Spendesk is a spend-management platform for finance teams, budget holders and procurement teams. It combines physical and virtual debit cards with configurable limits, single-use virtual cards and merchant restrictions, purchase orders with approval flows, supplier-invoice processing with matching to the order, and expense claims through a mobile app. It also offers budget tracking, detection of duplicate or suspicious payments, spend analytics and accounting integrations, including Xero and DATEV. The service is delivered as a web application with mobile apps and an API.
Spendesk is headquartered in Paris, France. According to its security page, databases and servers are hosted and maintained by AWS, with daily backups; the AWS regions or any restriction to the EU are not named there, and the vendor refers to its Trust Center for details. Spendesk reports ISO/IEC 27001:2022 certification, applies strong customer authentication and lists GDPR and DORA among the regulations it addresses. The software is not open source. Hosting location and subprocessors are best fixed contractually.