Criterion 1: cashback and caps
Look past the headline rate to the monthly limit. For a store spending tens of thousands a month, uncapped 1 percent is a very different proposition from capped 2 percent.
Criterion 2: accounting integration
A direct link to Exact Online, Yuki, Moneybird, Teamleader or Twinfield structurally saves hours per month. Without it you export manually and the error rate stays high.
Criterion 3: automated ad-spend processing
Meta, Google and TikTok invoice in blocks that rarely map one to one onto transactions. Providers that handle this automatically remove one of the most tedious monthly tasks.
Criterion 4: receipts and per-employee limits
In-app receipt capture, automatic reminders and per-card limits stop you chasing your team at month end.
Criterion 5: cost and currency
Monthly fee, cost per extra card and the markup on non-euro transactions together define your real cost. If you advertise in dollars, that markup matters a lot.
Criterion 6: Belgium and Netherlands coverage
Not every European provider serves both markets equally well. Check for a local IBAN, local support and VAT-compliant invoicing.
Run it on your own numbers
Start the scan to apply these six criteria to your own profile. The full report is a one-time 29 euro payment.