Releasenotes February 2025

Cash & Card Module

Standard Global coverage for online payments

Online payments made with the Spend Cloud Card now come with standard global coverage. This reduces the likelihood of errors, such as declined transactions due to card setting restrictions. Security remains our top priority, which is why we continue to use 3D Secure (3DS) to ensure optimal payment protection.

However, countries designated as unsafe remain excluded from this global coverage. For more details, please refer to this DIRK article.

Activating a replacement Spend Cloud Card

If you have received a replacement Spend Cloud Card, you can now activate it yourself as the designated cardholder, both via the web and app versions of the Spend Cloud. This can be done without the intervention of the Cash & Card administrator. However, the administrator still has the option to activate the card via the web version.

The designated cardholder will receive a confirmation email in the following cases:

1. When a replacement Spend Cloud Card has been requested.
   
2. When the replacement Spend Cloud Card has been activated.
   

Additionally, in the web version of the Spend Cloud, replacement cards will no longer appear as a second card in the card overview. Instead, they will be merged with an already activated card, with an extra icon for clarification.

Upon receiving the card, the card number can also be found on the envelope window.

The above update applies only to Spend Cloud Cards and not to bunq cards.

Liable card owner

Your Spend Cloud Card (both new and replacement cards) can only be activated once a liable card owner
has been assigned and a ledger has been linked. This ensures clear accountability for the card, allowing the responsible individual to activate Apple Pay and Google Pay and confirm online payments via the app.

Spend Cloud App

Google Pay now available for all Spend Cloud Android users

Do you have an Android phone and the Spend Cloud App? You can now add your Spend Cloud Card to your phone’s wallet, allowing you to make in-store payments easily with your digital wallet instead of your physical card. This is powered by Google Pay. Read this DIRK article
to learn how to set up Google Pay. 

Confirming Online Payments

From now on, you can confirm online payments not only via push notifications but also directly from the dashboard. If you miss a push notification, you can always find the confirmation on your dashboard.

Payment details

If a payment fails, you will immediately receive a push notification with the reason. If the issue is due to exceeding the card limit or insufficient balance, tapping the notification will automatically redirect you to a screen with additional transaction details. See an example here:

Invoice Processing Module

The improved AI-driven solution (Smartscan) is now the standard in invoice processing

Invoice processing in the Spend Cloud is now smarter and more efficient than ever. With advanced AI-powered text recognition, relevant invoice details are automatically extracted and pre-filled in the coding menu. Whether an invoice is manually uploaded or received via the mailbox, this enhancement speeds up processing while reducing manual effort.

Additionally, we have introduced a feedback loop to continuously improve recognition accuracy. When an invoice is exported, the final invoice data is fed back into the system to refine future processing. This means fewer corrections and an increasingly efficient workflow.

Read more about this functionality in the DIRK article. 

General

Improved design for notification emails

For actions such as requesting a new password, you automatically receive system-generated emails from the Spend Cloud. Based on user feedback, we have redesigned these emails to better align with the fresh look and feel of the Spend Cloud. In addition to a more modern design, the content has also been improved: subject lines and text are now clearer and more concise, and you are directly linked to the relevant section in the Spend Cloud. This applies to all system-generated emails you receive. This improvement has now been activated across all environments.

Read more about this update in the DIRK article.

Spend Cloud Tip!

Accelerating the invoice processing workflow doesn’t have to be complex or time-consuming. Within the relationship settings, there is an option to skip the Encoding step for fully pre-coded invoices. This means that after arriving in the Mailbox, the invoice is sent directly to the Reviewer.

This feature saves the finance team significant manual work while maintaining control. Encoding is typically pre-set by those with the right expertise, while the reviewer can still perform a final check before invoices are (automatically) exported.

Want to enable this setting for all relationships? Read more in DIRK.

Coming soon 

More efficient invoice coding with smart suggestions

To further streamline invoice coding, we are continuously improving the process. Using intelligent suggestions based on historical data, Spend Cloud will offer recommendations, such as proposing a general ledger account based on frequently used entries. This helps speed up invoice processing while minimizing manual input.

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