Spendesk

Spendesk is a spend management platform that Paris-based Spendesk founded in 2016. It brings company spending into one tool. It issues unlimited physical, single-use and recurring virtual cards, and reads receipts with OCR to handle expense claims and reimbursements. Spend is assigned to budgets in real time, and the data is pushed to accounting systems such as Xero, QuickBooks (US only), NetSuite, DATEV, Exact Online, Microsoft Business Central, Odoo and Pennylane. Optional modules add accounts payable and procurement. The AP module uses AI to extract invoice fields, routes approvals by amount, matches invoices against purchase orders, and pays suppliers in more than 70 currencies. In France, Spendesk is registered with the DGFIP as a receive-only approved e-invoicing platform. It is built for finance teams at European mid-sized companies, including groups with several entities. Spendesk Financial Services is licensed by the French regulator ACPR as a payment institution. Spendesk does not publish prices. The base Foundations plan has a fixed monthly platform fee plus fees that vary with transaction volume. There are no per-user fees and no card fees. Procurement, accounts payable, advanced workflows, advanced multi-entity management, HR and ERP integrations, and AI fraud detection are add-ons, each quoted separately. Spendesk connects to more than 15 HR systems, including HiBob, Personio and Workday, and also offers TravelPerk, Slack, Okta and Entra ID SSO, an open API, and an MCP connector for AI assistants. The main drawback is that buyers can't compare costs without a sales call. Some reviewers also report blocked or declined card payments, slower support than before, and sync problems with ERPs such as NetSuite. Spendesk does not replace an accounting ledger and cannot issue sales invoices.