A spend control solution acts as a financial gatekeeper for your company, ensuring that spending is within budget and that every dollar spent is tracked and monitored. It enables you to set limits and require purchase approvals and provides a real-time overview of expenses. This information can help you maintain control over costs and avoid unexpected financial issues.
A spend control solution gives you full control over your company’s finances, as you set the rules for who can spend, how much, and on what. Employees use corporate cards or submit requests in accordance with your guidelines. Every transaction is tracked in real time, giving you a live feed of all spending activity. It connects with your existing financial systems, keeping everything organized.
Setting spending controls and approval processes helps you stop unnecessary expenses before they happen. By doing so, you can control where and how much money is being spent. When expenses are kept within predefined limits, you can avoid overspending and reduce costs. Also, by setting up an approval process, you can ensure that only authorized expenses are made and that proper documentation is submitted. This can help you avoid costly mistakes.
Absolutely! The best feature of our spend control solution is real-time tracking. The moment an employee makes a purchase or submits an expense, you see it instantly. This immediate visibility lets you keep a finger on the pulse of your company’s spending so you can quickly address any issues and adjust budgets if needed. Using our solution is like having a live feed of your financial activity at all times that allows you to make informed decisions based on the most current data.
Spend control solutions are designed to grow with businesses. Whether you’re a small startup or an expanding enterprise, these solutions adapt to your changing needs. You can easily add new team members, departments, or even international entities. Setting up additional spending policies or integrating with new financial systems is also simple. This scalability means you won’t outgrow the solution, and it continues to support your financial management as your business reaches new heights.
Mesh’s T&E management platform is an all-in-one global enterprise travel and expense management solution. Integrating corporate cards, expense management, and travel bookings into a single system simplifies handling travel expenses across multiple entities. With AI-powered automation and customizable policies, Mesh Payments provides real-time visibility into spending while promoting compliance and reducing costs. This platform, which supports multiple currencies, is a comprehensive travel expense management system that manages the entire T&E lifecycle from request to reconciliation.
Mesh supports global operations by offering multi-entity solutions for large and international companies. With local currency card issuing and global payment acceptance, Mesh Payments handles transactions in over 200 currencies worldwide. The platform complies with regional security and regulatory requirements, which makes it ideal for businesses operating across different countries. Mesh also facilitates international reimbursements by automating the process and supporting 100+ countries. By providing real-time visibility and customizable policies, Mesh simplifies travel expense management across the globe. Its AI-powered automation allows companies to handle their travel expense management system worldwide effectively.
Mesh corporate cards provide complete control over transactions with virtual and physical cards. These smart cards have features like spend limits, vendor locks, and real-time alerts that allow you to manage payments securely. Mesh corporate cards integrate with mobile wallets, which enable contactless payments for added convenience. Receipts are automatically collected and matched to transactions, simplifying the expense reporting process. By offering real-time visibility and advanced controls, Mesh Payments enhances your travel and expense management system, making tracking and managing travel expenses across your organization easier.
Mesh automates expense management by eliminating traditional expense reports. It tracks, categorizes, and analyzes your expenses across all entities in real time. Mesh automates reimbursement processes, allowing timely payments to employees in over 100 countries. With best-in-class travel expense controls, you can oversee all travel spending, from booking flights and hotels to paying for the cab ride home. Receipts are automatically captured and matched to transactions, simplifying the entire process. Mesh Payments transforms your travel expense management by providing real-time visibility and automation, making it more accurate and hassle-free.
Mesh assists with travel bookings by offering Mesh Travel, which allows you to book business travel directly or through your preferred Travel Management Company, including support for offline bookings. You gain control over every cost before, during, and after the trip. Smart traveler cards ensure all trip expenses are within company policy and budget. Mesh automatically captures receipts and transactions to eliminate the need for expense reports and provide complete control over travel spending. With support for multi-entity travel, local currencies, and corporate rates, Mesh Payments makes worldwide travel cost-effective and compliant.
Expense management software is a digital solution that helps businesses track, process, and control company spending. It automates expense reporting, receipt collection, and reimbursement workflows while providing real-time visibility into all company transactions and ensuring policy compliance.
Modern expense management software uses AI and automation to eliminate manual tasks like data entry, receipt matching, and expense categorization. It automatically syncs with your accounting system, matches receipts to transactions, and enforces expense policies, saving finance teams hours of work each month.
Key features should include automated receipt capture, real-time expense tracking, policy enforcement, automated approval workflows, ERP integration capabilities, and comprehensive reporting. The best business expense management solutions also offer virtual cards, mobile compatibility, and multi-currency support.
Our expense management platform supports multiple entities, currencies, and tax requirements while providing unified visibility across all operations. It includes features like local currency card issuing, global payment acceptance, and automated compliance with regional regulations.
Yes, modern expense management solutions offer seamless integration with major ERPs, accounting software, HRIS systems, and other business tools. This ensures automated data sync, reduced manual entry, and consistent reporting across all platforms.
Mesh is available to businesses in the US, EU, UK, Hong Kong, Singapore, and other select locations.
Mesh is accounting system agnostic. It inherits your accounting software set up so to streamline the transition of data between platforms. You can import your accounting custom fields and export all your transaction details every time you wish to reconcile your transactions. For more information, please check out all our accounting integrations here.
A subscription is a transaction that repeats multiple times on a specific vendor, such as online software. When you create a subscription payment with Mesh , a dedicated virtual card per subscription is automatically issued via Metropolitan Commercial Bank so to prevent use of the card outside the designated vendor. When you generate an on-demand payment with limits, a virtual card will be issued by MCB that can be used at any vendor under the specified controls that you define.
Mesh Payments virtual cards can be used for online purchases and linked to digital wallets like Apple Pay and Google Pay. Virtual cards can also be linked in a matter of seconds to any physical Plug & Pay™ card for in-person purchases.
No. Mesh is designed to enable businesses to control company expenses in the simplest way possible – no cash necessary.
A virtual card is a digital card funded by a U.S. bank account that you connect to your Mesh Payments Balance. Virtual cards can be precision controlled by amount, vendor, number of transactions, and more.
Mesh Payments uses virtual debit cards issued by Metropolitan Commercial Bank.
Yes. You may add your Mesh VISA card to your Apple wallet and can use your Mesh card anywhere that accepts Apple Pay. To add your Mesh card to Apple wallet, please follow the standard instructions for Add a Card and How to use a card via Apple Pay.
We can connect with any bank in the U.S. using ACH or Wire.
With Mesh your finance team can enable company wide spend for any employee without handing out multiple corporate cards. Mesh will also ensure your business continuity by minimizing critical vendors payment failures so you can sleep better at night. Plus, you’ll earn cashback on every transaction that goes right back into your cash flow. Corporate cards typically don’t offer any return on your spend or try to confuse you with useless points – it’s like leaving money on the table.
Mesh uses 256-bit Secure Socket Layer (SSL) encryption to protect your personal data. Your information is stored in highly-secure data centers that use state-of-the art electronic surveillance and multi-factor access control systems.
Mesh is available in feature packages for all types of businesses at no cost, no hidden fees. Please see our pricing page for details.
Go to app.meshpayments.com and sign up , it takes only a few minutes to open an account.
Mesh transforms the way finance teams operate with a centralized spend management platform that gives finance managers a whole new insight into their corporate spend. With this heightened visibility, we empower finance managers to know everything about their business, so they are equipped with all the insights, control and seamless automation they need to optimize spend, saving time and effort along the way.
It takes only a few minutes to set up an account and start issuing virtual cards. There is no waiting period.
Mesh uses the Visa exchange rates or the European Central Bank (ECB) exchange rate (for Cards issued in Europe) to calculate the equivalent value in their local currency automatically. In Europe, the European Central Bank (ECB) publishes reference exchange rates between currencies. On top of the Visa / ECB rate, VISA adds a small mark-up to its mid-market rate. Mesh also adds a small mark-up to cover costs associated with multi currency transactions, as detailed in our Card Holder Agreement.
Companies with a EUR or GBP balance currency can see the exchange rate on our currency calculator here.
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