Spendesk

Spendesk is a business spend platform that combines corporate cards, procurement, supplier payments, expense management and reimbursements, with an API. Spendesk Financial Services, a payment institution supervised by the ACPR (licence reference 17518), issues the European Visa cards. The authorisation is stated on the provider's own website.

Who issues the cards Issuing differs by region. EEA cards come from Spendesk Financial Services, UK cards from Adyen and US cards from Sutton Bank. A buyer should therefore check which issuer and which terms apply to their country of operation.

Services The listed services are corporate cards, spend management, procurement, accounts payable, expense management and an API. Teams can request purchases, approve them and pay suppliers or employees within one tool, which reduces use of shared company cards and manual receipts.

What to clarify Pricing, card limits and plan structure are not in the available facts and should be requested. Companies with entities in several countries should ask how one account is arranged across different issuers.

Who it suits Finance teams of growing companies in Europe, and groups with UK or US subsidiaries, that want to give departments controlled spending power and automate approvals and bookkeeping.