Give everyone who buys things a card that already knows the budget, the vendors, and the limit. Marketing gets one capped at the ad spend you signed off on. The new hire gets one for software and nothing else. Receipts match the moment a card swipes, the right code lands in QuickBooks, and month-end stops being a scavenger hunt — because the control happens before the purchase, not in a spreadsheet three weeks after it.
Spend runs on Spendwise at
Cards, reimbursements, and vendor bills used to live in three places and reconcile in none of them. Spendwise puts every outflow on one ledger, so what you approved and what actually got spent are finally the same number.
Issue a virtual card in ten seconds or a physical one by mail, then set the budget, the merchant categories, and the per-transaction cap before it ever swipes. A card for the conference covers the hotel and the flights and declines the minibar. The limit lives on the card, not in a policy doc nobody reads.
Forward a receipt, snap a photo, or let Spendwise pull it straight from the inbox. It pairs to the swipe automatically, flags the few that are missing, and chases the stragglers on Slack so you never have to.
Every transaction lands pre-categorized with the GL code, the vendor, and the memo, then syncs to QuickBooks or Xero on a schedule you set. Month-end becomes a review instead of a rebuild from zero.
Upload a vendor invoice and Spendwise reads the amount, routes it for approval, and pays it by ACH or card on the due date — not a day early, not a week late.
Freeze a card the second someone leaves, bump a budget for one big month, or kill a subscription you forgot you were paying for — all without a call to the bank or a ticket to finance.
What a card with rules on it actually changes.
One ordinary Tuesday purchase, decomposed. Every step that used to be a form, a forward, or a follow-up is now something the card already handled.
Maya gets a virtual card capped at the ad budget you approved, locked to three platforms. No company card passed around, no "is this okay to expense" in the group chat.
She buys $1,420 of Meta ads. It's inside the limit and on an allowed vendor, so it clears in a second. A minibar charge on the same card would simply decline.
The invoice hits her inbox and Spendwise pulls it, pairs it to the swipe, and files it. Nobody photographs anything or digs through email at month-end.
The charge lands tagged Advertising with the correct GL code and a memo, following the rule you set once — not a guess your bookkeeper makes three weeks later.
It posts to QuickBooks on schedule with the category mapped, so reconciliation is a glance down a column, not an afternoon of matching lines.
There is no expense report. The trail is the transaction itself: who, what, how much, against which budget, with the receipt attached and the books updated.
Most tools show you what already happened. Spendwise puts you upstream of the swipe, so a budget is a guardrail the card enforces, not a number you reconcile against once the money is already gone.
Set a monthly cap per team, per project, or per person, and the cards underneath simply stop when it's reached. No overspend to explain to the board after the quarter has closed.
Small buys clear on their own; anything over your threshold routes to the right approver in seconds, answered with one tap from their phone. The rule scales with the dollars, not the headcount.
Every recurring charge sits on one screen with what it costs a year, so the SaaS nobody opens gets cancelled the week before it renews, not the day after.
A live view by team, vendor, and category answers "where did it go" at a glance, and exports clean for the board deck without anyone building a pivot table.
“We were a shared card and a shoebox of receipts. Now everyone has their own with a real limit, and I stopped being the person hunting down what a $312 charge was for. Close went from nine days to under three.”
“The part that sold me was the declines. A card locked to our ad platforms means a junior can't accidentally buy something off-budget, because the card just says no. I'm not policing spend after the fact anymore.”
“I keep the books for eleven small companies. Spendwise is the first one where the transactions show up already coded and matched to receipts. My month-end on a Spendwise client is a sign-off, not a reconstruction.”
No annual fee, no per-card charge, no personal guarantee. You earn cash back on every swipe, and the paid tiers add the controls and approvals bigger teams need.
For small teams getting spend off a personal card.
For teams that need budgets and approvals.
For finance teams running multiple entities.
Same day. Apply in about ten minutes, get approved on your business, and start issuing virtual cards immediately. Physical cards arrive in a few business days, and your existing cards keep working until you're ready to switch.
No. Spendwise underwrites your business on its bank balance and revenue, not your personal credit, so handing the company a card never puts your own credit score on the line.
Every card carries its own rules: a spending limit, allowed merchant categories, and a per-transaction cap. A purchase that breaks a rule is declined in real time at the point of sale, before the money moves — not flagged for you to claw back later.
Yes. Spendwise syncs with QuickBooks Online and Xero out of the box, posts transactions pre-coded to your chart of accounts, and lets you map each card or vendor to the right GL code automatically.
On the Scale plan, yes. Run multiple legal entities under one login, spend and reconcile in multiple currencies, and keep each entity's books, approvals, and GL mappings cleanly separated.
Funds are held at an FDIC-insured partner bank, cards run on a major network with real-time fraud monitoring, and Spendwise is SOC 2 Type II certified with role-based access and an audit log on every change to a card or rule.
Open a Spendwise account in about ten minutes, issue a virtual card with real limits, and watch the next purchase code and reconcile itself. No fee to start, no personal guarantee, no reason to wait for the next close.