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Spend control

Manage and control all company spending in one place. Track every pound, euro and dollar your company spends from purchase to ledger.


  • Reduce risk

    Control who spends with pre-payment approvals and unique virtual cards.

  • Set limits

    Set company spending policies by defining teams and individual thresholds.

  • Streamline approvals

    Decentralize spend control, define approval workflows, and keep complete visibility.

  • Keep ahead of excess spend

    Access real-time spending insights and reports. Get one single source of truth.

Create individual spending controls and approval thresholds

Set up individual spending limits and team approval workflows to put budget owners in control of every transaction. Optimize and automate approvals, and move away from manual processes to review and validate purchases.

Maintain a complete transaction history

Keep a real-time audit trail of requests, approvals, invoices, and payments. Have the financial information you need at your fingertips, and eliminate the human error from manually updating spreadsheets.

Employ single-use virtual cards with spending controls

Need a safe and fast way for every employee to spend safely? Generate single-use, capped virtual cards for one-off purchases. These prepaid credit cards work for any online payment, including flights, supply orders, and other company expenses.

Choose real-time spend visibility

View consolidated data for all team transactions, in real time, with all the necessary payment information. Control cash flow and anticipate upcoming supplier payments for faster, more accurate financial planning.

Control spending on physical cards

Classic corporate cards offer limited oversight and few controls. Spendesk cards let you restrict use to specific days, during certain time slots, and for precise types of spending. Managers receive notifications for any unusual transactions, and can approve or deny if appropriate.

Effortlessly improve spending habits

Improve spending habits by setting up additional post-payment rules to block users with too many unjustified payments.

Spend control impacts the whole team

Mandana Riche


Gabrièle de Lamaze Head of Customer Success @Plezi

Martin Pannier

Product @Iziwork

Finance team

You have complete visibility over company spending, with a single source of truth via the Spendesk interface. Stay on top of company cash flow, and never get caught off-guard.


You’re notified instantly to approve your team’s spending, keeping you in control of your budget before it’s too late. Make informed decisions for your team and the business.


Spend autonomously and remotely within defined spend limits. Say goodbye to email chains and verbal approvals, and spend within the thresholds set for you.

Spend control FAQ

Some of the most common questions and answers about controlling company spend.

Spend control is a group of policies and processes a company uses to monitor and manage spending. Viewed holistically, it’s a measure of how well a business handles its costs: a high level of spend control gives companies maximum visibility over what’s spent, and lets them adjust quickly when necessary. A low degree of spend control describes companies that have little idea where money goes, and struggle to make changes when required.

More tangibly, spend controls are the limits and oversight placed on individual employee expenses. This requires a balance between overly restricting spend and offering too much leeway. If only a few select managers can spend, they become a bottleneck for the whole company. If everyone can spend with no controls, they can accidentally (or intentionally) expose the company to financial risks.

The goal is to give relative freedom to team members to spend where necessary, without losing control.

Great spend management systems combine all your key payment methods and give you one source of truth. This is crucial - you can’t rely on controlling invoice payments only, when huge chunks of spending also happen through credit cards.

The payment methods themselves aren’t important - it’s who spends, why, where, and on what that really count.

Spendesk manages non-payroll spending through the following:

  • Prepaid corporate cards. Every employee can have one, which means no more shared credit cards or relying on employees’ own money.

  • Virtual cards. These are the safest, fastest, and easiest way to pay for anything online. They can be single-use or recurring, perfect for SaaS subscriptions.

  • Invoices. Upload and pay any invoice through Spendesk, so you don’t need to create a whole different procurement process to confuse your teams.

  • Expense reports. On the odd occasion where employees use their own money, they can claim reimbursement instantly with just a photo of their receipt.

Again, the crucial thing is that the process and approval workflow is the same for all methods. Employees only need one set of rules and have one process to learn. As a result, you have almost no human error.

Too many companies don’t truly know where their money goes until they close the books at the end of a quarter or year. This is particularly true where the finance team doesn’t hold the purse strings, and where employee expense claims or credit cards are widely used.

In these cases, it requires manual human work to collate spend data. Until that work is done, you don’t really know what’s been spent. And those expense claims are often filed months after the purchase took place. Which means you have a future liability but no way to measure it.

Monitoring all spend in real time lets you create forecasts faster and make smart decisions to adjust budgets. This is often not possible with a more traditional expense management approach.

And at a more basic level, real-time monitoring helps you spot fraud, duplicate payments, and other financial risks. If you always wait until the end-of-month reconciliation, you can easily go weeks before fixing these potential harms.

Finally, quick checks throughout the month lead to smaller piles of work at the end, and less need to fix big problems all at once. As the saying goes, “a stitch in time saves nine.”

While closely related, spend control and cost control aren’t exactly the same thing. Cost control usually means cutting costs, while spend control means confidently managing spending whether it increases or decreases.

Naturally, good spend control helps you manage costs in a few key ways:

  • You can’t control what you can’t see. Having real-time visibility over all spending helps identify unnecessary or maverick spend. Spend management systems identify common issues, like duplicate expense reimbursements or SaaS subscriptions with no owner.

  • Take more control over team budgets. Finance teams can see all company spend at a glance, and dive deeper into individual teams or projects. Managers also have better cost control and can ensure that all spend is justified.

  • Foster an educated spend culture. CFOs and finance teams should teach the wider company how to make the right decisions. Spend management solutions let you build your company spend policies into the tool, so people make the right choices by default. You also have all the spend data you need to report back to key stakeholders.

How does spend management affect procurement?

Building a strong procurement process is often tricky. Procurement teams need control and visibility over purchases, which can create roadblocks for other employees.

Instead of slowing things down, spend management software lets you empower employees to make smart choices, without losing control. They have access to classic tools like corporate cards, expense reports, and virtual cards, but can’t just use them wildly. Small discretionary purchases are made quickly, while more significant ones need approval.

And because every payment is tracked closely - automatically - you have the spend data to review supply chains and make better spending forecasts.

The bottom line is the company moves faster, while spend control increases.

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