Receipts added straight after the payment
Employees add receipts and invoices on the go, while the payment is still fresh. The card transaction is already in the claim, so the receipt is the only thing they add.
Expense management software for multi-entity finance teams
Fyorin is expense management software for finance leads at multi-entity groups with a UK presence. Each claim builds itself from company card spend: name the claim, set its coverage period and link a card, and every transaction lands in it, with receipts added on the go and finance reviewing only where needed.
- 5 to 10 day onboarding
- No lengthy IT project
- ISO/IEC 27001:2022 certified
- cards issued since 2022
- 40,000+ cards issued since 2022
- businesses in 20+ countries and 22 industries (2025)
- 500+ businesses in 20+ countries and 22 industries (2025)
- transaction volume in 2025
- €1bn+ transaction volume in 2025
- platform uptime in 2025
- 99.95% platform uptime in 2025
How finance leads at multi-entity groups run expenses today
Finance teams at multi-entity groups usually run expenses on one of four setups. Each one leaves the expense report to be built manually, after the money has already gone.
- Personal cards and expense claims Every expense becomes a reimbursement to process, and receipts sit in wallets and inboxes.
- High-street bank cards, opened entity by entity Statements get re-keyed into the ERP, and intercompany costs are split manually.
- Neobank cards with capped limits Limits stop short of what a group spends.
- Spend platforms with cardholder-owned cards Each card is tied to a person, so it has to be replaced whenever someone leaves.
Fyorin starts with the card, so the claim builds itself.
Expense claims built from company card spend
Name the claim, set its coverage period and link a card, and every transaction on that card in the period is added to the claim automatically. The claim then routes for approval, so finance reviews only where needed.
- 1Name the claim
- 2Set its coverage period
- 3Link a card
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Step 1
Card spend
A payment on the card linked to the claim.
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Step 2
Claim
Added automatically inside its coverage period.
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Step 3
Approval
Routed by value and entity, signed off on mobile.
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Step 4
Recharge
Charged to the right entity the moment it is submitted.
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Step 5
ERP
Posts and reconciles through a native two-way sync.
Employee expense management with receipts and mobile approvals
Receipts arrive at the point of spend, and each claim reaches the person who should sign it. More on employee expense management with company cards.
A card with no receipt can be blocked instantly
Finance closes gaps during the month, while the person who paid can still find the receipt.
Approvals that follow your structure
Value-based and cross-entity permissions route each claim to the right approver, who signs off on mobile, and multi-level user permissions define who can do what. Approvers need no per-entity ERP licence.
See employee expense claims built from card spend on your own entities.
Book a demoHow does expense management software handle VAT across entities?
Fyorin recharges each expense to the right entity the moment it is submitted, using the VAT, entity and country mapping you set once.
Intercompany splits stop being a spreadsheet you rebuild every month, and each entity's books carry their own costs.
Two-way ERP sync with NetSuite, Xero and Sage
Native two-way ERP sync means card transactions post and reconcile in your ERP. Procurement and PO approval stay where they are: Fyorin picks up once a payment is ready to move.
- NetSuite
- Microsoft Dynamics
- Sage
- Xero
- QuickBooks
- Zoho
- Odoo
- Acumatica
Typical client result
120 hours a year saved
Thought3D
About 8 hours a month saved, and €40k a year
Expense reporting across the group, scheduled or by API
Schedule reports to land in the finance inbox, start from pre-built reports and connect your BI tools through an API.
A balance report shows where funds stand across every account and company, without building it each month.
Expenses software with its own Mastercard Commercial Debit cards
Fyorin issues its own Mastercard Commercial Debit cards, and spend on them flows straight into claims, so the card programme and the expense process share one record.
- Mastercard Commercial Debit
- Virtual and physical cards, issued in GBP, EUR and USD in under a minute.
- Prepaid or debit, card by card
- Prepaid guarantees the balance to the card. Debit sets a limit on the card that draws on the linked account.
- Limits from €5,000 to over €200,000
- Real-time limits and merchant controls on every card.
- Owned by the business
- Cards outlive the employee. Revoke or reissue access instantly when a role changes.
- Virtual cards at no charge
- Free to issue and use. Virtual cards are valid for up to 3 years, physical cards for up to 5.
- Cashback on card spend
- Card spend earns cashback while it flows into your claims.
Top 3 Travel
Card issuance from 2 weeks to under 1 minute, and 20+ days a year saved
“Fyorin has helped us save plenty of time through the use of virtual cards - an easy way to manage company spend - whilst also allowing us to empower our people and speed up the approval process. Highly recommended if you're looking for a simple solution to everyday finances.”
Accounts, payables, receivables and treasury on one login
Fyorin also runs business accounts in 100+ currencies, payables, receivables and treasury. Start with expenses and add the rest later under the same login.
- Expenses Start here
- Cards GBP, EUR, USD
- Accounts 100+ currencies
- Payables Payment runs
- Receivables Get paid
- Treasury Group cash
Elitavia, on payables
Payment runs from 5 days to 1, 48 days a year saved and €40k+ a year
One onboarding, one login.
See cards and claims working from the same record in a demo with your finance team.
Book a demoHow should finance leads at multi-entity groups choose expense software?
Finance leads at multi-entity groups should test six things before they choose: how spend enters the system, approvals, recharging and VAT, the ERP connection, travel and spend controls, and the platform around it. A group with several entities, currencies and VAT regimes needs all of them handled in one place, with the right numbers in the right ledger.
How spend enters the system
If employees pay personally and claim it back, every expense becomes a reimbursement. Expenses software that issues its own cards records spend at the moment of payment, and the employee only adds the receipt.
Approvals that match your structure
Rules should follow value and entity, so a large cost in one subsidiary reaches the right approver without a manual hand-off, and a small one does not wait in a queue.
Recharging and VAT
Recharging should happen when a cost is submitted. With VAT, entities and countries mapped once, finance stops rebuilding intercompany splits at month-end.
The connection to your ERP
A one-way export still leaves reconciliation to do. A native two-way sync posts and reconciles card transactions in the ERP itself, while purchase orders stay where they are.
Travel and spend controls
Look for travel expense management and spend management in the same tool: cards per trip, limits that apply in real time, and rules by merchant, geography and time window.
The platform around it
Fyorin runs expense management next to business accounts, payables, receivables and treasury, so you can start with expenses and add modules without a second onboarding.
The right expense management software gives finance one view of spend across every entity and currency, with controls that apply before money leaves the account.
Questions about switching to Fyorin
Straight answers on bank cards, your ERP, onboarding and regulation.
Book a demoWho is Fyorin expense management software for?
Fyorin is for finance leads at multi-entity groups with a UK presence. It fits groups that run cards, claims and approvals across several entities and need each cost posted to the entity that carries it.
We already have bank cards. Why move expenses to Fyorin?
Fyorin puts the cards, the claims and the ERP posting on one platform. A high-street bank card programme is usually opened entity by entity, and its cards sit outside your expense process. Fyorin cards belong to the business, run as prepaid or debit card by card, and every payment lands in a claim that posts to your ERP.
Does Fyorin replace our ERP?
No. Procurement and PO approval stay in your ERP, and Fyorin picks up once a payment is ready to move. Card transactions then post and reconcile in the ERP through a native two-way sync.
How long does it take to get started?
Onboarding takes 5 to 10 days, with about an hour of ERP mapping and no lengthy IT project. Cards are issued in under a minute once you are live.
Can we start small?
Yes. Start with one module, such as expense management, and add cards, accounts, payables or receivables later under the same login.
Is Fyorin secure and regulated?
Yes. Fyorin is ISO/IEC 27001:2022 certified. The Fyorin Mastercard cards are provided by Moorwand Ltd, which is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011. Fyorin does not hold funds or take part in the flow of client money.
Where is the expense report?
Each claim is its own expense report, with the card transactions, the receipts and the approval in one record that posts to your ERP. Finance can also schedule reports to the inbox, start from pre-built reports and connect BI tools through an API.
Spend, employee and travel expense management on Fyorin
Book a demo of Fyorin expense management software
Bring your entities and your ERP. In the demo you will see claims built from card spend, approvals by value and entity, and every cost posted to the entity that carries it.
- ISO/IEC 27001:2022 certified
- Fyorin does not hold client funds
How to start with Fyorin
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1
A demo on your entities and ERP
See claims, approvals and recharging set up the way your group runs.
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2
Start with one module
Add cards, accounts, payables or receivables later under the same login.
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3
Cards issued in under a minute
Virtual and physical Mastercard Commercial Debit cards in GBP, EUR and USD.