Smart Company Cards: Built to work as hard as you
See every purchase as it happens with Spendesk's smart company cards. Receipts are captured automatically and you can close your books in hours, not days
)
)
)
Built with insights from 12,000+ finance leaders in the CFO Connect community
)
Smart Cards that work for everyone
See every purchase as it happens
)
Stop sharing the company card
)
Stop fraud before it starts
)
Set the rules once, then step back
)
Get 95% of receipts without asking
)
AI that earns its place in your finance team
Employees simply upload or take a photo of their receipt and the Spendesk app reads it automatically — filling in the key details in seconds. And because it's that easy, more than 95% of receipts are submitted within two days.
AI learns from your company's past transactions and patterns. Once receipts are uploaded, the app immediately suggests the correct budget information. The more you use it, the smarter and more accurate it gets.
Duplicate or incomplete receipts are automatically detected and flagged, so there’s no more back-and-forth at month-end.
)
Full visibility on all your company card spend
Card spend overview
Complete oversight of your employees’ card payments, with spend broken down by team and cost centre, and a live view of money currently loaded on cards.
Physical card tracking
View individual team member's card budget, available funds, last payment date, and average monthly spend — making it easy to spot inactive or underused cards.
Subscriptions overview
An instant, at-a-glance view of every active subscription card across the business, all in one place. No more digging through statements or chasing colleagues to find out what's being paid for.
Subscription card reporting
Avoid wasted and accidental spend by flagging unused subscription cards and duplicate subscriptions, and ranking your top 30 subscription suppliers by spend.
Card restrictions & rejected transactions
See which users have advanced card settings applied — restricted merchant categories, time/day restrictions — and any transactions declined as a result.
Suspicious activity
Flags unusual card behaviour — potentially fraudulent transactions and anomalous spending patterns — for your finance team to review and act on.
Physical cards, for everyone
Empower employees with physical VISA debit cards that work with Apple and Google Pay, while maintaining full spending control. Every card has unique details and defined controls, linking each payment to a user for complete visibility and accountability.
)
Virtual cards for safer online spending
Trust your employees without compromising security. Choose single-use cards for one-off purchases, or multi-use cards with flexible expiry dates to suit any project or trip
)
Dedicated virtual cards for every subscription
Control recurring payments by pausing, updating, or cancelling them anytime — giving finance teams full oversight while preventing unwanted charges.
)
)
Automated bookkeeping
Let AI suggest how to categorise your expenses based on thousands of past transactions, or create your own rules.
Collect receipts and track spending
See every transaction the second it happens. Employees get a notification on their phone right after every purchase.
Manage cards from desktop or mobile
Team members can request top-ups from the mobile app, and managers can approve spending just as easily.
Spend reports, without the manual work
Filter by person, department, or budget category to understand exactly where your money is going before the month is over.
Set custom limits per card
Set budgets, block purchases by time, day, or merchant category, and turn ATM or contactless access on or off.
4.7k
Debit cards generated in 2025
95%
Receipt collection rate (vs. industry average of 60-70%)
4.5M+
Virtual cards generated
0
Shared company cards. Every card belongs to one person.
Trusted by finance teams who move fast and don’t break things
100% adoption, in under 30 days
Read the full story"I can’t imagine how our business would operate without Spendesk. We couldn’t ask for a better spend management system."
)
){kind=logo}
12x transaction volume
Read the full story“ Spendesk gives us the agility we need to manage spend and accounting at scale. Today I couldn't imagine working without it.”
Seamless integrations
Read the full story“ The friction-free NetSuite integration was one of the deciding factors for us.”
)
)
+3 days per month gained
Read the full story“ How Evaneos gains 3 days per month with automated reconciliation.”
)
What you can do with Spendesk in 90 days
Real-time control on spend, secure payment methods, clever automations, and more — making accounting a breeze.
Onboarding complete. AI begins reading documents and building your secure transaction history. Set up budgets and integrations at this stage
Bookkeeping suggestions begin appearing as confidence builds. Approval workflows configured and live.
Duplicate detection and anomaly flagging fully active. Team in review mode, not data-entry mode.
Month-end close faster than before. Data exported, books closed. Your team has time back.
What you can do with Spendesk in 90 days
Real-time control on spend, secure payment methods, clever automations, and more — making accounting a breeze.
Onboarding complete. AI begins reading documents and building your secure transaction history. Set up budgets and integrations at this stage
Bookkeeping suggestions begin appearing as confidence builds. Approval workflows configured and live.
Duplicate detection and anomaly flagging fully active. Team in review mode, not data-entry mode.
Month-end close faster than before. Data exported, books closed. Your team has time back.
)