Corporate Card Monitoring That Lives Inside Your M365
SpendGuard watches every corporate card transaction for FBT exposure, policy breaches, and fraud — running inside your existing Microsoft 365 tenant. No new software to buy, no new logins for your team, and your transaction data never leaves your environment.
Free 3-month health check · Setup from $3,500 fixed price · Running from $599/month
The ATO is actively auditing FBT on corporate cards
Three risk areas have converged for Australian businesses with corporate card programmes in 2025–26, making proactive monitoring essential rather than optional.
FBT actual method — the savings are real, but so is the risk
The actual method for entertainment FBT can cut your liability dramatically compared to the 50/50 split method — but it requires contemporaneous records of who attended, the business purpose, and the cost per head. Most businesses keep none of this at the time of the transaction. SpendGuard captures it automatically at point of expense.
ATO data matching — your card data is already with them
The ATO receives corporate card data from major banks under data matching programmes. If your FBT lodgement does not reconcile with that data, you are already flagged before any audit commences. The question is whether your records can defend the position.
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 increasingly treated as a control failure at board level, not just an HR matter. Finance teams need systematic evidence that controls are working.
Businesses that can demonstrate real-time monitoring with a full audit trail are in a fundamentally different position in an ATO review than those relying on monthly reconciliation or spot checks.
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 stays in your Microsoft 365 tenant
Most expense monitoring tools require you to send transaction data to their cloud environment. SpendGuard is different. The detection engine runs in SecureLoop's Azure tenant, but your transaction data never leaves your Microsoft 365 environment.
Card data ingested
Xero, MYOB, SAP Concur, Basiq bank feeds, or OFX/CSV dropped to a SharePoint folder — data lands in your M365 tenant.
Detection runs via API
The SpendGuard Engine calls your data via an API subscription key — results and risk scores are written back to your Power BI dataset.
Alerts in your Power BI
Your finance team sees alerts, FBT summaries, and dashboards in Power BI — inside your existing Microsoft 365 licence.
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