How it works

01

Answer 16-17 short questions

About your card spend, your current provider and the time receipts take you. Roughly two minutes.

02

Create your account

Name, company and email, so we can show your result and save it for later.

03

Get your free base match right away

You immediately see your estimated total annual value and the reasons behind the match. The provider name stays masked in the free version.

04

Buy the full report for €79

The complete comparison with every provider, the full calculation, alternatives and a PDF in your company name.

The three pillars of the calculation

The highest rate does not win — the highest total value does

We apply your figures to each provider’s rules, costs and automation. Integrations limit achievable bookkeeping savings but never create a second benefit.

01

Cashback & rewards

What do you really spend, and what does it earn?

We calculate rewards on your card spend: ads on Meta, Google and TikTok, software, fulfilment and suppliers — including caps, thresholds and exclusions.

  • Card spend
  • Ad spend
  • Software & SaaS
  • Fulfilment
  • Suppliers
  • Caps & thresholds
02

Bookkeeping

How much manual work are you paying for today?

We value manual work around ad and supplier invoices, receipts and transaction matching. Integrations with Exact Online, Xero, QuickBooks, Yuki or Octopus decide whether automation is realistic; the euros are counted only once, in pillar 2.

  • Ad invoices
  • Receipts
  • Supplier invoices
  • Transaction matching
  • Exact Online / Yuki / Xero
  • QuickBooks / Octopus
03

Currency costs / FX

Do you pay or receive in another currency?

We compare the markup you pay today on foreign-currency transactions with the markup of every candidate provider. Only applicable if you indicate that you work in foreign currencies.

  • Monthly foreign-currency spend
  • Main currency
  • Current provider markup
  • Multi-currency account

How the calculation flows

  1. 01

    Your input

    Spend, bookkeeping workload, software and any foreign-currency activity.

  2. 02

    eSpendcheck analysis

    Eligibility first, then the same three financial pillars for every product.

  3. 03

    39 providers

    Active provider records are checked by market and product availability.

  4. 04

    Your personalised result

    The highest supportable total annual value, with uncertainty visible.

The core calculation

+ Actual cashback and rewards
+ Estimated bookkeeping saving
± Difference in currency costs
− Provider and card costs

= Estimated total annual value

Integrations determine how much bookkeeping can be automated and are never counted as a separate euro benefit. Anything a provider does not publicly confirm stays empty and never counts in that provider's favour.

Not the best card on paper. The best card for your store.

A traditional comparison site asks: ‘which card offers the highest cashback?’

eSpendcheck asks: ‘which business card or financial provider creates the most total annual value for your store?’

  • Rewards after caps and conditions
  • Bookkeeping savings limited by automation
  • Signed currency-cost difference
  • Provider and card costs deducted once

That is why a provider with less cashback can still win when proven bookkeeping savings or lower currency costs are larger.

Calculate my best match (free)

See what a report looks like

See a real example report

How we calculate, exactly

Read the full methodology

Which provider delivers the most value for your online store?

Answer 16-17 short questions about your spend, bookkeeping and international payments.

Calculate my match (free)

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