Business expense cards

Personal credit cards are easy to misuse due to the lack of boundaries around spending. Business credit cards are hard to track since you'll typically only receive statements at the end of each month (which could be too late). Plus, they can affect the credit score of the entire company- since each company credit card is linked to a sole line of credit.

Even typical debit cards create problems as they are all linked to the same account- it's hard to keep track of the purchases of each employee. Instead, company expense cards (powered by Mastercard) allow you to establish a request and approval purchase for every purchase, if necessary.

Spendesk expense cards don't offer cash back. Instead, they save the company money and effort by reducing fraud and ensuring that all business spending is approved in advance. And employees love not having to manage receipts and expense claims manually.

Our all-in-one platform allows you to access billing, invoicing, and reporting seamlessly. Automate VAT extraction, receipt reconciliation and significantly reduce your month-end close by creating spending rules and workflows. Export your data to third-party platforms (like Quickbooks, Xero, or Sage) to manage your financial information easily.

Every individual cardholder will have their own spending limits as set by their individual manager or the finance team. Tops ups are available and can be requested by the employee, for example, in the case of an emergency purchase. The only limit to this is set and controlled by the team member in charge of approval.

1. Control overspending. Manage debit limits and create spending rules to ensure that the finance team can manage their budget while employees continue to feel trusted.

2. Speed up month-end. Spendesk's intuitive platform includes automated receipt reconciliation and integration with accounting software. Take advantage of real-time spending notifications with the business expense cards to speed up your month-end and close accounts quickly.

3. Easy approval. Enjoy a seamless flow between finance teams, managers and employees. Enable your staff to request top-ups outside of their usual spending limits and support them by providing extra funds when necessary.

There is no charge to make unlimited transactions through employee expense cards. There is also no monthly or annual fee to deposit money into the cards; since we're using a centralized account that is not linked to your business bank account.

Learn more about pricing.