Manage company spend and expenses
Corporate cards, expenses and accounting for your team. Below is the product stack you need, with verified European providers for each layer - compare by EEA data residency, licence and regulator.
How the stack fits together
Spend management is the one blueprint you buy rather than build: corporate cards, receipt capture, approval flows and accounting sync come as a subscription. What separates platforms is less the feature list than the licence behind the cards, where data is hosted and how pricing scales - per company, per user or per card - which is why the published entry prices are listed below wherever a platform publishes one.
Step 1 — Spend-management platform required
Corporate cards + expense capture + accounting integrations, off the shelf.
What to check: Compare price per user against price per company at your headcount, the accounting integrations you rely on, and whether cards are issued on the platform's own licence or a partner's.
In the catalogue — Spend management: 25 live providers, 22 with data in the EEA; 6 publish an entry price - Circula (from EUR 8/user/mo), Finom (free plan; from EUR 8.99/mo), Pleo (from GBP 9.50/mo), Qonto (from EUR 9/mo), Rydoo (from EUR 8/user/mo), Soldo (from GBP 21/mo).
Browse all: Spend management
Sovereignty notes
- This is a buy (SaaS), not a build - choose a European platform with transparent pricing and EEA data residency.