Spendesk

Overview

Spendesk is a Paris-based spend management platform that brings together virtual and physical company cards, purchase orders, invoice approval, employee reimbursements, and real-time spend analytics in a single product. Pricing is quote-based for most tiers; indicative starting points are around €100 per month for smaller teams. Spendesk is EU-hosted and issues EU IBANs, with SEPA settlement supported for both card top-ups and employee reimbursements. VAT amounts are captured and categorised on receipts, including support for multi-rate VAT scenarios such as those common in Ireland (23%, 13.5%, 9%). Spendesk integrates with Xero, Sage, Datev, and NetSuite. Account management is Paris and London-led with no dedicated Irish support desk. Receipt images stored in Spendesk satisfy Revenue's 6-year digital retention requirement per eBrief 09/15, which permits digital originals in place of paper. Well suited to scaling European SMEs that want a unified spend control layer across cards and bills.

Compliance reference

Compliance vocabulary for Spendesk

Irish terms that shape how this software is bought, configured, and audited.

• PSD2 SCA exemption (B2B / secure corporate payment processes) aka secure corporate payment processes exemption, Article 17 SCA exemption, corporate card SCA exemption, RTS Article 17 exemption

  Article 17 of Commission Delegated Regulation (EU) 2018/389 (the PSD2 SCA RTS) exempts dedicated corporate payment processes from per-transaction Strong Customer Authentication, where the payer is a business and not a consumer.

• Receipt capture (OCR) aka OCR receipt capture, receipt scanning software, receipt automation

  Software that ingests a photographed, emailed or scanned receipt and uses optical character recognition to extract structured fields - supplier, date, net, VAT rate, VAT amount, currency - so the receipt can be posted to accounting software without manual keying.

• Receipt-to-VAT stack aka receipt-to-VAT pipeline, spend-to-VAT-reclaim stack, expense-to-VAT stack

  Vendors.ie term for the integrated four-layer workflow that moves an Irish SME from a business spend transaction to a Revenue-compliant VAT reclaim line without manual data entry: card or bank feed, receipt capture, VAT extraction, and accounting integration.

See the full Irish compliance glossary →

Pros and Cons

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