Expend

Open your laptop on Monday and set spending rules your team can actually follow. In a few clicks, issue virtual or physical Expend cards, attach them to daily, weekly, monthly, yearly, or project-based budgets, and choose who can use them and where. Add per-transaction caps, block high‑risk merchants, and require receipts for certain categories. Map categories to your chart of accounts once, choose currencies for reports, and connect your bank feed. Invite your accountant with role‑based access so they can prep VAT and MTD tasks without chasing you for documents.

Employees don’t need a training session to get started. They pay with the Expend card and get an instant prompt to capture the receipt; the scanner lifts totals, tax, date, and merchant, then suggests the right code and project. Mileage is tracked automatically from start to stop with compliant logs, and out‑of‑pocket items can be claimed in the same flow, complete with receipts and policy checks. If a spend exceeds limits, the app explains why and offers a one‑tap request to raise the cap or reroute for approval. Time entries can be linked to expenses so project costs stay accurate without spreadsheets.

Managers get a clean review queue. Submissions arrive with receipts, merchant data, FX details, and policy status already evaluated. Multi‑level approval routes the right items to the right people; anything off‑policy is flagged with reasons so approvers can comment, request fixes, or reject in seconds. Live dashboards show burn by team, vendor, and project. At close, a reconciliation summary highlights unmatched transactions and missing documents. Push approved entries to your ledger via integrations, generate VAT summaries, and produce documentation for MTD filings with full audit trails. Reimbursements are tracked end‑to‑end, so payouts and accounting entries stay in sync.

If you manage more than one company, switch between them with one login and consistent controls. Copy policy templates across entities, compare project budgets side by side, and let your accountant move between clients without reauthenticating. Typical workflows: create a campaign card with a fixed ceiling and auto‑expire it when the project ends; issue a daily card for field teams with merchant locks and mileage tracking; give contractors a capped wallet tied to approvals; or set a travel budget per user with automatic FX recognition. Expend replaces fragmented tools with a single place to set limits, capture evidence, approve spend, reclaim tax, and close the books faster—without sacrificing control.