Why Generalist Expense Cards Fail at SaaS Management


Spendesk is built for coffee runs, client dinners, and travel receipts. It treats a £50,000 mission-critical software renewal the same way it treats a £50 Uber ride - as just another transaction.

But in a modern tech company, software isn't just an expense; it's infrastructure. Using a generalist T&E card for SaaS leaves you exposed to:

The "Zombie Spend" Cycle:

Generalist cards are often shared across teams. When an employee leaves, the subscription keeps billing because the card remains active. Cledara issues one virtual card per subscription, giving you a "kill switch" for every vendor.

Missed Renewals:

Spendesk tracks payments, not contracts. Cledara’s specialized renewal radar alerts you 30, 60, or 90 days before a contract auto-renews, giving you leverage to negotiate or cancel.

Shadow IT Blindspots:

Generalist cards hide the context of the purchase. Cledara captures the purpose and owner of every tool before money leaves the building.

Governance for the AI Era: Bridging Finance and IT


In the age of AI, software spend is no longer just a Finance problem—it’s an IT security risk. Generalist platforms like Spendesk create silos where Finance sees the invoice, but IT remains blind to the tool.

Cledara is the only platform designed to unite Finance and IT:

  • Consumption Control: AI tools like OpenAI or GitHub Copilot bill on consumption (tokens), not just seats. Cledara allows you to set strict variable budget caps that generalist cards can't handle, preventing "bill shock" from runaway API usage.
  • Compliance by Default: While Spendesk focuses on attaching receipts, Cledara focuses on attaching compliance. Ensure every tool has passed security vetting (SOC2, GDPR) before a card is even issued.

“We were using Spendesk but it wasn’t great because we couldn’t see who owned each subscription or who was using it. It could only track
some software spend. Cledara changed how we managed software and made life a lot easier.”

Portrait of Nathan Humphreys

Peter Fallowfield, Solidatus

Portrait of Peter Fallowfield

“I love having the ability to give control to other department leads. It empowers them and takes so much off our plate. I know it’s secure and we can still control the spend.”

Medina Mammadova, Seatfrog

“Cledara immediately surfaced 15% more subscriptions we hadn't heard of and automatically linked them to our account so that I could look for the owner, understand the costs, and reach out to the provider to renegotiate.”

Nathan Humphreys, Jiminny

How Cledara helps

Now you can have full control over your biggest expenses

Spend management tools like Spendesk are great for daily expenses, but they only manage a small percent of your spending and don't have the tools you need to control spend across Software, Cloud and Advertising.

See where you’re overspending and painlessly reduce spend

Cledara highlights opportunities to reduce spend on tools with low usage, and overlapping features.

How Cledara compliments Spendesk

Spendesk
NEGOTIATION SERVICES
G
Cashback
Spendesk
NEGOTIATION SERVICES
Usually not available
1% of EEA and UK (1st year only)
2% in the US (uncapped)
Software payments
Set spending limits for each tool and cancel tools in a click.
Spendesk
NEGOTIATION SERVICES
Software usage
See how much software apps are being used (or not), and by whom.
Spendesk
NEGOTIATION SERVICES
Software approval flows
Avoid surprises and duplicate purchases.
Spendesk
NEGOTIATION SERVICES
Software spend visibility
Get alerted to price changes, review unused seats, spot duplicates and overlaps on your stack.
Spendesk
NEGOTIATION SERVICES
Software budgeting
Foresee how much software will cost you per team, and over time.
Spendesk
NEGOTIATION SERVICES
Informal SaaS
Bring unauthorized tools under your radar.
Spendesk
NEGOTIATION SERVICES
Onboarding and offboarding
Connects to your HR system to let you know who to onboard and offboard and when to do so.
Spendesk
NEGOTIATION SERVICES
Software compliance
Collaborate with internal and external stakeholders to gather the information required for ISO27001 and SOC2.
Spendesk
NEGOTIATION SERVICES

Get Cledara

Join these companies using Cledara to manage their software subscriptions

+1000 customers in 29 countries

FAQ

Can Cledara replace Spendesk completely?

Yes. Cledara is a complete spend management platform. Cledara Core handles your software and subscription lifecycle, while Cledara Spend handles employee travel, entertainment, and ad-hoc expenses. You get the specialization of a SaaS tool with the breadth of a corporate card solution.

Why is Cledara better for software companies?

Software companies have unique spending patterns—up to 85% of their non-payroll spend is on SaaS. Spendesk is built for travel and receipts (T&E), which is a shrinking pie. Cledara is built for the 85% of your budget that drives your business, offering specific features for renewals, consumption-based AI pricing, and IT security.

Does Spendesk integrate with NetSuite?

Spendesk offers a NetSuite integration, but user reviews frequently cite issues with data sync stability and configuration. Cledara offers a deep, pre-validated NetSuite integration that respects your custom segments, subsidiaries, and amortization schedules, designed specifically to handle complex subscription accounting.