Last updated
Unify corporate cards, expenses, invoices, procurement and budgets with real-time control and automatic receipt capture for finance teams.
All company spend in one platform: smart corporate cards, expenses, accounts payable, procurement and budgets. French payment institution regulated by the ACPR.
Spendesk brings all company spending into one platform: corporate cards, expenses, invoices, procurement and budgets, with real-time visibility for finance teams. Employees pay with smart cards under preset controls, receipts are captured automatically (98% capture rate), and finance closes the month days faster because the data is already clean.
The platform automates the full spend workflow: approval chains before money leaves, automatic receipt matching after, AI-suggested bookkeeping entries, and exports into Sage, Xero, NetSuite, SAP and other accounting systems. Multi-entity management consolidates spend across subsidiaries, and budget guardrails stop overspending before it happens.
Key benefits:
- Smart corporate cards physical and virtual, with per-card controls
- 98% receipt capture through automatic reminders and matching
- Accounts payable automation from invoice intake to payment
- Procurement workflows with approvals before commitments are made
- Budget guardrails that enforce limits in real time
- Accounting integrations with Sage, Xero, NetSuite and SAP
Spendesk is a French company; its payment services arm, Spendesk Financial Services, is a payment institution licensed by the ACPR, the French banking regulator. Built, regulated and profitable in Europe, as the company puts it, and operating under the GDPR.
Trusted by more than 3,000 finance teams across the continent.
Categories
European alternative to
Head-to-head comparisons
See how Spendesk stacks up side-by-side against the non-EU incumbent on jurisdiction, GDPR, pricing, and features.
Similar European alternatives
PayFit
Automate payroll and HR with country-specific compliance built in: payslips, declarations, leave, expenses and an AI copilot for your questions.
Qonto
Business account, invoicing, expense management and financing in one platform built for European freelancers, startups and SMEs.
Adyen
One platform for payments, data, and financial products — 150+ currencies, 200+ payment methods, built to scale globally.
Mollie
Online and in-person payments for European SMEs — iDEAL, SEPA, cards, and recurring billing through one clean API.
Payplug
French payment gateway with native Cartes Bancaires support — 92.5% acceptance rate, frictionless 3DS, omnichannel dashboard.
Mangopay
Wallet-based payment infrastructure for marketplaces — multi-currency wallets, KYC/KYB compliance, and multi-party payment splits.