling credit cards can be challenging if it gets lost or stolen. If your IronVest card gets stolen, you don’t have to worry, as your details remain masked.

Data control: All your password and username remains safe with these expense management cards. It has a decentralized blockchain infrastructure that makes sure your data is not captured by vulnerable sites.

Always online: IronVest remains online all the time to protect your information. It uses live biometrics for monitoring passwords to make sure it’s actually you.

Security: Its biometric information and tokenized credentials provide extra security. IronVest also uses host-proof-hosting, thus, even its team cannot access your details.

👍 Pros 👎 Cons

You can create an unlimited number of masked emails with higher plans. It doesn’t have a desktop app.

It offers anti-phishing protection. IronVest is expensive compared to other expense cards.


Here are the pricing plans of Ironvest

Plans IronVest Essential IronVest Plus IronVest Ultimate

Masked emails 3 50 Unlimited

Biometric account protection No Yes Yes

2FA protection No Yes Yes

Pricing Free $5.95 $14.95

Hidden fees No No No

Key specs:

Card Acceptance: VISA / MasterCard / AMEX and other credit card companies, it is accepted only online.

You can get its expense cards and payroll cards with real-time card issuing. Wallester has a contactless payment option, and is perfect for online shopping.


Spending limit: These virtual expense cards allow you to set spending limits so your employee can make purchases without fearing budget overruns.

Express delivery: You can create unlimited physical cards and deliver them to any part of the Globe. It delivers cards to you at the fastest rate and lets you use the digital version while you wait.

Worldwide payments: It helps you pay with cards no matter where you are. Wallester is accepted in all the countries that use VISA cards.

No commission: You can make payments in EUR without any commission or other currency. It converts all your payments automatically.

Financial management: Get detailed corporate expense reports, monitor transactions, approve payments, upload invoices through mobile app, and much more.

Individual integration: Wallester gives individual integration for every card that helps in expense management, automates payments, and does your financial accounting.

Security: With Wallester cards, you can get a multi-level 3D secure 2.0 system. It also has instant notifications that reduce fraud risks.

👍 Pros 👎 Cons

Wallester app can take a photo of the invoice. No notifications to alert when the balance is running low.

It has an API connector that connects it with any online service.


Here are the pricing plans for Wallester virtual card

Plan Name Free Premium Platinum

Virtual cards 300 300 15,000

Physical cards Unlimited Unlimited Unlimited

Pricing monthly Free €199 €999

Hidden Fees No No No

Key specs:

Card Acceptance: Visa, digital wallets, debit, credit

Divvy provides virtual cards for your business expenses and helps in managing subscriptions and shopping online for office supplies. You get a unique card with every vendor, and you can also avoid overcharges and fraud.

It lets you manage subscriptions in one place by creating a specific card for every vendor and allows you to set limits. You can also view all the online purchases as it notifies every swipe that your employee makes.


Spending limit: You can see how much expenses were made on a card and set hard limits. Setting limits reduces exposure, and its forced expiration dates protect against overcharges. You can also create cards for each vendor to spend accurately and limit amounts on them.

Unique card number: Every card of Divvy corporate credit card has a unique 16-digit number, but you can control how many credit lines a specific vendor can access.

Tracking: It lets you track all spending in real-time, including the card charges, so you know where and how much was spent.

Notifications: When someone spends using a virtual corporate credit card, they are sent a notification to fill out the required custom fields needed for accounting.

Integrations: Divvy integrates with applications like Sage Intacct, Quickbooks accounting software, Oracle, etc. Its team matches your chart of accounts by customizing Divvy.

👍 Pros 👎 Cons

You can freeze individual cards. The support after implementation is not up to the mark.

It lets you send payments with extra control.

You can easily move funds around.


Here are the pricing plans of Divvy

Annual Fees Free

Transaction Fees Free

Foreign Transaction Fees Free

Cash withdrawal Fees Free

Hidden Fees No

Key specs:

Card Acceptance: Visa and Mastercard accepting platforms

7) Pleo

This virtual card gives you complete visibility into your spending, and it includes automated expense reports. Pleo lets you track, review and reimburse money that you owe to your staff. It also allows you to manage and pay invoices instantly with its automated solution.


Individual spending limits: You can set individual spending limits per employee and per purchase to have more control over expenses. It also lets you freeze and cancel cards anytime, unlike regular personal credit cards.

Set limits: Pleo allows two types of limits on its cards, the first is monthly, totally, or limitless, and the second is limited per purchase.

Automation: Save as many hours as possible by changing your receipts into digital format and automating expenses and invoices.

Security: It is certified by PCI DSS (Payment Card Industry Data Security Standard), hence, your data and money are always safe.

Integrations: Pleo directly integrates with Quickbooks accounting software, DATEV, Xero, economic, etc. It also has a customized CSV export feature that works with numerous cases.

👍 Pros 👎 Cons

You get your first three Pleo cards free of cost. You may face outages at times during payment.

It lets you track and review all kinds of spending in real time.


Here are the pricing plans for Pleo

Plan Name Starter Essential Advanced

Cards Plastic and virtual Plastic and virtual Plastic and virtual

Cashback No 0.5% 1%

Pricing monthly Free $39 $79

Hidden Fees No No No

Key specs:

Card Acceptance: Wherever Mastercards are accepted.

8) Privacy

Privacy lets you shop securely and masks all your card details with automatically generated virtual card information. It allows you to block overcharging and all kinds of unwanted subscriptions. You can check out quickly with its extension that auto-fills your secure card numbers.


Spending limit: Privacy lets you customize the amount of a card and how many times it can be used on a daily, yearly, monthly, and total basis. The spending limit also helps you avoid overcharging and hidden fees.

Merchant Locked cards: The Privacy cards lock to the first merchant where they are used, so if this seller is compromised, your card number becomes unusable everywhere else, which provides an extra layer of security.

Flexibility: You don’t need any other bank or credit card application to use Privacy. It doesn’t require any minimums, perform credit pulls, and you have no fear of debts and interest rates.

Block hidden fees: It lets you create a limit on each card and lets you block double charges and hidden fees on repeated expenses. In case the spend crosses the limit, it auto declines.

Security: It uses virtual cards instead of credit and debit cards. Privacy is a PCI-DSS complaint and has the same security as a bank.

👍 Pros 👎 Cons

Get 1% cashback on your purchases In the free plan, you cannot mask your transaction information

It includes a dashboard that gives real time alerts when the card is used.

Pause and unpause the cards as you like.


Here are the pricing plans for the Privacy expense card

Plan Name Personal Pro Teams

No. of cards 12 36 60

Cashback No 1% 1%

Pricing monthly Free $10 $25

Hidden Fees No No No

Key specs:

Card Acceptance: Online shopping, wherever credit cards and debit cards are accepted.


Expense cards are prepaid cards that help employees conveniently spend within the limits set by the company. This helps the organization control employee spending and gives financial convenience to the employees while also offering transparency to the company.

There are two types of expense cards:

Single-use cards: Used for one-time online payments.

Recurring cards: For regular recurring payments and subscriptions

Limit cards: These cards let you set a daily, monthly or total expense limit.

Some of the tips to manage expense cards effectively are:

Set different types of spending limits.

Select cards with cashback offers.

Track your expenses.

Use separate expense cards for recurring expenses.

Connect it with expense management software.

Some of the drawbacks and limitations of expense cards are:

Possible overspending if there are no proper limits set and expense management, is overlooked.

Technical problems and lack of support, even during emergencies.

Misuse of cards and fraud, and unauthorized transactions.

The main difference between prepaid and virtual expense cards is that prepaid cards can be used in-store, while virtual can only be used for online transactions.

Best Employee Expense Cards: Top Picks! Verdict

All the above expense cards provide a reliable service and are a trusted platform. However, here are our top recommendations:

We recommend Ramp as one of our top choices as it is an entirely free expense card that doesn’t charge for any transactions.

Wise is also a reliable expense management platform as it has minimal charges.

Finally, IronVest is also a good option as it provides one of the best securities for its users.

6 Fun Online Games For The Geography Geeks

Maybe you’ve just discovered the Google Maps version of “Where in the World is Carmen Sandiego” and are disappointed at how soon it was over/how easy it was. Maybe you’re a geography nerd looking to hone your skills. Maybe you’re just bored and looking for a lightly educational way to waste some time. No matter, you’ve come to the right place: the Internet is full of ways to learn more about the world we live in.

1. Where in the World Is Carmen Sandiego? on Google Earth

2. GeoGuessr

Ever want to get dumped onto a road in the middle of nowhere and have to figure out where you are using only the information you can glean from your surroundings? If you’re not sure how you’d feel about that, you can find out on GeoGuessr, a game that randomly picks locations on Google Street View and asks you to guess where in the world you are. It’s well-designed, plays smoothly, and comes with lots of features, challenges, and even leagues for playing against others. It does have an unfortunate habit of dropping you into the middle of forests, though, so you may have to do some travelling before coming across street signs or signs of life.

3. Sporcle Geography Quizzes

Sporcle isn’t just for geography – it’s a general quiz website – but their geography section is excellent. The huge selection of quizzes will test you on pretty much any geographical category you can imagine, and you’ll probably run into more than a few that make you question whether you have the right to call yourself a geography geek.

4. Seterra

Do you like finding things on maps? Seterra has many maps and many things to find, so it’s worth checking out if you get a rush out of correctly identifying every region of Colombia. They also have apps for Android and iOS.

5. Language Squad

If you’re into geography, chances are you also enjoy dipping your toes into other languages. Language Squad is a minimalistic but very usable site that challenges you to identify a language using either an audio clip or its alphabet. Think you can tell the difference between Bengali and Tamil? Lao and Thai? Good luck with that!


This site promises to teach you “every country, state and province on earth,” which may be a bit of a grandiose claim, but if learning names of places through determination and repetition is your thing, you’ll love the format on this site. When I started I could identify about half of South Korea’s provinces. I will now never forget the difference between North and South Chungcheong, even though I feel like they should have gone with “East and West Chungcheong.”

Can’t Travel? You Can Still Learn!

Booking tickets and putting your feet on the ground will always be the best way to really get to know an area, but if that’s not exactly in your money or time budget, an Internet connection can still take you a long way from home! GeoGuessr lets you explore parts of the world you wouldn’t even think to go see in person, Sporcle will make you an absolute beast at maps and trivia, and Language Squad will introduce you to more alphabets and languages than you probably knew existed. Who knows – all that knowledge might come in handy one day if you get kidnapped and/or threatened by a roaming gang of geography nerds whose only weakness is correctly naming Central Asian capitals.

Image credits: World Map Internet

Andrew Braun

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Predictive Modeling With Python Course (8 Courses, Online Certification)

About Predictive Modeling with Python Course

Course Name Online Predictive Modeling with Python Course

Deal You get access to all videos for the lifetime

Hours 31+ Video Hours

Core Coverage Learn how to analyze and visualize data using Python libraries.

Course Validity Lifetime Access

Eligibility Anyone who is serious about learning predictive modeling and wants to make a career in the data analytics field

Pre-Requisites Basis Statistical concepts and predictive modeling knowledge

What do you get? Certificate of Completion for the course

Certification Type Course Completion Certificates

Verifiable Certificates? Yes, you get verifiable certificates for each8 course, Projects with a unique link. These link can be included in your resume/Linkedin profile to showcase your enhanced skills

Type of Training Video Course – Self Paced Learning

Software Required None

System Requirement 1 GB RAM or higher

Other Requirement Speaker / Headphone

Predictive Modeling with Python Course Curriculum

Serial No Course Name Duration Description

1 Predictive Modeling with Python 9h 44m In this module, you will get an introduction to Predictive Modelling with Python. You will be guided through the installation of the required software. Data Pre-processing, which includes Data frame, splitting dataset, feature scaling, etc. You will gain an edge on Linear Regression, Salary Prediction, Logistic Regression. You will get to work on various datasets dealing with Credit Risk and Diabetes.

2 Machine Learning with Python Project – Predict Diabetes on Diagnostic Measures 1h 07m In this section, you will work on Pima Indians Diabetes using Machine Learning. You will be guided through the installation and will have practical lessons on Pima Classification, Splitting Dataset, Checking the ROC.

3 Project – Linear Regression in Python 2h 15ms You will be introduced to Linear Regression in Python in depth in this module. You will be learning about the use case and libraries and also regarding the graphical univariate analysis. Along with that, you will be taught Boxplot, Bivariate Analysis, etc.

4 Project on Python Data Science – Predicting the Survival of Passenger in Titanic 2h 11m Here you will learn about Import Libraries, Decision Tree Classifiers, Logistic Regression, Load libraries, bar plot, modeling, training set, etc.

5 Financial Analytics with Python 2h 11m This section emphasizes on the use of Python Libraries and the working of the Data Frames. In-depth study of Analytics and Financial Time series analysis along with data visualization, financial plots, and 3D Charts.

6 Project – Credit Default using Logistic Regression 3h 9m You will explain in detail about the project, the files that need to be imported, data pre-processing, splitting data, and confusion matrix. Topics like Hyper Parameter Tuning, Decision Tree Theory, Installation of Graph viz and Pydotplus, etc

7 Project – House Price Prediction using Linear Regression 2h 8m This project helps you to focus on coding feature engineering, handling missing values, exploratory data analysis, calculation variation inflation factor, etc.

8 Forecasting the Sales using Time Series Analysis in Python 2h 29 m This project emphasizes and will give you more insight into data processing and feature engineering along with graph visualization components.

Predictive Modeling with Python Course – Certificate of Completion

What is Predictive Modeling with Python?

Python is used for predictive modeling because Python-based frameworks give us results faster and also help in the planning of the next steps based on the results.

Which Skills will you learn in this Training


Our course ensures that you will be able to think with a predictive mindset and understand well the basics of the techniques used in prediction. Critical thinking is very important to validate models and interpret the results. Hence, our course material emphasizes on hardwiring this similar kind of thinking ability.

You will have good knowledge about the predictive modeling in python, linear regression, logistic regression, the fitting model with a sci-kit learn library, the fitting model with stat model library, ROC curves, backward elimination approach, stats model package, etc.


To get started with Predictive Modelling with Python a solid foundation in statistics is much appreciated. It takes a good amount of understanding to interpret those numbers to understand whether the numbers are adding up or not.

Along with the above-mentioned knowledge, one must know to code in Python.

Knowing SQL also acts as a complementary skillset.

Even if someone is not well equipped with the above-mentioned skill, it should not act as a hindrance as everything is possible with an honest effort and strong will.

Target Audience

This Predictive Modeling with Python Course can be taken up by anyone who shares a decent amount of interest in this field. The earlier someone starts the further they can reach. In the case of students who are pursuing a course in statistics, or computer science graduates it is a very good opportunity to direct your career in that direction. As this is a much demand skill every IT professional is looking for a good switch and entering the domain of predictive analysis.

After successfully having hands-on with Predictive Analysis you get open up career opportunities within job roles like that of a Data Analyst, Data Scientist, Business Analyst, Market Research Analyst, Quality Engineer, Solution Architect, Programmer Analyst, Statistical Analyst, Statistician, etc.

Predictive Modeling with Python Course – FAQ’s How is predictive modeling different from that of forecasting?

In Predictive modeling, we use data mining and probability to forecast the outcomes. There are several predictors which are variables that influence future results. Once the data is fetched for relevant predictors, a statistical model is formulated.

Do I receive a certificate at the end of completing this Predictive Modeling with the Python Course?

Yes, a certificate is handed out on completing the online training bundle. You can issue for the certificate once you have completed 70% of the course content for this particular course.

I am a working professional, is this Predictive Modeling with Python Course for me?

This is a self-paced course and this can be taken up by anyone who has interests in this subject and can be completed even from the comfort of your home.

Sample Preview

Career Benefits

Predictive modeling is a field which has immense growth in line in due years to come due to the definite explosion of data that we are noticing. In the year 2023, it was forecasted by IBM that the demand for data scientists and analytical professionals will grow by 15% in the year 2023.

Many companies have realized the importance of using predictive modeling for their business but currently, there is a shortage of skilled professionals. A substantial amount of salaries is offered to people with this skillset because of the nature of the job.

The demand for qualified candidates is increasing at a significant rate.

It is the right time to invest in learning for such a niche skill as the market for predictive analytics is not coming down any sooner. EDUCBA is the right platform for getting you to achieve your goals as we understand the need of the industry and update our course and course content accordingly.


Great course


Nyckees Daan

Predictive Modeling


Lee Tze Hui

Glad that I enrolled


Rakibul Hossein

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