About your card spend, your current provider and the time receipts take you. Roughly two minutes.
Name, company and email, so we can show your result and save it for later.
You immediately see your estimated total annual value and the reasons behind the match. The provider name stays masked in the free version.
The complete comparison with every provider, the full calculation, alternatives and a PDF in your company name.
The three pillars of the calculation
We apply your figures to each provider’s rules, costs and automation. Integrations limit achievable bookkeeping savings but never create a second benefit.
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.
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.
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.
Your input
Spend, bookkeeping workload, software and any foreign-currency activity.
eSpendcheck analysis
Eligibility first, then the same three financial pillars for every product.
39 providers
Active provider records are checked by market and product availability.
Your personalised result
The highest supportable total annual value, with uncertainty visible.
= 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.
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?’
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)Answer 16-17 short questions about your spend, bookkeeping and international payments.
Calculate my match (free)Choose your language
Which language would you like for the scan and your report? You can switch at any time.
