{"id":21139,"date":"2020-11-02T14:39:19","date_gmt":"2020-11-02T14:39:19","guid":{"rendered":"https:\/\/visma3.wpengine.com\/?post_type=cases&#038;p=21139"},"modified":"2025-11-11T14:41:12","modified_gmt":"2025-11-11T14:41:12","slug":"payment-cards-hvo-querido","status":"publish","type":"cases","link":"https:\/\/proactive-software.com\/en\/case\/payment-cards-hvo-querido\/","title":{"rendered":"Case HVO-Querido &#8211; Business prepaid card"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"21139\" class=\"elementor elementor-21139 elementor-20866\" data-elementor-post-type=\"cases\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2c4f52d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2c4f52d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4320c911\" data-id=\"4320c911\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d38acee elementor-widget elementor-widget-heading\" data-id=\"d38acee\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Case HVO-Querido &#8211; Business prepaid card<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cbcaf99 big_copy elementor-widget elementor-widget-text-editor\" data-id=\"7cbcaf99\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>In a timely manner, HVO-Querido\u2019s manager of the financial administration saw the error-prone situation led by 3,300 employees who all have their own method of processing cash funds. First, HVO tried to find a solution in a self-developed spreadsheet.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f9b452a elementor-hidden-phone elementor-hidden-tablet elementor-widget elementor-widget-text-editor\" data-id=\"5f9b452a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>When this turned out to be too laborious and error-prone, they came to Visma |\u00a0ProActive. The control options for both the financial administration and team leaders were the reason for a unanimous \u2018go\u2019 on\u00a0<span style=\"background-color: #fafafa;\">Visma |<\/span><span style=\"background-color: #fafafa;\">\u00a0<\/span>ProActive.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb56063 elementor-widget elementor-widget-sb_button\" data-id=\"fb56063\" data-element_type=\"widget\" data-widget_type=\"sb_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n<div class=\"elementor-widget-container elementor-align-left\">\n    <div class=\"elementor-button-wrapper\">\n        <a class=\"elementor-button elementor-button--secondary elementor-button--medium\" href=\"#next\" target=\"_self\"  >\n            Read more        <\/a>\n    <\/div>\n<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2fd15a3b\" data-id=\"2fd15a3b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-46d375be elementor-widget elementor-widget-image\" data-id=\"46d375be\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"2048\" height=\"1365\" src=\"https:\/\/proactive-software.com\/wp-content\/uploads\/2020\/11\/iStock-1430601013-scaled.jpg\" class=\"attachment-full size-full wp-image-43581\" alt=\"\" srcset=\"https:\/\/proactive-software.com\/wp-content\/uploads\/2020\/11\/iStock-1430601013-scaled.jpg 2048w, https:\/\/proactive-software.com\/wp-content\/uploads\/2020\/11\/iStock-1430601013-300x200.jpg 300w, https:\/\/proactive-software.com\/wp-content\/uploads\/2020\/11\/iStock-1430601013-1024x683.jpg 1024w, https:\/\/proactive-software.com\/wp-content\/uploads\/2020\/11\/iStock-1430601013-768x512.jpg 768w, https:\/\/proactive-software.com\/wp-content\/uploads\/2020\/11\/iStock-1430601013-1536x1024.jpg 1536w\" sizes=\"(max-width: 2048px) 100vw, 2048px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ecaa7b4 elementor-hidden-desktop elementor-widget elementor-widget-text-editor\" data-id=\"5ecaa7b4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>When this turned out to be too laborious and error-prone, they came to Visma |\u00a0ProActive. The control options for both the financial administration and team leaders were the reason for a unanimous \u2018go\u2019 on Visma |\u00a0ProActive.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-79dd86b6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"79dd86b6\" data-element_type=\"section\" id=\"next\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-1526ffd4\" data-id=\"1526ffd4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-15ca3e39 big_copy elementor-widget elementor-widget-text-editor\" data-id=\"15ca3e39\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ee9a0d elementor-widget elementor-widget-heading\" data-id=\"4ee9a0d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">HVO-Querido - Business prepaid cards<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ce4d1a elementor-widget elementor-widget-text-editor\" data-id=\"2ce4d1a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"color: #747474; font-size: 16px;\">3,300 employees, 70 treasuries and 50 locations, each with their own way of working. \u201cSuch a situation is simply very prone to errors, but my manager identified that in good time,\u201d Gerard Emmens, Financial Administration Office at HVO-Querido explains. \u201cIn addition manually transferring the cash ledgers involved lots of unnecessary extra work, so we promptly took a decision: we\u2019re going to sort this out.\u201d<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee0a5f9 elementor-widget elementor-widget-heading\" data-id=\"ee0a5f9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Spreadsheets and Account View<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af8f1ed elementor-widget elementor-widget-text-editor\" data-id=\"af8f1ed\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u201cWe started with the internal possibilities, such as a spreadsheet we developed ourselves for use in Account View. But this turned out to be too laborious.\u201d When HVO-Querido ran around with this issue, it engaged AAG consultancy agency. \u201cWe indicated that we were looking for a user-friendly system to manage our cash and bank books in a safe and secure way. The Spend Cloud was their first recommendation.\u201d<\/p><p>Together with his manager, a direct colleague from financial administration, an administrator, and three location staff members, Gerard Emmens evaluated the programme. \u201cThe working group gave a resounding \u2018yes\u2019, as it was immediately clear that the system would lead to better management options in the financial administration not only for us, but also for our team leaders.&#8221;<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0295299 elementor-widget elementor-widget-heading\" data-id=\"0295299\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">A clear implementation program<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f5b504 elementor-widget elementor-widget-text-editor\" data-id=\"4f5b504\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>After approval, implementation followed. \u201cA clear planning schedule was drawn up. It was transparent which information we had to supply to ensure the process would run as smoothly as possible, and it was clear what we could expect in return. Partly thanks to effective communication, it ran very smoothly.\u201d<\/p><p>As is often the case with the introduction of a new system, the staff were quite reticent at first. \u201cA new programme is always somewhat scary at first, but from the moment they started working with the programme, everyone was happy in no time. It took me less than a week to familiarise myself with it. And even a team manager who is quite conservative when it comes to new programmes was eventually wildly enthusiastic about it. Such moments truly represent a massive victory.\u201d<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50062fa4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"50062fa4\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-324ad8e8 elementor-widget elementor-widget-text-editor\" data-id=\"324ad8e8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Charles Stoelman<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b301981 elementor-widget elementor-widget-text-editor\" data-id=\"4b301981\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Team Leader Financial Administration<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ddf8c58 big_copy elementor-widget elementor-widget-text-editor\" data-id=\"3ddf8c58\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u201cUsing less cash enables us to master the risks. But we knew that in advance.\u201d<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b99d3f7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6b99d3f7\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1c944d4 elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1c944d4\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-cbcc1d3\" data-id=\"cbcc1d3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fa08ea0 elementor-hidden-desktop elementor-hidden-phone elementor-widget elementor-widget-spacer\" data-id=\"fa08ea0\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df78121 elementor-widget elementor-widget-image\" data-id=\"df78121\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/proactive-software.com\/wp-content\/uploads\/2023\/06\/19.png\" class=\"attachment-large size-large wp-image-30861\" alt=\"\" srcset=\"https:\/\/proactive-software.com\/wp-content\/uploads\/2023\/06\/19.png 975w, https:\/\/proactive-software.com\/wp-content\/uploads\/2023\/06\/19-300x300.png 300w, https:\/\/proactive-software.com\/wp-content\/uploads\/2023\/06\/19-150x150.png 150w, https:\/\/proactive-software.com\/wp-content\/uploads\/2023\/06\/19-768x768.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9cf2751 big_copy elementor-widget elementor-widget-text-editor\" data-id=\"9cf2751\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Are you ready for smart payment cards?<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed74a95 elementor-widget elementor-widget-text-editor\" data-id=\"ed74a95\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Download the factsheet to check out all benefits of working with this Spend Cloud module!<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3752498 elementor-widget elementor-widget-sb_button\" data-id=\"3752498\" data-element_type=\"widget\" data-widget_type=\"sb_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n<div class=\"elementor-widget-container elementor-align-justified\">\n    <div class=\"elementor-button-wrapper\">\n        <a class=\"elementor-button elementor-button--default elementor-button--medium\" href=\"?downloadcards\" target=\"_self\"  >\n            <i class=\"fas fas fa-download\"><\/i>Download factsheet        <\/a>\n    <\/div>\n<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-d394533 elementor-widget elementor-widget-heading\" data-id=\"d394533\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cash or card?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ac72e1e elementor-widget elementor-widget-text-editor\" data-id=\"4ac72e1e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"color: #777777; font-size: 15px;\">HVO-Querido has been working with the Spend Cloud Cash &amp; Card for three years now and has developed a structured working method. \u201cWe pay minor expenses for customers in cash, as many of our customers are unable to deal with digital payment. On the other side are business expenses. And we pay those using our cards unless it concerns major expenses. Those are processed via the procurement department.\u201d<\/span><\/p><p>The registration of expenses has also changed. \u201cThe function of my department has shifted from an input function to a control function. Location staff registers cash expenses in the digital cash ledger and we check it. For our digital expenses, we extract a file from our ABN Amro environment and import that into the Spend Cloud. The mutations are automatically entered directly into the correct card ledger. These are then forwarded to location staff, so that they can specify the expenses.\u201d<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43a6833 elementor-widget elementor-widget-heading\" data-id=\"43a6833\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Realized objectives<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad768c1 elementor-widget elementor-widget-text-editor\" data-id=\"ad768c1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"color: #777777; font-size: 15px;\">Now that HVO-Querido has been using the Spend Cloud for three years, it is time to reflect on the objective and how it was realized. \u201cWe now have ongoing access to our treasuries and cash assets. This means that we can intervene at any given moment, and not when the harm has already been done.\u201d As a manager, Charles Stoelman has something to add to this: \u201cUsing 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 are looking for. But we knew that in advance.\u201d<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b24ca9c elementor-widget elementor-widget-text-editor\" data-id=\"7b24ca9c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-6bf41a38 sticky_holder\" data-id=\"6bf41a38\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4f8eab14 sticky elementor-hidden-tablet elementor-hidden-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f8eab14\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-2b0efe62\" data-id=\"2b0efe62\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0adcd33 elementor-widget elementor-widget-image\" data-id=\"0adcd33\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"573\" height=\"484\" src=\"https:\/\/proactive-software.com\/wp-content\/uploads\/2023\/06\/ZbvMPprUk-30-1.png\" class=\"attachment-large size-large wp-image-31027\" alt=\"\" srcset=\"https:\/\/proactive-software.com\/wp-content\/uploads\/2023\/06\/ZbvMPprUk-30-1.png 573w, https:\/\/proactive-software.com\/wp-content\/uploads\/2023\/06\/ZbvMPprUk-30-1-300x253.png 300w\" sizes=\"(max-width: 573px) 100vw, 573px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1685817b big_copy elementor-widget elementor-widget-text-editor\" data-id=\"1685817b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Are you ready for smart payment cards?<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f289908 elementor-widget elementor-widget-text-editor\" data-id=\"4f289908\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Download the factsheet to check out all benefits of working with this Spend Cloud module!<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e50caa3 elementor-widget elementor-widget-sb_button\" data-id=\"e50caa3\" data-element_type=\"widget\" data-widget_type=\"sb_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n<div class=\"elementor-widget-container elementor-align-justified\">\n    <div class=\"elementor-button-wrapper\">\n        <a class=\"elementor-button elementor-button--default elementor-button--medium\" href=\"?downloadcards\" target=\"_self\"  >\n            <i class=\"fas fas fa-download\"><\/i>Download factsheet        <\/a>\n    <\/div>\n<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6d40b17 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6d40b17\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-68c5d39\" data-id=\"68c5d39\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a68c3f3 elementor-widget elementor-widget-heading\" data-id=\"a68c3f3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Wondering what the Spend Cloud could do for you?<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7268713 elementor-widget elementor-widget-sb_button\" data-id=\"7268713\" data-element_type=\"widget\" data-widget_type=\"sb_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n<div class=\"elementor-widget-container elementor-align-center\">\n    <div class=\"elementor-button-wrapper\">\n        <a class=\"elementor-button elementor-button--default elementor-button--large\" href=\"?contactgeneral\" target=\"_self\"  >\n            Contact us        <\/a>\n    <\/div>\n<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-67627fb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"67627fb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9099e27\" data-id=\"9099e27\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a98dc4b elementor-widget elementor-widget-spacer\" data-id=\"a98dc4b\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>With the Spend Cloud, HVO-Querido no longer has to keep track of spreadsheets to register expenses. This is how they improved an error-prone situation with 3,300 employees!<\/p>\n","protected":false},"featured_media":43581,"parent":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"modules":[],"branches":[82],"back_end_gevuld":[],"class_list":["post-21139","cases","type-cases","status-publish","has-post-thumbnail","hentry","branches-healthcare-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>HVO-Querido | Business prepaid card - Visma | ProActive<\/title>\n<meta name=\"description\" content=\"With the Spend Cloud, HVO-Querido no longer has to keep track of spreadsheets to register expenses. 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