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The subscriptions a card tool can’t see.
This is a real audit of a sample company’s accounting export, run by the same engine you’d connect to QuickBooks or Xero. The highlighted rows never touch a card. A card-native spend tool has no idea they exist.
Audit run against a sample ledger as of May 25, 2026.
In this sample ledger, $1,652 of $2,237 in monthly software spend is invisible to a corporate card tool, because it is paid by ACH or invoice.
Subscriptions found
9
Monthly SaaS spend
$2,237
Invisible to card tools
$1,652/mo
4 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 | invisible |
| Gusto | monthly | ACH / bank | $312 | invisible |
| OpenAI ChatGPT | annual | ACH / bank | $250 | invisible |
| HubSpot | annual | ACH / bank | $200 | invisible |
| 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/year of this company’s software spend never crosses a card. Your books already know about yours.