EUROPEAN SPEND MANAGEMENT FOR FINANCE TEAMS

Spend management.
Decide with confidence.

Simplify spend management with the modules your finance team needs: expense reports, corporate cards or accounts payable. Automate receipt capture and approval workflows while your team stays in control of spend decisions.

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4.7 (5,000+ reviews)

Trusted by 22,000 companies · Hosted in Europe · ISO 27001 certified · GDPR compliant · Peppol access point

N2F business spend management software showing budget and expense tracking on desktop, a mobile expense report and a corporate payment card.

22,000+ companies across Europe, from SMEs to international groups

Spend management modules that fit your needs

Start with one module. Scale business spend management as your organisation grows.

Expense reporting and management

Capture receipts with the mobile app and manage expense reports in 13 languages, with VAT recovery and country-specific tax rules.

N2F mobile expense management app showing an employee expense report with receipt counts, expense categories and transaction amounts.

3-second smart scan
AI-powered error detection
Seamless accounting integration

Corporate card management

Set employee spending limits, track corporate card transactions and match payments with expenses to simplify bank reconciliation.

N2F corporate payment cards in purple, orange and black, illustrating the corporate card module for business spend management.

Tailored setup
Smart bank reconciliation
Built-in AI fraud detection

Accounts payable automation

Capture supplier invoices, check for duplicates and organise approval workflows before exporting data to your accounting software.

Supplier invoice illustration with supplier name and date labels for N2F accounts payable and invoice management.

Smart data capture
Request before you spend
Customizable approval flow

Spend management software, easy to deploy

Simplify business spend management

Choose N2F spend management software for expense reports, corporate cards or accounts payable, whether you manage one company or multiple entities. N2F automates every workflow to save time, cut costs, and lock down process reliability.

Smart receipt & invoice capture

Trusted AI for expenses, from receipt to approval

AI automatically reads receipts and invoices, then flags errors, duplicates and fraud attempts. Your approvers review flagged items and approve expenses, keeping accountability with your finance team. Reduce manual processes around receipt and invoice entry. Your data is clean, centralized, and ready to go.

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Real-time spend control

Employee spend management with finance in control

Automate approval workflows and instantly detect duplicates, input errors or fraud attempts. Full visibility. Total control. You are always in charge.

Expense reports

Accounts payable

Spend management success stories

What customers say about managing spend with N2F

“N2F is incredibly fast! Don’t even mention Excel to me anymore.”

Claudine Coudene

Expense Report Manager, France

“N2F is a tool that helps you grow, stay simple, and keep costs low.”

Vincent Mona

CFO

“Employees who use the solution are convinced. In addition, the professionalism of the consultants is a real asset!”

Sophie Ramel

Head of Accounting and Consolidation

Seamless accounting integration

Export expense and invoice data to your accounting system

N2F connects with over 300 accounting software and ERP solutions, including SAP, Oracle NetSuite, Sage, Microsoft Dynamics 365 and DATEV. No friction. No delays.

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Comprehensive and customizable analysis

Track business spending at a glance

Use spend analysis to review expenses across projects, teams, cost centres or legal entities, with custom reporting dimensions that fit your business.

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European spend management for small businesses and international groups

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Spend management trusted worldwide

N2F spend management in numbers

One platform, local rules: NF Z42-013 archiving in France, GoBD in Germany, AEAT in Spain.

22,000

Companies

Languages

Countries

98%

Satisfaction rate

Local onboarding, support based in Europe

Personalised support for your spend management setup

From the first conversation, our team sets up N2F with you, in your language and with your country’s rules.
We tailor the solution to fit your organization, whatever its size.
Once deployed, you benefit from fast, responsive support, fully based in Europe, to assist you every day.

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SPEND MANAGEMENT FAQ

Answers for your finance team

What is spend management software, and how is it different from expense management?

Spend management software helps finance teams oversee company spending across areas such as employee expenses, corporate cards and supplier invoices, while expense management focuses on employee expenses, receipts, approvals and reimbursement processes. N2F offers a modular spend management platform, so you can start with the expense management software, corporate card or accounts payable capabilities your organisation needs. Employees submit expense information, approvers review it against the relevant rules, and finance prepares approved records for accounting.

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How does N2F help manage budgets and spending policies?

Budget tracking and spending policies help finance teams compare spending with available funds and review expenses against company rules. N2F supports budgets by dimensions such as department, cost centre or project, with visibility into committed, spent and remaining amounts. Its expense management controls include configurable approval workflows and limits that can warn or block an expense report, depending on the settings. Budget alerts and expense-policy controls serve different purposes; the configuration and modules selected determine how they apply to your organisation.

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Does N2F integrate with our accounting software?

Accounting software integrations help transfer expense and invoice data into the systems finance teams use for accounting. N2F lists integrations with tools including SAP, Oracle NetSuite, Sage and Microsoft Dynamics 365, alongside accounting export options. The appropriate connection, data format and workflow depend on your software and project scope. Review the integration directory with your team to establish how approved records and analytical information will reach accounting.

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Can employees use the mobile app to capture receipts and submit expenses?

Employees can use a mobile expense management app to photograph receipts and submit business expenses for approval. N2F’s mobile app supports receipt capture and expense reporting, while its OCR extracts information such as the amount, date, VAT, supplier and currency. Employees can review the captured information before submitting their expenses, and approvers assess reports through the configured workflow. This connects mobile expense tracking with the finance team’s approval process.

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Can we start with one spend management module and add others later?

You can start with the spend management capabilities your organisation needs today and consider additional modules as your requirements grow. N2F offers expense management, corporate cards and accounts payable through a modular approach. Your initial scope, integrations and options for expansion are agreed during project scoping, so your finance team can plan around its priorities.

Discuss your spend management needs

How does spend analysis help finance teams track business spending?

Spend analysis helps finance teams understand where business money is going by reviewing expenses across categories, periods and organisational dimensions. N2F provides reporting and analytics across projects, teams, cost centres and legal entities. These views help your team examine spending patterns and prepare reports around the way your organisation works.

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