Provider Plans — ENTERPRISE

Enterprise spend infrastructure for complex care organisations

Financial governance, cost recovery and audit-ready controls for large NDIS, group, child and government-adjacent care providers.
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Designed for Enterprise Care Providers

Participants struggling to use traditional bank apps

Who SpendAble is built for

Large providers with 100+ participants, multi-site organisations, government and government-adjacent services.

What SpendAble solves

What SpendAble solves

Unrecovered spend, manual reconciliation, compliance exposure and limited financial visibility.

Why SpendAble

Why SpendAble

The only platform supporting NDIS Quality & Safeguards Standard 4 requirements and Environmental Restraint through role-based controls.

Get Started with SpendAble

How to get started

Get set up and going in as little as two weeks. Roll outs, training and security assessments tailored to your organisation

What is SpendAble?

SpendAble is an enterprise card and spend management platform purpose-built for complex care environments.

It sits between participants, support teams and finance systems to administer everyday, non-NDIS and group expenses in a controlled, compliant and fully traceable way.

Unlike generic expense tools, SpendAble is designed for environments where multiple users interact with the same funds and strict governance is required.
What is SpendAble?

Why SpendAble is the platform of choice of Enterprise Care Providers

The Problem

SpendAble Solution

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Lost and unrecovered spend — Group activities and shared costs are often under-recovered or missed entirely.

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Manual reconciliation — Receipts, statements and support worker reporting are manually matched, consuming finance time and increasing errors.

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Governance and compliance exposure — Shared cards and home-grown systems create gaps against Quality & Safeguards and Environmental Restraint requirements. 

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Crisis-driven calls and issues — Leadership teams lack real-time, participant-level financial reporting.
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Guaranteed cost recovery — Funds are pre-loaded and allocated before spending. Every transaction is tied to a participant or group. 

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Automated reconciliation — Role-based card ownership removes the need for manual receipt matching.

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Built-in compliance controls — Supports NDIS Quality & Safeguards Standard 4 requirements and Environmental Restraint through controlled participant access and full audit logs.

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Board-ready reporting — One-click reporting for trustees, families, fund managers and executive teams.

Why Enterprise organisations choose SpendAble

SpendAble is the only platform designed to support both Quality & Safeguards Standard 4 obligations and Environmental Restraint requirements through role-based card and user controls.

It is built as infrastructure, not an add-on app, making it suitable for large-scale, high-risk environments.
Why choose SpendAble

What SpendAble Replaces

cash management

Home-grown systems

Built to solve yesterday’s problems. Custom tools often lack role-based controls, real-time visibility and defensible compliance as organisations scale.

Support worker cards

Corporate bank cards

Operationally convenient, governance-heavy. Bank cards limit traceability, increase compliance exposure and make audits slow and high-risk.

budgeting

Generic expense platforms

Designed for general business use. These tools don’t support participant-based spend, complex role structures or Environmental Restraint requirements.

Enterprise-grade, secure and deployment-ready

Control your money
Implementation and rollout
Connect your Xero account to SpendAble
Integrations
Map your SpendAble wallets to Xero
Security and governance

Implementation and rollout

Designed to reduce delivery, change and operational risk

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Enterprise onboarding aligned to security, RFP, KYC and governance processes

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Executive and board alignment support, including change and risk documentation

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Pilot rollout across a team, house or region before wider deployment

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Controlled expansion across the organisation within 1–3 months

Integrations

Built to fit within existing enterprise systems

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Integrates with established finance and technology environments

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Xero integration live and in production + more coming soon

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Custom integrations delivered to meet broader enterprise and government requirements

Security and Governance

Enterprise-grade security and compliance controls

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Single Sign-On (SSO) and Multi-Factor Authentication (MFA) for secure access management

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Role and user-based access control across users and cards

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Comprehensive audit logs for traceability and assurance

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Australian data hosting with ongoing security testing

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"The product is efficient, time-saving, modern, dignified, and gives people back access and power over their own funds, while still
providing necessary safeguarding."

SIL Operations Manager
Large Faith-based Community Services Provider
View Enterprise Case Studies

We're trusted by Australia's leading care providers — but don’t just take our word for it

“SpendAble provides our clients with choice and control, all the information is updated in the app and it holds all of our proof of purchases.  It’s a pleasure using a product like SpendAble”
Mandy
Service Provider
“SpendAble is the best platform I have ever used to track my money. It helps me track what I spent, what the items I bought look like and keeps my support workers and I accountable for my spending. If you live with a disability, you won't regret giving SpendAble a go”
Pete
Participant
“Great team that truely care about empowering participants to manage their money. We recommend SpendAble to any provider looking to increase transparency, accountability and ease of money handling in the NDIS”
John
Service Provider
“My support workers can transact on my behalf without giving out my bank card or cash ever again. My life has completely changed with SpendAble”
Chris
Participant
“Highly recommend SpendAble, their product makes managing money simple - a well thought out product”
Jonathon
Provider
“SpendAble provides our clients with choice and control, all the information is updated in the app and it holds all of our proof of purchases.  It’s a pleasure using a product like SpendAble”
Mandy
Service Provider
“SpendAble is the best platform I have ever used to track my money. It helps me track what I spent, what the items I bought look like and keeps my support workers and I accountable for my spending. If you live with a disability, you won't regret giving SpendAble a go”
Pete
Participant
“Great team that truely care about empowering participants to manage their money. We recommend SpendAble to any provider looking to increase transparency, accountability and ease of money handling in the NDIS”
John
Service Provider
“My support workers can transact on my behalf without giving out my bank card or cash ever again. My life has completely changed with SpendAble”
Chris
Participant
“Highly recommend SpendAble, their product makes managing money simple - a well thought out product”
Jonathon
Provider
“Amazing team that actually care about the community. Highly recommend SpendAble!”
Luke
Participant
“Working with the team from SpendAble is always a genuine business partnership, focussed on real life solutions towards empowering and supporting some of the most vulnerable members of our communities."
Daniel
Service Provider
“SpendAble has been a life change for our family, our son and his support team. It has helped our son develop essential and necessary money handling skills, while ensuring an invaluable layer of accountability, responsibility and transparency which protects our son and his dedicated support team”
Deb
Parent
“Could not speak more highly of the SpendAble team. Their timely, friendly and approachable manner with either tech support or questions in relation to their SpendAble solutions is top notch. Their passion and knowledge in relation to the products is second to none - You're in safe hands with SpendAble!”
Emma
Provider
“SpendAble has been wonderful in customising a program for the person I referred. The flexibility and time they spent in ensuring their program will work for the person is amazing. A great resource.”
Sue
Support Coordinator
“Amazing team that actually care about the community. Highly recommend SpendAble!”
Luke
Participant
“Working with the team from SpendAble is always a genuine business partnership, focussed on real life solutions towards empowering and supporting some of the most vulnerable members of our communities."
Daniel
Service Provider
“SpendAble has been a life change for our family, our son and his support team. It has helped our son develop essential and necessary money handling skills, while ensuring an invaluable layer of accountability, responsibility and transparency which protects our son and his dedicated support team”
Deb
Parent
“Could not speak more highly of the SpendAble team. Their timely, friendly and approachable manner with either tech support or questions in relation to their SpendAble solutions is top notch. Their passion and knowledge in relation to the products is second to none - You're in safe hands with SpendAble!”
Emma
Provider
“SpendAble has been wonderful in customising a program for the person I referred. The flexibility and time they spent in ensuring their program will work for the person is amazing. A great resource.”
Sue
Support Coordinator
“The team at SpendAble are amazing - focused on the outcomes for the people that matter, and responsive to individual's support requirements. Very easy to work with as well!”
Lachlan
Service Provider
“SpendAble are really changing sector with their targeted, impactful solution to making quality and transparency easy!Cannot think of a better product on the market!”
Jesse
Support Coordinator
“SpendAble are really making a difference in the disability sector and great to work with.Highly recommend the work that they are doing!”
Sebastian
Service Provider
“SpendAble has been a game-changer for NDIS participants! The user-friendly platform simplifies budgeting and tracking and their knowledgeable and caring team provides personalised support, making financial management stress-free! I would highly recommend their services!”
Celine
Behavioural Support Practitioner
“The SpendAble team are doing great work addressing some of the critical financial process gaps that exist in the healthcare space for individuals to have better access to the care they need.”
Steve
Healthcare
“The team at SpendAble are amazing - focused on the outcomes for the people that matter, and responsive to individual's support requirements. Very easy to work with as well!”
Lachlan
Service Provider
“SpendAble are really changing sector with their targeted, impactful solution to making quality and transparency easy!Cannot think of a better product on the market!”
Jesse
Support Coordinator
“SpendAble are really making a difference in the disability sector and great to work with.Highly recommend the work that they are doing!”
Sebastian
Service Provider
“SpendAble has been a game-changer for NDIS participants! The user-friendly platform simplifies budgeting and tracking and their knowledgeable and caring team provides personalised support, making financial management stress-free! I would highly recommend their services!”
Celine
Behavioural Support Practitioner
“The SpendAble team are doing great work addressing some of the critical financial process gaps that exist in the healthcare space for individuals to have better access to the care they need.”
Steve
Healthcare

Want to save time and money with Australia's #1 money handling solution for providers?

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Chris Kessaris, SpendAble CFO