Live demo
The subscriptions a card tool can’t see.
A sample scan of a fictional company’s books, run by the same engine you would connect to QuickBooks or Xero. The marked rows were paid by ACH or invoice, so a card feed does not show them. Not an audit.
In this sample ledger, $1,652 of $2,237 in monthly software spend is paid by ACH or invoice, so a card feed does not show it.
Subscriptions read9
Monthly software spend$2,237
Not on a card feed$1,652/mo4 subscriptions on ACH, bank debit, or invoice
These figures come from a sample ledger, not a real client. The vendors and amounts are made up to show the shape of a finding. Upload your own export and the numbers are yours.
| Vendor | Cadence | Payment rail | Monthly | Card tools |
|---|---|---|---|---|
| Datadog | monthly | ACH / bank | $890 | Not on card |
| Gusto | monthly | ACH / bank | $312 | Not on card |
| OpenAI ChatGPT | annual | ACH / bank | $250 | Not on card |
| HubSpot | annual | ACH / bank | $200 | Not on card |
| Anthropic Claude | monthly | Card | $150 | Sees it |
| Zoom | monthly | Card | $150 | Sees it |
| Figma | monthly | Card | $144 | Sees it |
| Slack | monthly | Card | $96 | Sees it |
| Canva | monthly | Card | $45 | Sees it |
$19,824 a year of this company’s software spend never crosses a card.
Run the same audit on your clients’ ledgers, with separate workspaces and reports carrying your firm’s name.
Card required. Nothing charged until the trial ends. Then from $60/mo (4-client minimum).