[{"data":1,"prerenderedAt":4176},["ShallowReactive",2],{"en-blog/making-tax-digital-penalties":3,"en-global-content":1622,"en-article-global-content":2893,"en-blog-article-more-articles-4c34e454-8993-474f-a2d1-5c1f6a260e14":3157,"en-blog-article-more-articles-213961505945487":4171},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":1610,"full_slug":1611,"sort_by_date":1612,"position":1613,"tag_list":1614,"is_startpage":29,"parent_id":1615,"meta_data":26,"group_id":1616,"first_published_at":6,"release_id":26,"lang":33,"path":26,"alternates":1617,"default_full_slug":1611,"translated_slugs":1618},"Making Tax Digital penalties: What triggers them and how to stay compliant","2026-08-28T14:11:35.773Z","2026-09-01T15:48:23.567Z","2026-09-01T15:48:23.632Z",213961505945487,"3750568b-b238-412f-a7ff-2dd0f6f13d60",{"_uid":11,"roles":12,"title":4,"author":60,"topics":114,"content":135,"noIndex":29,"category":1572,"language":1596,"component":1585,"heroMedia":1597,"sidebarCta":1598,"publishedAt":1599,"redirectUrl":71,"listingImage":1600,"metaDescription":1607,"bottomArticleCta":1608,"componentsAfterTheArticle":1609},"ee31c6e2-29c7-4b1c-a29c-60392656bbce",[13,43],{"name":14,"created_at":15,"published_at":16,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":24,"full_slug":25,"sort_by_date":26,"position":27,"tag_list":28,"is_startpage":29,"parent_id":30,"meta_data":26,"group_id":31,"first_published_at":32,"release_id":26,"lang":33,"path":26,"alternates":34,"default_full_slug":25,"translated_slugs":35,"_stopResolving":42},"Accountant","2022-09-19T13:36:28.660Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:19.576Z",190903620,"27d61cde-0093-4c00-be8d-5cda47ef9ed7",{"_uid":21,"name":22,"component":23},"8ee7bc5e-ac5d-48c5-8424-e446196b1d39","Accountants","tag","accountants","blog/role/accountants",null,0,[],false,190903385,"08848a19-819c-4c13-a216-e645ec1fe12a","2022-11-02T15:24:19.056Z","default",[],[36,38,40],{"path":25,"name":26,"lang":37,"published":26},"fr",{"path":25,"name":26,"lang":39,"published":26},"de",{"path":25,"name":26,"lang":41,"published":26},"es",true,{"name":44,"created_at":45,"published_at":16,"updated_at":46,"id":47,"uuid":48,"content":49,"slug":50,"full_slug":51,"sort_by_date":26,"position":27,"tag_list":52,"is_startpage":29,"parent_id":30,"meta_data":26,"group_id":53,"first_published_at":54,"release_id":26,"lang":33,"path":26,"alternates":55,"default_full_slug":51,"translated_slugs":56,"_stopResolving":42},"Finance Manager","2024-11-14T16:28:41.778Z","2026-03-12T10:48:04.003Z",579108186,"ac906673-c199-4d4b-900d-b03772ebac22",{"_uid":21,"name":44,"component":23},"finance-manager","blog/role/finance-manager",[],"bec0b063-2fa8-44a2-aefc-e1335f13ea22","2024-11-14T16:29:40.515Z",[],[57,58,59],{"path":51,"name":26,"lang":37,"published":26},{"path":51,"name":26,"lang":39,"published":26},{"path":51,"name":26,"lang":41,"published":26},{"name":61,"created_at":62,"published_at":63,"updated_at":64,"id":65,"uuid":66,"content":67,"slug":102,"full_slug":103,"sort_by_date":26,"position":104,"tag_list":105,"is_startpage":29,"parent_id":106,"meta_data":26,"group_id":107,"first_published_at":108,"release_id":26,"lang":33,"path":26,"alternates":109,"default_full_slug":103,"translated_slugs":110,"_stopResolving":42},"Maxime Reding","2026-03-17T08:39:44.277Z","2026-04-28T15:28:02.354Z","2026-04-28T15:28:02.367Z",155841266825828,"30784b49-7d4f-4209-ab52-8ffb11664c7d",{"_uid":68,"links":69,"picture":84,"lastName":88,"component":89,"firstName":90,"description":91},"88e4340f-e2bc-42fe-a8f0-79dafdd55f97",[70],{"tag":71,"_uid":72,"hide":29,"icon":73,"link":78,"type":71,"label":71,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":42,"horizontalFill":29},"","4ba61fb6-4159-4585-93bd-76c8eacb7945",{"id":74,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":75,"copyright":71,"fieldtype":76,"meta_data":77,"is_external_url":29},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",{},{"id":71,"url":79,"linktype":80,"fieldtype":81,"cached_url":79},"https://www.linkedin.com/in/maxime-reding-0777b7172/","url","multilink","primary","cta",{"id":85,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":86,"copyright":71,"fieldtype":76,"meta_data":87,"is_external_url":29},155841634553012,"https://a.storyblok.com/f/146026/512x512/cf0a8b2f08/t3hl6t4qp-u02bu4jb4d8-a93da9d1f60a-512.png",{},"Reding","author","Maxime",{"type":92,"content":93},"doc",[94],{"type":95,"attrs":96,"content":98},"paragraph",{"textAlign":26,"key":97},"p-0",[99],{"text":100,"type":101},"Originally from Luxembourg and educated at the Rotterdam School of Management, he brings a sharp analytical mindset and a background in strategic management to our finance team. Maxime joined Spendesk in 2021 and has grown steadily through the ranks since, becoming our resident finance engineer.","text","maxime-reding","blog/author/maxime-reding",-1140,[],176408854,"21643648-1964-4f50-93e1-adc353a4c358","2026-03-17T08:43:08.491Z",[],[111,112,113],{"path":103,"name":26,"lang":37,"published":26},{"path":103,"name":26,"lang":39,"published":26},{"path":103,"name":26,"lang":41,"published":26},[115],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":121,"slug":123,"full_slug":124,"sort_by_date":26,"position":125,"tag_list":126,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":128,"first_published_at":129,"release_id":26,"lang":33,"path":26,"alternates":130,"default_full_slug":124,"translated_slugs":131,"_stopResolving":42},"Finance strategy","2022-10-19T17:57:50.961Z","2026-03-12T10:47:22.861Z",206171406,"4c34e454-8993-474f-a2d1-5c1f6a260e14",{"_uid":122,"name":116,"component":23},"11f616ce-9f54-42bb-967c-fdb960b62cef","finance-strategy","blog/topic/finance-strategy",-100,[],176456153,"5a788f5a-b853-4a56-959b-15a4ea69fd80","2022-11-02T15:24:54.143Z",[],[132,133,134],{"path":124,"name":26,"lang":37,"published":26},{"path":124,"name":26,"lang":39,"published":26},{"path":124,"name":26,"lang":41,"published":26},{"type":92,"attrs":136,"content":137},{"backgroundColor":26},[138,148,182,192,201,210,219,299,308,332,340,363,416,425,433,462,470,493,501,544,567,579,587,596,625,633,642,708,717,725,761,770,778,801,810,819,885,894,917,925,946,968,976,984,992,1000,1008,1030,1038,1046,1054,1062,1084,1134,1170,1192,1200,1209,1217,1245,1253,1275,1283,1311,1319,1366,1394,1402,1410,1418,1426,1434,1442,1450,1459,1468,1496,1504,1512,1521,1529,1538,1546,1555,1563],{"type":95,"attrs":139,"content":140},{"textAlign":26,"key":97},[141],{"text":142,"type":101,"marks":143},"A few months of poor process control can push your finance team past the points threshold. From there every late submission costs another £200, with late payment charges and interest running separately. Most MTD penalties come from broken workflows, not missed deadlines. The best protection is in place before the first quarterly cycle runs.",[144],{"type":145,"attrs":146},"textStyle",{"color":147},"#000000",{"type":95,"attrs":149,"content":151},{"textAlign":26,"key":150},"p-1",[152,157,177],{"text":153,"type":101,"marks":154},"VAT and Making Tax Digital for ",[155],{"type":145,"attrs":156},{"color":147},{"text":158,"type":101,"marks":159},"Income Tax Self Assessment",[160,172,175],{"type":161,"attrs":162},"link",{"href":163,"uuid":164,"anchor":26,"target":165,"linktype":166,"story":167},"/blog/vat-reclaim-uk","4ccf2b05-11c4-49e9-964b-f4d051222a95","_self","story",{"name":168,"id":169,"uuid":164,"slug":170,"url":171,"full_slug":171,"_stopResolving":42},"VAT reclaim in the UK: What you can claim and what evidence you need",164479463370307,"vat-reclaim-uk","blog/vat-reclaim-uk",{"type":145,"attrs":173},{"color":174},"#1155CC",{"type":176},"underline",{"text":178,"type":101,"marks":179}," (ITSA) both use points-based late submission penalties, but they run as separate regimes with separate point pools and separate thresholds. Every taxpayer mandated into MTD ITSA sits at a flat four-point threshold. VAT thresholds vary with filing frequency. The older Self Assessment penalty system continues to apply to trust and estate returns, partnership returns, and non-resident company returns, and from 6 April 2027 the new penalties extend to everyone who files a personal Self Assessment return. This is general guidance for UK finance teams, not tax advice. Penalty calculations depend on your specific circumstances, so consult a qualified tax adviser before making decisions based on the rules covered here.",[180],{"type":145,"attrs":181},{"color":147},{"type":183,"attrs":184,"content":186},"heading",{"level":185,"textAlign":26},2,[187],{"text":188,"type":101,"marks":189},"Understand how the MTD penalty system works",[190],{"type":145,"attrs":191},{"color":147},{"type":95,"attrs":193,"content":195},{"textAlign":26,"key":194},"p-2",[196],{"text":197,"type":101,"marks":198},"Late submission penalties and late payment penalties work independently. Crossing the threshold on one doesn't affect the other, and a single overdue return can trigger both.",[199],{"type":145,"attrs":200},{"color":147},{"type":183,"attrs":202,"content":204},{"level":203,"textAlign":26},3,[205],{"text":206,"type":101,"marks":207},"Late submission penalties: the points-based system",[208],{"type":145,"attrs":209},{"color":147},{"type":95,"attrs":211,"content":213},{"textAlign":26,"key":212},"p-3",[214],{"text":215,"type":101,"marks":216},"Every time you miss a filing deadline, you receive one penalty point. No financial penalty applies until your points reach the threshold for your regime, and the two regimes set that threshold differently.",[217],{"type":145,"attrs":218},{"color":147},{"type":220,"attrs":221},"blok",{"id":222,"body":223},"1cb993bb-c719-4511-ac19-1009d2e0dfeb",[224],{"_uid":225,"table":226,"component":298,"noLineBreak":29,"highlightLastRow":29},"237f3fb8-a0ce-420e-b51c-cf8e74152e6b",{"tbody":227,"thead":284,"fieldtype":297},[228,243,256,270],{"_uid":229,"body":230},"c5a418ad-ff86-4ebc-9467-1daa31c81456",[231,234,237,240],{"_uid":232,"value":233},"b35938bf-02b6-4271-bb84-5eb7e46c0a7b","MTD ITSA, all mandated taxpayers",{"_uid":235,"value":236},"03ba5b6b-93ed-414f-b0a9-3e4276266d55","Quarterly updates and the Final Declaration, in one pool",{"_uid":238,"value":239},"04f0ec6e-3515-4ff7-bdfa-b46f15f6cafd","4 points",{"_uid":241,"value":242},"df540afd-a4fe-471f-9d10-0add570e70ae","£200",{"_uid":244,"body":245},"15bfa2b7-bbbf-42a6-b4a5-6bd581f676a0",[246,249,252,254],{"_uid":247,"value":248},"1b64696b-ecc3-4bea-8fbf-94d6f954e631","MTD VAT, quarterly",{"_uid":250,"value":251},"a1471760-f607-422c-90ae-98eecb98d4c5","VAT quarterly returns",{"_uid":253,"value":239},"127572b5-b277-4843-8eb4-67cf3874f165",{"_uid":255,"value":242},"d439765a-57a2-4714-9b11-dbe13aeeca72",{"_uid":257,"body":258},"2cdff9cb-c43a-4a09-89c4-440a9eee0ef7",[259,262,265,268],{"_uid":260,"value":261},"a5c7e8af-f22c-4992-9f29-24271aea165b","MTD VAT, monthly",{"_uid":263,"value":264},"b84dd3cc-b727-46ea-873a-1784330a603e","Monthly VAT filers",{"_uid":266,"value":267},"a9d2b8b4-3373-40e1-820a-acb67f17f21d","5 points",{"_uid":269,"value":242},"3968d3f8-e643-4205-9b67-739f416fb494",{"_uid":271,"body":272},"ecc5b022-6fce-4e74-8aca-da58e2fed299",[273,276,279,282],{"_uid":274,"value":275},"5efa32bb-f313-432d-b8a9-d13013d19971","MTD VAT, annual",{"_uid":277,"value":278},"a8f279ae-820e-487c-838b-46ea2c01ea49","Annual accounting scheme filers",{"_uid":280,"value":281},"3785caf7-aeb8-4234-a541-366fb4cb990b","2 points",{"_uid":283,"value":242},"b2cfc59c-694e-4988-b95b-e3e6acff9612",[285,288,291,294],{"_uid":286,"value":287},"dc738de1-c0fb-44f7-80ab-75fb130feb04","Regime and filing frequency",{"_uid":289,"value":290},"aa40865a-4b0c-4880-86fe-f31f9f57a755","Applies to",{"_uid":292,"value":293},"cceca46b-c4c6-40c4-9de7-330c2e5e35b0","Points threshold",{"_uid":295,"value":296},"207436a4-0320-45bf-9001-be58aee8afde","Penalty at threshold","table","simpleTable",{"type":95,"attrs":300,"content":302},{"textAlign":26,"key":301},"p-4",[303],{"text":304,"type":101,"marks":305},"Once you hit the threshold, every further late submission triggers an additional £200. The amount stays at £200 per failure, and the penalties keep stacking.",[306],{"type":145,"attrs":307},{"color":147},{"type":95,"attrs":309,"content":311},{"textAlign":26,"key":310},"p-5",[312,317,327],{"text":313,"type":101,"marks":314},"Two details in that table cause the most confusion. First, MTD ITSA has no separate annual threshold: a late Final Declaration earns one point in the same four-point pool as a late quarterly update, so the £200 lands on the fourth missed deadline of either kind. Second, VAT and ITSA points sit in ",[315],{"type":145,"attrs":316},{"color":147},{"text":318,"type":101,"marks":319},"separate pools",[320,324,326],{"type":161,"attrs":321},{"href":322,"uuid":26,"anchor":26,"target":323,"linktype":80},"https://www.gov.uk/guidance/penalties-for-making-tax-digital-for-income-tax","_blank",{"type":145,"attrs":325},{"color":174},{"type":176},{"text":328,"type":101,"marks":329},", so a late VAT return won't push you closer to the ITSA threshold.",[330],{"type":145,"attrs":331},{"color":147},{"type":183,"attrs":333,"content":334},{"level":203,"textAlign":26},[335],{"text":336,"type":101,"marks":337},"Late payment penalties: percentage-based charges",[338],{"type":145,"attrs":339},{"color":147},{"type":95,"attrs":341,"content":343},{"textAlign":26,"key":342},"p-6",[344,349,358],{"text":345,"type":101,"marks":346},"From 31 May 2025, ",[347],{"type":145,"attrs":348},{"color":147},{"text":350,"type":101,"marks":351},"new late-payment rates",[352,355,357],{"type":161,"attrs":353},{"href":354,"uuid":26,"anchor":26,"target":323,"linktype":80},"https://www.legislation.gov.uk/uksi/2025/589/pdfs/uksiem_20250589_en_001.pdf",{"type":145,"attrs":356},{"color":174},{"type":176},{"text":359,"type":101,"marks":360}," apply to VAT and to early Making Tax Digital ITSA volunteers. If you are mandated into MTD ITSA, the percentages step up after your first year, so the charge for the same delay depends on which tax year the payment relates to.",[361],{"type":145,"attrs":362},{"color":147},{"type":220,"attrs":364},{"id":365,"body":366},"e53abbb6-8f1b-4aa8-ae50-482d31bc8bff",[367],{"_uid":368,"table":369,"component":298,"noLineBreak":29,"highlightLastRow":29},"5a23c657-9de6-493c-bffc-d30b6a2ec418",{"tbody":370,"thead":406,"fieldtype":297},[371,382,394],{"_uid":372,"body":373},"d58bd278-e52e-47e6-a573-abd80ae75b5a",[374,377,380],{"_uid":375,"value":376},"9b69c1c5-ba9f-425a-a77c-c27837210bf7","Days 1 to 15",{"_uid":378,"value":379},"bfb334fe-72e7-4116-af5e-8c5c2d0e8f77","No penalty if you pay in full or agree a Time to Pay arrangement by day 15",{"_uid":381,"value":379},"0b6b21a2-69dc-404b-9837-e534320c98ce",{"_uid":383,"body":384},"ee232b38-a99c-4469-b038-7ce94d823210",[385,388,391],{"_uid":386,"value":387},"99c800c0-3219-406f-8322-322ed4f4385f","Days 16 to 30",{"_uid":389,"value":390},"8a45eced-f766-4624-b3df-f6deaabcf176","3% of tax outstanding at day 15",{"_uid":392,"value":393},"b73d9e78-d1fe-4ed2-9499-40fc2cbf7579","4% of tax outstanding at day 15",{"_uid":395,"body":396},"ebd53559-eaa1-4345-8861-cae24926a425",[397,400,403],{"_uid":398,"value":399},"df865e04-be91-4ff8-b030-63d6e5699f20","Day 31 onwards",{"_uid":401,"value":402},"6c8d1d36-716a-4a32-81c0-20f2ef4fa5be","A further 3% of tax outstanding at day 30, plus 10% per annum accruing daily until you pay, for up to two years",{"_uid":404,"value":405},"8b8b8ae9-e1db-40f3-942b-ca020951a3f8","A further 4% of tax outstanding at day 30, plus 10% per annum accruing daily until you pay, for up to two years",[407,410,413],{"_uid":408,"value":409},"62601ef5-eaf9-4f47-bd42-74d7e58d61c7","Period from due date",{"_uid":411,"value":412},"880545bb-7376-4c49-ae63-8096e94357b4","2026/27 tax year",{"_uid":414,"value":415},"c5605cd0-f972-4881-83a6-a8f10c1fa575","2027/28 tax year onwards",{"type":95,"attrs":417,"content":419},{"textAlign":26,"key":418},"p-7",[420],{"text":421,"type":101,"marks":422},"Late payment penalties apply to each late payment rather than accumulating points, and they don't apply to payments on account. Late payment interest also runs from day one of non-payment, regardless of whether you receive a financial penalty.",[423],{"type":145,"attrs":424},{"color":147},{"type":183,"attrs":426,"content":427},{"level":185,"textAlign":26},[428],{"text":429,"type":101,"marks":430},"Recognise the actions that trigger MTD penalties",[431],{"type":145,"attrs":432},{"color":147},{"type":95,"attrs":434,"content":436},{"textAlign":26,"key":435},"p-8",[437,442,457],{"text":438,"type":101,"marks":439},"Most penalties trace back to a few recurring patterns, and they aren't usually about missed deadlines. The issue is how your ",[440],{"type":145,"attrs":441},{"color":147},{"text":443,"type":101,"marks":444},"audit trail",[445,454,456],{"type":161,"attrs":446},{"href":447,"uuid":448,"anchor":26,"target":165,"linktype":166,"story":449},"/blog/automate-audit-trail","13c88fed-3832-44d0-b229-f6f061ee37fd",{"name":450,"id":451,"uuid":448,"slug":452,"url":453,"full_slug":453,"_stopResolving":42},"Automated audit trails: why they're so important and how to make the switch",208800762,"automate-audit-trail","blog/automate-audit-trail",{"type":145,"attrs":455},{"color":174},{"type":176},{"text":458,"type":101,"marks":459}," and software are set up.",[460],{"type":145,"attrs":461},{"color":147},{"type":183,"attrs":463,"content":464},{"level":203,"textAlign":26},[465],{"text":466,"type":101,"marks":467},"Filing without compatible software",[468],{"type":145,"attrs":469},{"color":147},{"type":95,"attrs":471,"content":473},{"textAlign":26,"key":472},"p-9",[474,479,488],{"text":475,"type":101,"marks":476},"Using software HMRC doesn't recognise may lead to penalties on VAT returns. Filing on paper when you're not eligible can attract a penalty of ",[477],{"type":145,"attrs":478},{"color":147},{"text":480,"type":101,"marks":481},"up to £400",[482,485,487],{"type":161,"attrs":483},{"href":484,"uuid":26,"anchor":26,"target":323,"linktype":80},"https://www.gov.uk/government/publications/compliance-checks-how-to-avoid-penalties-for-making-tax-digital-for-vat-ccfs69/compliance-checks-how-to-avoid-penalties-for-making-tax-digital-for-vat-ccfs69",{"type":145,"attrs":486},{"color":174},{"type":176},{"text":489,"type":101,"marks":490},". For MTD ITSA, non-approved software can trigger record-keeping failure penalties of up to £3,000 after a compliance check.",[491],{"type":145,"attrs":492},{"color":147},{"type":183,"attrs":494,"content":495},{"level":203,"textAlign":26},[496],{"text":497,"type":101,"marks":498},"Failing to maintain digital records",[499],{"type":145,"attrs":500},{"color":147},{"type":95,"attrs":502,"content":504},{"textAlign":26,"key":503},"p-10",[505,510,525,530,539],{"text":506,"type":101,"marks":507},"For ",[508],{"type":145,"attrs":509},{"color":147},{"text":511,"type":101,"marks":512},"MTD for VAT",[513,522,524],{"type":161,"attrs":514},{"href":515,"uuid":516,"anchor":26,"target":165,"linktype":166,"story":517},"/blog/making-tax-digital-for-vat","38a5071c-209d-45a8-964d-0b537d84c56c",{"name":518,"id":519,"uuid":516,"slug":520,"url":521,"full_slug":521,"_stopResolving":42},"Making Tax Digital for VAT: Requirements, deadlines, and compliance steps",168561160669741,"making-tax-digital-for-vat","blog/making-tax-digital-for-vat",{"type":145,"attrs":523},{"color":174},{"type":176},{"text":526,"type":101,"marks":527},", you don't need to scan paper invoices and receipts, but every transaction must be recorded in your electronic account. Failing to maintain digital records triggers daily penalties under section 69 of the ",[528],{"type":145,"attrs":529},{"color":147},{"text":531,"type":101,"marks":532},"VAT Act 1994",[533,536,538],{"type":161,"attrs":534},{"href":535,"uuid":26,"anchor":26,"target":323,"linktype":80},"https://www.legislation.gov.uk/ukpga/1994/23/section/69",{"type":145,"attrs":537},{"color":174},{"type":176},{"text":540,"type":101,"marks":541},". The daily charge runs from £5 to £15, depending on whether you've had previous breaches in the past two years. HMRC caps it at 100 days per incident and must issue a written warning before assessing the penalty.",[542],{"type":145,"attrs":543},{"color":147},{"type":95,"attrs":545,"content":547},{"textAlign":26,"key":546},"p-11",[548,553,562],{"text":549,"type":101,"marks":550},"For MTD ITSA, the ceiling is much higher. HMRC can impose a penalty of up to £3,000 for failures to keep digital records or maintain digital links. These penalties aren't automatic. HMRC has to make a deliberate decision to impose them, as the ",[551],{"type":145,"attrs":552},{"color":147},{"text":554,"type":101,"marks":555},"ICAEW Tax Faculty",[556,559,561],{"type":161,"attrs":557},{"href":558,"uuid":26,"anchor":26,"target":323,"linktype":80},"https://www.icaew.com/technical/tax/making-tax-digital/mtd-for-income-tax-penalties",{"type":145,"attrs":560},{"color":174},{"type":176},{"text":563,"type":101,"marks":564}," notes.",[565],{"type":145,"attrs":566},{"color":147},{"type":220,"attrs":568},{"id":569,"body":570},"25c7ca4a-f242-42f6-adf8-8e8029c19636",[571],{"_uid":572,"asset":573,"caption":71,"component":578},"i-6a37996c-bb41-4a84-81fd-3e69acd2d7a0",{"id":574,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":575,"copyright":71,"fieldtype":76,"meta_data":576,"is_external_url":29},208918520342864,"https://a.storyblok.com/f/146026/1600x1067/8262dee4ff/dts_on_the_agency_desk_julien_tell_photos_id3510.jpg",{"size":577},"1600x1067","image",{"type":183,"attrs":580,"content":581},{"level":203,"textAlign":26},[582],{"text":583,"type":101,"marks":584},"Breaking the digital link",[585],{"type":145,"attrs":586},{"color":147},{"type":95,"attrs":588,"content":590},{"textAlign":26,"key":589},"p-12",[591],{"text":592,"type":101,"marks":593},"Copy-and-paste between software applications isn't a digital link under HMRC's rules. Every transfer of data between two pieces of software in your reporting chain must happen electronically, without manual re-keying.",[594],{"type":145,"attrs":595},{"color":147},{"type":95,"attrs":597,"content":599},{"textAlign":26,"key":598},"p-13",[600,605,620],{"text":601,"type":101,"marks":602},"Picture a finance team exporting invoice data from a spend management platform to a CSV file, then uploading that file into their accounting system. That's a manual step, and HMRC treats it as a broken digital link. The rule applies across your entire software chain, including any handoff between spreadsheets, bridging software, and your ",[603],{"type":145,"attrs":604},{"color":147},{"text":606,"type":101,"marks":607},"accounting automation",[608,617,619],{"type":161,"attrs":609},{"href":610,"uuid":611,"anchor":26,"target":165,"linktype":166,"story":612},"/blog/accounting-automation","af9a4ef6-608d-4cb3-8b86-2e6746281542",{"name":613,"id":614,"uuid":611,"slug":615,"url":616,"full_slug":616,"_stopResolving":42},"8 excellent benefits of accounting automation",208785690,"accounting-automation","blog/accounting-automation",{"type":145,"attrs":618},{"color":174},{"type":176},{"text":621,"type":101,"marks":622}," tools. A manual step anywhere can create compliance risk.",[623],{"type":145,"attrs":624},{"color":147},{"type":183,"attrs":626,"content":627},{"level":203,"textAlign":26},[628],{"text":629,"type":101,"marks":630},"Missing quarterly update or annual return deadlines",[631],{"type":145,"attrs":632},{"color":147},{"type":95,"attrs":634,"content":636},{"textAlign":26,"key":635},"p-14",[637],{"text":638,"type":101,"marks":639},"Each missed quarterly deadline earns one point. For the 2026/27 tax year, the quarterly deadlines are:",[640],{"type":145,"attrs":641},{"color":147},{"type":220,"attrs":643},{"id":644,"body":645},"5bfd272d-ba33-4e84-9963-4b072b7462d5",[646],{"_uid":647,"table":648,"component":298,"noLineBreak":29,"highlightLastRow":29},"5bd7ab35-faf7-477c-a8a4-b8dcd2b61776",{"tbody":649,"thead":698,"fieldtype":297},[650,662,674,686],{"_uid":651,"body":652},"6357101d-afb9-41cf-bda0-45f4aeafd360",[653,656,659],{"_uid":654,"value":655},"e49eb478-c5c4-4644-9a05-ab76418bc849","Q1",{"_uid":657,"value":658},"d3f08fbf-a46d-4ea6-a7e2-577599f28bab","6 April to 5 July 2026",{"_uid":660,"value":661},"2f3186ab-e747-47de-a575-1b6730785d1d","7 August 2026",{"_uid":663,"body":664},"7664de5e-1ab2-4311-8d07-e8f226f67b3d",[665,668,671],{"_uid":666,"value":667},"5a60a42a-3f46-4733-b349-243cf484ed3e","Q2",{"_uid":669,"value":670},"6f605cbf-7415-4c1a-ba41-f79a8e1afda8","6 July to 5 October 2026",{"_uid":672,"value":673},"110b6349-6cfd-41b1-bba4-71fa14cc5198","7 November 2026",{"_uid":675,"body":676},"2459ebc8-8cab-4737-8ff9-0807e17a99e8",[677,680,683],{"_uid":678,"value":679},"bb8e5305-38a9-4242-ab27-2ab5330edb11","Q3",{"_uid":681,"value":682},"f11e5aa4-34b3-4a9f-a9a6-38943e9dad36","6 October 2026 to 5 January 2027",{"_uid":684,"value":685},"b6955404-daa6-4f0f-a9bf-f1ddb498025b","7 February 2027",{"_uid":687,"body":688},"e496fea1-0e22-4f8e-8815-a8b9986478fa",[689,692,695],{"_uid":690,"value":691},"00636724-2cf8-4220-ad30-96f7ff914ef2","Q4",{"_uid":693,"value":694},"9ea5fe01-517a-4e06-8cfe-bdbba10d2024","6 January to 5 April 2027",{"_uid":696,"value":697},"e16ed4c0-fa4f-455a-a61a-2c0c76d1c481","7 May 2027",[699,702,705],{"_uid":700,"value":701},"0a029b0c-bfe3-498a-832f-028f1c82c0e2","Quarter",{"_uid":703,"value":704},"6fd2094d-f2a3-45f2-ada8-c2eaf6bd6d53","Period",{"_uid":706,"value":707},"dae4ca27-be9b-4aa6-b5c4-805779b7dc7e","Submission deadline",{"type":95,"attrs":709,"content":711},{"textAlign":26,"key":710},"p-15",[712],{"text":713,"type":101,"marks":714},"The Final Declaration (equivalent to the current Self Assessment return) is due by 31 January after the tax year ends, so 31 January 2028 for the 2026/27 year. A missed Final Declaration deadline earns one point in the same pool as the quarterly updates, not in a separate annual one. Inaccuracy penalties, by contrast, don't apply to quarterly updates at all, only to the Final Declaration.",[715],{"type":145,"attrs":716},{"color":147},{"type":183,"attrs":718,"content":719},{"level":203,"textAlign":26},[720],{"text":721,"type":101,"marks":722},"Failing to sign up when required",[723],{"type":145,"attrs":724},{"color":147},{"type":95,"attrs":726,"content":728},{"textAlign":26,"key":727},"p-16",[729,734,742,747,756],{"text":730,"type":101,"marks":731},"If you're ",[732],{"type":145,"attrs":733},{"color":147},{"text":735,"type":101,"marks":736},"in scope",[737,739,741],{"type":161,"attrs":738},{"href":322,"uuid":26,"anchor":26,"target":323,"linktype":80},{"type":145,"attrs":740},{"color":174},{"type":176},{"text":743,"type":101,"marks":744}," but haven't signed up, you're still liable for the full penalty system as though you had. ",[745],{"type":145,"attrs":746},{"color":147},{"text":748,"type":101,"marks":749},"Grace period rules",[750,753,755],{"type":161,"attrs":751},{"href":752,"uuid":26,"anchor":26,"target":323,"linktype":80},"https://www.gov.uk/guidance/sign-up-for-making-tax-digital-for-income-tax",{"type":145,"attrs":754},{"color":174},{"type":176},{"text":757,"type":101,"marks":758}," for quarterly update points apply only if you've signed up and are using compatible software.",[759],{"type":145,"attrs":760},{"color":147},{"type":95,"attrs":762,"content":764},{"textAlign":26,"key":763},"p-17",[765],{"text":766,"type":101,"marks":767},"So who actually has to comply, and from when? That depends on your income level and your place in the phased rollout.",[768],{"type":145,"attrs":769},{"color":147},{"type":183,"attrs":771,"content":772},{"level":185,"textAlign":26},[773],{"text":774,"type":101,"marks":775},"Confirm whether you're in scope",[776],{"type":145,"attrs":777},{"color":147},{"type":95,"attrs":779,"content":781},{"textAlign":26,"key":780},"p-18",[782,787,796],{"text":783,"type":101,"marks":784},"The income threshold trips a lot of people up. ",[785],{"type":145,"attrs":786},{"color":147},{"text":788,"type":101,"marks":789},"The gross income test",[790,793,795],{"type":161,"attrs":791},{"href":792,"uuid":26,"anchor":26,"target":323,"linktype":80},"https://www.icaew.com/technical/tax/tax-faculty/taxguides/2025/taxguide-04-25",{"type":145,"attrs":794},{"color":174},{"type":176},{"text":797,"type":101,"marks":798}," uses your combined gross income from self-employment and UK property, before any expenses are deducted. PAYE income doesn't count.",[799],{"type":145,"attrs":800},{"color":147},{"type":95,"attrs":802,"content":804},{"textAlign":26,"key":803},"p-19",[805],{"text":806,"type":101,"marks":807},"If you earn £29,000 from a sole trade and £22,000 from rental property, your combined qualifying income is £51,000. That puts you in scope from April 2026 even though neither source individually exceeds £50,000.",[808],{"type":145,"attrs":809},{"color":147},{"type":95,"attrs":811,"content":813},{"textAlign":26,"key":812},"p-20",[814],{"text":815,"type":101,"marks":816},"MTD ITSA rolls out in three phases, with the threshold dropping each year:",[817],{"type":145,"attrs":818},{"color":147},{"type":220,"attrs":820},{"id":821,"body":822},"7a8ff42d-7d0b-4406-b277-456577743b6f",[823],{"_uid":824,"table":825,"component":298,"noLineBreak":29,"highlightLastRow":29},"0c0b7325-b59b-4b68-be9c-df78dfbe1347",{"tbody":826,"thead":872,"fieldtype":297},[827,842,857],{"_uid":828,"body":829},"de47221f-0d09-4994-8e0c-2f781b95a230",[830,833,836,839],{"_uid":831,"value":832},"a3d2dc33-1d93-4e3b-8528-af8c39c521af","1",{"_uid":834,"value":835},"437c34c4-c6b8-4bbc-93d2-72db75256827","6 April 2026",{"_uid":837,"value":838},"4410b1f9-3517-4476-89da-8076c0af6e7f","Over £50,000",{"_uid":840,"value":841},"dbf9b08b-2b91-4737-8a24-ce9831c116d9","2024/25",{"_uid":843,"body":844},"6f543db5-946d-44ca-a0da-90560ac68e40",[845,848,851,854],{"_uid":846,"value":847},"e7d7a96d-848d-45b2-8119-ef55a33bcbf8","2",{"_uid":849,"value":850},"eab93e36-91d2-42a2-9315-033aa332c415","6 April 2027",{"_uid":852,"value":853},"50301738-35b8-4379-ae1f-fd9e01cd073c","Over £30,000",{"_uid":855,"value":856},"790cf322-e414-4fc7-adfb-c3ebbf176e69","2025/26",{"_uid":858,"body":859},"0500ef8a-39f5-40ea-8dab-4e1aa251ba0c",[860,863,866,869],{"_uid":861,"value":862},"efdb77fe-8f06-4bf1-9814-992c2b1c7c7d","3",{"_uid":864,"value":865},"2b561d0d-46f7-40b0-a009-d853ad2e569d","6 April 2028",{"_uid":867,"value":868},"c6ed996d-409a-4282-a9e7-6828b6ec0844","Over £20,000",{"_uid":870,"value":871},"e3c248d2-b2ca-415e-b1ad-53d9519b1d7d","2026/27",[873,876,879,882],{"_uid":874,"value":875},"b8c227f3-ea80-4c92-bc70-de4ee5b84405","Phase",{"_uid":877,"value":878},"4c92870d-f725-4e65-9c6b-5bd0d841828b","Mandatory from",{"_uid":880,"value":881},"3c4179b2-60a3-4e88-9e78-4298bf8c0256","Gross income threshold",{"_uid":883,"value":884},"a86b3c9d-308c-476d-8da3-9c6be4e6da2d","Based on income from",{"type":95,"attrs":886,"content":888},{"textAlign":26,"key":887},"p-21",[889],{"text":890,"type":101,"marks":891},"A threshold-locking rule also catches people off guard. If your turnover exceeded £50,000 in 2024/25 but drops below it in 2025/26, you're still required to comply from April 2026. Once you're mandated, you stay in MTD until your qualifying income has been below the threshold for three consecutive tax years.",[892],{"type":145,"attrs":893},{"color":147},{"type":95,"attrs":895,"content":897},{"textAlign":26,"key":896},"p-22",[898,903,912],{"text":899,"type":101,"marks":900},"Limited companies and partnerships are currently excluded, and ",[901],{"type":145,"attrs":902},{"color":147},{"text":904,"type":101,"marks":905},"narrow exemptions exist",[906,909,911],{"type":161,"attrs":907},{"href":908,"uuid":26,"anchor":26,"target":323,"linktype":80},"https://www.gov.uk/guidance/find-out-if-you-can-get-an-exemption-from-making-tax-digital-for-income-tax",{"type":145,"attrs":910},{"color":174},{"type":176},{"text":913,"type":101,"marks":914}," for digital exclusion, missing National Insurance numbers, identity verification failures, trustees, and personal representatives.",[915],{"type":145,"attrs":916},{"color":147},{"type":183,"attrs":918,"content":919},{"level":185,"textAlign":26},[920],{"text":921,"type":101,"marks":922},"Use the 2026/27 grace period",[923],{"type":145,"attrs":924},{"color":147},{"type":95,"attrs":926,"content":927},{"textAlign":26,"key":97},[928,933,941],{"text":929,"type":101,"marks":930},"If you fall within scope from April 2026, the first year offers limited breathing room. ",[931],{"type":145,"attrs":932},{"color":147},{"text":934,"type":101,"marks":935},"Penalty points guidance",[936,938,940],{"type":161,"attrs":937},{"href":752,"uuid":26,"anchor":26,"target":323,"linktype":80},{"type":145,"attrs":939},{"color":174},{"type":176},{"text":942,"type":101,"marks":943}," confirms HMRC won't apply points to late quarterly updates during 2026/27.",[944],{"type":145,"attrs":945},{"color":147},{"type":95,"attrs":947,"content":948},{"textAlign":26,"key":150},[949,954,963],{"text":950,"type":101,"marks":951},"The Final Declaration doesn't get this grace period. The ",[952],{"type":145,"attrs":953},{"color":147},{"text":955,"type":101,"marks":956},"2026/27 Final Declaration",[957,960,962],{"type":161,"attrs":958},{"href":959,"uuid":26,"anchor":26,"target":323,"linktype":80},"https://www.icaew.com/-/media/corporate/files/technical/tax/tax-faculty/webinars-and-recordings/2025/budget-update-2025-presentation-slides.ashx",{"type":145,"attrs":961},{"color":174},{"type":176},{"text":964,"type":101,"marks":965}," (due 31 January 2028) falls under the new system in full. A late Final Declaration earns one point in your four-point ITSA pool, and the £200 penalty lands when that pool reaches four. From 6 April 2027, the new penalty system extends to all Self Assessment taxpayers, including those not yet mandated into MTD. One case does carry a two-point threshold: if you become exempt from MTD in 2027/28 or later, you stay under the new penalties but your threshold drops from four points to two, with your existing points scaled down so you're no closer to it than you were.",[966],{"type":145,"attrs":967},{"color":147},{"type":95,"attrs":969,"content":970},{"textAlign":26,"key":194},[971],{"text":972,"type":101,"marks":973},"Late payment penalties still apply, but with an extended grace period. In the first year under the new rules, you have 30 days from the payment due date to pay in full or agree a Time to Pay arrangement, instead of the standard 15-day window. This 30-day window applies only once, and only for the first mandated year.",[974],{"type":145,"attrs":975},{"color":147},{"type":95,"attrs":977,"content":978},{"textAlign":26,"key":212},[979],{"text":980,"type":101,"marks":981},"Building all this before April 2026 sounds heavy. In practice, most finance teams already run the underlying pieces (company cards, accounts payable (AP) automation, an accounting platform), and the work is connecting them so the data flows electronically. A practical approach is to use 2026/27 to run your quarterly processes end to end, identify bottlenecks, and fix them before points-based penalties kick in from 2027/28.",[982],{"type":145,"attrs":983},{"color":147},{"type":95,"attrs":985,"content":986},{"textAlign":26,"key":301},[987],{"text":988,"type":101,"marks":989},"Once the grace period ends, the only way to clear accumulated points is through the formal reset mechanism.",[990],{"type":145,"attrs":991},{"color":147},{"type":183,"attrs":993,"content":994},{"level":185,"textAlign":26},[995],{"text":996,"type":101,"marks":997},"Reset accumulated penalty points",[998],{"type":145,"attrs":999},{"color":147},{"type":95,"attrs":1001,"content":1002},{"textAlign":26,"key":310},[1003],{"text":1004,"type":101,"marks":1005},"Points accumulated below the threshold expire after 24 months. What if you've already crossed the threshold, though? Resetting points to zero once you've reached the penalty level requires meeting two conditions simultaneously.",[1006],{"type":145,"attrs":1007},{"color":147},{"type":95,"attrs":1009,"content":1010},{"textAlign":26,"key":342},[1011,1016,1025],{"text":1012,"type":101,"marks":1013},"First, you must submit all obligations on time for the ",[1014],{"type":145,"attrs":1015},{"color":147},{"text":1017,"type":101,"marks":1018},"relevant compliance period",[1019,1022,1024],{"type":161,"attrs":1020},{"href":1021,"uuid":26,"anchor":26,"target":323,"linktype":80},"https://www.gov.uk/government/publications/interest-harmonisation-and-penalties-for-late-submission-and-late-payment-of-tax/interest-harmonisation-and-penalties-for-late-payment-and-late-submission",{"type":145,"attrs":1023},{"color":174},{"type":176},{"text":1026,"type":101,"marks":1027},": 12 months for MTD ITSA taxpayers and quarterly VAT filers, six months for monthly VAT filers, and 24 months for annual VAT filers. The clock starts from the first day of the month after your most recent failure. Second, all returns due within the previous 24 months must have been received by HMRC.",[1028],{"type":145,"attrs":1029},{"color":147},{"type":95,"attrs":1031,"content":1032},{"textAlign":26,"key":418},[1033],{"text":1034,"type":101,"marks":1035},"Both conditions must be satisfied at the same time. If you've been filing on time for 11 months but still have an outstanding return from 18 months ago, your points stay where they are.",[1036],{"type":145,"attrs":1037},{"color":147},{"type":95,"attrs":1039,"content":1040},{"textAlign":26,"key":435},[1041],{"text":1042,"type":101,"marks":1043},"If the reset route fails, your remaining option is to challenge the penalty itself.",[1044],{"type":145,"attrs":1045},{"color":147},{"type":183,"attrs":1047,"content":1048},{"level":185,"textAlign":26},[1049],{"text":1050,"type":101,"marks":1051},"Appeal a penalty when grounds exist",[1052],{"type":145,"attrs":1053},{"color":147},{"type":95,"attrs":1055,"content":1056},{"textAlign":26,"key":472},[1057],{"text":1058,"type":101,"marks":1059},"You have 30 days to appeal from the date of the penalty notice. HMRC's penalty notice will explain how, usually online through your HMRC account or in writing. Your appeal must state the grounds.",[1060],{"type":145,"attrs":1061},{"color":147},{"type":95,"attrs":1063,"content":1064},{"textAlign":26,"key":503},[1065,1070,1079],{"text":1066,"type":101,"marks":1067},"HMRC overturns around 63% of the automated penalty decisions it reviews, according to ",[1068],{"type":145,"attrs":1069},{"color":147},{"text":1071,"type":101,"marks":1072},"its own performance data",[1073,1076,1078],{"type":161,"attrs":1074},{"href":1075,"uuid":26,"anchor":26,"target":323,"linktype":80},"https://www.gov.uk/government/publications/hmrc-performance-update-february-2026/hmrc-performance-data-2025-to-2026-february--2",{"type":145,"attrs":1077},{"color":174},{"type":176},{"text":1080,"type":101,"marks":1081}," for 2025/26 through February 2026. That's a strong reason to mount a well-constructed challenge at internal review. Tribunal appeals fare differently, with HMRC winning most cases that escalate that far. Make your case at internal review first.",[1082],{"type":145,"attrs":1083},{"color":147},{"type":95,"attrs":1085,"content":1086},{"textAlign":26,"key":546},[1087,1092,1101,1106,1115,1120,1129],{"text":1088,"type":101,"marks":1089},"The legal test for a reasonable excuse asks what ",[1090],{"type":145,"attrs":1091},{"color":147},{"text":1093,"type":101,"marks":1094},"a reasonable person",[1095,1098,1100],{"type":161,"attrs":1096},{"href":1097,"uuid":26,"anchor":26,"target":323,"linktype":80},"https://www.gov.uk/hmrc-internal-manuals/compliance-handbook/ch160200",{"type":145,"attrs":1099},{"color":174},{"type":176},{"text":1102,"type":101,"marks":1103}," in your situation, genuinely trying to comply, would have done. ",[1104],{"type":145,"attrs":1105},{"color":147},{"text":1107,"type":101,"marks":1108},"HMRC accepts circumstances",[1109,1112,1114],{"type":161,"attrs":1110},{"href":1111,"uuid":26,"anchor":26,"target":323,"linktype":80},"https://www.gov.uk/tax-appeals/reasonable-excuses",{"type":145,"attrs":1113},{"color":174},{"type":176},{"text":1116,"type":101,"marks":1117}," like serious illness, unexpected hospital stays, fire or flood destroying records, and HMRC's own service failures. The First-tier Tribunal upheld this principle in ",[1118],{"type":145,"attrs":1119},{"color":147},{"text":1121,"type":101,"marks":1122},"ESC Studios v HMRC",[1123,1126,1128],{"type":161,"attrs":1124},{"href":1125,"uuid":26,"anchor":26,"target":323,"linktype":80},"https://www.bailii.org/uk/cases/UKFTT/TC/2025/TC09554.html",{"type":145,"attrs":1127},{"color":174},{"type":176},{"text":1130,"type":101,"marks":1131},", where HMRC's own delays in processing a repayment were accepted as a reasonable excuse for late VAT payment.",[1132],{"type":145,"attrs":1133},{"color":147},{"type":95,"attrs":1135,"content":1136},{"textAlign":26,"key":589},[1137,1142,1151,1156,1165],{"text":1138,"type":101,"marks":1139},"Forgetting the deadline and general ignorance of the rules won't work, and neither will pressure of work or the absence of a reminder from HMRC. Two further grounds are conditional rather than excluded outright, and both are worth testing before you write off an appeal. ",[1140],{"type":145,"attrs":1141},{"color":147},{"text":1143,"type":101,"marks":1144},"Insufficiency of funds",[1145,1148,1150],{"type":161,"attrs":1146},{"href":1147,"uuid":26,"anchor":26,"target":323,"linktype":80},"https://www.gov.uk/hmrc-internal-manuals/compliance-handbook/ch160800",{"type":145,"attrs":1149},{"color":174},{"type":176},{"text":1152,"type":101,"marks":1153}," fails unless the shortage arose from events outside your control. ",[1154],{"type":145,"attrs":1155},{"color":147},{"text":1157,"type":101,"marks":1158},"Relying on another person",[1159,1162,1164],{"type":161,"attrs":1160},{"href":1161,"uuid":26,"anchor":26,"target":323,"linktype":80},"https://www.gov.uk/hmrc-internal-manuals/compliance-handbook/ch160700",{"type":145,"attrs":1163},{"color":174},{"type":176},{"text":1166,"type":101,"marks":1167},", including an accountant or agent who missed the deadline on your behalf, fails unless you took reasonable care to avoid the failure. HMRC reads reasonable care as explaining what you needed done, setting a deadline for it, and checking on progress, so keep the emails and call notes that show you did.",[1168],{"type":145,"attrs":1169},{"color":147},{"type":95,"attrs":1171,"content":1172},{"textAlign":26,"key":598},[1173,1178,1187],{"text":1174,"type":101,"marks":1175},"If you're considering an appeal, document exactly when the obstacle arose and when it was resolved. Once the obstacle passes, you need to act without unreasonable delay. If HMRC rejects your appeal, you can request an ",[1176],{"type":145,"attrs":1177},{"color":147},{"text":1179,"type":101,"marks":1180},"independent internal review",[1181,1184,1186],{"type":161,"attrs":1182},{"href":1183,"uuid":26,"anchor":26,"target":323,"linktype":80},"https://www.gov.uk/tax-appeals/decision",{"type":145,"attrs":1185},{"color":174},{"type":176},{"text":1188,"type":101,"marks":1189}," by a different officer, or proceed directly to the First-tier Tax Tribunal.",[1190],{"type":145,"attrs":1191},{"color":147},{"type":95,"attrs":1193,"content":1194},{"textAlign":26,"key":635},[1195],{"text":1196,"type":101,"marks":1197},"Appeals are a fallback. The stronger position is building workflows that prevent penalties from arising in the first place.",[1198],{"type":145,"attrs":1199},{"color":147},{"type":220,"attrs":1201},{"id":569,"body":1202},[1203],{"_uid":1204,"asset":1205,"caption":71,"component":578},"i-af1a1701-c9a2-4ac8-b7d3-a26a1f8ea7d9",{"id":1206,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1207,"copyright":71,"fieldtype":76,"meta_data":1208,"is_external_url":29},208918519580981,"https://a.storyblok.com/f/146026/1600x1067/c00aefa352/dts_new_studio_daniel_faro_photos_id5605.jpg",{"size":577},{"type":183,"attrs":1210,"content":1211},{"level":185,"textAlign":26},[1212],{"text":1213,"type":101,"marks":1214},"Build workflows that prevent penalties",[1215],{"type":145,"attrs":1216},{"color":147},{"type":95,"attrs":1218,"content":1219},{"textAlign":26,"key":710},[1220,1225,1240],{"text":1221,"type":101,"marks":1222},"Building quarterly reporting workflows from scratch while running your existing ",[1223],{"type":145,"attrs":1224},{"color":147},{"text":1226,"type":101,"marks":1227},"month-end close",[1228,1237,1239],{"type":161,"attrs":1229},{"href":1230,"uuid":1231,"anchor":26,"target":165,"linktype":166,"story":1232},"/blog/month-end-close-process","f778feef-eceb-47d1-8cd9-d3540951d72d",{"name":1233,"id":1234,"uuid":1231,"slug":1235,"url":1236,"full_slug":1236,"_stopResolving":42},"Month-end close process: how to make accounting more efficient",208803061,"month-end-close-process","blog/month-end-close-process",{"type":145,"attrs":1238},{"color":174},{"type":176},{"text":1241,"type":101,"marks":1242}," is a significant amount of work. The first few months will be uncomfortable. The good news is that the components are well established; the work is sequencing them and proving they hold up before the first deadline.",[1243],{"type":145,"attrs":1244},{"color":147},{"type":183,"attrs":1246,"content":1247},{"level":203,"textAlign":26},[1248],{"text":1249,"type":101,"marks":1250},"Verifying your software against HMRC's recognised list",[1251],{"type":145,"attrs":1252},{"color":147},{"type":95,"attrs":1254,"content":1255},{"textAlign":26,"key":727},[1256,1261,1270],{"text":1257,"type":101,"marks":1258},"A spreadsheet alone isn't compliant. You need bridging software to connect it to HMRC via an application programming interface (API). HMRC's ",[1259],{"type":145,"attrs":1260},{"color":147},{"text":1262,"type":101,"marks":1263},"recognised software list",[1264,1267,1269],{"type":161,"attrs":1265},{"href":1266,"uuid":26,"anchor":26,"target":323,"linktype":80},"https://www.gov.uk/guidance/choose-the-right-software-for-making-tax-digital-for-income-tax",{"type":145,"attrs":1268},{"color":174},{"type":176},{"text":1271,"type":101,"marks":1272}," includes both full accounting platforms and bridging tools that let you keep spreadsheet-based records while submitting digitally. If you're running an enterprise resource planning (ERP) system like SAP or Dynamics, it's worth confirming that your VAT module or bridging software appears on the list. The ERP itself may not be sufficient without a certified API connection.",[1273],{"type":145,"attrs":1274},{"color":147},{"type":183,"attrs":1276,"content":1277},{"level":203,"textAlign":26},[1278],{"text":1279,"type":101,"marks":1280},"Mapping and documenting your digital links",[1281],{"type":145,"attrs":1282},{"color":147},{"type":95,"attrs":1284,"content":1285},{"textAlign":26,"key":763},[1286,1291,1306],{"text":1287,"type":101,"marks":1288},"Start by tracing the data flow from source transaction through to HMRC submission. Each transfer point must be electronic. Where your spend management or ",[1289],{"type":145,"attrs":1290},{"color":147},{"text":1292,"type":101,"marks":1293},"AP automation",[1294,1303,1305],{"type":161,"attrs":1295},{"href":1296,"uuid":1297,"anchor":26,"target":165,"linktype":166,"story":1298},"/blog/accounts-payable-automation","15098468-3dd4-4b81-a4dd-7886f0bbc92c",{"name":1299,"id":1300,"uuid":1297,"slug":1301,"url":1302,"full_slug":1302,"_stopResolving":42},"Accounts payable automation: what, why, & how",208796994,"accounts-payable-automation","blog/accounts-payable-automation",{"type":145,"attrs":1304},{"color":174},{"type":176},{"text":1307,"type":101,"marks":1308}," software feeds data into your accounting platform, that connection needs to be an API integration. A manual CSV export with re-entry breaks the digital link.",[1309],{"type":145,"attrs":1310},{"color":147},{"type":183,"attrs":1312,"content":1313},{"level":203,"textAlign":26},[1314],{"text":1315,"type":101,"marks":1316},"Connecting spend management upstream of the digital chain",[1317],{"type":145,"attrs":1318},{"color":147},{"type":95,"attrs":1320,"content":1321},{"textAlign":26,"key":780},[1322,1327,1341,1346,1361],{"text":1323,"type":101,"marks":1324},"Spendesk is an all-in-one spend management platform consolidating company cards, ",[1325],{"type":145,"attrs":1326},{"color":147},{"text":1328,"type":101,"marks":1329},"expense management",[1330,1338,1340],{"type":161,"attrs":1331},{"href":1332,"uuid":1333,"anchor":26,"target":165,"linktype":166,"story":1334},"/expense-management-software","1c9f0a4a-55a7-46a3-aa93-4bd1ac73c52a",{"name":1335,"id":1336,"uuid":1333,"slug":1337,"url":1337,"full_slug":1337,"_stopResolving":42},"Expense management software",130935631,"expense-management-software",{"type":145,"attrs":1339},{"color":174},{"type":176},{"text":1342,"type":101,"marks":1343},", accounts payable, procurement, and budgeting. That consolidation matters for MTD compliance. Purchase orders, approved invoices, and payment records get captured at source in a single system. ",[1344],{"type":145,"attrs":1345},{"color":147},{"text":1347,"type":101,"marks":1348},"VAT extraction",[1349,1358,1360],{"type":161,"attrs":1350},{"href":1351,"uuid":1352,"anchor":26,"target":165,"linktype":166,"story":1353},"/blog/vat-receipt","416f5f0b-5745-450a-be24-6cbe46a9d131",{"name":1354,"id":1355,"uuid":1352,"slug":1356,"url":1357,"full_slug":1357,"_stopResolving":42},"VAT receipts: What they must include and how to stay compliant",164344840303506,"vat-receipt","blog/vat-receipt",{"type":145,"attrs":1359},{"color":174},{"type":176},{"text":1362,"type":101,"marks":1363}," and receipt capture feed the accounting platform through an API. The result is the digital audit trail MTD requires, captured at the point of spend.",[1364],{"type":145,"attrs":1365},{"color":147},{"type":95,"attrs":1367,"content":1368},{"textAlign":26,"key":803},[1369,1374,1389],{"text":1370,"type":101,"marks":1371},"For example, Niji had a 10% receipt recovery rate before centralising spend on Spendesk. According to ",[1372],{"type":145,"attrs":1373},{"color":147},{"text":1375,"type":101,"marks":1376},"Niji's case study",[1377,1386,1388],{"type":161,"attrs":1378},{"href":1379,"uuid":1380,"anchor":26,"target":165,"linktype":166,"story":1381},"/customers/niji/","a7962676-1391-4cf9-b15a-54ebf653de52",{"name":1382,"id":1383,"uuid":1380,"slug":1384,"url":1385,"full_slug":1385,"_stopResolving":42},"Niji",116631445179213,"niji","customers/niji",{"type":145,"attrs":1387},{"color":174},{"type":176},{"text":1390,"type":101,"marks":1391},", the platform took them to near-complete receipt capture. That's the kind of evidence MTD requires you to have ready for HMRC inspection.",[1392],{"type":145,"attrs":1393},{"color":147},{"type":183,"attrs":1395,"content":1396},{"level":203,"textAlign":26},[1397],{"text":1398,"type":101,"marks":1399},"Building quarterly update standard operating procedures (SOPs) before the first deadline",[1400],{"type":145,"attrs":1401},{"color":147},{"type":95,"attrs":1403,"content":1404},{"textAlign":26,"key":812},[1405],{"text":1406,"type":101,"marks":1407},"Test early to see how long each quarterly cycle takes. During 2026/27, you'll also be running two systems at once. The new MTD quarterly submissions cover the current year, while the final Self Assessment for 2025/26 (due 31 January 2027) sits under the old system.",[1408],{"type":145,"attrs":1409},{"color":147},{"type":183,"attrs":1411,"content":1412},{"level":203,"textAlign":26},[1413],{"text":1414,"type":101,"marks":1415},"Requiring vendor confirmation of digital link compliance",[1416],{"type":145,"attrs":1417},{"color":147},{"type":95,"attrs":1419,"content":1420},{"textAlign":26,"key":887},[1421],{"text":1422,"type":101,"marks":1423},"When evaluating or renewing contracts with AP automation or spend management vendors, ask in writing for confirmation that their integration maintains digital links as HMRC defines them. Receipt capture, VAT extraction, and audit trails can support HMRC review.",[1424],{"type":145,"attrs":1425},{"color":147},{"type":183,"attrs":1427,"content":1428},{"level":203,"textAlign":26},[1429],{"text":1430,"type":101,"marks":1431},"Signing up before HMRC sets your timeline",[1432],{"type":145,"attrs":1433},{"color":147},{"type":95,"attrs":1435,"content":1436},{"textAlign":26,"key":896},[1437],{"text":1438,"type":101,"marks":1439},"HMRC will eventually set up quarterly filing obligations for those who don't sign up, but waiting means the timeline is outside your control. Signing up early lets you test your workflows during the grace period.",[1440],{"type":145,"attrs":1441},{"color":147},{"type":183,"attrs":1443,"content":1444},{"level":185,"textAlign":26},[1445],{"text":1446,"type":101,"marks":1447},"Treat MTD as a data architecture problem",[1448],{"type":145,"attrs":1449},{"color":147},{"type":95,"attrs":1451,"content":1453},{"textAlign":26,"key":1452},"p-23",[1454],{"text":1455,"type":101,"marks":1456},"From threshold to repeated penalty takes only a few quarters of loose process control. Once you cross the threshold, every further missed submission adds another £200, with late payment charges and interest running separately. The 63% overturn rate on reviewed penalties shows HMRC's automated system isn't perfect, but you're better off never needing to file an appeal.",[1457],{"type":145,"attrs":1458},{"color":147},{"type":95,"attrs":1460,"content":1462},{"textAlign":26,"key":1461},"p-24",[1463],{"text":1464,"type":101,"marks":1465},"The way out is operational: verified software, documented digital links, digital record-keeping captured at source, and quarterly workflows tested before deadlines start generating points.",[1466],{"type":145,"attrs":1467},{"color":147},{"type":95,"attrs":1469,"content":1471},{"textAlign":26,"key":1470},"p-25",[1472,1477,1491],{"text":1473,"type":101,"marks":1474},"To see how Spendesk handles spend capture, approvals, and the data trail your accounting platform needs to stay MTD-compliant, ",[1475],{"type":145,"attrs":1476},{"color":147},{"text":1478,"type":101,"marks":1479},"explore the platform",[1480,1488,1490],{"type":161,"attrs":1481},{"href":1482,"uuid":1483,"anchor":26,"target":165,"linktype":166,"story":1484},"/spend-management-software/","548ca69c-c472-401d-b952-906e8280e91e",{"name":1485,"id":1486,"uuid":1483,"slug":1487,"url":1487,"full_slug":1487,"_stopResolving":42},"Spend management software",128789700,"spend-management-software",{"type":145,"attrs":1489},{"color":174},{"type":176},{"text":1492,"type":101,"marks":1493},".",[1494],{"type":145,"attrs":1495},{"color":147},{"type":183,"attrs":1497,"content":1498},{"level":185,"textAlign":26},[1499],{"text":1500,"type":101,"marks":1501},"Frequently asked questions about Making Tax Digital penalties",[1502],{"type":145,"attrs":1503},{"color":147},{"type":183,"attrs":1505,"content":1506},{"level":203,"textAlign":26},[1507],{"text":1508,"type":101,"marks":1509},"Do MTD penalty points expire?",[1510],{"type":145,"attrs":1511},{"color":147},{"type":95,"attrs":1513,"content":1515},{"textAlign":26,"key":1514},"p-26",[1516],{"text":1517,"type":101,"marks":1518},"Yes. Points accumulated below the penalty threshold expire after 24 months from the month they were applied. Once you've crossed the threshold and incurred a £200 penalty, points only clear through the formal reset mechanism. That means 12 months of on-time submissions for MTD ITSA taxpayers and quarterly VAT filers, six months for monthly VAT filers, or 24 months for annual VAT filers, plus all returns due in the previous 24 months received by HMRC.",[1519],{"type":145,"attrs":1520},{"color":147},{"type":183,"attrs":1522,"content":1523},{"level":203,"textAlign":26},[1524],{"text":1525,"type":101,"marks":1526},"Can I appeal an MTD penalty if I have a reasonable excuse?",[1527],{"type":145,"attrs":1528},{"color":147},{"type":95,"attrs":1530,"content":1532},{"textAlign":26,"key":1531},"p-27",[1533],{"text":1534,"type":101,"marks":1535},"Yes. You have 30 days from the penalty notice to appeal, and HMRC will explain how in the notice itself. Reasonable excuses include serious illness, bereavement, fire or flood destroying records, or HMRC's own service failures. Forgetting the deadline and general ignorance of the rules won't qualify. Two grounds are conditional rather than excluded: a shortage of funds can count where it arose from events outside your control, and relying on an accountant or agent who missed the deadline can count where you took reasonable care to avoid the failure. HMRC overturns around 63% of automated penalties at internal review, so a well-documented appeal is worth the effort.",[1536],{"type":145,"attrs":1537},{"color":147},{"type":183,"attrs":1539,"content":1540},{"level":203,"textAlign":26},[1541],{"text":1542,"type":101,"marks":1543},"Does the 2026/27 grace period cover late payments?",[1544],{"type":145,"attrs":1545},{"color":147},{"type":95,"attrs":1547,"content":1549},{"textAlign":26,"key":1548},"p-28",[1550],{"text":1551,"type":101,"marks":1552},"Only partially. The grace period waives penalty points on late quarterly updates during the first year, but late payment penalties still apply. The one concession is timing: in your first year under the new rules, you have 30 days from the payment due date to pay in full or agree a Time to Pay arrangement, instead of the standard 15-day window. This extended window applies only once.",[1553],{"type":145,"attrs":1554},{"color":147},{"type":183,"attrs":1556,"content":1557},{"level":203,"textAlign":26},[1558],{"text":1559,"type":101,"marks":1560},"How do MTD ITSA and MTD VAT penalty points interact?",[1561],{"type":145,"attrs":1562},{"color":147},{"type":95,"attrs":1564,"content":1566},{"textAlign":26,"key":1565},"p-29",[1567],{"text":1568,"type":101,"marks":1569},"They don't. Points are held in separate pools by tax type. A late VAT return earns a point in your VAT pool only, not in your ITSA pool, and vice versa. Each pool has its own threshold. Every taxpayer mandated into MTD ITSA sits at 4 points, covering quarterly updates and the Final Declaration together, with no separate annual threshold. VAT thresholds follow filing frequency: 4 points for quarterly filers, 5 for monthly filers, and 2 for annual accounting scheme filers.",[1570],{"type":145,"attrs":1571},{"color":147},{"name":1573,"created_at":1574,"published_at":16,"updated_at":1575,"id":1576,"uuid":1577,"content":1578,"slug":1585,"full_slug":1586,"sort_by_date":26,"position":27,"tag_list":1587,"is_startpage":29,"parent_id":1588,"meta_data":26,"group_id":1589,"first_published_at":1590,"release_id":26,"lang":33,"path":26,"alternates":1591,"default_full_slug":1586,"translated_slugs":1592,"_stopResolving":42},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":1579,"icon":1580,"name":1573,"component":1584},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":1581,"alt":1582,"name":71,"focus":71,"title":71,"filename":1583,"copyright":71,"fieldtype":76,"is_external_url":29},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],[1593,1594,1595],{"path":1586,"name":26,"lang":37,"published":26},{"path":1586,"name":26,"lang":39,"published":26},{"path":1586,"name":26,"lang":41,"published":26},[33],[],[],"2026-08-28 14:11",[1601],{"_uid":1602,"asset":1603,"caption":71,"component":578},"3f628ae0-4fbf-449f-adcc-4f78b9afb564",{"id":1604,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1605,"copyright":71,"fieldtype":76,"meta_data":1606,"is_external_url":29},213984616885748,"https://a.storyblok.com/f/146026/1376x768/a999c774e0/1779250172485-ycroa4-1.png",{},"Late MTD submissions trigger penalty points; late payments add percentage charges. Here's what triggers them and how to avoid them.",[],[],"making-tax-digital-penalties","blog/making-tax-digital-penalties","2026-08-27",-3010,[],176386517,"ef416d87-5906-4812-bcbf-2c1c85614af5",[],[1619,1620,1621],{"path":1611,"name":26,"lang":37,"published":26},{"path":1611,"name":26,"lang":39,"published":26},{"path":1611,"name":26,"lang":41,"published":26},{"header":1623,"footer":2250,"commonContent":2700,"userCentricsAndSegmentMappingTable":2856},{"name":1624,"created_at":1625,"published_at":1626,"updated_at":1627,"id":1628,"uuid":1629,"content":1630,"slug":2072,"full_slug":2238,"sort_by_date":26,"position":27,"tag_list":2239,"is_startpage":29,"parent_id":2241,"meta_data":26,"group_id":2242,"first_published_at":2243,"release_id":26,"lang":33,"path":2244,"alternates":2245,"default_full_slug":2238,"translated_slugs":2246},"Header","2022-03-03T10:18:44.837Z","2026-08-07T09:17:53.491Z","2026-08-07T09:17:53.521Z",112682816,"5cdfaafc-a9d2-47fd-a16f-d782131160fd",{"_uid":1631,"logo":1632,"navbar":1637,"loginBtn":2071,"component":2072,"languages":2073,"logoBlack":2092,"logoWhite":2096,"topNavbar":2101,"footerLinks":2110,"socialLinks":2127,"homepageLink":2168,"getStartedBtn":2178,"announcementBanner":2191,"localeSwitcherTitle":2237},"d642d99f-3914-487e-abe1-9515eca76325",{"id":1633,"alt":1634,"name":71,"focus":71,"title":1634,"source":71,"filename":1635,"copyright":71,"fieldtype":76,"meta_data":1636,"is_external_url":29},4112223,"Spendesk","https://a.storyblok.com/f/146026/x/5f4956f538/spendesk-logo.svg",{},[1638,1822,1831,1842,2000],{"_uid":1639,"label":1640,"columns":1641,"component":1788,"headingNewBranding":1789},"99e54924-f77d-4501-978a-b578da0140ca","Product",[1642,1715],{"_uid":1643,"ctas":1644,"label":1640,"component":1713,"labelColor":71,"backgroundIconColor":1714},"5f198563-42a4-441a-bdb5-8a4ee4320b66",[1645,1659,1672,1685,1699],{"tag":71,"_uid":1646,"hide":29,"icon":1647,"link":1651,"type":71,"label":1658,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"09547f47-fd5a-4b75-bd20-5b419c3a9692",{"id":1648,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1649,"copyright":71,"fieldtype":76,"meta_data":1650,"is_external_url":29},16729348,"https://a.storyblok.com/f/146026/32x32/e26321511f/icon-star-32px-carbon-naked.svg",{},{"id":1652,"url":71,"linktype":166,"fieldtype":81,"cached_url":1653,"story":1654},"d942dafa-667c-49cd-bfcf-a53c8faa8e92","platform/mcp",{"name":1655,"id":1656,"uuid":1652,"slug":1657,"url":1653,"full_slug":1653,"_stopResolving":42},"MCP",184147202165078,"mcp","Spendesk AI connect",{"tag":71,"_uid":1660,"icon":1661,"link":1665,"type":71,"label":1669,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29},"40af8152-1e3f-4e5c-b9f2-5d8ff7672be7",{"id":1662,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1663,"copyright":71,"fieldtype":76,"meta_data":1664,"is_external_url":29},16281091,"https://a.storyblok.com/f/146026/16x16/c5475cecd9/icon-platic-card-carbon_no-bg.svg",{},{"id":1666,"url":71,"linktype":166,"fieldtype":81,"cached_url":1667,"story":1668},"a0ebe15c-08cc-4f8b-afba-12b165f9fb56","product/cards/",{"name":1669,"id":1670,"uuid":1666,"slug":1671,"url":1667,"full_slug":1667,"_stopResolving":42},"Cards",193401086247857,"cards",{"tag":71,"_uid":1673,"hide":29,"icon":1674,"link":1678,"type":71,"label":1682,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"68a2616c-26e5-4688-8333-6c5a4fab3190",{"id":1675,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1676,"copyright":71,"fieldtype":76,"meta_data":1677,"is_external_url":29},16281100,"https://a.storyblok.com/f/146026/16x16/cc8b7906c6/icon-cart-carbon_no-bg.svg",{},{"id":1679,"url":71,"linktype":166,"fieldtype":81,"cached_url":1680,"story":1681},"54aaf12a-503f-42e6-afbc-61919d53f941","product/procurement",{"name":1682,"id":1683,"uuid":1679,"slug":1684,"url":1680,"full_slug":1680,"_stopResolving":42},"Procurement",193401601446119,"procurement",{"tag":71,"_uid":1686,"hide":29,"icon":1687,"link":1691,"type":71,"label":1698,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"9dee1a69-11fd-470d-a6b7-98afd828410c",{"id":1688,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1689,"copyright":71,"fieldtype":76,"meta_data":1690,"is_external_url":29},16281102,"https://a.storyblok.com/f/146026/16x17/f28007595c/icon-approved-expenses-carbon_no-bg.svg",{},{"id":1692,"url":71,"linktype":166,"fieldtype":81,"cached_url":1693,"story":1694},"5a15816c-5303-499e-9774-f4eab6597303","product/accounts-payable",{"name":1695,"id":1696,"uuid":1692,"slug":1697,"url":1693,"full_slug":1693,"_stopResolving":42},"Accounts Payable",193400887722918,"accounts-payable","Accounts payable",{"tag":71,"_uid":1700,"icon":1701,"link":1705,"type":71,"label":1712,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29},"3d54b3a1-be28-45fe-a0a8-ebbc68e9e36d",{"id":1702,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1703,"copyright":71,"fieldtype":76,"meta_data":1704,"is_external_url":29},16281106,"https://a.storyblok.com/f/146026/16x16/b57ae3cc57/icon-expenses-carbon_no-bg.svg",{},{"id":1706,"url":71,"linktype":166,"fieldtype":81,"cached_url":1707,"story":1708},"2c9f9c07-cfb4-48e3-9391-89ea909b50ca","product/expense-management",{"name":1709,"id":1710,"uuid":1706,"slug":1711,"url":1707,"full_slug":1707,"_stopResolving":42},"Expense Management",193401429506811,"expense-management","Expense management","ctasColumn","--color-accent-06",{"_uid":1716,"ctas":1717,"label":1787,"component":1713,"labelColor":71,"backgroundIconColor":1714},"c7e769a0-95c8-49e3-a177-8c7061def31b",[1718,1732,1746,1760,1774],{"tag":71,"_uid":1719,"hide":29,"icon":1720,"link":1724,"type":71,"label":1728,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"4c5373c4-ce33-450b-b5a2-6fd072f8b1f4",{"id":1721,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1722,"copyright":71,"fieldtype":76,"meta_data":1723,"is_external_url":29},16729298,"https://a.storyblok.com/f/146026/32x32/afc3b416d2/icon-chart-32px-carbon-naked.svg",{},{"id":1725,"url":71,"linktype":166,"fieldtype":81,"cached_url":1726,"story":1727},"28bb9756-1ece-4e77-95d1-14f9384a14c9","platform/spends-controls",{"name":1728,"id":1729,"uuid":1725,"slug":1730,"url":1731,"full_slug":1731,"_stopResolving":42},"Spend Controls",193400956097450,"spend-controls","platform/spend-controls",{"tag":71,"_uid":1733,"hide":29,"icon":1734,"link":1738,"type":71,"label":1745,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"2510867b-7a54-4419-b9bf-179d0e428694",{"id":1735,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1736,"copyright":71,"fieldtype":76,"meta_data":1737,"is_external_url":29},16729328,"https://a.storyblok.com/f/146026/32x32/b0f8886cda/icon-marvin-32px-carbon-naked.svg",{},{"id":1739,"url":71,"linktype":166,"fieldtype":81,"cached_url":1740,"story":1741},"fd085d94-f53b-4b62-8db8-a7210e0836c2","platform/ai-automation",{"name":1742,"id":1743,"uuid":1739,"slug":1744,"url":1740,"full_slug":1740,"_stopResolving":42},"AI & Automation",193401551136651,"ai-automation","Intelligence & Automation",{"tag":71,"_uid":1747,"hide":29,"icon":1748,"link":1752,"type":71,"label":1759,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"26c4c111-0fcd-42c7-a1a9-adda4b11510c",{"id":1749,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1750,"copyright":71,"fieldtype":76,"meta_data":1751,"is_private":29,"is_external_url":29},16281093,"https://a.storyblok.com/f/146026/16x16/6958f61a21/icon-puzzle-carbon_no-bg.svg",{},{"id":1753,"url":71,"linktype":166,"fieldtype":81,"cached_url":1754,"story":1755},"e0594f7b-c01a-45b3-96e2-186a17439c46","integrations/",{"name":1756,"id":1757,"uuid":1753,"slug":1758,"url":1754,"full_slug":1754,"_stopResolving":42},"Integrations",129006144,"integrations","API & integrations",{"tag":71,"_uid":1761,"icon":1762,"link":1766,"type":71,"label":1773,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29},"b4465174-3e37-44c2-99ee-8cd84e6e5a98",{"id":1763,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1764,"copyright":71,"fieldtype":76,"meta_data":1765,"is_external_url":29},16281085,"https://a.storyblok.com/f/146026/16x16/aa4d62e541/icon-office-carbon_no-bg.svg",{},{"id":1767,"url":71,"linktype":166,"fieldtype":81,"cached_url":1768,"story":1769},"3d432995-4a9f-417f-b7d9-48e760bf8646","product/multi-entity-management",{"name":1770,"id":1771,"uuid":1767,"slug":1772,"url":1768,"full_slug":1768,"_stopResolving":42},"Multi-Entity Management",193401474719366,"multi-entity-management","Multi-entity management",{"tag":71,"_uid":1775,"icon":1776,"link":1780,"type":71,"label":1784,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29},"a349de93-1409-4ba4-a5e3-3c1916013987",{"id":1777,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1778,"copyright":71,"fieldtype":76,"meta_data":1779,"is_external_url":29},16281109,"https://a.storyblok.com/f/146026/16x16/e708885b4d/icon-wallet-carbon_no-bg.svg",{},{"id":1781,"url":71,"linktype":166,"fieldtype":81,"cached_url":1782,"story":1783},"b419cae8-61d4-4ab4-919b-71875ceab832","product/budget",{"name":1784,"id":1785,"uuid":1781,"slug":1786,"url":1782,"full_slug":1782,"_stopResolving":42},"Budget",193401384269658,"budget","Platform ","dropdownMenu",[1790],{"cta":1791,"_uid":1803,"title":1804,"eyebrow":1811,"subtitle":1814,"component":183,"textAlign":71,"sectionSettings":1821,"subtitleLeftBorder":29},[1792],{"tag":71,"_uid":1793,"hide":29,"icon":1794,"link":1795,"type":71,"label":1802,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"c116cfe4-00a7-4def-bfa6-50635b56f3cd",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":76},{"id":1796,"url":71,"linktype":166,"fieldtype":81,"cached_url":1797,"story":1798},"d3363100-1268-4a79-860d-dcf3ad572077","platform/platform-releases/june-update-2026",{"name":1799,"id":1800,"uuid":1796,"slug":1801,"url":1797,"full_slug":1797,"_stopResolving":42},"June update 2026",184269172433090,"june-update-2026","Explore now","5602ee0e-a19d-4a6d-81c7-654623a62c53",{"type":92,"content":1805},[1806],{"type":95,"attrs":1807,"content":1808},{"textAlign":26,"key":97},[1809],{"text":1810,"type":101},"What's New",{"type":92,"content":1812},[1813],{"type":95},{"type":92,"content":1815},[1816],{"type":95,"attrs":1817,"content":1818},{"textAlign":26,"key":97},[1819],{"text":1820,"type":101},"Your latest Spendesk product update is here",[],{"tag":71,"_uid":1823,"hide":29,"icon":1824,"link":1825,"type":71,"label":1829,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"3e099d1d-7633-470a-b225-70ff55117055",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":76},{"id":1826,"url":71,"linktype":166,"fieldtype":81,"cached_url":1827,"story":1828},"3fa6ea10-966e-4089-af4b-7e6e442aa044","pricing",{"name":1829,"id":1830,"uuid":1826,"slug":1827,"url":1827,"full_slug":1827,"_stopResolving":42},"Pricing",118542802,{"tag":71,"_uid":1832,"icon":1833,"link":1834,"type":71,"label":1841,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29},"d5e1987a-f5af-4885-8aaa-ef59abcd1856",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":76},{"id":1835,"url":71,"linktype":166,"fieldtype":81,"cached_url":1836,"story":1837},"09ad78b4-d4be-4ef1-9f8d-7f452d2592ee","customers/",{"name":1838,"id":1839,"uuid":1835,"slug":1840,"url":1836,"full_slug":1836,"_stopResolving":42},"Listing page",107236629,"customers","Customer stories",{"_uid":1843,"label":1844,"columns":1845,"component":1788,"headingNewBranding":1999},"59752063-d282-4855-95bc-45cfb825ed90","Resources",[1846,1903,1968],{"_uid":1847,"ctas":1848,"label":1901,"component":1713,"backgroundIconColor":1902},"705444cd-cbfb-417a-99c3-8481453ed293",[1849,1863,1875,1888],{"tag":71,"_uid":1850,"icon":1851,"link":1855,"type":71,"label":1862,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29},"5fa4f3ea-1139-4bfb-9f4b-5bfc2ee878e4",{"id":1852,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1853,"copyright":71,"fieldtype":76,"meta_data":1854,"is_private":29,"is_external_url":29},16281084,"https://a.storyblok.com/f/146026/16x16/4c0bcd937c/icon-edit-carbon_no-bg.svg",{},{"id":1856,"url":71,"linktype":166,"fieldtype":81,"cached_url":1857,"story":1858},"f85ca87f-b289-449f-9fc4-9c760a70f55b","blog/",{"name":1859,"id":1860,"uuid":1856,"slug":1861,"url":1857,"full_slug":1857,"_stopResolving":42},"Blog homepage (listing page)",181576014,"blog","Blog",{"tag":71,"_uid":1864,"hide":29,"icon":1865,"link":1869,"type":71,"label":1873,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"550defa8-3f12-404f-93c9-d1712a0cede6",{"id":1866,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1867,"copyright":71,"fieldtype":76,"meta_data":1868,"is_external_url":29},22166084,"https://a.storyblok.com/f/146026/16x16/70203afe7e/icon_-_play_-_carbon.svg",{},{"id":1870,"url":71,"linktype":166,"fieldtype":81,"cached_url":1871,"story":1872},"ee09d2a9-10e7-4197-8982-50a2e4c7e73e","webinars",{"name":1873,"id":1874,"uuid":1870,"slug":1871,"url":1871,"full_slug":1871,"_stopResolving":42},"Webinars",657702684,{"tag":71,"_uid":1876,"hide":29,"icon":1877,"link":1881,"type":71,"label":1887,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"d6c7b904-02c6-4635-b6ef-7c41c9ffc857",{"id":1878,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1879,"copyright":71,"fieldtype":76,"meta_data":1880,"is_private":29,"is_external_url":29},16281086,"https://a.storyblok.com/f/146026/16x16/0e8759095b/icon-help-carbon_no-bg.svg",{},{"id":1882,"url":71,"linktype":166,"fieldtype":81,"cached_url":1883,"story":1884},"58f938c1-a22b-4a2a-8ba3-85610455b1e2","faq",{"name":1885,"id":1886,"uuid":1882,"slug":1883,"url":1883,"full_slug":1883,"_stopResolving":42},"FAQ",126231937,"FAQs",{"tag":71,"_uid":1889,"hide":29,"icon":1890,"link":1894,"type":71,"label":1898,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"615e7cc9-41e0-4033-aa94-52ae8aa728ff",{"id":1891,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1892,"copyright":71,"fieldtype":76,"meta_data":1893,"is_private":29,"is_external_url":29},16281080,"https://a.storyblok.com/f/146026/17x17/dfacf276ea/icon-search-carbon_no-bg.svg",{},{"id":1895,"url":71,"linktype":166,"fieldtype":81,"cached_url":1896,"story":1897},"73f35c2d-ebf7-4761-8e05-7ef4d9d7df01","glossary/",{"name":1898,"id":1899,"uuid":1895,"slug":1900,"url":1896,"full_slug":1896,"_stopResolving":42},"Glossary",127190994,"glossary","Helpful content","--color-accent-05",{"_uid":1904,"ctas":1905,"label":1967,"component":1713,"labelColor":71,"backgroundIconColor":1902},"487d38bc-1a08-45a5-807a-5a7c04de8a6e",[1906,1916,1929,1942,1956],{"tag":71,"_uid":1907,"hide":29,"icon":1908,"link":1910,"type":71,"label":1914,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"8f6dba5c-37eb-4e62-a1ab-3c40a4558b8e",{"id":1735,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1736,"copyright":71,"fieldtype":76,"meta_data":1909,"is_external_url":29},{},{"id":1911,"url":71,"linktype":166,"fieldtype":81,"cached_url":1912,"story":1913},"9425912b-288d-48f1-a7c7-6247f58ed8ed","ai",{"name":1914,"id":1915,"uuid":1911,"slug":1912,"url":1912,"full_slug":1912,"_stopResolving":42},"AI Hub",114865617041697,{"tag":71,"_uid":1917,"icon":1918,"link":1922,"type":71,"label":1928,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29},"7777fb05-58e5-4f3c-aa58-92cdbc65fd09",{"id":1919,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1920,"copyright":71,"fieldtype":76,"meta_data":1921,"is_external_url":29},16281087,"https://a.storyblok.com/f/146026/16x16/e6ec37650f/icon-file-carbon_no-bg.svg",{},{"id":1923,"url":71,"linktype":166,"fieldtype":81,"cached_url":1924,"story":1925},"b116361a-f2a4-40f7-a021-4b9b64edade9","finance-resources",{"name":1926,"id":1927,"uuid":1923,"slug":1924,"url":1924,"full_slug":1924,"_stopResolving":42},"Finance resources",363638378,"Finance Team Resources",{"tag":71,"_uid":1930,"hide":29,"icon":1931,"link":1935,"type":71,"label":1939,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"627fe88e-fe6c-48e9-a3c4-2fd3336c1013",{"id":1932,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1933,"copyright":71,"fieldtype":76,"meta_data":1934,"is_external_url":29},70200044241480,"https://a.storyblok.com/f/146026/20x20/c23deb7ab6/icon-map-carbon_no-bg.svg",{},{"id":1936,"url":71,"linktype":166,"fieldtype":81,"cached_url":1937,"story":1938},"52ff1d3e-2698-4924-98a8-bb3c78d08bac","tools/cfo-tech-stack-map",{"name":1939,"id":1940,"uuid":1936,"slug":1941,"url":1937,"full_slug":1937,"_stopResolving":42},"CFO Tech Stack Map",688303595,"cfo-tech-stack-map",{"tag":71,"_uid":1943,"hide":42,"icon":1944,"link":1948,"type":71,"label":1955,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"bcc29e92-02f7-467c-95b2-b1a3745b8641",{"id":1945,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1946,"copyright":71,"fieldtype":76,"meta_data":1947,"is_external_url":29},16281098,"https://a.storyblok.com/f/146026/16x16/3e30487589/icon-calculator-carbon_no-bg.svg",{},{"id":1949,"url":71,"linktype":166,"fieldtype":81,"cached_url":1950,"story":1951},"ab956bec-b6b4-434a-b4aa-b772873f9577","tools/spend-management-calculator",{"name":1952,"id":1953,"uuid":1949,"slug":1954,"url":1950,"full_slug":1950,"_stopResolving":42},"ROI calculator",159362364,"spend-management-calculator","ROI Calculator",{"tag":71,"_uid":1957,"icon":1958,"link":1960,"type":71,"label":1966,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29},"2ebe313f-59e0-4d88-b72e-217efc4a1c17",{"id":1688,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1689,"copyright":71,"fieldtype":76,"meta_data":1959,"is_external_url":29},{},{"id":1961,"url":71,"linktype":166,"fieldtype":81,"cached_url":1962,"story":1963},"001bfc30-c6f3-44bd-93ed-888c2ec3bc46","tools/hmrc-mileage-calculator",{"name":1964,"id":1965,"uuid":1961,"slug":1964,"url":1962,"full_slug":1962,"_stopResolving":42},"hmrc-mileage-calculator",590567568,"HMRC Mileage Calculator","Resources & Tools",{"_uid":1969,"ctas":1970,"label":1998,"component":1713,"backgroundIconColor":1902},"42cd977b-64fd-4daa-a999-3e539c48fdf8",[1971,1980,1989],{"tag":71,"_uid":1972,"icon":1973,"link":1977,"type":71,"label":1979,"style":82,"component":83,"onClickEvent":71,"openInANewTab":42},"2d80d8b9-bc29-451a-8830-93f777a4035f",{"id":1974,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1975,"copyright":71,"fieldtype":76,"meta_data":1976,"is_external_url":29},16281104,"https://a.storyblok.com/f/146026/24x24/9630540d4d/icon-cfoc-carbon_no-bg.svg",{},{"id":71,"url":1978,"linktype":80,"fieldtype":81,"cached_url":1978},"https://www.cfoconnect.eu/en/","Join CFO Connect",{"tag":71,"_uid":1981,"icon":1982,"link":1986,"type":71,"label":1988,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29},"8aa1408e-a5de-4956-b981-e612681b1217",{"id":1983,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1984,"copyright":71,"fieldtype":76,"meta_data":1985,"is_private":29,"is_external_url":29},16281088,"https://a.storyblok.com/f/146026/16x16/11abf8539b/icon-calendar-carbon_no-bg.svg",{},{"id":71,"url":1987,"linktype":80,"cached_url":1987},"https://www.cfoconnect.eu/en/events/?__hstc=41219197.bbead300ed8109c4e10bec25b53311f8.1650355153846.1650355153846.1650393005163.2&__hssc=41219197.10.1650393005163&__hsfp=2647279916","Events",{"tag":71,"_uid":1990,"icon":1991,"link":1995,"type":71,"label":1997,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29},"51f87bc2-673b-462f-8774-e0e4ff7d7c32",{"id":1992,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1993,"copyright":71,"fieldtype":76,"meta_data":1994,"is_private":29,"is_external_url":29},16281082,"https://a.storyblok.com/f/146026/16x16/d2c2ef928e/icon-chat-carbon_no-bg.svg",{},{"id":71,"url":1996,"linktype":80,"cached_url":1996},"https://www.cfoconnect.eu/en/resources/faces-of-finance/?__hstc=41219197.bbead300ed8109c4e10bec25b53311f8.1650355153846.1650355153846.1650393005163.2&__hssc=41219197.11.1650393005163&__hsfp=2647279916","Faces of Finance","Community",[],{"_uid":2001,"label":2002,"columns":2003,"component":1788,"headingNewBranding":2070},"4d29560b-a121-4a55-83cc-9ad81e6c3b0d","Company",[2004,2041],{"_uid":2005,"ctas":2006,"label":2002,"component":1713,"labelColor":71,"backgroundIconColor":1714},"e742d8be-34ef-4dd7-a505-637bcae2bfe0",[2007,2018,2027],{"tag":71,"_uid":2008,"hide":29,"icon":2009,"link":2011,"type":71,"label":2017,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"08110155-0385-4a0d-bb1f-23db5d38e45f",{"id":1763,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1764,"copyright":71,"fieldtype":76,"meta_data":2010,"is_private":29,"is_external_url":29},{},{"id":2012,"url":71,"linktype":166,"fieldtype":81,"cached_url":2013,"story":2014},"e44ca227-8de9-44c9-93ac-9229f1e769ba","about",{"name":2015,"id":2016,"uuid":2012,"slug":2013,"url":2013,"full_slug":2013,"_stopResolving":42},"Our story",126213445,"About us",{"tag":71,"_uid":2019,"hide":29,"icon":2020,"link":2024,"type":71,"label":2026,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"10f20954-92be-45a9-a38d-4ff377ae1a91",{"id":2021,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2022,"copyright":71,"fieldtype":76,"meta_data":2023,"is_external_url":29},16281083,"https://a.storyblok.com/f/146026/16x16/4710670fe5/icon-suitcase-carbon_no-bg.svg",{},{"id":71,"url":2025,"linktype":80,"fieldtype":81,"cached_url":2025},"https://career.spendesk.com","Careers",{"tag":71,"_uid":2028,"hide":29,"icon":2029,"link":2033,"type":71,"label":2040,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"54992a01-315a-44ea-8d42-530e6a4991e4",{"id":2030,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2031,"copyright":71,"fieldtype":76,"meta_data":2032,"is_private":29,"is_external_url":29},16281079,"https://a.storyblok.com/f/146026/16x16/b2eba365dd/icon-news-carbon_no-bg.svg",{},{"id":2034,"url":71,"linktype":166,"fieldtype":81,"cached_url":2035,"story":2036},"f09d7678-b42b-4c68-b4a5-3d26d457355c","press/",{"name":2037,"id":2038,"uuid":2034,"slug":2039,"url":2035,"full_slug":2035,"_stopResolving":42},"Spendesk Press",265014512,"press","News & Press",{"_uid":2042,"ctas":2043,"label":2069,"component":1713,"labelColor":71,"backgroundIconColor":1714},"59a11592-e6cb-405d-8208-9e3c365ac046",[2044,2057],{"tag":71,"_uid":2045,"hide":29,"icon":2046,"link":2050,"type":71,"label":2054,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"4c769292-9f5f-404f-90d3-9a6ed38483ff",{"id":2047,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2048,"copyright":71,"fieldtype":76,"meta_data":2049,"is_private":29,"is_external_url":29},16281099,"https://a.storyblok.com/f/146026/18x16/a7c116c072/icon-people-carbon_no-bg.svg",{},{"id":2051,"url":71,"linktype":166,"fieldtype":81,"cached_url":2052,"story":2053},"256bc156-b5de-4af2-a9d9-17e2f24d8448","partners/",{"name":2054,"id":2055,"uuid":2051,"slug":2056,"url":2052,"full_slug":2052,"_stopResolving":42},"Partners",113802294,"partners",{"tag":71,"_uid":2058,"hide":29,"icon":2059,"link":2063,"type":71,"label":2067,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"f0e6324a-5e60-43c4-bffc-3430ec5c000b",{"id":2060,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2061,"copyright":71,"fieldtype":76,"meta_data":2062,"is_private":29,"is_external_url":29},16281081,"https://a.storyblok.com/f/146026/18x18/01e1262e82/icon-phone-carbon_no-bg.svg",{},{"id":2064,"url":71,"linktype":166,"fieldtype":81,"cached_url":2065,"story":2066},"07eb4f4d-6829-4200-a43a-40fe668dbd09","contact-us",{"name":2067,"id":2068,"uuid":2064,"slug":2065,"url":2065,"full_slug":2065,"_stopResolving":42},"Contact us",126275406," ",[],"Login","header",[2074,2079,2084,2088],{"_uid":2075,"code":39,"name":2076,"component":2077,"shortName":2078},"3825432f-6270-4fc5-a6de-2268b10d53ab","Deutsch","language","DE",{"_uid":2080,"code":2081,"name":2082,"component":2077,"shortName":2083},"5050c343-1954-40e4-bc50-71a22fceaf28","en","English","EN",{"_uid":2085,"code":41,"name":2086,"component":2077,"shortName":2087},"76d21077-cbac-4f11-9fed-1cee8e6221ae","Español","ES",{"_uid":2089,"code":37,"name":2090,"component":2077,"shortName":2091},"a451f395-b57c-4be1-8e17-c87dbc81b87b","Français","FR",{"id":2093,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2094,"copyright":71,"fieldtype":76,"meta_data":2095,"is_external_url":29},15300953,"https://a.storyblok.com/f/146026/143x22/ff77add2ca/spendesk-logo-black.svg",{},{"id":2097,"alt":1634,"name":71,"focus":71,"title":2098,"source":71,"filename":2099,"copyright":71,"fieldtype":76,"meta_data":2100,"is_external_url":29},4112224,"Spendesk white","https://a.storyblok.com/f/146026/x/8000a10792/spendesk-logo-white.svg",{},[2102],{"tag":71,"_uid":2103,"hide":29,"icon":2104,"link":2106,"type":71,"label":2108,"style":82,"component":83,"onClickEvent":2109,"openInANewTab":42,"horizontalFill":29},"76967f37-ad44-44e4-942f-2b6c1c1ee456",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2105},{},{"id":71,"url":2107,"linktype":80,"fieldtype":81,"cached_url":2107},"https://helpcenter.spendesk.com","Help Center","website:navbar:helpcenter_cta:clicked",[2111,2116],{"tag":71,"_uid":2112,"hide":29,"icon":2113,"link":2115,"type":71,"label":2108,"style":82,"component":83,"onClickEvent":2109,"openInANewTab":42,"horizontalFill":29},"5973fc04-9f32-479f-8978-27caad9d8e91",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2114},{},{"id":71,"url":2107,"linktype":80,"fieldtype":81,"cached_url":2107},{"tag":71,"_uid":2117,"hide":29,"icon":2118,"link":2120,"type":71,"label":2126,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"9875b499-bfb1-473b-a433-f70b3cff167b",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":76,"meta_data":2119,"is_external_url":29},{},{"id":2121,"url":71,"linktype":166,"fieldtype":81,"cached_url":2122,"story":2123},"0fcd9d53-6332-4709-aeeb-2e72863eb107","spendesk-security",{"name":2124,"id":2125,"uuid":2121,"slug":2122,"url":2122,"full_slug":2122,"_stopResolving":42},"Security",126230553,"Security & privacy",[2128,2136,2144,2152,2160],{"tag":71,"_uid":2129,"icon":2130,"link":2134,"type":71,"label":71,"style":82,"component":83,"onClickEvent":71,"openInANewTab":42},"71cb89db-23a0-4b90-82d6-ca84b52af561",{"id":2131,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2132,"copyright":71,"fieldtype":76,"meta_data":2133,"is_external_url":29},16281248,"https://a.storyblok.com/f/146026/12x12/2d962efd0e/icon-facebook-carbon_no-bg.svg",{},{"id":71,"url":2135,"linktype":80,"fieldtype":81,"cached_url":2135},"https://www.facebook.com/spendesk/",{"tag":71,"_uid":2137,"icon":2138,"link":2142,"type":71,"label":71,"style":82,"component":83,"onClickEvent":71,"openInANewTab":42},"69887bf3-cc5a-4f8b-82e0-33682082fbb0",{"id":2139,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2140,"copyright":71,"fieldtype":76,"meta_data":2141,"is_private":29,"is_external_url":29},16281245,"https://a.storyblok.com/f/146026/12x12/3d1e2f35e1/icon-instagram-carbon_no-bg.svg",{},{"id":71,"url":2143,"linktype":80,"fieldtype":81,"cached_url":2143},"https://www.instagram.com/spendesk",{"tag":71,"_uid":2145,"icon":2146,"link":2150,"type":71,"label":71,"style":82,"component":83,"onClickEvent":71,"openInANewTab":42},"4b43ad3a-09a9-4670-8fa0-112bc3a16e82",{"id":2147,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2148,"copyright":71,"fieldtype":76,"meta_data":2149,"is_private":29,"is_external_url":29},16281247,"https://a.storyblok.com/f/146026/12x12/864442ea5c/icon-linkedin-carbon_no-bg.svg",{},{"id":71,"url":2151,"linktype":80,"fieldtype":81,"cached_url":2151},"https://www.linkedin.com/company/spendesk/",{"tag":71,"_uid":2153,"icon":2154,"link":2158,"type":71,"label":71,"style":82,"component":83,"onClickEvent":71,"openInANewTab":42},"78310ee6-2020-4d6f-935c-61b7c4320988",{"id":2155,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2156,"copyright":71,"fieldtype":76,"meta_data":2157,"is_private":29,"is_external_url":29},16281249,"https://a.storyblok.com/f/146026/12x12/2b24154a63/icon-x-carbon_no-bg.svg",{},{"id":71,"url":2159,"linktype":80,"fieldtype":81,"cached_url":2159},"https://x.com/Spendesk",{"tag":71,"_uid":2161,"hide":29,"icon":2162,"link":2166,"type":71,"label":71,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":42,"horizontalFill":29},"70991476-75cd-4094-ae94-acd39cb504f1",{"id":2163,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2164,"copyright":71,"fieldtype":76,"meta_data":2165,"is_private":29,"is_external_url":29},16281246,"https://a.storyblok.com/f/146026/12x12/169fccc4c0/icon-youtube-carbon_no-bg.svg",{},{"id":71,"url":2167,"linktype":80,"fieldtype":81,"cached_url":2167},"https://www.youtube.com/c/spendesk",[2169],{"tag":71,"_uid":2170,"hide":29,"icon":2171,"link":2172,"type":71,"label":71,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"b3e35b40-8a11-4b10-8610-d965ad8998f4",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":76},{"id":2173,"url":71,"linktype":166,"fieldtype":81,"cached_url":2174,"story":2175},"cda85daf-0d14-4698-9bb2-d5fbb6bd7bc5","home",{"name":2176,"id":2177,"uuid":2173,"slug":2174,"url":2174,"full_slug":2174,"_stopResolving":42},"Homepage",106735746,[2179],{"tag":71,"_uid":2180,"hide":29,"icon":2181,"link":2182,"type":71,"label":2189,"style":82,"component":83,"onClickEvent":2190,"openInANewTab":29,"horizontalFill":29},"2c621606-7c33-47b3-9eb1-456d185505fe",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"filename":71,"copyright":26,"fieldtype":76},{"id":2183,"url":71,"anchor":71,"linktype":166,"fieldtype":81,"cached_url":2184,"story":2185},"92c675ca-b9a9-4a17-9ac3-8b5dd3221fc4","schedule-a-demo/",{"name":2186,"id":2187,"uuid":2183,"slug":2188,"url":2184,"full_slug":2184,"_stopResolving":42},"Schedule a demo",126838129,"schedule-a-demo","Book a demo","website:navbar:book_a_demo_cta:clicked",[2192],{"_uid":2193,"hide":29,"style":2194,"content":2195,"display":2220,"component":2221,"hideOnMobile":29,"mobileContent":2222},"295cfee8-25ae-49d8-8704-8e96565866d5","animated-gradient",{"type":92,"content":2196},[2197],{"type":95,"attrs":2198,"content":2199},{"textAlign":26,"key":97},[2200,2207,2212],{"text":2201,"type":101,"marks":2202},"Spendesk AI Connect",[2203,2205],{"type":145,"attrs":2204},{"color":71},{"type":2206},"bold",{"text":2208,"type":101,"marks":2209},": Meet the fastest way to work with your spend data. ",[2210],{"type":145,"attrs":2211},{"color":71},{"text":2213,"type":101,"marks":2214},"Find out more",[2215,2219],{"type":161,"attrs":2216},{"href":2217,"uuid":1652,"anchor":26,"target":165,"linktype":166,"story":2218},"/platform/mcp",{"name":1655,"id":1656,"uuid":1652,"slug":1657,"url":1653,"full_slug":1653,"_stopResolving":42},{"type":2206},"Whole website","announcementBanner",{"type":92,"content":2223},[2224],{"type":95,"attrs":2225,"content":2226},{"textAlign":26,"key":97},[2227,2230,2231],{"text":2201,"type":101,"marks":2228},[2229],{"type":2206},{"text":2208,"type":101},{"text":2213,"type":101,"marks":2232},[2233,2236],{"type":161,"attrs":2234},{"href":2217,"uuid":1652,"anchor":26,"target":165,"linktype":166,"story":2235},{"name":1655,"id":1656,"uuid":1652,"slug":1657,"url":1653,"full_slug":1653,"_stopResolving":42},{"type":2206},"Select your language","global-components/header",[2240],"Links checked",111907194,"ef28e32e-3701-433a-b77f-08737a82cfdc","2022-03-09T14:32:27.754Z","/",[],[2247,2248,2249],{"path":2238,"name":26,"lang":37,"published":26},{"path":2238,"name":26,"lang":39,"published":26},{"path":2238,"name":26,"lang":41,"published":26},{"name":2251,"created_at":2252,"published_at":2253,"updated_at":2254,"id":2255,"uuid":2256,"content":2257,"slug":2526,"full_slug":2690,"sort_by_date":26,"position":2691,"tag_list":2692,"is_startpage":29,"parent_id":2241,"meta_data":26,"group_id":2693,"first_published_at":2694,"release_id":26,"lang":33,"path":1857,"alternates":2695,"default_full_slug":2690,"translated_slugs":2696},"Footer","2022-03-03T10:27:46.390Z","2026-05-13T14:37:35.509Z","2026-05-13T14:37:35.598Z",112689691,"bd332f6b-f70a-4f07-abe4-434b845b6945",{"_uid":2258,"lists":2259,"component":2526,"logoLinks":2527,"legalLinks":2544,"socialLinks":2595,"newsletterForm":2621,"complianceLogos":2659,"newsletterTitle":2668,"smallDescription":2669,"newsletterSubtitle":2675,"legalDescriptionText":2676},"68acc184-683a-412b-863a-297708c3cffb",[2260,2359,2431,2494],{"_uid":2261,"ctas":2262,"label":2358,"component":1713,"labelColor":71,"backgroundIconColor":71},"d0f2d38f-3465-422c-9ebf-15df11d2c26b",[2263,2275,2287,2295,2307,2319,2331,2337,2348],{"tag":71,"_uid":2264,"hide":29,"icon":2265,"link":2267,"type":71,"label":2274,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"6c234d18-72c2-4bd6-9f55-f4e43594afab",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2266},{},{"id":2268,"url":71,"linktype":166,"fieldtype":81,"cached_url":2269,"story":2270},"55eff7ea-e09a-4ede-98c5-21bc5a882f28","use-cases/invoice-processing",{"name":2271,"id":2272,"uuid":2268,"slug":2273,"url":2269,"full_slug":2269,"_stopResolving":42},"Automated invoice processing",129356665,"invoice-processing","Invoice Processing",{"tag":71,"_uid":2276,"hide":29,"icon":2277,"link":2279,"type":71,"label":2286,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"85a7dae5-f766-4f55-b545-3cfe43c0f819",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2278},{},{"id":2280,"url":71,"linktype":166,"fieldtype":81,"cached_url":2281,"story":2282},"0925f744-a413-46d2-af4e-ed4c9fbd5f06","use-cases/administrative-expenses",{"name":2283,"id":2284,"uuid":2280,"slug":2285,"url":2281,"full_slug":2281,"_stopResolving":42},"Administrative expenses",129781018,"administrative-expenses","Administrative Expenses",{"tag":71,"_uid":2288,"hide":29,"icon":2289,"link":2291,"type":71,"label":2294,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"dca639bb-1c45-45e9-8ab9-6bf130a9fff7",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2290},{},{"id":2292,"url":71,"linktype":166,"fieldtype":81,"cached_url":2293},"a5ebc082-5ced-490f-beeb-91473f913fb7","product/subscription-management","Subscription Management",{"tag":71,"_uid":2296,"hide":29,"icon":2297,"link":2299,"type":71,"label":2306,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"9ba916f8-6ed9-4789-a107-907007efc326",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2298},{},{"id":2300,"url":71,"linktype":166,"fieldtype":81,"cached_url":2301,"story":2302},"2a707a65-6597-4ae6-bbc2-5e3f13075706","use-cases/travel-spending",{"name":2303,"id":2304,"uuid":2300,"slug":2305,"url":2301,"full_slug":2301,"_stopResolving":42},"Travel spending",129190854,"travel-spending","Business Travel",{"tag":71,"_uid":2308,"hide":29,"icon":2309,"link":2311,"type":71,"label":2318,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"f94a4adb-4c2b-459f-a640-f0c0279ea721",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2310},{},{"id":2312,"url":71,"linktype":166,"fieldtype":81,"cached_url":2313,"story":2314},"8191ed3b-30f0-4e58-b83d-9bc4c524b120","use-cases/office-expenses",{"name":2315,"id":2316,"uuid":2312,"slug":2317,"url":2313,"full_slug":2313,"_stopResolving":42},"Easily manage office expenses | Spendesk",128717906,"office-expenses","Office Expenses",{"tag":71,"_uid":2320,"hide":29,"icon":2321,"link":2323,"type":71,"label":2330,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"518b355a-04dc-4755-ae49-4242b463744d",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2322},{},{"id":2324,"url":71,"linktype":166,"fieldtype":81,"cached_url":2325,"story":2326},"ca384414-4154-4849-a5c9-3738c1ad70fd","use-cases/digital-advertising-spending",{"name":2327,"id":2328,"uuid":2324,"slug":2329,"url":2325,"full_slug":2325,"_stopResolving":42},"Digital advertising spending",129684661,"digital-advertising-spending","Digital Advertising",{"tag":71,"_uid":2332,"hide":29,"icon":2333,"link":2335,"type":71,"label":1709,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"dc00429b-285a-4699-ba81-97bbaf890a70",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2334},{},{"id":1333,"url":71,"linktype":166,"fieldtype":81,"cached_url":1337,"story":2336},{"name":1335,"id":1336,"uuid":1333,"slug":1337,"url":1337,"full_slug":1337,"_stopResolving":42},{"tag":71,"_uid":2338,"hide":29,"icon":2339,"link":2341,"type":71,"label":2347,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"469f4c3f-514e-4233-9145-28711379d5ce",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2340},{},{"id":2342,"url":71,"linktype":166,"fieldtype":81,"cached_url":2343,"story":2344},"73ff0017-620a-491e-88a2-e14a86be013a","business-expense-cards",{"name":2345,"id":2346,"uuid":2342,"slug":2343,"url":2343,"full_slug":2343,"_stopResolving":42},"Business expense cards ",127581560,"Business Cards",{"tag":71,"_uid":2349,"hide":29,"icon":2350,"link":2352,"type":71,"label":1695,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"4cde6a66-266d-48bc-b86f-406e5bc0ec2a",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2351},{},{"id":2353,"url":71,"linktype":166,"fieldtype":81,"cached_url":2354,"story":2355},"01ed1057-9896-498c-926e-60bc926469a8","accounts-payable-software",{"name":2356,"id":2357,"uuid":2353,"slug":2354,"url":2354,"full_slug":2354,"_stopResolving":42},"Accounts payable software",128157999,"Solutions",{"_uid":2360,"ctas":2361,"label":2370,"component":1713,"labelColor":71,"backgroundIconColor":71},"f5cbd7bc-f736-4698-a51e-febd689e8aba",[2362,2374,2382,2389,2397,2405,2412,2418,2424],{"tag":71,"_uid":2363,"hide":29,"icon":2364,"link":2366,"type":71,"label":2373,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"bdc33375-72d8-4afc-b7d3-fc2fb82dc0af",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2365},{},{"id":2367,"url":71,"linktype":166,"fieldtype":81,"cached_url":2368,"story":2369},"4b39d188-071f-4f1b-9670-76374dd671b8","platform",{"name":2370,"id":2371,"uuid":2367,"slug":2368,"url":2372,"full_slug":2372,"_stopResolving":42},"Platform",511195522,"platform/","Overview",{"tag":71,"_uid":2375,"hide":29,"icon":2376,"link":2378,"type":71,"label":2381,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"7e976f79-3fe6-4f3c-81db-baabd41b8546",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2377},{},{"id":2379,"url":71,"linktype":166,"fieldtype":81,"cached_url":2380},"f77dd8b1-8d41-4544-ac6a-c6f16b40172d","platform/procure-to-pay","Procure-to-Pay",{"tag":71,"_uid":2383,"hide":29,"icon":2384,"link":2386,"type":71,"label":1770,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"7e85bd5b-350e-424b-89f7-86a41638fc46",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2385},{},{"id":2387,"url":71,"linktype":166,"fieldtype":81,"cached_url":2388},"401777c6-ec33-41bf-a126-f5675213ce30","platform/multi-entity-management",{"tag":71,"_uid":2390,"hide":29,"icon":2391,"link":2393,"type":71,"label":2396,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"8e12ff56-aeb4-4c77-a7a0-fb740301c3f6",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2392},{},{"id":2394,"url":71,"linktype":166,"fieldtype":81,"cached_url":2395},"27dba625-a774-450b-9fb8-47efecbc5fc1","product/smart-company-cards","Corporate Cards",{"tag":71,"_uid":2398,"hide":29,"icon":2399,"link":2401,"type":71,"label":2404,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"2fc815b6-120c-475a-9ad5-3365b07f3046",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2400},{},{"id":2402,"url":71,"linktype":166,"fieldtype":81,"cached_url":2403},"69439fab-65c8-476b-b817-bcd2c0b66df4","platform/virtual-cards","Virtual Cards",{"tag":71,"_uid":2406,"hide":29,"icon":2407,"link":2409,"type":71,"label":2411,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"31cd840e-93a6-4549-a575-70e49458dd04",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2408},{},{"id":1753,"url":71,"linktype":166,"fieldtype":81,"cached_url":1754,"story":2410},{"name":1756,"id":1757,"uuid":1753,"slug":1758,"url":1754,"full_slug":1754,"_stopResolving":42},"API & Integrations",{"tag":71,"_uid":2413,"hide":29,"icon":2414,"link":2416,"type":71,"label":1829,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"6ceacb70-4395-4d46-a104-52bcbb12549a",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2415},{},{"id":1826,"url":71,"linktype":166,"fieldtype":81,"cached_url":1827,"story":2417},{"name":1829,"id":1830,"uuid":1826,"slug":1827,"url":1827,"full_slug":1827,"_stopResolving":42},{"tag":71,"_uid":2419,"hide":29,"icon":2420,"link":2422,"type":71,"label":2124,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"aaf8481c-eaf9-49d6-bbf8-294414629527",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2421},{},{"id":2121,"url":71,"linktype":166,"fieldtype":81,"cached_url":2122,"story":2423},{"name":2124,"id":2125,"uuid":2121,"slug":2122,"url":2122,"full_slug":2122,"_stopResolving":42},{"tag":71,"_uid":2425,"hide":29,"icon":2426,"link":2428,"type":71,"label":2430,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"9ac83939-1d0e-4acd-a388-b7e84d5fe919",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2427},{},{"id":71,"url":2429,"linktype":80,"fieldtype":81,"cached_url":2429},"https://trust.spendesk.com/","Trust Center",{"_uid":2432,"ctas":2433,"label":1844,"component":1713,"backgroundIconColor":71},"a5692a00-27ae-4696-a7e1-1634fdadec5f",[2434,2440,2445,2451,2457,2463,2469,2476,2482,2488],{"tag":71,"_uid":2435,"hide":29,"icon":2436,"link":2438,"type":71,"label":1841,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"51465f21-aec8-4db0-8abf-a7642c30c371",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2437},{},{"id":1835,"url":71,"linktype":166,"fieldtype":81,"cached_url":1836,"story":2439},{"name":1838,"id":1839,"uuid":1835,"slug":1840,"url":1836,"full_slug":1836,"_stopResolving":42},{"tag":71,"_uid":2441,"icon":2442,"link":2443,"type":71,"label":1862,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29},"d8b26908-181b-4ad4-ac37-10378e37c224",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":76},{"id":1856,"url":71,"linktype":166,"fieldtype":81,"cached_url":1857,"story":2444},{"name":1859,"id":1860,"uuid":1856,"slug":1861,"url":1857,"full_slug":1857,"_stopResolving":42},{"tag":71,"_uid":2446,"hide":29,"icon":2447,"link":2449,"type":71,"label":1873,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"ce775eab-1c6b-429e-b2ca-a231431b2f3e",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2448},{},{"id":1870,"url":71,"linktype":166,"fieldtype":81,"cached_url":1871,"story":2450},{"name":1873,"id":1874,"uuid":1870,"slug":1871,"url":1871,"full_slug":1871,"_stopResolving":42},{"tag":71,"_uid":2452,"hide":29,"icon":2453,"link":2455,"type":71,"label":1928,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"c39d3fa4-a923-42b8-9d7c-0b9b936c5bcc",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2454},{},{"id":1923,"url":71,"linktype":166,"fieldtype":81,"cached_url":1924,"story":2456},{"name":1926,"id":1927,"uuid":1923,"slug":1924,"url":1924,"full_slug":1924,"_stopResolving":42},{"tag":71,"_uid":2458,"hide":29,"icon":2459,"link":2461,"type":71,"label":1939,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"240f0a34-aa81-43d6-bda7-2d971d0d57b7",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2460},{},{"id":1936,"url":71,"linktype":166,"fieldtype":81,"cached_url":1937,"story":2462},{"name":1939,"id":1940,"uuid":1936,"slug":1941,"url":1937,"full_slug":1937,"_stopResolving":42},{"tag":71,"_uid":2464,"icon":2465,"link":2467,"type":71,"label":1966,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29},"bdd90120-f369-405f-8e86-565a0cb8bebc",{"id":1688,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1689,"copyright":71,"fieldtype":76,"meta_data":2466,"is_external_url":29},{},{"id":1961,"url":71,"linktype":166,"fieldtype":81,"cached_url":1962,"story":2468},{"name":1964,"id":1965,"uuid":1961,"slug":1964,"url":1962,"full_slug":1962,"_stopResolving":42},{"tag":71,"_uid":2470,"hide":29,"icon":2471,"link":2473,"type":71,"label":2475,"style":82,"component":83,"onClickEvent":71,"openInANewTab":42,"horizontalFill":29},"1e38a088-1716-44d2-91c9-b42a77573314",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2472},{},{"id":71,"url":2474,"linktype":80,"fieldtype":81,"cached_url":2474},"https://www.cfoconnect.eu/","CFO Connect",{"tag":71,"_uid":2477,"hide":29,"icon":2478,"link":2480,"type":71,"label":1887,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"bc6ea1e5-e214-4c5b-891b-97f3a463ab96",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2479},{},{"id":1882,"url":71,"linktype":166,"fieldtype":81,"cached_url":1883,"story":2481},{"name":1885,"id":1886,"uuid":1882,"slug":1883,"url":1883,"full_slug":1883,"_stopResolving":42},{"tag":71,"_uid":2483,"hide":29,"icon":2484,"link":2486,"type":71,"label":1898,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"a4cbb496-40d2-47fe-a675-0be9c945ac68",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2485},{},{"id":1895,"url":71,"linktype":166,"fieldtype":81,"cached_url":1896,"story":2487},{"name":1898,"id":1899,"uuid":1895,"slug":1900,"url":1896,"full_slug":1896,"_stopResolving":42},{"tag":71,"_uid":2489,"hide":29,"icon":2490,"link":2492,"type":71,"label":2108,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"729e5d8c-44e2-4878-abfd-74b1064926c4",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2491},{},{"id":71,"url":2493,"linktype":80,"fieldtype":81,"cached_url":2493},"https://helpcenter.spendesk.com/en/",{"_uid":2495,"ctas":2496,"label":2002,"component":1713,"backgroundIconColor":71},"a55f4bc1-606b-46eb-a94d-b098cfcbf0c3",[2497,2503,2509,2513,2519],{"tag":71,"_uid":2498,"hide":29,"icon":2499,"link":2501,"type":71,"label":2017,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"2258dba0-720f-4a72-8616-3ee8ad748d39",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2500},{},{"id":2012,"url":71,"linktype":166,"fieldtype":81,"cached_url":2013,"story":2502},{"name":2015,"id":2016,"uuid":2012,"slug":2013,"url":2013,"full_slug":2013,"_stopResolving":42},{"tag":71,"_uid":2504,"hide":29,"icon":2505,"link":2507,"type":71,"label":2054,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"7f0c013f-0597-4295-8eb2-947bce9f3038",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2506},{},{"id":2051,"url":71,"linktype":166,"fieldtype":81,"cached_url":2052,"story":2508},{"name":2054,"id":2055,"uuid":2051,"slug":2056,"url":2052,"full_slug":2052,"_stopResolving":42},{"tag":71,"_uid":2510,"icon":2511,"link":2512,"type":71,"label":2026,"style":82,"component":83,"onClickEvent":71,"openInANewTab":42},"55725d79-a09b-441b-9950-02d332513ec3",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"filename":71,"copyright":26,"fieldtype":76},{"id":71,"url":2025,"linktype":80,"fieldtype":81,"cached_url":2025},{"tag":71,"_uid":2514,"icon":2515,"link":2516,"type":71,"label":2040,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29},"be048aa8-7d04-41a6-bee0-8d53fcb6149f",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"filename":71,"copyright":26,"fieldtype":76},{"id":2034,"url":71,"linktype":166,"fieldtype":81,"cached_url":2517,"story":2518},"press/press-v2",{"name":2037,"id":2038,"uuid":2034,"slug":2039,"url":2035,"full_slug":2035,"_stopResolving":42},{"tag":71,"_uid":2520,"hide":29,"icon":2521,"link":2523,"type":71,"label":2525,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"b3c4b61d-001b-4c3f-99f0-f787b5837ee9",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2522},{},{"id":2064,"url":71,"linktype":166,"fieldtype":81,"cached_url":2065,"story":2524},{"name":2067,"id":2068,"uuid":2064,"slug":2065,"url":2065,"full_slug":2065,"_stopResolving":42},"Contact Us","footer",[2528,2536],{"tag":71,"_uid":2529,"hide":29,"icon":2530,"link":2534,"type":71,"label":71,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"225df49b-7d21-46c3-986a-89b609d15540",{"id":2531,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2532,"copyright":71,"fieldtype":76,"meta_data":2533,"is_external_url":29},173615012056826,"https://a.storyblok.com/f/146026/3840x1138/df5342ecf7/app-store.png",{},{"id":71,"url":2535,"linktype":80,"fieldtype":81,"cached_url":2535},"https://apps.apple.com/gb/app/spendesk/id1189271166",{"tag":71,"_uid":2537,"hide":29,"icon":2538,"link":2542,"type":71,"label":71,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"304ab845-c02d-4797-ac5d-b731333ea7dd",{"id":2539,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2540,"copyright":71,"fieldtype":76,"meta_data":2541,"is_external_url":29},173615379803939,"https://a.storyblok.com/f/146026/3840x1138/74c7cdcd5e/play-store.png",{},{"id":71,"url":2543,"linktype":80,"fieldtype":81,"cached_url":2543},"https://play.google.com/store/apps/details?id=com.spendesk.spendesk",[2545,2551,2563,2573,2583,2589],{"tag":71,"_uid":2546,"icon":2547,"link":2548,"type":71,"label":2550,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29},"18c52dc1-2550-498e-947d-ad963cf65b82",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"filename":71,"copyright":26,"fieldtype":76},{"id":2173,"url":71,"linktype":166,"fieldtype":81,"cached_url":2174,"story":2549},{"name":2176,"id":2177,"uuid":2173,"slug":2174,"url":2174,"full_slug":2174,"_stopResolving":42},"© Spendesk",{"tag":71,"_uid":2552,"icon":2553,"link":2554,"type":71,"label":2562,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"e04f239b-a66b-4a6e-a5aa-98e51dc8ed87",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"filename":71,"copyright":26,"fieldtype":76},{"id":2555,"url":71,"linktype":166,"fieldtype":81,"cached_url":2556,"story":2557},"9ab6c86b-54a0-4c11-815c-fabbc1170f1a","legals/terms",{"name":2558,"id":2559,"uuid":2555,"slug":2560,"url":2561,"full_slug":2561,"_stopResolving":42},"T&C index page",126275944,"terms","legals/terms/","Terms of Service",{"tag":71,"_uid":2564,"icon":2565,"link":2566,"type":71,"label":2570,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"8ce65fa2-298d-48d3-813f-ad303b474ba9",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"filename":71,"copyright":26,"fieldtype":76},{"id":2567,"url":71,"linktype":166,"fieldtype":81,"cached_url":2568,"story":2569},"79cf9763-fbf7-44fc-b713-7375d45cc602","legals/privacy",{"name":2570,"id":2571,"uuid":2567,"slug":2572,"url":2568,"full_slug":2568,"_stopResolving":42},"Privacy Policy",126276104,"privacy",{"tag":71,"_uid":2574,"icon":2575,"link":2576,"type":71,"label":2580,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"4102590b-cbea-46dc-a189-9d8f7a6b918d",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"filename":71,"copyright":26,"fieldtype":76},{"id":2577,"url":71,"linktype":166,"fieldtype":81,"cached_url":2578,"story":2579},"48c66e1a-a010-45ab-824d-e2fe67bdc73b","legals/cookies-policy",{"name":2580,"id":2581,"uuid":2577,"slug":2582,"url":2578,"full_slug":2578,"_stopResolving":42},"Cookies Policy",156606099,"cookies-policy",{"tag":71,"_uid":2584,"icon":2585,"link":2586,"type":71,"label":2588,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"a04b6ac0-49a7-4255-8df7-25607c934f2b",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"filename":71,"copyright":26,"fieldtype":76},{"id":71,"url":2587,"linktype":80,"fieldtype":81,"cached_url":2587},"https://helpcenter.spendesk.com/en/articles/4168878-our-legal-notice","Legal Notice",{"tag":71,"_uid":2590,"hide":29,"icon":2591,"link":2592,"type":71,"label":2594,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"13ba1af3-98e6-4327-9fd1-0d23d1d77f28",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"filename":71,"copyright":26,"fieldtype":76},{"id":71,"url":2593,"linktype":80,"fieldtype":81,"cached_url":2593},"openConsentManager.action","Cookie Settings",[2596,2601,2606,2611,2616],{"tag":71,"_uid":2597,"icon":2598,"link":2600,"type":71,"label":71,"style":82,"component":83,"onClickEvent":71,"openInANewTab":42},"b8ae0710-0ec7-4295-a29f-077356785735",{"id":2131,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2132,"copyright":71,"fieldtype":76,"meta_data":2599,"is_external_url":29},{},{"id":71,"url":2135,"linktype":80,"fieldtype":81,"cached_url":2135},{"tag":71,"_uid":2602,"icon":2603,"link":2605,"type":71,"label":71,"style":82,"component":83,"onClickEvent":71,"openInANewTab":42},"ba7893c6-6da5-49f9-860d-c9a859f7d1c7",{"id":2139,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2140,"copyright":71,"fieldtype":76,"meta_data":2604,"is_private":29,"is_external_url":29},{},{"id":71,"url":2143,"linktype":80,"fieldtype":81,"cached_url":2143},{"tag":71,"_uid":2607,"icon":2608,"link":2610,"type":71,"label":71,"style":82,"component":83,"onClickEvent":71,"openInANewTab":42},"acea7ba4-1c98-4646-8648-cc6c8283efb6",{"id":2147,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2148,"copyright":71,"fieldtype":76,"meta_data":2609,"is_private":29,"is_external_url":29},{},{"id":71,"url":2151,"linktype":80,"fieldtype":81,"cached_url":2151},{"tag":71,"_uid":2612,"icon":2613,"link":2615,"type":71,"label":71,"style":82,"component":83,"onClickEvent":71,"openInANewTab":42},"c9f2572b-c12f-49af-bef8-18e30f455bec",{"id":2155,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2156,"copyright":71,"fieldtype":76,"meta_data":2614,"is_private":29,"is_external_url":29},{},{"id":71,"url":2159,"linktype":80,"fieldtype":81,"cached_url":2159},{"tag":71,"_uid":2617,"hide":29,"icon":2618,"link":2620,"type":71,"label":71,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":42,"horizontalFill":29},"17d82410-d4b0-45ca-b555-6942ae3c15a2",{"id":2163,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2164,"copyright":71,"fieldtype":76,"meta_data":2619,"is_private":29,"is_external_url":29},{},{"id":71,"url":2167,"linktype":80,"fieldtype":81,"cached_url":2167},[2622],{"_uid":2623,"fields":2624,"component":2654,"submitUrl":2655,"hubspotFormId":2656,"successMessage":2657,"horizontalAlign":71,"onSubmitSegmentEvent":2658},"b2ae7250-4af9-4eb3-be82-7d6f594a0049",[2625],{"_uid":2626,"name":2627,"type":101,"label":2628,"required":42,"component":2629,"submitBtn":2630,"legalNotice":2631,"placeholder":71,"validateEmail":42,"blockPersonalEmailAddresses":29},"96a2a670-a75c-4d4e-bd95-a8907909d223","email","Your email address","textField","Subscribe",{"type":92,"content":2632},[2633],{"type":95,"content":2634},[2635,2637,2645,2647,2653],{"text":2636,"type":101},"By submitting this form, you agree to be contacted by Spendesk - in accordance with Spendesk's ",{"text":2638,"type":101,"marks":2639},"Terms of Use",[2640],{"type":161,"attrs":2641},{"href":2642,"uuid":2555,"anchor":26,"custom":2643,"target":323,"linktype":166,"story":2644},"/legals/terms","[object Object]",{"name":2558,"id":2559,"uuid":2555,"slug":2560,"url":2561,"full_slug":2561,"_stopResolving":42},{"text":2646,"type":101}," and ",{"text":2570,"type":101,"marks":2648},[2649],{"type":161,"attrs":2650},{"href":2651,"uuid":2567,"anchor":26,"custom":2643,"target":323,"linktype":166,"story":2652},"/legals/privacy",{"name":2570,"id":2571,"uuid":2567,"slug":2572,"url":2568,"full_slug":2568,"_stopResolving":42},{"text":1492,"type":101},"formGroup",{"id":71,"url":71,"linktype":166,"fieldtype":81,"cached_url":71},"8b1b128b-c02a-41d9-a512-63e778c062c6","Success","website:footer:blog_newsletter:form_completed",[2660],{"tag":71,"_uid":2661,"hide":29,"icon":2662,"link":2666,"type":71,"label":71,"style":82,"component":83,"mobileLabel":71,"onClickEvent":71,"openInANewTab":29,"horizontalFill":29},"60403492-9eb8-4b6c-95a2-ec45ca7b13ee",{"id":2663,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2664,"copyright":71,"fieldtype":76,"meta_data":2665,"is_external_url":29},15634686,"https://a.storyblok.com/f/146026/69x22/4d9cde3045/visa.svg",{},{"id":71,"url":2667,"linktype":80,"fieldtype":81,"cached_url":2667},"https://helpcenter.spendesk.com/en/articles/8850615-before-after-what-s-changed-regarding-spendesk-your-visa-business-premium-cards","Never miss an update",{"type":92,"content":2670},[2671],{"type":95,"content":2672},[2673],{"text":2674,"type":101},"Empower your team with the complete spend management solution","Subscribe to receive the freshest subscription resources from Spendesk.",{"type":92,"content":2677},[2678,2682,2686],{"type":95,"content":2679},[2680],{"text":2681,"type":101},"Payments services are provided as part of the Spendesk product by Spendesk Financial Services in the EEA, by Adyen in the UK and by Sutton Bank in the US.",{"type":95,"content":2683},[2684],{"text":2685,"type":101},"Spendesk Financial Services is a French payment institution licensed by the ACPR under number 17518. Adyen N.V. is a Dutch bank, whose UK branch is licensed by the FCA to provide payment services under number 779800. Sutton Bank is an FDIC insured member institution.",{"type":95,"content":2687},[2688],{"text":2689,"type":101},"Visa debit cards are issued by Spendesk Financial Services in the EEA, by Adyen in the UK and by Sutton Bank in the US, pursuant to a license from Visa.","global-components/footer",-10,[],"8637d535-2095-4870-baed-1138fa7e786e","2022-03-24T16:23:19.302Z",[],[2697,2698,2699],{"path":2690,"name":26,"lang":37,"published":26},{"path":2690,"name":26,"lang":39,"published":26},{"path":2690,"name":26,"lang":41,"published":26},{"name":2701,"created_at":2702,"published_at":2703,"updated_at":2704,"id":2705,"uuid":2706,"content":2707,"slug":2845,"full_slug":2846,"sort_by_date":26,"position":2847,"tag_list":2848,"is_startpage":29,"parent_id":2241,"meta_data":26,"group_id":2849,"first_published_at":2850,"release_id":26,"lang":33,"path":26,"alternates":2851,"default_full_slug":2846,"translated_slugs":2852},"Common Content","2022-06-07T08:36:57.529Z","2026-07-30T07:13:39.925Z","2026-09-01T10:09:40.312Z",146453805,"fdf08e93-c532-4aac-bc09-a68c69394432",{"_uid":2708,"modalBtn":2709,"component":2710,"modalTitle":2711,"countdownDay":2712,"modalContent":2713,"modalSuccess":2725,"countdownHour":2726,"hubspotFormId":2727,"countdownLabel":2728,"formErrorTitle":2729,"countdownMinute":2730,"countdownSecond":2731,"formErrorButton":2732,"selectNoOptions":2733,"formErrorSubtitle":2734,"blogAuthorResources":2735,"modalEmailPlaceholder":2736,"emailValidationInvalid":2737,"imageItemsListNoResult":2738,"phoneValidationInvalid":2739,"blogLoadMoreButtonLabel":2740,"blogArticleUpdatedAtLabel":2741,"blogArticleWatchTimeLabel":2742,"modalExistingAccountTitle":2743,"modalExistingCompanyTitle":2744,"modalForExistingCustomers":2745,"organizationSchemaOffices":2752,"blogArticleListenTimeLabel":2742,"cardsGridSearchPlaceholder":2805,"blogArticlePublishedOnLabel":2806,"blogArticleReadingTimeLabel":2742,"emailValidationInvalidExist":2807,"modalForUnsupportedCountries":2808,"emailValidationInvalidInvited":2814,"organizationSchemaDescription":2815,"organizationSchemaContactEmail":2816,"modalExistingAccountDescription":2817,"modalExistingCompanyDescription":2833,"emailValidationInvalidDomainName":2839,"multiSelectDropdownSelectedLabel":2840,"softwareApplicationSchemaRatingCount":2841,"softwareApplicationSchemaRatingValue":2842,"emailValidationInvalidUnexpectedError":2843,"emailValidationInvalidCompanyRegistered":2844},"c86a540c-0da7-40e9-a9a5-5053e71081de","Submit","commonContent","Spendesk is not available in your country yet","Days",{"type":92,"content":2714},[2715,2720],{"type":95,"attrs":2716,"content":2717},{"textAlign":26},[2718],{"text":2719,"type":101},"It looks like you’re in a country we don’t currently serve. However, if you have a business in the European Economic Area or the United Kingdom, we can work with you, and you can book a demo.",{"type":95,"attrs":2721,"content":2722},{"textAlign":26},[2723],{"text":2724,"type":101},"Otherwise, enter your email below, and we’ll let you know when we can help in your country.","Thanks for submitting the form","Hours","b095740c-b878-41dd-9a7b-f393d2e4de30","Events starts in","Oops, something went wrong…","Minutes","Seconds","Try again","No Options Here!","An error occurred while submitting the form. Make sure to disable your browser’s ad blockers, and try again.","{firstName}'s resources","Work email address","Invalid email address","No results","Invalid phone number","Load more","Updated on","min","You already have a Spendesk account","Your company already has a Spendesk account",{"type":92,"content":2746},[2747,2751],{"type":95,"content":2748},[2749],{"text":2750,"type":101},"It looks like your company already has a Spendesk account. Please request access from your finance team.",{"type":95},[2753,2769,2781,2793],{"cta":2754,"_uid":2761,"image":2762,"title":2766,"subtitle":2767,"component":2768},[2755],{"tag":71,"_uid":2756,"icon":2757,"link":2758,"type":71,"label":2760,"style":82,"component":83,"onClickEvent":71,"openInANewTab":42},"27667f76-0f06-4f10-9e17-a5fb46eb51eb",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"filename":71,"copyright":26,"fieldtype":76},{"id":71,"url":2759,"linktype":80,"fieldtype":81,"cached_url":2759},"https://www.google.com/maps/place/Spendesk/@48.878282,2.3229527,17z/data=!3m1!4b1!4m5!3m4!1s0x47e66dde28328977:0xc584517ccc2c3038!8m2!3d48.8782785!4d2.3251414","Map","ae40634e-f543-4194-ad8b-b80fb446e253",{"id":2763,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2764,"copyright":71,"fieldtype":76,"meta_data":2765,"is_external_url":29},16726400,"https://a.storyblok.com/f/146026/32x32/991bcc40dc/icon-location-32px-bright-purple-filled.svg",{},"Paris, FR","7 Rue de Madrid, 75008","officeLocationsItem",{"cta":2770,"_uid":2776,"image":2777,"title":2779,"subtitle":2780,"component":2768},[2771],{"tag":71,"_uid":2772,"icon":2773,"link":2774,"type":71,"label":2760,"style":82,"component":83,"onClickEvent":71,"openInANewTab":42},"b4c061b1-4c53-40fe-88e9-786150dc1f48",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"filename":71,"copyright":26,"fieldtype":76},{"id":71,"url":2775,"linktype":80,"fieldtype":81,"cached_url":2775},"https://maps.app.goo.gl/9pFn7ohL5zdGnC3H6","41ed7761-debf-40b7-bd75-e2389bfb20dc",{"id":2763,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2764,"copyright":71,"fieldtype":76,"meta_data":2778,"is_external_url":29},{},"London, GB","168 Old Street, EC1V 9BP",{"cta":2782,"_uid":2788,"image":2789,"title":2791,"subtitle":2792,"component":2768},[2783],{"tag":71,"_uid":2784,"icon":2785,"link":2786,"type":71,"label":2760,"style":82,"component":83,"onClickEvent":71,"openInANewTab":42},"38c45a5f-f897-4567-9b07-94da07c069c6",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"filename":71,"copyright":26,"fieldtype":76},{"id":71,"url":2787,"linktype":80,"fieldtype":81,"cached_url":2787},"https://maps.app.goo.gl/1sRofgrfatSwRecbA","b69cb15c-bf2d-4d26-9514-1b4301fa22f0",{"id":2763,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2764,"copyright":71,"fieldtype":76,"meta_data":2790,"is_external_url":29},{},"Berlin, DE","Warschauer Pl. 11-13, 10245",{"cta":2794,"_uid":2800,"image":2801,"title":2803,"subtitle":2804,"component":2768},[2795],{"tag":71,"_uid":2796,"icon":2797,"link":2798,"type":71,"label":2760,"style":82,"component":83,"onClickEvent":71,"openInANewTab":42},"e45749e6-59bb-4c57-a078-bd965da09b48",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"filename":71,"copyright":26,"fieldtype":76},{"id":71,"url":2799,"linktype":80,"fieldtype":81,"cached_url":2799},"https://www.google.fr/maps/place/P.%C2%BA+de+la+Castellana,+194,+28046+Madrid,+Espagne/@40.461669,-3.6916388,17z/data=!3m1!4b1!4m6!3m5!1s0xd42291a4a992797:0x841e7e5325bcf405!8m2!3d40.461669!4d-3.6890639!16s%2Fg%2F11c1_kdlzk?entry=ttu","acb64cc8-ddee-4be7-814c-25ce7afba6e5",{"id":2763,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2764,"copyright":71,"fieldtype":76,"meta_data":2802,"is_external_url":29},{},"Barcelona, ES","Carrer de Rera Palau, 11, Planta 5, Ciutat Vella, 08003","Type here","Published on","Sorry, it looks like you already have a Spendesk account.",{"type":92,"content":2809},[2810],{"type":95,"content":2811},[2812],{"text":2813,"type":101},"It looks like you're in a country we don't currently serve. Enter your email below and we'll let you know when we can help.","It looks like you have already been invited to Spendesk. Please check your emails or ask your admin to resend the invitation.","Spendesk is an all-in-one spend management and procurement platform that helps businesses manage corporate cards, invoice payments, subscriptions and company spend in real time.","support@spendesk.com",{"type":92,"content":2818},[2819,2823,2832],{"type":95,"content":2820},[2821],{"text":2822,"type":101},"There is already a Spendesk account associated with this email address. Click the link below to log in.",{"type":220,"attrs":2824},{"id":2825,"body":2826},"2f29aeb2-e646-4f49-90e1-6deabd2d7c33",[2827],{"tag":71,"_uid":2828,"icon":71,"link":2829,"type":2831,"label":2071,"style":82,"component":83,"onClickEvent":71,"openInANewTab":29,"horizontalFill":42},"i-54f06f4e-0b0e-4959-a534-078d044f5515",{"id":71,"url":2830,"linktype":80,"cached_url":2830},"https://app.spendesk.com/auth/login","btn",{"type":95},{"type":92,"content":2834},[2835,2838],{"type":95,"content":2836},[2837],{"text":2750,"type":101},{"type":95},"This looks like your personal email. Please enter your professional email address.","selected","412","4.6","Sorry, an unexpected error happened. Please retry later or contact support for help.","This company is already registered. Please contact your admin.","commoncontent","global-components/commoncontent",-30,[],"426c6c03-a0cf-4332-9288-22e88c385143","2022-06-07T09:23:48.804Z",[],[2853,2854,2855],{"path":2846,"name":26,"lang":37,"published":26},{"path":2846,"name":26,"lang":39,"published":26},{"path":2846,"name":26,"lang":41,"published":26},[2857,2861,2865,2869,2873,2877,2881,2885,2889],{"id":2858,"name":2859,"value":2860,"dimension_value":26},10736153,"Amplitude (Actions)","Sk9kb5VoOi-7",{"id":2862,"name":2863,"value":2864,"dimension_value":26},10736154,"Google Analytics 4 Web","HkocEodjb7",{"id":2866,"name":2867,"value":2868,"dimension_value":26},10736155,"Intercom","ryDQcVoOoZQ",{"id":2870,"name":2871,"value":2872,"dimension_value":26},10736156,"HubSpot","ry0QcNodoWQ",{"id":2874,"name":2875,"value":2876,"dimension_value":26},10736157,"Facebook Pixel","ko1w5PpFl",{"id":2878,"name":2879,"value":2880,"dimension_value":26},10736159,"Facebook Conversions API (Actions)","hMRPcifE3",{"id":2882,"name":2883,"value":2884,"dimension_value":26},10736765,"Bing Ads","dsS7z9Hv4",{"id":2886,"name":2887,"value":2888,"dimension_value":26},10736882,"LinkedIn Insight Tag","JQ2XQxIk",{"id":2890,"name":2891,"value":2892,"dimension_value":26},190238565984863,"StackAdapt","HJ5nxcEiOjZm",{"_uid":2894,"component":2895,"sidebarCta":2896,"exitModalPopup":2936,"newsletterForm":2937,"newsletterTitle":2962,"bottomArticleCta":2963,"moreArticlesLabel":2992,"breadcrumbBlogLink":2993,"newsletterSubtitle":2995,"breadcrumbBlogLabel":1862,"breadcrumbArticleLabel":1573,"hiddenNewsletterOnTopics":2996,"componentsAfterTheArticle":2999,"moreArticlesLabelFallback":3155,"sidebarTableOfContentsLabel":3156},"55aaa7a8-90eb-4bfc-82d2-fac89f2d77fb","blogArticleGlobal",[2897],{"cta":2898,"_uid":2906,"image":2907,"title":2911,"subtitle":2934,"component":2935},[2899],{"tag":71,"_uid":2900,"hide":29,"icon":2901,"link":2903,"type":71,"label":2189,"style":82,"component":83,"mobileLabel":71,"onClickEvent":2905,"openInANewTab":29,"horizontalFill":29},"1044c89e-408a-4543-acbd-f3b05e79fc22",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2902},{},{"id":2183,"url":71,"linktype":166,"fieldtype":81,"cached_url":2184,"story":2904},{"name":2186,"id":2187,"uuid":2183,"slug":2188,"url":2184,"full_slug":2184,"_stopResolving":42},"website:blog_sidebar_button:clicked","f7a8e7d9-9cbe-43aa-8797-3cff6be1ffc2",{"id":2908,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":2909,"copyright":71,"fieldtype":76,"meta_data":2910,"is_external_url":29},141863894965290,"https://a.storyblok.com/f/146026/2471x1843/baa22902e7/image-spendesk-product-1-cropped.png",{},{"type":92,"content":2912},[2913],{"type":95,"attrs":2914,"content":2915},{"textAlign":26,"key":97},[2916,2925,2927],{"text":2917,"type":101,"marks":2918},"Spend smarter. ",[2919,2921],{"type":145,"attrs":2920},{"color":71},{"type":2922,"attrs":2923},"styled",{"class":2924},"text-item-heading text-item-heading-md",{"type":2926},"hard_break",{"text":2928,"type":101,"marks":2929},"Work better.",[2930,2932],{"type":145,"attrs":2931},{"color":71},{"type":2922,"attrs":2933},{"class":2924},"Bring cards, invoices and expenses into one controlled flow, so you get real-time visibility and a faster close.","ctaBlock",[],[2938],{"_uid":2939,"fields":2940,"component":2654,"submitUrl":2960,"hubspotFormId":2656,"successMessage":2657,"horizontalAlign":71,"onSubmitSegmentEvent":2961},"631b3bd4-d4d7-468c-a4b2-8dbe164362b8",[2941],{"_uid":2942,"name":2627,"type":101,"label":2628,"required":42,"component":2629,"submitBtn":2630,"legalNotice":2943,"placeholder":71,"validateEmail":42,"blockPersonalEmailAddresses":29},"cc924123-e126-4829-a72a-43fcf863a045",{"type":92,"content":2944},[2945],{"type":95,"content":2946},[2947,2948,2953,2954,2959],{"text":2636,"type":101},{"text":2638,"type":101,"marks":2949},[2950],{"type":161,"attrs":2951},{"href":2642,"uuid":2555,"anchor":26,"custom":2643,"target":323,"linktype":166,"story":2952},{"name":2558,"id":2559,"uuid":2555,"slug":2560,"url":2561,"full_slug":2561,"_stopResolving":42},{"text":2646,"type":101},{"text":2570,"type":101,"marks":2955},[2956],{"type":161,"attrs":2957},{"href":2651,"uuid":2567,"anchor":26,"custom":2643,"target":323,"linktype":166,"story":2958},{"name":2570,"id":2571,"uuid":2567,"slug":2572,"url":2568,"full_slug":2568,"_stopResolving":42},{"text":1492,"type":101},{"id":71,"url":71,"linktype":166,"fieldtype":81,"cached_url":71},"website:article:blog_newsletter:form_completed","Enjoying what you're reading?",[2964],{"cta":2965,"_uid":2978,"image":2979,"title":2981,"subtitle":2991,"component":2935},[2966],{"tag":71,"_uid":2967,"hide":29,"icon":2968,"link":2970,"type":71,"label":2976,"style":82,"component":83,"mobileLabel":71,"onClickEvent":2977,"openInANewTab":29,"horizontalFill":29},"9cd3ad49-6a07-48f7-9aa3-34022fabf2d5",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"source":26,"filename":71,"copyright":26,"fieldtype":76,"meta_data":2969},{},{"id":2971,"url":71,"linktype":166,"fieldtype":81,"cached_url":2972,"story":2973},"0e21aea9-1207-42a1-93a5-48a5a547b5d4","platform-tour",{"name":2974,"id":2975,"uuid":2971,"slug":2972,"url":2972,"full_slug":2972,"_stopResolving":42},"Platform tour",413550505,"Get a free tour","website:blog_bottom_cta_block:clicked","ebce360c-a91d-46ab-8653-18bd86bb08be",{"id":26,"alt":26,"name":71,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":76,"meta_data":2980,"is_external_url":29},{},{"type":92,"content":2982},[2983],{"type":95,"attrs":2984,"content":2985},{"textAlign":26,"key":97},[2986],{"text":2987,"type":101,"marks":2988},"Curious how Spendesk works?",[2989],{"type":2922,"attrs":2990},{"class":2924},"Try an interactive demo to see spend control and approvals end-to-end.","More reads on",{"id":1856,"url":71,"linktype":166,"fieldtype":81,"cached_url":1857,"story":2994},{"name":1859,"id":1860,"uuid":1856,"slug":1861,"url":1857,"full_slug":1857,"_stopResolving":42},"We publish new articles like this every week. Subscribe to our newsletter to stay informed.",[2997,2998],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[3000],{"cta":3001,"_uid":3002,"items":3003,"heading":3132,"reverse":29,"component":3153,"sectionSettings":3154},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[3004,3075],{"_uid":3005,"title":3006,"component":3007,"description":3008},"dfc0accd-ab64-464a-8597-b76754748f04","What is spend management?","faqItem",{"type":92,"content":3009},[3010,3014],{"type":95,"content":3011},[3012],{"text":3013,"type":101},"Business spending includes different types of spend:",{"type":3015,"attrs":3016,"content":3019},"ordered_list",{"order":3017},{"order":3018},1,[3020,3032,3043],{"type":3021,"content":3022},"list_item",[3023],{"type":95,"content":3024},[3025,3029,3031],{"text":3026,"type":101,"marks":3027},"Strategic",[3028],{"type":2206},{"text":3030,"type":101}," spend is usually centralized and managed by C-level executives with dedicated spenders. It can be managed through invoices, wire transfers and purchase orders.",{"type":2926},{"type":3021,"content":3033},[3034],{"type":95,"content":3035},[3036,3040,3042],{"text":3037,"type":101,"marks":3038},"Discretionary and operational spend",[3039],{"type":2206},{"text":3041,"type":101}," is also centralized, but spending is done by managers and employees during their daily professional lives. It includes card purchases, subscription payments, digital ads, events, office orders, and business travel.",{"type":2926},{"type":3021,"content":3044},[3045],{"type":95,"content":3046},[3047,3051,3053,3054,3055,3057,3061,3063,3064,3065,3067,3068,3069,3071,3072,3073],{"text":3048,"type":101,"marks":3049},"Expenses",[3050],{"type":2206},{"text":3052,"type":101},", unlike strategic spend, represent a significant amount of small purchases that can be difficult to track. These include card payments, expense claims, team perks, and travel expenses.",{"type":2926},{"type":2926},{"text":3056,"type":101},"Spend management is ",{"text":3058,"type":101,"marks":3059},"the process through which companies manage business spending",[3060],{"type":2206},{"text":3062,"type":101},". It takes into account the end-to-end process when someone needs to spend: getting purchase approvals, providing payment methods, submitting and processing invoices, submitting and reimbursing expense claims, chasing receipts and invoices for reconciliation, and assigning the right analytical codes, expense accounts, and VAT rates to all those expenses for bookkeeping.",{"type":2926},{"type":2926},{"text":3066,"type":101},"Spend management tools become necessary when the number of employees increases and the need for clear processes, better visibility and control starts to grow for finance teams.",{"type":2926},{"type":2926},{"text":3070,"type":101},"Employees need flexible, user-friendly tools, in order to spend easily and be empowered to do their job.",{"type":2926},{"type":2926},{"text":3074,"type":101},"That’s when Spendesk can be a good fit.",{"_uid":3076,"title":3077,"component":3007,"description":3078},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","How does Spendesk work?",{"type":92,"content":3079},[3080],{"type":95,"content":3081},[3082,3084,3085,3086,3090,3091,3093,3094,3095,3097,3098,3099,3103,3104,3106,3107,3108,3110,3111,3112,3114,3118,3120,3121,3122,3124,3125,3126,3128,3129,3130],{"text":3083,"type":101},"Spendesk provides payment methods for modern businesses, and a powerful platform for finance teams to manage spending. This includes debit cards to replace old-fashioned company credit cards, virtual cards for online purchases, and automated expense reports for unexpected payments.",{"type":2926},{"type":2926},{"text":3087,"type":101,"marks":3088},"For employees",[3089],{"type":2206},{"type":2926},{"text":3092,"type":101},"Employees no longer need to spend out-of-pocket. They request funds for a particular purchase, and can use their Spendesk card or virtual card to execute the payment.",{"type":2926},{"type":2926},{"text":3096,"type":101},"If for any reason the employee can’t use their Spendesk card, they snap a picture of the receipt via the Spendesk mobile app and create an expense claim on the spot. This is sent directly to their manager for validation, and on to the finance team.",{"type":2926},{"type":2926},{"text":3100,"type":101,"marks":3101},"For finance teams",[3102],{"type":2206},{"type":2926},{"text":3105,"type":101},"Each employee has their own Spendesk profile and debit expense card. So unlike the company credit card, you always know who’s spending company money.",{"type":2926},{"type":2926},{"text":3109,"type":101},"The platform lets controllers create spending limits and pre-approvals. C-Level executives or managers will have a different level of pre-approved spend from other staff. Should a team member need to go over their pre-approved budget, they can make a request to their manager via the mobile app or the platform online.",{"type":2926},{"type":2926},{"text":3113,"type":101},"When an expense is made with a Spendesk card, ",{"text":3115,"type":101,"marks":3116},"the employee simply snaps a picture of the receipt",[3117],{"type":2206},{"text":3119,"type":101}," at the time of purchase. Which means no more lost receipts.",{"type":2926},{"type":2926},{"text":3123,"type":101},"Finance teams can see real-time company spend and follow up on missing receipts or invoices by sending reminders to employees via the platform.",{"type":2926},{"type":2926},{"text":3127,"type":101},"Reviewing expenses is also easier as finance teams can group expenses and assign them the right VAT rates and expense accounts before exporting everything easily to their accounting tools.",{"type":2926},{"type":2926},{"text":3131,"type":101},"Spendesk streamlines the whole business spending process, making spend management intuitive, simple and efficient.",[3133],{"cta":3134,"_uid":3135,"title":3136,"eyebrow":3143,"subtitle":3146,"component":183,"textAlign":71,"sectionSettings":3152,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":71},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":92,"content":3137},[3138],{"type":183,"attrs":3139,"content":3140},{"level":185},[3141],{"text":3142,"type":101},"Get started with Spendesk",{"type":92,"content":3144},[3145],{"type":95},{"type":92,"content":3147},[3148],{"type":95,"content":3149},[3150],{"text":3151,"type":101},"Close the books 4x faster, collect over 95% of receipts on time, and get 100% visibility over company spending.",[],"faqSection",[],"More reads","Table of Contents",[3158,3192,3244,3313,3383,3528,3587,3655,3714,3773,3832,3891,3943,3995,4053],{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":3159,"slug":1610,"full_slug":1611,"sort_by_date":1612,"position":1613,"tag_list":3186,"is_startpage":29,"parent_id":1615,"meta_data":26,"group_id":1616,"first_published_at":6,"release_id":26,"lang":33,"path":26,"alternates":3187,"default_full_slug":1611,"translated_slugs":3188},{"_uid":11,"title":4,"topics":3160,"noIndex":29,"category":3169,"language":3178,"component":1585,"heroMedia":3179,"publishedAt":1599,"redirectUrl":71,"listingImage":3180,"metaDescription":1607,"bottomArticleCta":3184,"componentsAfterTheArticle":3185},[3161],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3162,"slug":123,"full_slug":124,"sort_by_date":26,"position":125,"tag_list":3163,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":128,"first_published_at":129,"release_id":26,"lang":33,"path":26,"alternates":3164,"default_full_slug":124,"translated_slugs":3165,"_stopResolving":42},{"_uid":122,"name":116,"component":23},[],[],[3166,3167,3168],{"path":124,"name":26,"lang":37,"published":26},{"path":124,"name":26,"lang":39,"published":26},{"path":124,"name":26,"lang":41,"published":26},{"name":1573,"created_at":1574,"published_at":16,"updated_at":1575,"id":1576,"uuid":1577,"content":3170,"slug":1585,"full_slug":1586,"sort_by_date":26,"position":27,"tag_list":3172,"is_startpage":29,"parent_id":1588,"meta_data":26,"group_id":1589,"first_published_at":1590,"release_id":26,"lang":33,"path":26,"alternates":3173,"default_full_slug":1586,"translated_slugs":3174,"_stopResolving":42},{"_uid":1579,"icon":3171,"name":1573,"component":1584},{"id":1581,"alt":1582,"name":71,"focus":71,"title":71,"filename":1583,"copyright":71,"fieldtype":76,"is_external_url":29},[],[],[3175,3176,3177],{"path":1586,"name":26,"lang":37,"published":26},{"path":1586,"name":26,"lang":39,"published":26},{"path":1586,"name":26,"lang":41,"published":26},[33],[],[3181],{"_uid":1602,"asset":3182,"caption":71,"component":578},{"id":1604,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":1605,"copyright":71,"fieldtype":76,"meta_data":3183,"is_external_url":29},{},[],[],[],[],[3189,3190,3191],{"path":1611,"name":26,"lang":37,"published":26},{"path":1611,"name":26,"lang":39,"published":26},{"path":1611,"name":26,"lang":41,"published":26},{"name":3193,"created_at":3194,"published_at":3195,"updated_at":3196,"id":3197,"uuid":3198,"content":3199,"slug":3233,"full_slug":3234,"sort_by_date":26,"position":3235,"tag_list":3236,"is_startpage":29,"parent_id":1615,"meta_data":26,"group_id":3237,"first_published_at":3238,"release_id":26,"lang":33,"path":26,"alternates":3239,"default_full_slug":3234,"translated_slugs":3240},"The Complete Month-End Close Guide","2026-08-21T10:38:22.246Z","2026-08-24T14:37:16.070Z","2026-08-24T14:37:16.091Z",211431842836746,"7491ae18-c39d-42cd-9432-d2d0325ad844",{"_uid":3200,"title":3193,"topics":3201,"noIndex":29,"category":3210,"language":3219,"component":1585,"heroMedia":3220,"publishedAt":3221,"redirectUrl":71,"listingImage":3222,"metaDescription":3230,"bottomArticleCta":3231,"componentsAfterTheArticle":3232},"79032808-dd5f-4a75-8f1d-4a0d31f3bd3a",[3202],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3203,"slug":123,"full_slug":124,"sort_by_date":26,"position":125,"tag_list":3204,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":128,"first_published_at":129,"release_id":26,"lang":33,"path":26,"alternates":3205,"default_full_slug":124,"translated_slugs":3206,"_stopResolving":42},{"_uid":122,"name":116,"component":23},[],[],[3207,3208,3209],{"path":124,"name":26,"lang":37,"published":26},{"path":124,"name":26,"lang":39,"published":26},{"path":124,"name":26,"lang":41,"published":26},{"name":1573,"created_at":1574,"published_at":16,"updated_at":1575,"id":1576,"uuid":1577,"content":3211,"slug":1585,"full_slug":1586,"sort_by_date":26,"position":27,"tag_list":3213,"is_startpage":29,"parent_id":1588,"meta_data":26,"group_id":1589,"first_published_at":1590,"release_id":26,"lang":33,"path":26,"alternates":3214,"default_full_slug":1586,"translated_slugs":3215,"_stopResolving":42},{"_uid":1579,"icon":3212,"name":1573,"component":1584},{"id":1581,"alt":1582,"name":71,"focus":71,"title":71,"filename":1583,"copyright":71,"fieldtype":76,"is_external_url":29},[],[],[3216,3217,3218],{"path":1586,"name":26,"lang":37,"published":26},{"path":1586,"name":26,"lang":39,"published":26},{"path":1586,"name":26,"lang":41,"published":26},[33],[],"2026-08-21 00:00",[3223],{"_uid":3224,"asset":3225,"caption":71,"component":578},"401b4fa2-b938-49da-88dd-ca3104741c82",{"id":3226,"alt":3227,"name":71,"focus":71,"title":71,"source":71,"filename":3228,"copyright":71,"fieldtype":76,"meta_data":3229,"is_external_url":29},211498482953922,"An abstract desk calendar with distorted pages, showcasing geometric lines and a grid pattern in shades of purple.","https://a.storyblok.com/f/146026/2400x1792/73436f25ea/month-end-close-checklist-spendesk.jpg",{"alt":3227,"title":71,"source":71,"copyright":71},"Learn how to complete a faster, more accurate month-end close with a practical checklist from Spendesk. ",[],[],"month-end-close-guide","blog/month-end-close-guide",-2660,[],"f46da72d-7895-4b67-b8f7-ad8d6ac5f670","2026-08-24T14:36:27.193Z",[],[3241,3242,3243],{"path":3234,"name":26,"lang":37,"published":26},{"path":3234,"name":26,"lang":39,"published":26},{"path":3234,"name":26,"lang":41,"published":26},{"name":3245,"created_at":3246,"published_at":3247,"updated_at":3248,"id":3249,"uuid":3250,"content":3251,"slug":3303,"full_slug":3304,"sort_by_date":26,"position":3305,"tag_list":3306,"is_startpage":29,"parent_id":1615,"meta_data":26,"group_id":3307,"first_published_at":3247,"release_id":26,"lang":33,"path":26,"alternates":3308,"default_full_slug":3304,"translated_slugs":3309},"5 corporate tax planning strategies most mid-market businesses overlook","2026-06-21T16:14:33.102Z","2026-06-30T07:50:31.485Z","2026-06-30T07:50:31.506Z",189926904285498,"c0cab1cc-2267-4794-a24f-158bb79588c6",{"_uid":3252,"title":3245,"topics":3253,"noIndex":29,"category":3281,"language":3290,"component":1585,"heroMedia":3291,"publishedAt":3298,"redirectUrl":71,"listingImage":3299,"metaDescription":3300,"bottomArticleCta":3301,"componentsAfterTheArticle":3302},"07005ae4-99b0-4b2f-b249-62433cf1f0c0",[3254,3262],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3255,"slug":123,"full_slug":124,"sort_by_date":26,"position":125,"tag_list":3256,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":128,"first_published_at":129,"release_id":26,"lang":33,"path":26,"alternates":3257,"default_full_slug":124,"translated_slugs":3258,"_stopResolving":42},{"_uid":122,"name":116,"component":23},[],[],[3259,3260,3261],{"path":124,"name":26,"lang":37,"published":26},{"path":124,"name":26,"lang":39,"published":26},{"path":124,"name":26,"lang":41,"published":26},{"name":3263,"created_at":3264,"published_at":16,"updated_at":3265,"id":3266,"uuid":3267,"content":3268,"slug":3270,"full_slug":3271,"sort_by_date":26,"position":3272,"tag_list":3273,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":3274,"first_published_at":3275,"release_id":26,"lang":33,"path":26,"alternates":3276,"default_full_slug":3271,"translated_slugs":3277,"_stopResolving":42},"Fintech","2022-10-19T17:57:50.533Z","2026-03-12T10:47:22.809Z",206171404,"94ef2b79-ef39-4ddb-ba77-abaff9b051ed",{"_uid":3269,"name":3263,"component":23},"16e6840d-5cff-46db-b4ee-e63ad7b07a55","fintech","blog/topic/fintech",-80,[],"a49fb63a-e971-415c-bf8b-ef68db8b0ae4","2022-11-02T15:24:54.822Z",[],[3278,3279,3280],{"path":3271,"name":26,"lang":37,"published":26},{"path":3271,"name":26,"lang":39,"published":26},{"path":3271,"name":26,"lang":41,"published":26},{"name":1573,"created_at":1574,"published_at":16,"updated_at":1575,"id":1576,"uuid":1577,"content":3282,"slug":1585,"full_slug":1586,"sort_by_date":26,"position":27,"tag_list":3284,"is_startpage":29,"parent_id":1588,"meta_data":26,"group_id":1589,"first_published_at":1590,"release_id":26,"lang":33,"path":26,"alternates":3285,"default_full_slug":1586,"translated_slugs":3286,"_stopResolving":42},{"_uid":1579,"icon":3283,"name":1573,"component":1584},{"id":1581,"alt":1582,"name":71,"focus":71,"title":71,"filename":1583,"copyright":71,"fieldtype":76,"is_external_url":29},[],[],[3287,3288,3289],{"path":1586,"name":26,"lang":37,"published":26},{"path":1586,"name":26,"lang":39,"published":26},{"path":1586,"name":26,"lang":41,"published":26},[33],[3292],{"_uid":3293,"asset":3294,"caption":71,"component":578},"aca9c441-9358-45ca-889c-af70bf7f2fe1",{"id":3295,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":3296,"copyright":71,"fieldtype":76,"meta_data":3297,"is_external_url":29},189927423877183,"https://a.storyblok.com/f/146026/1376x768/90b9e67f35/1778521717468-v1ey7.png",{},"2026-06-21 16:14",[],"5 corporate tax planning strategies UK mid-market finance teams miss, from marginal relief errors to Patent Box elections.",[],[],"corporate-tax-planning","blog/corporate-tax-planning",-1980,[],"e455aa73-62df-4845-8ede-3b6795f443eb",[],[3310,3311,3312],{"path":3304,"name":26,"lang":37,"published":26},{"path":3304,"name":26,"lang":39,"published":26},{"path":3304,"name":26,"lang":41,"published":26},{"name":3314,"created_at":3315,"published_at":3316,"updated_at":3317,"id":3318,"uuid":3319,"content":3320,"slug":3373,"full_slug":3374,"sort_by_date":26,"position":3375,"tag_list":3376,"is_startpage":29,"parent_id":1615,"meta_data":26,"group_id":3377,"first_published_at":3316,"release_id":26,"lang":33,"path":26,"alternates":3378,"default_full_slug":3374,"translated_slugs":3379},"How UK businesses can prepare for Making Tax Digital for corporation tax","2026-06-21T16:02:23.509Z","2026-07-13T10:08:56.213Z","2026-07-13T10:08:56.234Z",189923915868934,"09f94ae4-2229-4ea5-9349-6dcacc80cd44",{"_uid":3321,"title":3314,"topics":3322,"noIndex":29,"category":3350,"language":3359,"component":1585,"heroMedia":3360,"publishedAt":3368,"redirectUrl":71,"listingImage":3369,"metaDescription":3370,"bottomArticleCta":3371,"componentsAfterTheArticle":3372},"c7fa5962-5837-4e70-ac38-3795723acb9b",[3323,3331],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3324,"slug":123,"full_slug":124,"sort_by_date":26,"position":125,"tag_list":3325,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":128,"first_published_at":129,"release_id":26,"lang":33,"path":26,"alternates":3326,"default_full_slug":124,"translated_slugs":3327,"_stopResolving":42},{"_uid":122,"name":116,"component":23},[],[],[3328,3329,3330],{"path":124,"name":26,"lang":37,"published":26},{"path":124,"name":26,"lang":39,"published":26},{"path":124,"name":26,"lang":41,"published":26},{"name":3332,"created_at":3333,"published_at":16,"updated_at":3334,"id":3335,"uuid":3336,"content":3337,"slug":3339,"full_slug":3340,"sort_by_date":26,"position":3341,"tag_list":3342,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":3343,"first_published_at":3344,"release_id":26,"lang":33,"path":26,"alternates":3345,"default_full_slug":3340,"translated_slugs":3346,"_stopResolving":42},"Finance tools & tech","2022-10-23T14:54:45.602Z","2026-03-12T10:47:24.227Z",208013309,"1ea23fbc-cf76-421e-a8c6-73b89787bb95",{"_uid":3338,"name":3332,"component":23,"hubspotId":71},"3f4c451e-8e90-42af-8ab4-49c7a12230b6","finance-tools-tech","blog/topic/finance-tools-tech",-550,[],"fb813b9f-0756-465f-92a3-1598217d5c5c","2022-11-02T15:24:38.734Z",[],[3347,3348,3349],{"path":3340,"name":26,"lang":37,"published":26},{"path":3340,"name":26,"lang":39,"published":26},{"path":3340,"name":26,"lang":41,"published":26},{"name":1573,"created_at":1574,"published_at":16,"updated_at":1575,"id":1576,"uuid":1577,"content":3351,"slug":1585,"full_slug":1586,"sort_by_date":26,"position":27,"tag_list":3353,"is_startpage":29,"parent_id":1588,"meta_data":26,"group_id":1589,"first_published_at":1590,"release_id":26,"lang":33,"path":26,"alternates":3354,"default_full_slug":1586,"translated_slugs":3355,"_stopResolving":42},{"_uid":1579,"icon":3352,"name":1573,"component":1584},{"id":1581,"alt":1582,"name":71,"focus":71,"title":71,"filename":1583,"copyright":71,"fieldtype":76,"is_external_url":29},[],[],[3356,3357,3358],{"path":1586,"name":26,"lang":37,"published":26},{"path":1586,"name":26,"lang":39,"published":26},{"path":1586,"name":26,"lang":41,"published":26},[33],[3361],{"_uid":3362,"asset":3363,"caption":3367,"component":578},"9ae178a5-11b4-456c-8876-0b36ec580bd6",{"id":3364,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":3365,"copyright":71,"fieldtype":76,"meta_data":3366,"is_external_url":29},189924725616680,"https://a.storyblok.com/f/146026/512x286/4ba75b5b1c/making-tax-digital-for-corporation-tax-what-changed.png",{},"Making Tax Digital for Corporation Tax: What Changed ","2026-06-21 16:02",[],"MTD for Corporation Tax has been scrapped. Here's what UK finance teams need to know about the digital tax obligations that still apply.",[],[],"making-tax-digital-corporation-tax","blog/making-tax-digital-corporation-tax",-1970,[],"937e82dd-a0ab-4317-93e6-66ad07b3abfb",[],[3380,3381,3382],{"path":3374,"name":26,"lang":37,"published":26},{"path":3374,"name":26,"lang":39,"published":26},{"path":3374,"name":26,"lang":41,"published":26},{"name":3384,"created_at":3385,"published_at":3386,"updated_at":3387,"id":3388,"uuid":3389,"content":3390,"slug":3518,"full_slug":3519,"sort_by_date":26,"position":3520,"tag_list":3521,"is_startpage":29,"parent_id":1615,"meta_data":26,"group_id":3522,"first_published_at":3386,"release_id":26,"lang":33,"path":26,"alternates":3523,"default_full_slug":3519,"translated_slugs":3524},"What is invoice discounting? How it works, what it costs, and when it fits","2026-05-08T19:14:39.736Z","2026-06-03T09:01:18.695Z","2026-06-03T09:01:18.717Z",174399814654205,"ac5546b5-9139-4606-b9c8-567b30bde436",{"_uid":3391,"title":3384,"topics":3392,"noIndex":29,"category":3495,"language":3504,"component":1585,"heroMedia":3505,"publishedAt":3513,"redirectUrl":71,"listingImage":3514,"metaDescription":3515,"bottomArticleCta":3516,"componentsAfterTheArticle":3517},"387221f7-408b-4f82-a29e-49812a5e2341",[3393,3487],{"name":3394,"created_at":3395,"published_at":3396,"updated_at":3397,"id":3398,"uuid":3399,"content":3400,"slug":2273,"full_slug":3477,"sort_by_date":26,"position":3478,"tag_list":3479,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":3480,"first_published_at":3481,"release_id":26,"lang":33,"path":26,"alternates":3482,"default_full_slug":3477,"translated_slugs":3483,"_stopResolving":42},"Invoice processing","2022-10-19T17:57:55.858Z","2026-03-12T10:47:39.289Z","2026-03-12T10:47:39.307Z",206171425,"00250c09-23ec-4aa4-9c33-a2a8c28b5a09",{"_uid":3401,"name":3394,"component":23,"components":3402},"4887887c-abda-40b5-b34f-98e2f159ca96",[3403],{"_uid":3404,"items":3405,"heading":3451,"reverse":29,"component":3153,"sectionSettings":3469},"8931e7f8-9b5c-4b5f-8b31-54c58602af76",[3406,3415,3424,3433,3442],{"_uid":3407,"title":3408,"component":3007,"description":3409},"65637f5d-4273-4b64-b204-75a1367905d1","How does Spendesk automate invoice processing?",{"type":92,"content":3410},[3411],{"type":95,"content":3412},[3413],{"text":3414,"type":101},"Spendesk automates invoice processing by centralizing invoice uploads, extracting data with OCR, matching receipts, and routing invoices through configurable approval workflows. Spendesk's automated receipt matching and real-time budget updates eliminate manual data entry, provide approval audit trails, and assign costs to teams to keep finance teams accurate and in control.",{"_uid":3416,"title":3417,"component":3007,"description":3418},"8f0ddce4-730a-4362-8628-e9ff9134d414","Can Spendesk match receipts and invoices automatically?",{"type":92,"content":3419},[3420],{"type":95,"content":3421},[3422],{"text":3423,"type":101},"Spendesk automatically matches receipts and invoices using OCR technology to extract line-item data, validate totals, and flag discrepancies. Spendesk's automated receipt matching stores validated documents with each invoice, creates an auditable record of approvals, and reduces month-end reconciliation by linking receipts to expense entries and vendor records.",{"_uid":3425,"title":3426,"component":3007,"description":3427},"643afdc7-16cf-4f1c-af93-ddbe632ef958","How do I pay invoices from Spendesk?",{"type":92,"content":3428},[3429],{"type":95,"content":3430},[3431],{"text":3432,"type":101},"Spendesk lets finance teams pay invoices by exporting approved invoices as a payment file compatible with online banking portals or by using supported payment integrations. Spendesk's batch export, supplier payment logs, and approval traceability streamline settlements, reduce payment errors, and ensure audit-ready records for each vendor transaction.",{"_uid":3434,"title":3435,"component":3007,"description":3436},"c0ed6dc0-9bff-4cc1-95e9-b41cb2596653","Who can upload and approve invoices in Spendesk?",{"type":92,"content":3437},[3438],{"type":95,"content":3439},[3440],{"text":3441,"type":101},"Spendesk allows any trusted team member to upload invoices and routes approvals to designated approvers via configurable workflows and permission settings. Spendesk logs who uploaded and approved each invoice, assigns costs to specific teams or cost centers, and provides visibility into approval status to maintain budget control and compliance across the organization.",{"_uid":3443,"title":3444,"component":3007,"description":3445},"3fe23525-1c7d-43cf-b7c8-c48cfffd0751","Does Spendesk integrate with accounting software or ERPs for invoice sync?",{"type":92,"content":3446},[3447],{"type":95,"content":3448},[3449],{"text":3450,"type":101},"Spendesk integrates with major accounting systems and ERPs through native connectors and export file formats to sync invoices, payments, and coding information. Spendesk's integrations reduce manual data entry, map vendor and cost center fields for reconciliation, and keep financial ledgers up to date for faster month-end close and cleaner audit trails.",[3452],{"cta":3453,"_uid":3454,"title":3455,"eyebrow":3462,"subtitle":3465,"component":183,"textAlign":71,"sectionSettings":3468,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":71},[],"b91898a8-2cfe-47a3-93ff-a795b6f41e35",{"type":92,"content":3456},[3457],{"type":183,"attrs":3458,"content":3459},{"level":185},[3460],{"text":3461,"type":101},"Invoice Processing and Accounts Payable Tools | Spendesk — FAQ",{"type":92,"content":3463},[3464],{"type":95},{"type":92,"content":3466},[3467],{"type":95},[],[3470],{"_uid":3471,"hide":29,"theme":3472,"anchorId":71,"component":3473,"spacingTop":71,"hideOnDevices":3474,"spacingBottom":71,"floatingImages":3475,"variableOverrides":3476},"bd1ebee8-326b-4e0d-9cea-9a5ce335bf6c","light-theme","sectionSettings",[],[],[],"blog/topic/invoice-processing",-290,[],"acd307a9-fdbc-4c73-9a85-de86f9185d74","2022-11-02T15:24:47.785Z",[],[3484,3485,3486],{"path":3477,"name":26,"lang":37,"published":26},{"path":3477,"name":26,"lang":39,"published":26},{"path":3477,"name":26,"lang":41,"published":26},{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3488,"slug":123,"full_slug":124,"sort_by_date":26,"position":125,"tag_list":3489,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":128,"first_published_at":129,"release_id":26,"lang":33,"path":26,"alternates":3490,"default_full_slug":124,"translated_slugs":3491,"_stopResolving":42},{"_uid":122,"name":116,"component":23},[],[],[3492,3493,3494],{"path":124,"name":26,"lang":37,"published":26},{"path":124,"name":26,"lang":39,"published":26},{"path":124,"name":26,"lang":41,"published":26},{"name":1573,"created_at":1574,"published_at":16,"updated_at":1575,"id":1576,"uuid":1577,"content":3496,"slug":1585,"full_slug":1586,"sort_by_date":26,"position":27,"tag_list":3498,"is_startpage":29,"parent_id":1588,"meta_data":26,"group_id":1589,"first_published_at":1590,"release_id":26,"lang":33,"path":26,"alternates":3499,"default_full_slug":1586,"translated_slugs":3500,"_stopResolving":42},{"_uid":1579,"icon":3497,"name":1573,"component":1584},{"id":1581,"alt":1582,"name":71,"focus":71,"title":71,"filename":1583,"copyright":71,"fieldtype":76,"is_external_url":29},[],[],[3501,3502,3503],{"path":1586,"name":26,"lang":37,"published":26},{"path":1586,"name":26,"lang":39,"published":26},{"path":1586,"name":26,"lang":41,"published":26},[33],[3506],{"_uid":3507,"type":71,"asset":3508,"caption":71,"overlay":3512,"component":578},"21b07500-5b6c-4602-9e7e-9b18eeccedb2",{"id":3509,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":3510,"copyright":71,"fieldtype":76,"meta_data":3511,"is_external_url":29},174400058601475,"https://a.storyblok.com/f/146026/1376x768/5856800d6b/what-is-invoice-discounting.png",{},[],"2026-05-08 19:14",[],"Invoice discounting turns unpaid invoices into working capital. How it works, what UK providers charge, and when it fits finance teams.",[],[],"what-is-invoice-discounting","blog/what-is-invoice-discounting",-1620,[],"36e06281-a045-4370-925c-e7b5de842dbe",[],[3525,3526,3527],{"path":3519,"name":26,"lang":37,"published":26},{"path":3519,"name":26,"lang":39,"published":26},{"path":3519,"name":26,"lang":41,"published":26},{"name":3529,"created_at":3530,"published_at":3531,"updated_at":3532,"id":3533,"uuid":3534,"content":3535,"slug":3577,"full_slug":3578,"sort_by_date":26,"position":3579,"tag_list":3580,"is_startpage":29,"parent_id":1615,"meta_data":26,"group_id":3581,"first_published_at":3531,"release_id":26,"lang":33,"path":26,"alternates":3582,"default_full_slug":3578,"translated_slugs":3583},"UK SOX regulatory compliance: What finance teams need to have in place","2026-05-08T18:22:37.214Z","2026-06-03T09:11:32.681Z","2026-06-03T09:11:32.699Z",174387024812355,"58961932-3ae1-4b41-9fa1-9974238fbcd6",{"_uid":3536,"title":3529,"topics":3537,"noIndex":29,"category":3554,"language":3563,"component":1585,"heroMedia":3564,"publishedAt":3572,"redirectUrl":71,"listingImage":3573,"metaDescription":3574,"bottomArticleCta":3575,"componentsAfterTheArticle":3576},"0ed8d5e9-5056-4bb5-b85e-1421a87c98fc",[3538,3546],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3539,"slug":123,"full_slug":124,"sort_by_date":26,"position":125,"tag_list":3540,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":128,"first_published_at":129,"release_id":26,"lang":33,"path":26,"alternates":3541,"default_full_slug":124,"translated_slugs":3542,"_stopResolving":42},{"_uid":122,"name":116,"component":23},[],[],[3543,3544,3545],{"path":124,"name":26,"lang":37,"published":26},{"path":124,"name":26,"lang":39,"published":26},{"path":124,"name":26,"lang":41,"published":26},{"name":3332,"created_at":3333,"published_at":16,"updated_at":3334,"id":3335,"uuid":3336,"content":3547,"slug":3339,"full_slug":3340,"sort_by_date":26,"position":3341,"tag_list":3548,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":3343,"first_published_at":3344,"release_id":26,"lang":33,"path":26,"alternates":3549,"default_full_slug":3340,"translated_slugs":3550,"_stopResolving":42},{"_uid":3338,"name":3332,"component":23,"hubspotId":71},[],[],[3551,3552,3553],{"path":3340,"name":26,"lang":37,"published":26},{"path":3340,"name":26,"lang":39,"published":26},{"path":3340,"name":26,"lang":41,"published":26},{"name":1573,"created_at":1574,"published_at":16,"updated_at":1575,"id":1576,"uuid":1577,"content":3555,"slug":1585,"full_slug":1586,"sort_by_date":26,"position":27,"tag_list":3557,"is_startpage":29,"parent_id":1588,"meta_data":26,"group_id":1589,"first_published_at":1590,"release_id":26,"lang":33,"path":26,"alternates":3558,"default_full_slug":1586,"translated_slugs":3559,"_stopResolving":42},{"_uid":1579,"icon":3556,"name":1573,"component":1584},{"id":1581,"alt":1582,"name":71,"focus":71,"title":71,"filename":1583,"copyright":71,"fieldtype":76,"is_external_url":29},[],[],[3560,3561,3562],{"path":1586,"name":26,"lang":37,"published":26},{"path":1586,"name":26,"lang":39,"published":26},{"path":1586,"name":26,"lang":41,"published":26},[33],[3565],{"_uid":3566,"type":71,"asset":3567,"caption":71,"overlay":3571,"component":578},"5b4e0b93-3ed1-4198-b12b-c8b0d74a69d5",{"id":3568,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":3569,"copyright":71,"fieldtype":76,"meta_data":3570,"is_external_url":29},174391255313814,"https://a.storyblok.com/f/146026/1376x768/331dc4dd36/sox-regulatory-compliance.png",{},[],"2026-05-08 18:22",[],"Provision 29 and ECCTA are the live UK SOX frameworks. Learn what applies to your finance team and how to build controls auditors trust.",[],[],"uk-sox-regulatory-compliance","blog/uk-sox-regulatory-compliance",-1600,[],"65bc02ab-10d6-43e5-82c0-cb9c828ae238",[],[3584,3585,3586],{"path":3578,"name":26,"lang":37,"published":26},{"path":3578,"name":26,"lang":39,"published":26},{"path":3578,"name":26,"lang":41,"published":26},{"name":3588,"created_at":3589,"published_at":3590,"updated_at":3591,"id":3592,"uuid":3593,"content":3594,"slug":3645,"full_slug":3646,"sort_by_date":26,"position":3647,"tag_list":3648,"is_startpage":29,"parent_id":1615,"meta_data":26,"group_id":3649,"first_published_at":3590,"release_id":26,"lang":33,"path":26,"alternates":3650,"default_full_slug":3646,"translated_slugs":3651},"How to support expense compliance without becoming the villain","2026-05-08T18:13:25.487Z","2026-06-03T09:13:52.655Z","2026-06-03T09:13:52.678Z",174384764934445,"c318536a-47ee-4f87-89d7-fb367feb9dc1",{"_uid":3595,"title":3588,"topics":3596,"noIndex":29,"category":3622,"language":3631,"component":1585,"heroMedia":3632,"publishedAt":3640,"redirectUrl":71,"listingImage":3641,"metaDescription":3642,"bottomArticleCta":3643,"componentsAfterTheArticle":3644},"274a07f7-8438-4427-b7e8-42f72ae539f5",[3597,3614],{"name":1712,"created_at":3598,"published_at":16,"updated_at":3599,"id":3600,"uuid":3601,"content":3602,"slug":1711,"full_slug":3604,"sort_by_date":26,"position":3605,"tag_list":3606,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":3607,"first_published_at":3608,"release_id":26,"lang":33,"path":26,"alternates":3609,"default_full_slug":3604,"translated_slugs":3610,"_stopResolving":42},"2022-10-19T17:57:51.580Z","2026-03-12T10:47:22.910Z",206171408,"850961c4-ad89-4a0e-9294-8ac179da7176",{"_uid":3603,"name":1712,"component":23},"1d1a3e21-352f-4cb9-aa7b-7c289d6480be","blog/topic/expense-management",-120,[],"3eab4956-fb03-4f41-b5a2-7a537d9ab106","2022-11-02T15:24:53.472Z",[],[3611,3612,3613],{"path":3604,"name":26,"lang":37,"published":26},{"path":3604,"name":26,"lang":39,"published":26},{"path":3604,"name":26,"lang":41,"published":26},{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3615,"slug":123,"full_slug":124,"sort_by_date":26,"position":125,"tag_list":3616,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":128,"first_published_at":129,"release_id":26,"lang":33,"path":26,"alternates":3617,"default_full_slug":124,"translated_slugs":3618,"_stopResolving":42},{"_uid":122,"name":116,"component":23},[],[],[3619,3620,3621],{"path":124,"name":26,"lang":37,"published":26},{"path":124,"name":26,"lang":39,"published":26},{"path":124,"name":26,"lang":41,"published":26},{"name":1573,"created_at":1574,"published_at":16,"updated_at":1575,"id":1576,"uuid":1577,"content":3623,"slug":1585,"full_slug":1586,"sort_by_date":26,"position":27,"tag_list":3625,"is_startpage":29,"parent_id":1588,"meta_data":26,"group_id":1589,"first_published_at":1590,"release_id":26,"lang":33,"path":26,"alternates":3626,"default_full_slug":1586,"translated_slugs":3627,"_stopResolving":42},{"_uid":1579,"icon":3624,"name":1573,"component":1584},{"id":1581,"alt":1582,"name":71,"focus":71,"title":71,"filename":1583,"copyright":71,"fieldtype":76,"is_external_url":29},[],[],[3628,3629,3630],{"path":1586,"name":26,"lang":37,"published":26},{"path":1586,"name":26,"lang":39,"published":26},{"path":1586,"name":26,"lang":41,"published":26},[33],[3633],{"_uid":3634,"type":71,"asset":3635,"caption":71,"overlay":3639,"component":578},"f17259da-6133-46d4-85f6-5faf6874b681",{"id":3636,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":3637,"copyright":71,"fieldtype":76,"meta_data":3638,"is_external_url":29},174395821645508,"https://a.storyblok.com/f/146026/1376x768/11f9db65c4/expense-compliance.png",{},[],"2026-05-08 18:13",[],"Move expense controls upstream so your UK finance team stops chasing receipts and starts closing the books on time. Practical steps inside.",[],[],"expense-compliance","blog/expense-compliance",-1590,[],"251efdc2-bdb6-4973-96c2-e89084916edc",[],[3652,3653,3654],{"path":3646,"name":26,"lang":37,"published":26},{"path":3646,"name":26,"lang":39,"published":26},{"path":3646,"name":26,"lang":41,"published":26},{"name":3656,"created_at":3657,"published_at":3658,"updated_at":3659,"id":3660,"uuid":3661,"content":3662,"slug":3704,"full_slug":3705,"sort_by_date":26,"position":3706,"tag_list":3707,"is_startpage":29,"parent_id":1615,"meta_data":26,"group_id":3708,"first_published_at":3658,"release_id":26,"lang":33,"path":26,"alternates":3709,"default_full_slug":3705,"translated_slugs":3710},"Budget variance analysis: How to spot variances and act on them","2026-04-22T07:20:46.270Z","2026-04-23T11:11:07.369Z","2026-04-23T11:11:07.390Z",168562058384690,"ee91332d-dd0b-42f9-9aaa-c5ed8e5bc419",{"_uid":3663,"title":3656,"topics":3664,"noIndex":29,"category":3681,"language":3690,"component":1585,"heroMedia":3691,"publishedAt":3699,"redirectUrl":71,"listingImage":3700,"metaDescription":3701,"bottomArticleCta":3702,"componentsAfterTheArticle":3703},"899652a7-2d28-43aa-bef2-32893f082749",[3665,3673],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3666,"slug":123,"full_slug":124,"sort_by_date":26,"position":125,"tag_list":3667,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":128,"first_published_at":129,"release_id":26,"lang":33,"path":26,"alternates":3668,"default_full_slug":124,"translated_slugs":3669,"_stopResolving":42},{"_uid":122,"name":116,"component":23},[],[],[3670,3671,3672],{"path":124,"name":26,"lang":37,"published":26},{"path":124,"name":26,"lang":39,"published":26},{"path":124,"name":26,"lang":41,"published":26},{"name":1712,"created_at":3598,"published_at":16,"updated_at":3599,"id":3600,"uuid":3601,"content":3674,"slug":1711,"full_slug":3604,"sort_by_date":26,"position":3605,"tag_list":3675,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":3607,"first_published_at":3608,"release_id":26,"lang":33,"path":26,"alternates":3676,"default_full_slug":3604,"translated_slugs":3677,"_stopResolving":42},{"_uid":3603,"name":1712,"component":23},[],[],[3678,3679,3680],{"path":3604,"name":26,"lang":37,"published":26},{"path":3604,"name":26,"lang":39,"published":26},{"path":3604,"name":26,"lang":41,"published":26},{"name":1573,"created_at":1574,"published_at":16,"updated_at":1575,"id":1576,"uuid":1577,"content":3682,"slug":1585,"full_slug":1586,"sort_by_date":26,"position":27,"tag_list":3684,"is_startpage":29,"parent_id":1588,"meta_data":26,"group_id":1589,"first_published_at":1590,"release_id":26,"lang":33,"path":26,"alternates":3685,"default_full_slug":1586,"translated_slugs":3686,"_stopResolving":42},{"_uid":1579,"icon":3683,"name":1573,"component":1584},{"id":1581,"alt":1582,"name":71,"focus":71,"title":71,"filename":1583,"copyright":71,"fieldtype":76,"is_external_url":29},[],[],[3687,3688,3689],{"path":1586,"name":26,"lang":37,"published":26},{"path":1586,"name":26,"lang":39,"published":26},{"path":1586,"name":26,"lang":41,"published":26},[33],[3692],{"_uid":3693,"type":71,"asset":3694,"caption":71,"overlay":3698,"component":578},"95e09d22-5b5a-47b4-89ba-e49e22c85b40",{"id":3695,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":3696,"copyright":71,"fieldtype":76,"meta_data":3697,"is_external_url":29},168583896408479,"https://a.storyblok.com/f/146026/1376x768/378759bda3/budget-variance-analysis.png",{},[],"2026-04-22 07:20",[],"Budget variance analysis done right: a worked GBP example, materiality thresholds, a controllability framework, and when to reforecast.",[],[],"budget-variance-analysis","blog/budget-variance-analysis",-1360,[],"d0b81cbe-f94e-4f46-9117-8424ba70896b",[],[3711,3712,3713],{"path":3705,"name":26,"lang":37,"published":26},{"path":3705,"name":26,"lang":39,"published":26},{"path":3705,"name":26,"lang":41,"published":26},{"name":3715,"created_at":3716,"published_at":3717,"updated_at":3718,"id":3719,"uuid":3720,"content":3721,"slug":3763,"full_slug":3764,"sort_by_date":26,"position":3765,"tag_list":3766,"is_startpage":29,"parent_id":1615,"meta_data":26,"group_id":3767,"first_published_at":3717,"release_id":26,"lang":33,"path":26,"alternates":3768,"default_full_slug":3764,"translated_slugs":3769},"ERP implementation: Phases, timelines, and pitfalls UK finance teams need to plan for","2026-04-22T07:19:05.648Z","2026-04-23T10:36:35.498Z","2026-04-23T10:36:35.520Z",168561646230079,"5ef46a51-beb7-4951-be06-349324feaf38",{"_uid":3722,"title":3715,"topics":3723,"noIndex":29,"category":3740,"language":3749,"component":1585,"heroMedia":3750,"publishedAt":3758,"redirectUrl":71,"listingImage":3759,"metaDescription":3760,"bottomArticleCta":3761,"componentsAfterTheArticle":3762},"5d854c2f-7563-4aa9-ac68-f9110bdcd21d",[3724,3732],{"name":3332,"created_at":3333,"published_at":16,"updated_at":3334,"id":3335,"uuid":3336,"content":3725,"slug":3339,"full_slug":3340,"sort_by_date":26,"position":3341,"tag_list":3726,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":3343,"first_published_at":3344,"release_id":26,"lang":33,"path":26,"alternates":3727,"default_full_slug":3340,"translated_slugs":3728,"_stopResolving":42},{"_uid":3338,"name":3332,"component":23,"hubspotId":71},[],[],[3729,3730,3731],{"path":3340,"name":26,"lang":37,"published":26},{"path":3340,"name":26,"lang":39,"published":26},{"path":3340,"name":26,"lang":41,"published":26},{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3733,"slug":123,"full_slug":124,"sort_by_date":26,"position":125,"tag_list":3734,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":128,"first_published_at":129,"release_id":26,"lang":33,"path":26,"alternates":3735,"default_full_slug":124,"translated_slugs":3736,"_stopResolving":42},{"_uid":122,"name":116,"component":23},[],[],[3737,3738,3739],{"path":124,"name":26,"lang":37,"published":26},{"path":124,"name":26,"lang":39,"published":26},{"path":124,"name":26,"lang":41,"published":26},{"name":1573,"created_at":1574,"published_at":16,"updated_at":1575,"id":1576,"uuid":1577,"content":3741,"slug":1585,"full_slug":1586,"sort_by_date":26,"position":27,"tag_list":3743,"is_startpage":29,"parent_id":1588,"meta_data":26,"group_id":1589,"first_published_at":1590,"release_id":26,"lang":33,"path":26,"alternates":3744,"default_full_slug":1586,"translated_slugs":3745,"_stopResolving":42},{"_uid":1579,"icon":3742,"name":1573,"component":1584},{"id":1581,"alt":1582,"name":71,"focus":71,"title":71,"filename":1583,"copyright":71,"fieldtype":76,"is_external_url":29},[],[],[3746,3747,3748],{"path":1586,"name":26,"lang":37,"published":26},{"path":1586,"name":26,"lang":39,"published":26},{"path":1586,"name":26,"lang":41,"published":26},[33],[3751],{"_uid":3752,"type":71,"asset":3753,"caption":71,"overlay":3757,"component":578},"c9f9cc25-8893-423e-b089-dfbb86580fa6",{"id":3754,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":3755,"copyright":71,"fieldtype":76,"meta_data":3756,"is_external_url":29},168580497833836,"https://a.storyblok.com/f/146026/1376x768/6efb2f6452/erp-implementation.png",{},[],"2026-04-22 07:19",[],"Seven phases of ERP implementation, realistic timelines, UK regulatory deadlines, and how to protect your month-end close.",[],[],"erp-implementation","blog/erp-implementation",-1330,[],"02d4f989-3cc7-4c7d-a534-952acee6e567",[],[3770,3771,3772],{"path":3764,"name":26,"lang":37,"published":26},{"path":3764,"name":26,"lang":39,"published":26},{"path":3764,"name":26,"lang":41,"published":26},{"name":3774,"created_at":3775,"published_at":3776,"updated_at":3777,"id":3778,"uuid":3779,"content":3780,"slug":3822,"full_slug":3823,"sort_by_date":26,"position":3824,"tag_list":3825,"is_startpage":29,"parent_id":1615,"meta_data":26,"group_id":3826,"first_published_at":3776,"release_id":26,"lang":33,"path":26,"alternates":3827,"default_full_slug":3823,"translated_slugs":3828},"Expense categorisation: How to standardise categories and reduce rework","2026-04-22T07:18:48.220Z","2026-04-23T10:09:06.446Z","2026-04-23T10:29:38.089Z",168561574861373,"2a68ed48-90aa-4e2e-bece-fad1f721fedf",{"_uid":3781,"title":3774,"topics":3782,"noIndex":29,"category":3799,"language":3808,"component":1585,"heroMedia":3809,"publishedAt":3817,"redirectUrl":71,"listingImage":3818,"metaDescription":3819,"bottomArticleCta":3820,"componentsAfterTheArticle":3821},"957d1205-938d-4de4-8aa8-8599d543bbbc",[3783,3791],{"name":1712,"created_at":3598,"published_at":16,"updated_at":3599,"id":3600,"uuid":3601,"content":3784,"slug":1711,"full_slug":3604,"sort_by_date":26,"position":3605,"tag_list":3785,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":3607,"first_published_at":3608,"release_id":26,"lang":33,"path":26,"alternates":3786,"default_full_slug":3604,"translated_slugs":3787,"_stopResolving":42},{"_uid":3603,"name":1712,"component":23},[],[],[3788,3789,3790],{"path":3604,"name":26,"lang":37,"published":26},{"path":3604,"name":26,"lang":39,"published":26},{"path":3604,"name":26,"lang":41,"published":26},{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3792,"slug":123,"full_slug":124,"sort_by_date":26,"position":125,"tag_list":3793,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":128,"first_published_at":129,"release_id":26,"lang":33,"path":26,"alternates":3794,"default_full_slug":124,"translated_slugs":3795,"_stopResolving":42},{"_uid":122,"name":116,"component":23},[],[],[3796,3797,3798],{"path":124,"name":26,"lang":37,"published":26},{"path":124,"name":26,"lang":39,"published":26},{"path":124,"name":26,"lang":41,"published":26},{"name":1573,"created_at":1574,"published_at":16,"updated_at":1575,"id":1576,"uuid":1577,"content":3800,"slug":1585,"full_slug":1586,"sort_by_date":26,"position":27,"tag_list":3802,"is_startpage":29,"parent_id":1588,"meta_data":26,"group_id":1589,"first_published_at":1590,"release_id":26,"lang":33,"path":26,"alternates":3803,"default_full_slug":1586,"translated_slugs":3804,"_stopResolving":42},{"_uid":1579,"icon":3801,"name":1573,"component":1584},{"id":1581,"alt":1582,"name":71,"focus":71,"title":71,"filename":1583,"copyright":71,"fieldtype":76,"is_external_url":29},[],[],[3805,3806,3807],{"path":1586,"name":26,"lang":37,"published":26},{"path":1586,"name":26,"lang":39,"published":26},{"path":1586,"name":26,"lang":41,"published":26},[33],[3810],{"_uid":3811,"type":71,"asset":3812,"caption":71,"overlay":3816,"component":578},"64cfdabf-ec17-4a6e-bea2-4ab3edd15af1",{"id":3813,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":3814,"copyright":71,"fieldtype":76,"meta_data":3815,"is_external_url":29},168579769286404,"https://a.storyblok.com/f/146026/1376x768/344bc06cba/expense-categorisation.png",{},[],"2026-04-22 07:18",[],"How to standardise expense categories for FRS 102, HMRC rules, and VAT recovery to reduce month-end rework across your UK finance team.",[],[],"expense-categorisation","blog/expense-categorisation",-1320,[],"d7097a5e-ae7c-4c55-ac66-4979644c6223",[],[3829,3830,3831],{"path":3823,"name":26,"lang":37,"published":26},{"path":3823,"name":26,"lang":39,"published":26},{"path":3823,"name":26,"lang":41,"published":26},{"name":3833,"created_at":3834,"published_at":3835,"updated_at":3836,"id":3837,"uuid":3838,"content":3839,"slug":3881,"full_slug":3882,"sort_by_date":26,"position":3883,"tag_list":3884,"is_startpage":29,"parent_id":1615,"meta_data":26,"group_id":3885,"first_published_at":3835,"release_id":26,"lang":33,"path":26,"alternates":3886,"default_full_slug":3882,"translated_slugs":3887},"Currency hedging: What it is and when it makes sense","2026-04-10T18:59:30.724Z","2026-04-16T07:55:41.988Z","2026-04-16T07:55:42.010Z",164487048155360,"37f282a7-d42a-4455-a410-a98aafb11ead",{"_uid":3840,"title":3833,"topics":3841,"noIndex":29,"category":3858,"language":3867,"component":1585,"heroMedia":3868,"publishedAt":3876,"redirectUrl":71,"listingImage":3877,"metaDescription":3878,"bottomArticleCta":3879,"componentsAfterTheArticle":3880},"8a61002a-da94-4d61-b3b1-a171ee5b650d",[3842,3850],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3843,"slug":123,"full_slug":124,"sort_by_date":26,"position":125,"tag_list":3844,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":128,"first_published_at":129,"release_id":26,"lang":33,"path":26,"alternates":3845,"default_full_slug":124,"translated_slugs":3846,"_stopResolving":42},{"_uid":122,"name":116,"component":23},[],[],[3847,3848,3849],{"path":124,"name":26,"lang":37,"published":26},{"path":124,"name":26,"lang":39,"published":26},{"path":124,"name":26,"lang":41,"published":26},{"name":3263,"created_at":3264,"published_at":16,"updated_at":3265,"id":3266,"uuid":3267,"content":3851,"slug":3270,"full_slug":3271,"sort_by_date":26,"position":3272,"tag_list":3852,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":3274,"first_published_at":3275,"release_id":26,"lang":33,"path":26,"alternates":3853,"default_full_slug":3271,"translated_slugs":3854,"_stopResolving":42},{"_uid":3269,"name":3263,"component":23},[],[],[3855,3856,3857],{"path":3271,"name":26,"lang":37,"published":26},{"path":3271,"name":26,"lang":39,"published":26},{"path":3271,"name":26,"lang":41,"published":26},{"name":1573,"created_at":1574,"published_at":16,"updated_at":1575,"id":1576,"uuid":1577,"content":3859,"slug":1585,"full_slug":1586,"sort_by_date":26,"position":27,"tag_list":3861,"is_startpage":29,"parent_id":1588,"meta_data":26,"group_id":1589,"first_published_at":1590,"release_id":26,"lang":33,"path":26,"alternates":3862,"default_full_slug":1586,"translated_slugs":3863,"_stopResolving":42},{"_uid":1579,"icon":3860,"name":1573,"component":1584},{"id":1581,"alt":1582,"name":71,"focus":71,"title":71,"filename":1583,"copyright":71,"fieldtype":76,"is_external_url":29},[],[],[3864,3865,3866],{"path":1586,"name":26,"lang":37,"published":26},{"path":1586,"name":26,"lang":39,"published":26},{"path":1586,"name":26,"lang":41,"published":26},[33],[3869],{"_uid":3870,"type":71,"asset":3871,"caption":71,"overlay":3875,"component":578},"143971f4-935f-4b43-867f-2b2bc18a5d44",{"id":3872,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":3873,"copyright":71,"fieldtype":76,"meta_data":3874,"is_external_url":29},164487197151134,"https://a.storyblok.com/f/146026/1536x1024/670f6493cd/1773976736358-7crxx7-1.png",{},[],"2026-04-10 18:59",[],"How forward contracts, options, and natural hedges protect UK mid-market businesses from FX risk, and when to formalise a hedging strategy.",[],[],"currency-hedging","blog/currency-hedging",-1190,[],"63855588-35e2-4d00-8653-91dd35584acc",[],[3888,3889,3890],{"path":3882,"name":26,"lang":37,"published":26},{"path":3882,"name":26,"lang":39,"published":26},{"path":3882,"name":26,"lang":41,"published":26},{"name":3892,"created_at":3893,"published_at":3894,"updated_at":3895,"id":3896,"uuid":3897,"content":3898,"slug":3933,"full_slug":3934,"sort_by_date":26,"position":3935,"tag_list":3936,"is_startpage":29,"parent_id":1615,"meta_data":26,"group_id":3937,"first_published_at":3894,"release_id":26,"lang":33,"path":26,"alternates":3938,"default_full_slug":3934,"translated_slugs":3939},"Financial due diligence (FDD): what to review and key red flags","2026-03-24T03:51:50.553Z","2026-03-27T16:03:54.158Z","2026-03-27T16:03:54.183Z",158247774462214,"4bd1200d-7515-47a9-b0a1-dda8836c40f9",{"_uid":3899,"title":3900,"topics":3901,"noIndex":29,"category":3910,"language":3919,"component":1585,"heroMedia":3920,"publishedAt":3928,"redirectUrl":71,"listingImage":3929,"metaDescription":3930,"bottomArticleCta":3931,"componentsAfterTheArticle":3932},"bd26f405-28ad-4dea-82ae-ce79da9bd8c7","Financial due diligence (FDD): What to review and key red flags",[3902],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3903,"slug":123,"full_slug":124,"sort_by_date":26,"position":125,"tag_list":3904,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":128,"first_published_at":129,"release_id":26,"lang":33,"path":26,"alternates":3905,"default_full_slug":124,"translated_slugs":3906,"_stopResolving":42},{"_uid":122,"name":116,"component":23},[],[],[3907,3908,3909],{"path":124,"name":26,"lang":37,"published":26},{"path":124,"name":26,"lang":39,"published":26},{"path":124,"name":26,"lang":41,"published":26},{"name":1573,"created_at":1574,"published_at":16,"updated_at":1575,"id":1576,"uuid":1577,"content":3911,"slug":1585,"full_slug":1586,"sort_by_date":26,"position":27,"tag_list":3913,"is_startpage":29,"parent_id":1588,"meta_data":26,"group_id":1589,"first_published_at":1590,"release_id":26,"lang":33,"path":26,"alternates":3914,"default_full_slug":1586,"translated_slugs":3915,"_stopResolving":42},{"_uid":1579,"icon":3912,"name":1573,"component":1584},{"id":1581,"alt":1582,"name":71,"focus":71,"title":71,"filename":1583,"copyright":71,"fieldtype":76,"is_external_url":29},[],[],[3916,3917,3918],{"path":1586,"name":26,"lang":37,"published":26},{"path":1586,"name":26,"lang":39,"published":26},{"path":1586,"name":26,"lang":41,"published":26},[33],[3921],{"_uid":3922,"type":71,"asset":3923,"caption":71,"overlay":3927,"component":578},"3ecc259a-9816-49a7-866a-aa480add35b4",{"id":3924,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":3925,"copyright":71,"fieldtype":76,"meta_data":3926,"is_external_url":29},158248270548124,"https://a.storyblok.com/f/146026/1536x1024/168b93ea18/financial-due-diligence.png",{},[],"2026-03-23 00:00",[],"What acquirers scrutinise in FDD, the red flags that kill deals, and how mid-market finance teams build sell-side readiness before a transaction.",[],[],"financial-due-diligence","blog/financial-due-diligence",-1060,[],"3191a5c3-a09f-41e0-96b6-f5eedd31bb3c",[],[3940,3941,3942],{"path":3934,"name":26,"lang":37,"published":26},{"path":3934,"name":26,"lang":39,"published":26},{"path":3934,"name":26,"lang":41,"published":26},{"name":3944,"created_at":3945,"published_at":3946,"updated_at":3947,"id":3948,"uuid":3949,"content":3950,"slug":3985,"full_slug":3986,"sort_by_date":26,"position":3987,"tag_list":3988,"is_startpage":29,"parent_id":1615,"meta_data":26,"group_id":3989,"first_published_at":3946,"release_id":26,"lang":33,"path":26,"alternates":3990,"default_full_slug":3986,"translated_slugs":3991},"What is a cash flow forecast?","2026-03-16T15:52:34.501Z","2026-03-26T21:30:48.021Z","2026-03-26T21:30:48.043Z",155593746481338,"f183e902-930e-4fc6-83e1-8b7d533d45b0",{"_uid":3951,"title":3952,"topics":3953,"noIndex":29,"category":3962,"language":3971,"component":1585,"heroMedia":3972,"publishedAt":3980,"redirectUrl":71,"listingImage":3981,"metaDescription":3982,"bottomArticleCta":3983,"componentsAfterTheArticle":3984},"7e71bc1e-cf3e-4eaf-85a0-cc5678ebc35f","What is a cash flow forecast? An 8-step guide for finance teams",[3954],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3955,"slug":123,"full_slug":124,"sort_by_date":26,"position":125,"tag_list":3956,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":128,"first_published_at":129,"release_id":26,"lang":33,"path":26,"alternates":3957,"default_full_slug":124,"translated_slugs":3958,"_stopResolving":42},{"_uid":122,"name":116,"component":23},[],[],[3959,3960,3961],{"path":124,"name":26,"lang":37,"published":26},{"path":124,"name":26,"lang":39,"published":26},{"path":124,"name":26,"lang":41,"published":26},{"name":1573,"created_at":1574,"published_at":16,"updated_at":1575,"id":1576,"uuid":1577,"content":3963,"slug":1585,"full_slug":1586,"sort_by_date":26,"position":27,"tag_list":3965,"is_startpage":29,"parent_id":1588,"meta_data":26,"group_id":1589,"first_published_at":1590,"release_id":26,"lang":33,"path":26,"alternates":3966,"default_full_slug":1586,"translated_slugs":3967,"_stopResolving":42},{"_uid":1579,"icon":3964,"name":1573,"component":1584},{"id":1581,"alt":1582,"name":71,"focus":71,"title":71,"filename":1583,"copyright":71,"fieldtype":76,"is_external_url":29},[],[],[3968,3969,3970],{"path":1586,"name":26,"lang":37,"published":26},{"path":1586,"name":26,"lang":39,"published":26},{"path":1586,"name":26,"lang":41,"published":26},[33],[3973],{"_uid":3974,"type":71,"asset":3975,"caption":71,"overlay":3979,"component":578},"b61c5580-0be0-4cea-b3d4-613eb2e6e134",{"id":3976,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":3977,"copyright":71,"fieldtype":76,"meta_data":3978,"is_external_url":29},155596791774468,"https://a.storyblok.com/f/146026/1536x1024/443d33657b/cash-flow-forecast.png",{"alt":71,"title":71,"source":71,"copyright":71},[],"2026-03-16 00:00",[],"Most cash flow forecasts sit unused in spreadsheets. Learn how to build a rolling 13-week forecast that actually supports better financial decisions.",[],[],"cash-flow-forecast","blog/cash-flow-forecast",-1030,[],"33729f6e-23f6-4da1-a142-57e902fef173",[],[3992,3993,3994],{"path":3986,"name":26,"lang":37,"published":26},{"path":3986,"name":26,"lang":39,"published":26},{"path":3986,"name":26,"lang":41,"published":26},{"name":3996,"created_at":3997,"published_at":16,"updated_at":3998,"id":3999,"uuid":4000,"content":4001,"slug":4042,"full_slug":4043,"sort_by_date":26,"position":4044,"tag_list":4045,"is_startpage":29,"parent_id":1615,"meta_data":26,"group_id":4046,"first_published_at":4047,"release_id":26,"lang":33,"path":26,"alternates":4048,"default_full_slug":4043,"translated_slugs":4049},"B2B payments: what are your options?","2024-09-06T13:39:32.009Z","2026-03-12T10:48:03.373Z",545220390,"bdfe0697-bd82-4d03-9911-2bb1de80e604",{"_uid":4002,"title":4003,"topics":4004,"category":4013,"language":4022,"component":1585,"heroMedia":4025,"publishedAt":4033,"readingTime":4034,"redirectUrl":71,"listingImage":4035,"metaDescription":4041},"6a2e23d9-1ecc-4e76-92db-3047937c6919","B2B payments: What are your options?",[4005],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":4006,"slug":123,"full_slug":124,"sort_by_date":26,"position":125,"tag_list":4007,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":128,"first_published_at":129,"release_id":26,"lang":33,"path":26,"alternates":4008,"default_full_slug":124,"translated_slugs":4009,"_stopResolving":42},{"_uid":122,"name":116,"component":23},[],[],[4010,4011,4012],{"path":124,"name":26,"lang":37,"published":26},{"path":124,"name":26,"lang":39,"published":26},{"path":124,"name":26,"lang":41,"published":26},{"name":1573,"created_at":1574,"published_at":16,"updated_at":1575,"id":1576,"uuid":1577,"content":4014,"slug":1585,"full_slug":1586,"sort_by_date":26,"position":27,"tag_list":4016,"is_startpage":29,"parent_id":1588,"meta_data":26,"group_id":1589,"first_published_at":1590,"release_id":26,"lang":33,"path":26,"alternates":4017,"default_full_slug":1586,"translated_slugs":4018,"_stopResolving":42},{"_uid":1579,"icon":4015,"name":1573,"component":1584},{"id":1581,"alt":1582,"name":71,"focus":71,"title":71,"filename":1583,"copyright":71,"fieldtype":76,"is_external_url":29},[],[],[4019,4020,4021],{"path":1586,"name":26,"lang":37,"published":26},{"path":1586,"name":26,"lang":39,"published":26},{"path":1586,"name":26,"lang":41,"published":26},[33,4023,4024],"en-us","en-eu",[4026],{"_uid":4027,"type":71,"asset":4028,"caption":71,"overlay":4032,"component":578},"b071191d-b2df-4ad1-9915-51d002a84705",{"id":4029,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":4030,"copyright":71,"fieldtype":76,"meta_data":4031,"is_external_url":29},17255357,"https://a.storyblok.com/f/146026/2380x1340/1d4b353b7d/blog-visual_217-b2b-payments.png",{},[],"2024-09-06 00:00","4",[4036],{"_uid":4037,"type":71,"asset":4038,"caption":71,"overlay":4040,"component":578},"408956e2-0e86-44fa-b3ca-51e8bd421701",{"id":4029,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":4030,"copyright":71,"fieldtype":76,"meta_data":4039,"is_external_url":29},{},[],"There are several ways companies can manage their B2B payments. This articles covers the different options available and how a smart spend management solution can help.","b2b-payments","blog/b2b-payments",-430,[],"d7b66ebb-39ec-4b54-be38-d6554052c2e3","2024-09-06T13:46:41.698Z",[],[4050,4051,4052],{"path":4043,"name":26,"lang":37,"published":26},{"path":4043,"name":26,"lang":39,"published":26},{"path":4043,"name":26,"lang":41,"published":26},{"name":4054,"created_at":4055,"published_at":16,"updated_at":4056,"id":4057,"uuid":4058,"content":4059,"slug":4160,"full_slug":4161,"sort_by_date":26,"position":4162,"tag_list":4163,"is_startpage":29,"parent_id":1615,"meta_data":26,"group_id":4164,"first_published_at":4165,"release_id":26,"lang":33,"path":26,"alternates":4166,"default_full_slug":4161,"translated_slugs":4167},"How to streamline HR and Finance processes","2024-08-09T16:54:33.054Z","2026-03-12T10:48:03.291Z",534233346,"c93132cf-d404-4e71-859b-bcbeab15ced1",{"_uid":4060,"title":4054,"topics":4061,"category":4070,"language":4079,"component":1585,"heroMedia":4080,"publishedAt":4088,"readingTime":862,"redirectUrl":71,"listingImage":4089,"metaDescription":4095,"componentsAfterTheArticle":4096},"199cd6e7-b581-4b61-b358-f84ab8788f28",[4062],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":4063,"slug":123,"full_slug":124,"sort_by_date":26,"position":125,"tag_list":4064,"is_startpage":29,"parent_id":127,"meta_data":26,"group_id":128,"first_published_at":129,"release_id":26,"lang":33,"path":26,"alternates":4065,"default_full_slug":124,"translated_slugs":4066,"_stopResolving":42},{"_uid":122,"name":116,"component":23},[],[],[4067,4068,4069],{"path":124,"name":26,"lang":37,"published":26},{"path":124,"name":26,"lang":39,"published":26},{"path":124,"name":26,"lang":41,"published":26},{"name":1573,"created_at":1574,"published_at":16,"updated_at":1575,"id":1576,"uuid":1577,"content":4071,"slug":1585,"full_slug":1586,"sort_by_date":26,"position":27,"tag_list":4073,"is_startpage":29,"parent_id":1588,"meta_data":26,"group_id":1589,"first_published_at":1590,"release_id":26,"lang":33,"path":26,"alternates":4074,"default_full_slug":1586,"translated_slugs":4075,"_stopResolving":42},{"_uid":1579,"icon":4072,"name":1573,"component":1584},{"id":1581,"alt":1582,"name":71,"focus":71,"title":71,"filename":1583,"copyright":71,"fieldtype":76,"is_external_url":29},[],[],[4076,4077,4078],{"path":1586,"name":26,"lang":37,"published":26},{"path":1586,"name":26,"lang":39,"published":26},{"path":1586,"name":26,"lang":41,"published":26},[33,4023,4024],[4081],{"_uid":4082,"type":71,"asset":4083,"caption":71,"overlay":4087,"component":578},"78938511-f1d5-491d-b242-d6e8c7ee8fd6",{"id":4084,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":4085,"copyright":71,"fieldtype":76,"meta_data":4086,"is_private":29,"is_external_url":29},16948369,"https://a.storyblok.com/f/146026/2380x1340/13f756ab36/blog-visual_245.png",{},[],"2024-08-09 00:00",[4090],{"_uid":4091,"type":71,"asset":4092,"caption":71,"overlay":4094,"component":578},"ee5167ed-8951-43d1-af52-676a13cc3ee6",{"id":4084,"alt":71,"name":71,"focus":71,"title":71,"source":71,"filename":4085,"copyright":71,"fieldtype":76,"meta_data":4093,"is_private":29,"is_external_url":29},{},[],"Despite seemingly different objectives, HR and Finance teams actually have a lot in common. Fostering a close collaborating relationship between the two departments will help streamline processes, and the entire company will benefit.",[4097],{"_uid":4098,"items":4099,"heading":4136,"reverse":29,"component":3153,"sectionSettings":4154},"1d5b0340-1a93-4df5-9178-6f202b3e7407",[4100,4109,4118,4127],{"_uid":4101,"title":4102,"component":3007,"description":4103},"0987a852-142e-4b8a-8f19-2e35282423d4","How can I use Spendesk to streamline HR and finance approvals?",{"type":92,"content":4104},[4105],{"type":95,"content":4106},[4107],{"text":4108,"type":101},"Spendesk automates HR and finance approvals through configurable approval workflows and role-based permissions, replacing email chains and manual sign-offs. Spendesk virtual cards and pre-approved budgets enforce policy at the point of purchase, while automated expense reports and a centralized audit trail speed reconciliation and compliance. Integrations with HRIS and accounting systems keep employee records and finance ledgers synchronized.",{"_uid":4110,"title":4111,"component":3007,"description":4112},"2a4ab09b-89bf-4d05-9508-69cfd5da0ff5","Can Spendesk help with employee reimbursements for HR teams?",{"type":92,"content":4113},[4114],{"type":95,"content":4115},[4116],{"text":4117,"type":101},"Spendesk simplifies employee reimbursements by automating receipt capture, expense classification, and payroll-ready reimbursement exports. Spendesk mobile receipt capture and pre-filled expense reports reduce manual entry, while configurable approval flows and policy controls ensure compliant payouts. Direct bank reimbursement exports and integrations with payroll systems accelerate finance processing and reduce reconciliation time.",{"_uid":4119,"title":4120,"component":3007,"description":4121},"3c15a730-525a-442d-9aaf-ec6796738345","What features does Spendesk offer to align HR budgets with finance?",{"type":92,"content":4122},[4123],{"type":95,"content":4124},[4125],{"text":4126,"type":101},"Spendesk aligns HR budgets with finance through real-time budget controls and tracked spend categories that provide clarity on headcount-related expenses. Spendesk virtual cards and dedicated budgets enforce spending limits, while customizable approval rules and detailed reporting enable forecasting and variance analysis. Accounting and ERP integrations synchronize budget data across systems for centralized planning and accurate financial oversight.",{"_uid":4128,"title":4129,"component":3007,"description":4130},"2c5cc117-ce0c-4a24-bf17-2dbb11ccea1e","How does Spendesk integrate with HR and accounting systems to reduce manual work?",{"type":92,"content":4131},[4132],{"type":95,"content":4133},[4134],{"text":4135,"type":101},"Spendesk integrates with HR and accounting systems via native connectors and an open API that automate employee sync and transaction posting. Spendesk automatically maps expenses to general ledger codes, syncs employee data for pre-authorized spend, and exports approved transactions in accounting-ready formats. Automated invoice capture and reconciliation reduce manual bookkeeping and shorten month-end close cycles.",[4137],{"cta":4138,"_uid":4139,"title":4140,"eyebrow":4147,"subtitle":4150,"component":183,"textAlign":71,"sectionSettings":4153,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":71},[],"201b5eca-ab49-4583-8cad-090099b51ba5",{"type":92,"content":4141},[4142],{"type":183,"attrs":4143,"content":4144},{"level":185},[4145],{"text":4146,"type":101},"Streamline Hr And Finance Processes — FAQ",{"type":92,"content":4148},[4149],{"type":95},{"type":92,"content":4151},[4152],{"type":95},[],[4155],{"_uid":4156,"hide":29,"theme":3472,"anchorId":71,"component":3473,"spacingTop":71,"hideOnDevices":4157,"spacingBottom":71,"floatingImages":4158,"variableOverrides":4159},"10c306b8-fc8a-4951-a78d-9b972d630a39",[],[],[],"streamline-hr-and-finance-processes","blog/streamline-hr-and-finance-processes",-370,[],"208293ac-debd-491e-b5cf-67f0174c5b3b","2024-08-09T17:02:09.681Z",[],[4168,4169,4170],{"path":4161,"name":26,"lang":37,"published":26},{"path":4161,"name":26,"lang":39,"published":26},{"path":4161,"name":26,"lang":41,"published":26},[4172,4173,4174,4175],["Reactive",3995],["Reactive",3192],["Reactive",3383],["Reactive",3587],1788278776986]