Corporate Card Monitoring Built on Your M365
SpendGuard watches every corporate card transaction for FBT exposure, policy breaches, and fraud, with alerts and dashboards in your existing Microsoft 365. No new software to install, no new logins for your team, and your transaction data is stored in your own tenant.
Free 3-month health check · Setup from $3,500 fixed price · Running from $599/month
Not sure where your card spend is leaking?
Take the free Corporate Card Risk Scorecard. Answer 10 quick questions and get an instant risk score, your likely FBT exposure, and the specific gaps a review would flag — the same checks SpendGuard runs on your real data, in self-serve form.
Your FBT options depend on your records
Three reasons corporate card entertainment and spend are worth watching as they happen, not at year-end.
Your records decide which FBT method you can use
The ATO lets you value meal entertainment with the actual value method, the 50:50 split method or the 12-week method. The actual value method counts only spend on employees and their associates, but needs records of who attended. Most businesses keep none of this at the time of the transaction. SpendGuard captures it at point of expense.
Records rebuilt at 31 March are weaker
Attendees and business purpose pieced together at year-end from card statements and calendars are less reliable than records made at the time. The cardholder may not remember, or may have left the business.
Policy breaches are a board governance issue, not just an admin problem
Repeated spend policy breaches (personal purchases on company cards, unapproved vendor use, split transactions to avoid approval thresholds) are a control failure, not just an HR matter. Finance teams need systematic evidence that controls are working.
Real-time monitoring with a full audit trail gives you records to show your tax agent, auditor or board, rather than a reconstruction from monthly statements. More in FBT and corporate cards.
Four detection modules. One managed service.
Policy Checker
Every transaction is scored against your spend limits, approved merchant categories, and approval matrix. Personal spend MCCs, split transactions designed to avoid approval thresholds, and out-of-policy vendors are flagged in real time before the reconciliation cycle.
FBT Detector
Automatically identifies entertainment, meal, and benefit transactions subject to FBT. Captures attendee counts and business purpose at point of expense to support the actual method. Tracks the April–March FBT year and generates RFBA data for payroll integration.
Fraud Scoring
Every transaction receives a 0–100 risk score built on velocity anomalies, after-hours patterns, personal spend merchant codes, and transaction splitting signatures. High composite scores surface immediately for finance team review — not at month-end.
Supplier Check
New or unregistered vendors are automatically flagged for approval before spend continues. Detects procure-to-pay leakage where card spend bypasses the approved vendor register. Screens against your approved supplier list on first transaction with any new merchant.
Your data is stored in your Microsoft 365 tenant
Most expense monitoring tools store your transaction data in their own cloud. SpendGuard does not. The detection engine runs in SecureLoop's Azure tenant: it reads your transaction data from your Microsoft 365 tenant through an API, scores it, writes the results back to your tenant and keeps no copy.
Card data ingested
Xero, MYOB, SAP Concur, Basiq bank feeds, or OFX/CSV dropped to a SharePoint folder. The data lands in your M365 tenant.
Detection runs via API
The SpendGuard Engine reads your data through an API with a subscription key. Results and risk scores are written back to your Power BI dataset, and the engine keeps no copy.
Alerts in your Power BI
Your finance team sees alerts, FBT summaries, and dashboards in Power BI with their Microsoft 365 sign-in. Viewers need a Power BI Pro licence, which we can supply.
Transaction data is processed and stored within Australia. Read-only access is used at all times — SpendGuard cannot initiate, modify, or cancel any payment or transaction.
Fixed price. No surprises.
One setup fee, one monthly subscription based on your cardholder count. No per-transaction charges, no annual contracts on day one.
Starter
Up to 20 cardholders
- All four detection modules
- Power BI dashboard (6 pages)
- Xero or MYOB integration
- FBT actual method tracking
- Email alerts
- Monthly review call
Business
21–60 cardholders
- All four detection modules
- Power BI dashboard (6 pages)
- Xero, MYOB, or SAP Concur
- FBT actual method + RFBA export
- Real-time Slack/Teams alerts
- Fortnightly review call
- Custom policy rules
Enterprise
61–200 cardholders
- All four detection modules
- Power BI dashboard (6 pages)
- All integrations inc. Basiq CDR
- Full FBT reporting package
- Real-time alerts + webhook
- Weekly review call
- Custom approval matrix
- Priority support SLA
Whoever is responsible for card spend accuracy
CFOs and Finance Managers
- Real-time visibility across all cardholders — no monthly reconciliation delays
- FBT liability quantified per transaction, not just at year-end
- Board-ready evidence that spend controls are working
- ATO audit trail maintained automatically
Finance Teams
- Alerts surface exceptions before they become a problem
- Policy breaches flagged at transaction — not at reconciliation
- FBT attendee data captured at point of expense, not chased later
- Month-end close faster with fewer surprises
Business Owners
- Know immediately if a card is being misused
- Stop paying for personal expenses accidentally charged to the business
- Protect against supplier fraud and P2P leakage
- Systematic monitoring your accountant and board can point to
See what's hiding in 3 months of card data
Export 3 months of corporate card transactions from your expense system or bank — we run them through the SpendGuard engine and return a plain-English report showing:
FBT exposure estimate
How much FBT liability is sitting in your entertainment and meal spend, and what the actual method would save versus your current approach.
Policy breach count
How many transactions in those 3 months would have been flagged by a standard corporate card policy — and the dollar value they represent.
Fraud risk flags
Any transactions with high fraud risk scores — velocity anomalies, personal spend patterns, or split transaction signatures in your actual data.
New vendor exposure
A count of merchant relationships that would not pass a first-use supplier check, and what categories they fall into.
No commitment. No software to install. Just send us the CSV and we do the rest.
Book the free health checkFrequently asked questions
See what's in your card data before the ATO does
Book a free 30-minute call. We will walk through the health check process, show you a live demo of the Power BI dashboards, and give you a fixed-price quote based on your cardholder count.
Brisbane QLD · Serving all of Australia · Fixed-price setup from $3,500