Fewer expense claims. More time for what truly matters.
Do you (still) recognize these expense claim frustrations?
Many organizations once “handled” expense claims with forms, emails, and Excel sheets. In practice, this often still leads to:

Employees:
- Receipts in bags
- Laborious forms
- Advance payment with your own money

Finance:
- Expense claims submitted late or not at all
- Employees avoiding expense claims
- Unsafe and inconvenient
Sounds familiair? See how the Spend Cloud resolves this.

The solution? Smart expense claiming ánd paying, all in one system.
The Spend Cloud helps organizations say goodbye to slow, error-prone expense claim processes.
You give employees smart payment cards, an intuitive app, and clear policy boundaries, while Finance can rely on real-time visibility and control.
Central insight, less administration, smart automation: that is the power of the Spend Cloud.
- Smart payment cards (physical or digital)
- Expense claim app with scan, recognition, and automatic processing
- Configurable workflows, budget limits, and approval routes
Smart claiming ánd paying. For employees ánd Finance.
With the Spend Cloud, you streamline the entire process of business expenses: from payment to approval. Smart cards, real-time expense claims, and clear workflows make expense claiming easier than ever or even unnecessary.
Employee:

- Smart payment cards with clear limits and settings
- Expense claiming via the app: scan the receipt → choose type → send
- Less administrative burden and frustration
Finance:

- Real-time overview of expense claims and transactions
- Customizable budgets, roles, and approvals
-
Automatically applied
workflows
What are the outcomes:

- Increased employee satisfaction through reduced frustration
- A single cohesive process, seamlessly integrated
- Less manual work equals more job satisfaction
Spend Cloud Expense:
Payment cards when possible. Expense claiming when necessary.
Employees independently pay with their payment cards, while Finance maintains control. Expense claims are only used for exceptions, like travel costs. All data is consolidated into a single central overview, real-time connected to budgets, roles, and policies

Spend Cloud Cards
Employees easily pay themselves with smart payment cards. No expense claims needed for lunch receipts, train tickets, or gifts. You set the limits and rules.

Expense claiming via the app
For expenses without a card option, employees use the app. Scan the receipt, choose the type, send. Done within three clicks!
Want to know more about Spend Cloud Expense?Â
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.
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“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!”
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“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.
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“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 case
Curious about our pricing?
On our pricing page, you can see a monthly price estimate tailored specifically to your organization using a few selections and sliders!
Ready to finally simplify expense claiming?
The Spend Cloud gives you the freedom ánd control to manage expenses quickly, safely, and intelligently, for both employees ánd Finance.
Start now and:
- Save time ánd frustration
- Reduce the risk of manual errors
- Always gain real-time insight
- Ensure satisfied colleagues ánd happier controllers

Frequently Asked Questions about Spend Cloud Expense
Spend Cloud Expense is not just a standalone expense claim tool or payment card solution. It combines payment, claiming, ánd control in one central environment.
And because it’s part of the complete Spend Cloud, you can easily expand to a full Purchase to Pay solution — including digital purchase requests, contract management, and touchless invoice processing.
This way, your expense claim process is not isolated but part of a company-wide spending platform.
Want to know more? See how expense claiming and P2P come together in the Spend Cloud.
Our philosophy is: use payment cards when possible, and expense claims when necessary. Cards are convenient for daily or predictable expenses, while claims remain for exceptions like travel costs.
Expense claims are submitted via the app or web version. Approval happens with one click, based on set authorizations. As an organization, you decide whether to approve by expense type, department, or spending moment.
The Spend Cloud combines both. With smart payment cards, an employee pays directly from the pre-set budget. Expense claims are still used for exceptions, like travel costs. Everything is consolidated in the same overview, ensuring no fragmentation.
No. The app is intuitive and designed for simple, everyday use.
Yes, Spend Cloud integrates with over 40 systems, including Visma.net, AFAS, Exact, and Twinfield. This ensures that expense claims and payments seamlessly fit into your existing financial workflow.
We adhere to the highest standards. Visma | ProActive is ISAE 3402 Type II certified, and Spend Cloud complies with all GDPR and data security requirements. You control who has access to which data.
Within a few weeks, with support and implementation assistance from our team.
Working smarter starts with insight ánd simplicity.
Leave slow administration and expense claim hassles behind. Experience how your team gains time, and Finance gains complete control.
Visma | ProActive
info@proactive.nl
(+31) 23 54 22 299
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Spend Cloud is een product van Visma | ProActive
Spend Cloud is een product van Visma | ProActive

Contact request
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.
Meer weten over Spend Cloud Expense
Ontdek alle voordelen voor zowel medewerkers als finance in de factsheet!
Get to know more about Expense
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Ontdek hoe de Spend Cloud jouw organisatie kan helpen!