One Unified Platform for spend management and proactive control

Expense Manager

AP Manager

Spend Control

Virtual Cards

Still finding out about card spend after the money is gone?

ProSpend Virtual Cards help ANZ finance teams control company card spend from the moment a card is issued. Set limits upfront, capture receipts at the point of spend, and see every transaction in real time.

Book a demo See it in Action
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Trusted by ANZ finance teams

 Join 1,000+ Australian and New Zealand organisations that trust ProSpend, including RSL NSW, Monash College, Baskin‑Robbins, The Friend’s School, and more. 

  • Friends School
  • Monash College
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  • Kempsey Adventist School
  • Macquarie University
  • Port Macquarie Adventist School
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  • University of Queensland

Why ANZ finance teams choose ProSpend for virtual cards 

More control before spend happens

Set clear rules upfront so card spend stays within approved boundaries.

Less clean-up for finance

Reduce receipt chasing, coding fixes and month-end reconciliation work.

Clearer ownership across card spend

Know who is spending, why they are spending, and where it should be allocated.

Faster response when something looks off

Spot unusual spend early and act before it becomes a bigger issue.

One view across business spend

See cards, expenses and invoices in one connected workflow.

Built for ANZ finance teams

Support local finance processes with ERP connectivity, rollout support and stronger spend control.

Still relying on shared cards, reimbursements or spreadsheets?

Cards create clean-up when spend is shared, uncoded or missing context. Employees spend first and explain later. Finance ends up chasing receipts, fixing coding and trying to work out who spent what, where and why after the money has already gone.

With ProSpend, you can finally break this cycle:

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Issue cards for approved spend without giving up control

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Enforce spend rules before money leaves the business

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Reduce receipt chasing and reconciliation work

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See transactions in real time, not weeks later

See virtual cards in action

Watch how ProSpend helps mid-sized ANZ finance teams issue cards instantly, apply spend controls upfront, and keep card transactions visible from the moment money is spent.

friends school (1)
 Friends School

We have found ProSpend to be a significantly more efficient and effective approach to our purchasing and expense processing and has proven to be well worth the investment.

Friends School Story
montessori (1)
 Montessori Academy

We highly recommend ProSpend as an outstanding Accounts Payable (AP) solution. We believe it is an excellent choice for any organisation seeking a streamlined and efficient AP process.

Montessori's Story
barwon coast (2)
 Barwon Coast

With ProSpend our managers have better visibility and control along all the steps of the invoice entry, approval and payment process and their year to date spend against budget, with no need to wait for EOM reports.

Barwon Coast's Story
acrux
 Acrux

ProSpend's PO and invoice module matched our needs perfectly. It helped users create POs, route them through the approval process, and automatically match approved POs to incoming invoices. With ProSpend, we cut AP invoice processing time by 50%.

Acrux's Story

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Features

What do ProSpend Virtual Cards do for you?

Built to fit your existing finance processes, ProSpend helps you control company card spend securely, efficiently and at scale.

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Issue cards instantly, with clear ownership from day one

Create virtual cards in seconds for an employee, supplier, subscription, project or one-off purchase. No waiting on banks, no shared card workarounds, and no confusion about who the spend belongs to. 

  • Instant virtual card issue
  • Cards for employees, projects or one-off purchases
  • Clear card owner and purpose from the start

Set spend rules upfront

Make every card fit its purpose. Set limits, date ranges and usage rules upfront so spend is controlled before it happens, not reviewed after the fact.

  • Card-level spend limits
  • Start and end dates or scheduled controls
  • Merchant category restrictions
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Keep spend visible in real time

Track transactions as they happen, not when a statement arrives. Finance and budget owners can see where money is going and act early when something needs attention.

  • Real-time transaction visibility
  • Tracking by team, project or cost centre
  • Faster response to unusual or out-of-policy spend

Cut receipt chasing and reconciliation work

Keep transaction data and supporting evidence together from the start. Employees can attach receipts to card spend, and finance gets cleaner records without the usual month-end chase.

  • Receipt capture linked to card transactions
  • Cleaner records for coding and review
  • Less manual follow-up and reconciliation
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Keep card spend connected to the rest of finance

Virtual cards should not sit in a separate tool. ProSpend keeps card spend connected to approvals, expenses, invoices and budgets so finance works from one source of truth.

  • Connected to wider spend workflows
  • Shared visibility across cards, expenses and invoices
  • Better coding, reporting and audit support

Reduce misuse with tighter card controls

Replace broad access with purpose-built cards and tighter usage rules. Limit exposure, reduce fraud risk and respond quickly if something needs to be stopped. For in-person purchases or remote-area payments, ProSpend physical cards extend the same spend controls when virtual cards are not the right fit.

  • Freeze or cancel cards fast
  • Single-use and tightly scoped card options
  • Support for virtual and physical cards in the same platform
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customers

Over 1,000 customers trust us since 2015

ER Integration

Integrations with 30+ leading ANZ ERPs

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Dedicated implementation and local support

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MYOB Innovative App of the Year Finalist

FAQs

Virtual Cards Software

What are virtual cards and how do they work for business spend?

Virtual cards are digital payment cards created instantly for a specific employee, supplier, purchase or purpose. Each card can have its own rules, such as spend limits, expiry dates or merchant restrictions, so finance teams can keep spend accountable from the start. 

Why are virtual cards becoming more common in Australia and New Zealand?

Finance teams are adopting virtual cards because they can be issued faster, and offer stronger control, better security than relying on shared cards or reimbursements. They are especially useful for subscriptions, online purchases, project spend and distributed teams. 

Do virtual cards replace physical cards?

Not entirely. Many organisations use both. Physical cards may still suit some travel or in-person payments, while virtual cards are ideal for online, remote and operational spend where tighter control matters.

Compliance and controls (ANZ)

How does ProSpend support GST compliant expense claims?

It standardises key fields and retains receipts and approvals at line level to support consistent handling and audit readiness.

How does ProSpend help with FBT-related entertainment expenses?

It can prompt for contextual details finance teams typically need (such as purpose/attendees) and keeps them with receipts and approvals to reduce follow-ups. (High-level only.)



Controls, Security and Compliance

How do virtual cards improve spend control?

Virtual cards let finance set spending rules before a purchase happens. Each card can be limited by amount, timeframe, supplier or merchant category so employees can only spend within approved boundaries.

Are virtual cards more secure than traditional cards?

Yes. They reduce card sharing, can be limited to one-time use, and can be frozen or cancelled quickly if something looks wrong. That helps contain risk without disrupting other spend.

How do virtual cards support GST accuracy?

ProSpend keeps card transactions connected to receipts and spend data, helping finance retain the supporting information needed for consistent GST handling and cleaner reporting. 

How ProSpend Virtual Cards Work

How are virtual cards issued in ProSpend?

Authorised users can issue them directly in the platform by choosing the card owner, purpose and rules. The card can then be used straight away for approved business spend. 



Can virtual cards be limited to specific suppliers or subscriptions?

Yes. Cards can be scoped to a subscription or spend purpose, which helps manage recurring payments and one-off purchases with tighter control. 

Does ProSpend support receipt capture for virtual card spend?

Yes. Receipts can be attached to card transactions so finance gets the evidence connected early instead of chasing it later. 

Can ProSpend track card spend by team, project or cost centre?

Yes. ProSpend gives finance visibility into card spend by team, project, supplier or cost centre so reporting and follow-up are simpler. 

Integrations and Rollout

Does ProSpend integrate with Xero, MYOB, NetSuite or Dynamics 365 Business Central?

Yes. ProSpend connects with leading finance systems so transaction data, coding and supporting records can flow into your finance stack with less manual work. See the complete list of ProSpend ERP integrations here.



Can virtual cards be used in multi-entity organisations?

Yes. ProSpend supports multi-entity environments, helping organisations apply the right controls while keeping group-level visibility. 

How long does implementation take?

It depends on your workflows, controls, entities and integrations, but implementations are typically delivered in weeks with local onboarding and support. 

Still managing spend across multiple tools?

Go beyond cards. ProSpend brings expenses, approvals and invoices into one unified platform, so finance is not left following up missing details, correcting coding and reconciling spend at month-end.

Book a demo Explore Expense Management
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