Quick and effortless access to the right resources
Too many teams lose time dealing with expense claims, invoices, and approvals. The Spend Cloud ensures that employees have immediate and hassle-free access to the right resources, without finance losing control.
- Smart payment cards for employees – no more hassle with expense claims
- Invoice processing & procurement management without manual data entry
- Real-time insight into all business expenses on a single platform
Too many teams lose time dealing with expense claims, invoices, and approvals. The Spend Cloud ensures that employees have immediate and hassle-free access to the right resources, without finance losing control.

Trusted by over 1,000 healthcare, education, and non-profit organizations








Overwhelmed by expense claims, lost invoices, or budget overruns?
Overwhelmed by expense claims, lost invoices, or budget overruns?
Too many organizations waste time unnecessarily on administrative processes:
Employee
Employees face challenges with expense claims, search for receipts, experience unnecessary delays in approvals, and lose time that could be better spent on their core tasks.
Finance team
Finance teams struggle with inadequate oversight, lack real-time control over budgets, encounter delayed invoices, and spend excessive time on manual checks.
Managers
Managers receive expense insights too late, making it difficult to predict and manage budgets, which leads to unexpected costs and financial risks.

Operate seamlessly without delays or financial barriers.
No hassle with expense claims. No approval delays. No surprises in your budget.
The Spend Cloud automates and streamlines every aspect of your expense process, from payment cards for employees to the processing of invoices and contracts.
- Budgets approved in advance, no expense claims afterward
- Invoices and approvals are processed automatically, eliminating manual steps.
- Real-time insight into active contracts and purchase orders.

No hassle with expense claims, complete control
Employees should be able to make business expenses easily, without bureaucracy. Finance must maintain control without creating obstacles.
- No more expense forms – pay directly within budget guidelines.
- No physical receipts or forgotten expenses.
- Real-time automatic overview for finance
Organizations save up to:
time on expense claim processing

Procurement and payments without delays
Invoices shouldn’t slow down your processes. Procurement must be efficient and transparent.
Too often, invoices are delayed, and there is confusion about payment obligations. The Spend Cloud ensures everything runs smoothly, keeping Finance in control.
- Invoices automatically matched to purchase orders & contracts.
- No unplanned expenses due to missing approvals.
- Insight into suppliers and contracts in a single view.
Organizations save on average
time for invoice and procurement processing
Automatic integration with 40+ accounting and ERP systems.
The Spend Cloud seamlessly synchronizes with your existing software, eliminating the need for manual entry.
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Visma.net Financials | AccountView | AFAS | Exact | Twinfield and more..
- Automatic synchronization of budgets and payments.
- Real-time cash flow insight without additional administration.

Why organizations choose the Spend Cloud
Immediate time savings
Time savings per expense claim, invoice, and purchase request.
Automation
Touchless invoice processing
More control
insight into expenses
Certified

ISO27001 en ISAE3402 type 2-certified
Discover how organizations in your industry save time, money, and resources.
Discover how organizations in your industry save time, money, and resources.







“Controlling funds for employees in the field has been hugely simplified!”
Koraal Groep is an organization comprising eleven charities in Limburg and Noord-Brabant that provide advice and support to individuals with a mental, physical and/or psychosocial disabilities. The processing of decentral funds was a significant concern for the administrators of Koraal Groep. They have greatly simplified expense tracking with Spend Cloud Cards, enabling employees to dedicate more time to to their core tasks.
Read the case
“Why didn’t we do this sooner?”
Xpect013 is a Catholic foundation that includes 26 schools. When Xpect013 was still utilizing the services of an accounting firm, it could take 2 to 3 weeks for invoices to be processed. Reports were not up-to-date because the data was managed externally. There was plenty of room for improvement. Now, they use the invoice processing module of the Spend Cloud. “With the Spend Cloud, we have immediate insight into our expenses and financial status at all times.”
Read the case
“Thanks to the Spend Cloud, there is greater assurance in the process, as everything is recorded digitally”
With 20 hotels and 45,000 incoming invoices annually, Eden Hotels experienced excessively long processing times. There were too many errors, leading to a high number of corrections. Since inefficient document processing is costly in terms of time and money, Eden Hotels negotiated with suppliers to receive 90% of invoices digitally. They then transitioned to the next step: automatically matching purchase orders with incoming invoices to create a 3-way match with the Spend Cloud!”
Read the case
“By now, the Salvation Army has more than 650 users and nearly 400 bank and cash ledgers in the Spend Cloud.”
Previously, the Salvation Army, processed decentralized cash entries using spreadsheets. These entries were collected in the financial administration and manually entered before being forwarded for processing in Finpak, creating a substantial administrative burden. They then opted for the Spend Cloud, which became operational at the first location within a month! This resulted in reduced administrative load in the organization.
Read the case
“We have more structure in our processes, and we have a clearer picture of budget use. A life without liabilities would make my life a lot more difficult.”
he Dutch Hospital Association previously relied on a single Excel file shared among three employees. When the liabilities administration in Excel no longer matched the invoices, it became essential to find an efficient solution for linking liabilities and invoices. After a unanimous decision in favor of Visma | ProActive, they wanted to get started as fast as possible. The implementation of liabilities and invoice processing in the Spend Cloud was ultimately completed in no time!
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“Partly thanks to effective communication, it ran very smoothly.”
HVO Querido has 3,300 employees, 70 treasuries, and 50 locations, each operating in its own unique way, making the situation highly prone to errors. Additionally, manually transferring the cash ledgers involved lots of unnecessary extra work, so they promptly took a decision: “we’re going to sort this out.” This decision led HVO Querido to the Spend Cloud’s Expense package. They have been working with the Spend Cloud for many years now. Stating that “using less cash is a safer and more secure way of working, so I would say that Visma | ProActive has definitely delivered the risk management that we were looking for.”
Read the caseOur promise: More time for care, education, or support — less time on processes.
The Spend Cloud is all about giving back time. We don’t just promise to make processes smarter; we demonstrate it.
The Spend Cloud is designed with one goal:
“Minimize time spent on acquiring goods and services to do my job.”
This North Star guides us. It directs everything we build and improve. As a result, processes become shorter, simpler, and smarter—leaving employees with more time for their core tasks. Less manual labor. Less frustration. Faster processing times.

Frequently asked questions:
You can often recognize the first signs immediately:
- Orders or expense claims require multiple approval layers
- Invoices are left pending or take a long time to be approved
- Employees spend a lot of time on ‘small’ steps that add up
- Or: only one person “knows how it works”
In short: the process is not running smoothly, costing a lot of time. The Spend Cloud focuses on giving back that time. With smart workflows, automatic processing, and insight at every step, it is made easier for both finance and employees.
And the real difference? We measure everything that happens within the process. This way, you can see precisely where time is lost and make targeted and structural optimizations.
Traditional expense claims involve manual work afterward: scanning, submitting, and reviewing. With the Spend Cloud Cards, this work is shifted forward in the process. Employees pay within set limits, without the hassle of claims.
And the best part? If an employee still needs to make an expense claim—such as in the case of a forgotten payment card—there is always a simple expense claim option available as a safety net.
No receipts. No separate forms. Instead, real-time insights and complete control. Discover all the benefits of the Spend Cloud Card.
Organizations using the Spend Cloud demonstrably save a significant amount of time on expense claims, procurement, and invoice processing. For example, the healthcare organization Cosis achieved a savings of 833 hours per year through smarter use of XML and well-structured approval workflows.
Want to get an idea of what’s possible? See how other organizations have structured and optimized their processes with the Spend Cloud.
Employees can easily submit expense claims or pay directly with a smart payment card. No hassle with separate forms or lost receipts.
For finance, everything—from transactions and expense claims to orders and invoices—is organized in one environment. No spreadsheets, no fragmented tools. Everything is automatically integrated with the financial system.
The result? Less manual work. One streamlined workflow. Complete control.
It all starts with a solid setup at the front end: clear workflows, linked orders, and smart agreements with suppliers.
The Spend Cloud automatically recognizes incoming invoices, fills in relevant details, and matches them directly with the appropriate order or associated contract.
Is everything correct? Then the invoice is processed automatically, without manual intervention. Completely touchless.
Learn more about how Spend Cloud Purchase to Pay makes this possible!
By smartly setting up the process, you can determine in advance who is authorized to order, up to what amount, and within which product categories. Each request automatically follows a predefined workflow, based on roles, budget responsibilities, and threshold amounts. No more hassle with Excel or scattered emails.
The result? Efficiency for the requester, control for finance, and complete insight into the process.
Learn more about how Procurement Management with the Spend Cloud makes this possible!
Centralize contract registration and set notifications for expiry dates or indexation moments. Link contract terms directly to invoices. This way, you’ll never miss a renewal or price change and can avoid budget surprises.
The result? Everything is organized, automated, and perfectly aligned with your workflow.
Discover how Contract Management in the Spend Cloud makes this possible!
Depending on the modules, you can be up and running in 6 to 8 weeks. During this period, we provide full support—from setup and integration with your financial system to training your team.
Curious about what this means for your implementation? Feel free to reach out for a consultation without any obligations. We’re happy to help!
Work smarter immediately without losing time
Curious about what the Spend Cloud can do for your organization? Schedule a demo and our experts will gladly show you how it works!
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Spend Cloud is a product of Visma | ProActive
Spend Cloud is een product van Visma | ProActive

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Want to seamlessly connect the Spend Cloud to the wishes of your organization? Our Account Managers are happy to discuss a precise offer with you that is specifically tailored to your organization.
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We’d love to show you what our Spend Cloud software can do during a live demo.