Spend Management Software
Real-time insights
Monitor exactly what your employees are spending and where with real-time transaction data and departmental balance tracking for precise budgetary control.
Tiered approvals
Facilitate the request and allocation of funds through a tiered approval system that can be configured to correspond with your specific organizational structure and reporting lines.
Spend policy enforcement
Uphold adherence to internal spending policies through configurable in-platform controls, including merchant restrictions, customizable spending limits, and ATM transaction blocks.
Our platform simplifies and streamlines spend management.
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Prevent unauthorised spending - Monitor exactly what teams spend and where using role-based accounts, fund requests, and live transaction data.
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Granular control - Establish a detailed reporting structure by categorizing budgets according to department, project, or other criteria using Balances, providing your finance team with an immediately actionable framework.
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Seamless account matching - Our integration with leading accounting software, including Xero, automatically exports purchase data, doing away with manual processes.
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Unlimited users on all plans
Our mission is to provide a superior method for handling your business finances, and that commitment starts with our fair and clear pricing structure.
Pay monthly
Pay yearly SAVE 17%
£ 300 £250 yearly SAVE 17%
1 - 20 cards
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Issue up to 20 physical cards
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Unlimited platform users
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Up to 50 virtual cards - free
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Free to use in 21 major currencies
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£10 per physical card - one-off fee
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Cash withdrawals - £1.50
£25 monthly
£ 420 £350 yearly SAVE 17%
21 - 50 cards
£35 monthly
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Issue up to 50 physical cards
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Unlimited platform users
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Up to 100 virtual cards - free
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Free to use in 21 major currencies
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£10 per physical card - one-off fee
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Cash withdrawals - £1.50
51+ cards
Custom pricing
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Issue more than 50 cards
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Unlimited platform users
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More than 100 virtual cards
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Free to use in 21 major currencies
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Custom issuance fees
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Cash withdrawals - £1.50
Key spend management features
Exercise precise control over spending by setting custom limits for each card, enforceable daily, weekly, monthly, or for the card's entire lifetime.
Control budgets
Empower corporate spending worldwide with CNIW Fincorp physical cards, accepted at millions of locations across over 190 countries through the Mastercard network.
Global acceptance
Accelerate online spending with instant virtual cards and protect your business from fraud by utilizing single-use card numbers.
Set virtual cards
Real-time expenses
Maintain oversight of all employee expenditures with real-time tracking in a consolidated platform, guaranteeing there is no overspending or improper allocation of funds.
Multi-currency spend
Facilitate international spending and operational activities seamlessly through multi-currency purchase cards and the functionality to manage transactions in up to 38 distinct currencies, bypassing the need for currency conversion.
Multi-departmental use
Operate across various departments within a unified system that offers unlimited user licenses, the ability for multi-account logins, and restricted access permissions based on specific business roles or duties.
Take genuine control of your finances with our spend management solution.
Effortlessly manage your team's spending through the seamless integration of our expense cards and online platform.
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Our platform provides complete oversight and control of all transactions through real-time data. This allows you to meticulously track purchases and expenditure, guaranteeing adherence to fully customizable spending limits that can be defined for any period or project scope.
Even with fully decentralized operations, our platform provides centralized oversight to ensure all spending aligns with your budgets.
What is spend management software?
A digital tool that integrates expense management, budgeting, and analysis into one platform to control, monitor, and optimize spending.
What is the difference between spend management and expense management?
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Expense management: Tracking, auditing, and reimbursing employee-initiated expenses.
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Spend management: Broader scope — controlling and optimizing overall organizational spending. Some solutions (like Equals Money) do both.
Why is spend management important?
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Improves financial health and efficiency.
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Ensures resources are used effectively, helps make informed decisions, avoids unnecessary costs, and maximizes value from every penny spent.
How we keep your money safe
Because CNIW Fincorp accounts don’t fall under FSCS, your money is protected via safeguarding. We hold your funds in specially designated, safeguarded bank accounts, which keep them separate from our other assets. Please see FAQs for more information.
