Spend
AI-powered spend management software for global teams
One platform to manage cards, expenses, bills, and POs across multi-entity teams in 60+ countries.
The spend management platform built for global scale
Automate the busywork, enforce spend controls, and reconcile across entities and currencies. All on one AI-powered platform.
Close the books in half the time
Cut hours of manual work. AI extracts receipts and bills, auto-categorises expenses, and sends approvals to the right reviewer in seconds.
Replace your finance stack with one platform
Consolidate four finance tools into one. Cards, bills, FX, and reimbursements run on a single platform that pays to 200+ countries.
Set guardrails that scale across entities
Stop overspend at the source. Build card limits, approval flows, and policy rules in minutes, then apply them across every entity from one place.
Operate like a local across the globe
Launch in new markets without launching new tools. Issue local cards in 60+ countries and get real-time visibility across every entity you run.
PRODUCTS
The complete spend management suite for global finance
Corporate Cards
Expense Management
Bill Pay
Integrations
Corporate Cards
Expense Management
Bill Pay
Integrations
Automation
AI agents that run the mess out of spend
Let receipts file themselves
Snap or email in a receipt. AI reads every line, matches it to a transaction, and files it in seconds.
Policies that enforce themselves on every expense
AI checks every expense against your policy the moment it posts, flagging out-of-policy spend before it lands on a finance inbox.
Batch bill runs that run on their own
Upload a bill and let AI handle the rest. AI extracts every field, matches it to a PO, and routes it for approval.
All IN ONE PLATFORM
Run every spend management workflow in one place
Control both employee and company spend
Approve, track, and reconcile card expenses, reimbursements, and bills centrally.
From approval to payout in seconds
Approve a bill, pay a vendor in their local currency from your multi-currency wallet. No FX hop required.
Keep your books in sync at all times
Two-way integrations with NetSuite, Xero, QuickBooks, and more keep approvals, payments, and books aligned in real time.
FOR SMALL BUSINESSES
Built-in controls from day one
Control card spend at the swipe
Set limits per card, freeze cards instantly, and adjust rules in seconds. No service tickets required.
Compliance flows you don't have to build from scratch
Route approvals by amount, department, or entity. Every request lands with the right approver, with zero chase.
Auto-sync to your accounting software
Sync every transaction to your books the moment it clears. Pull in expense categories, then pay bills directly from Airwallex.
FOR ENTERPRISE
Enterprise controls for multi-entity finance teams
NetSuite-native by design
Push approval flows, GL codes, and multi-entity structures into NetSuite directly
Role-based access, down to the field
Assign pre-built finance roles or build your own, scoped to entity, action, and threshold.
Security built for scale
Protect every account with 2FA, monitor transactions in real time, and freeze cards in bulk when needed.
"Airwallex Bill Pay has given us better control over our finances, and has helped us roll up important strategic budgeting and forecasting capabilities. It’s also improved our relationship with our suppliers, because we now never miss a beat with paying them on time."
Joel Stehr
Chief Operating Officer, Bilue
"One thing we like about Airwallex, which differentiates it from other providers out there, is the team card approach as well as the individual cards. It’s a massive time saver too - to the point that we just wouldn't use a solution that didn't have an integration with Xero, just due to the volume of transactions and manual work that would be required otherwise. It's amazing.”
Georgia Burns
Strategic Finance Director, Auror
"It’s definitely time saving, from mine and our Head of P&C’s perspective as people that prepare payroll are not having to granularly look through each expense item line. The users have taken to it like a duck to water. It's not a difficult system to use. Sometimes people are like ‘oh, another system, another app to download.’ But it wasn’t arduous at all. Once you download the app, it's very straightforward. There's really been no push back whatsoever from anyone because I think people immediately get the buy in.”
Alec Alltimes
APAC Finance Director, Commission Factory
GLOBAL SPEND MANAGEMENT
Run every entity from a single login
Set spend policies once, enforce everywhere
Update a single policy and it cascades to every entity instantly — no duplicating setups, no drift.
Pay vendors on local rails in 120+ countries
Skip correspondent banks. Clear payouts through our own local network, or SWIFT in 200+ countries.
Reimburse your team in their own currency
Pay employees into their local bank account in minutes, in their own currency. No FX guesswork.
Spend from multi-currency balances
Hold, convert, and spend in 20+ currencies directly — no pre-funding or third-party FX.
Frequently asked questions about spend management software
What is the difference between spend management and expense management?
The main difference between spend management and expense management is scope and timing. While they both deal with money leaving the company, expense management is a subset of the broader spend management umbrella.
Think of it this way: Expense management is reactive. Looking at what was already spent, while spend management is proactive.Strategic oversight of all outgoing cash.
What does spend management software do?
Spend management software provides a unified platform to manage the entire financial lifecycle from request to reconciliation. It automates manual workflows like invoice capturing and uses real-time data to give finance leaders visibility across every entity and currency.
Is spend management safe and secure?
Yes, the Airwallex platform meets the highest international security standards, including PCI DSS, SOC1, and SOC2 compliance. We use end-to-end encryption and bank-level security to protect sensitive financial data and ensure your funds are safeguarded.
Can spend management software issue virtual cards?
Yes, spend management software like Airwallex’s platform lets you issue unique virtual cards instantly for specific employees, departments, or individual SaaS vendors. These cards are ready for immediate online use and help track spend centrally while eliminating the need for shared physical cards.
Can spend management software set up spending limits?
Yes, spend management software allows you to set limits on transaction value and frequency, such as daily or monthly caps. These controls are built directly into every card, allowing you to prevent out-of-policy spending before it happens.
How does spend management software save money?
Spend management software like Airwallex’s platform can save your business money by replacing multiple tools with a single solution and by providing market-leading FX rates and removing international card transaction fees.
How long does it take to implement spend management software?
It takes about 15 minutes to apply for Airwallex’s business account and applications are usually processed and approved within 1-3 business days or as quickly as the same business day. Once approved, you can instantly use the spend management software and spin up virtual cards for use in mobile wallets.
Can it connect to our HRIS like Workday or BambooHR ?
Yes, our spend management software integrates with popular HRIS like BambooHR to import user data and improve user management. This connection ensures your organization is up to date with syncing data like department and location.
Does it support multi-currency and international VAT tracking?
Yes, we offer multi-currency Global Accounts which let you collect, hold, and pay in 20+ currencies to avoid conversion costs. Our platform also supports multi-entity structures and integrates with accounting software to help your business manage local tax requirements and automated reconciliation.
What is the total cost of spend management software?
Plans for Airwallex spend management software start at $0 per month for our Explore tier or $99 per month for our Grow plan. Other providers may charge high implementation fees or FX markups.
How does it handle subscription/SaaS management?
You can issue a unique virtual card for every SaaS vendor to gain a real-time dashboard of active subscriptions. If you need to cancel a service, you can freeze that specific vendor card to stop payments immediately.