Use your existing business cards with full expense control
Connect your Visa and Mastercard business cards to Expend (BYOC), capture transactions in real time, and manage expenses without changing how your team spends.
No new cards required
No disruption to existing spend
No more manual reconciliation
Keep your cards. Fix your expense process.
Most expense tools require you to replace your existing cards.
Card Connect™ is different.
With Expend’s Bring Your Own Card (BYOC) capability, you can connect your existing Visa and Mastercard business cards directly into the platform. Employees continue using the cards they already have, while finance gains full visibility and control over spend.
No migration. No retraining. No disruption.
Connect your cards and manage every transaction in one place
Card Connect™ integrates your external business cards into Expend, turning every transaction into a structured expense automatically.
Once connected, transactions sync in real time, employees are prompted to add receipts instantly, and expenses are categorised and submitted as they happen.
For businesses with large numbers of existing cards, Card Connect™ supports bulk onboarding of Mastercard card details. This means hundreds of cards can be securely added at once, without needing to connect them individually, making rollout fast and scalable across teams.
Turn card spend into complete, accurate expense data
Every transaction appears in Expend as soon as it happens, giving finance teams a live view of company spend across all connected cards.
Employees are prompted to capture receipts and complete expenses at the time of purchase, with data automatically extracted and categorised. This ensures expenses are accurate before they reach finance, reducing errors and speeding up review.
Keep your cards and credit limits without the admin
Employees can continue using their preferred business credit cards, keeping existing credit limits, reward schemes and established banking relationships.
At the same time, Expend removes the need for manual reconciliation by capturing and structuring expense data in real time. What used to happen at month-end is now done automatically.
Card Connect™ doesn’t just capture transactions - it connects them to the full expense process
This ensures every transaction moves from spend → submission → approval without manual intervention.
Expend has streamlined the expenses of my clients making them easy to manage and control. If you're still processing expenses the traditional way it's time to stop. Once you implement Expend you will never look back!
Use Expend a lot - an easy to use system, love the reminders to add receipts.
The online system and app are very easy to use. If I ever have any queries or issues with anything, the team always respond to me very quickly and are very helpful and knowledgeable about the system.
Expend is quick and easy to use. Allows team leaders and Business Support autonomy when purchasing. The phone app is quick and intuitive when photographing receipts on the go.
Expend has made collating my expenses so much easier than before. If I am working remotely then I can log my expenses immediately without having to hold on to numerous paper receipts and risk them being lost or damaged.
Such an easy application to use when recording daily work receipts and expenses.
Very easy to navigate around when mobile, and a desktop site which has everything to hand. Same functions as a high street bank. Great expense platform.
Convenient and fast, perfect for bigger business. Customer care is top notch.
Expend is really easy to use, especially when you’re on the fly. Don’t let them build up and take half a day at the end of the month, just photograph your receipt on the app. It’s brilliant and fill in a few details and you’re good to go. Much better than Concur in my opinion and I’ve used both.
Best expenses system I've ever used. Used many different expenses systems over the past 30 years. This one is brilliant. Easy to use, the app is excellent to use on the go and it's very easy to review and manage my teams expenses.
Completely happy. We are an SME and have now used expend for a couple of years for all our management's expenses and travel, plus the odd small purchase. What we like is the ease of use + the ability to set budget limits. The cost is also very reasonable. We have had a positive experience throughout without a single problem or issue.
Would recommend. Expend is easy to use and has made expensing so much easier. I find their mobile app especially useful as it lets you scan receipts immediately.
Simple and efficient. The Expend card has given our team members the flexibility they need, and has given the managers a high level of control. The process of submitting expense records (receipts) is very simple, and saves so much time for everyone.
Do we need to switch banks or cancel our current cards?
No. You can keep your existing banking setup, credit limits, and rewards currently in place for the team while using Expend to manage expenses.
How are transactions captured in Expend?
Transactions are synced in real time from connected cards. Employees are then prompted to add receipts and complete the expense directly in the app.
How does Card Connect reduce reconciliation work?
Because transactions and expense data are captured and completed as they happen, there’s no need to manually match receipts and statements at month-end. Which means there's no need to remember multiple logins for each bank or credit card to view and reconcile transactions, too - it's all in one place.