Approval workflows, ERP integrations and reporting dashboards usually dominate software evaluations, but whether a platform requires you to use its own card is often discovered too late.
That lock-in matters more than ever from 1 October 2026, when surcharges on eftpos, Mastercard and Visa payments are banned. Paying large supplier invoices by card becomes far more viable, and as issuers reshape their rewards and commercial terms, businesses will want the freedom to move between providers without disrupting how spend is reconciled and reported.
The real test, Radha writes, is not whether a platform accepts a card, but whether it applies every feature equally. ProSpend applies the same coding, approvals, budget tracking, GST treatment and ERP export to every connected card, and with surcharges no longer distorting transaction amounts, invoices and card payments match more cleanly at month-end. Because ProSpend does not issue its own card, it has no stake in which one your business carries, so if you switch providers tomorrow, nothing changes.