Conservative
Switching effort: Easy+€1,140/ year
Keep your card, downgrade the plan and remove inactive users.
No new provider. About 15 minutes.
Built for European e-commerce
The independent financial optimization layer for e-commerce.
We check which business card fits your webshop best on cashback, fees, FX costs and bookkeeping automation. When the market or your spending changes, you get an alert with what we would do next — and our AI agent can request the offer for you.
- Independent — no paid rankings
- EU-hosted, GDPR-first
- You decide every step
Alerts · Webshop BV (e-commerce)
SAMPLE DATANew opportunity identified this month
€6,090/ year
Cashback
New
A card now returns more on your ad and supplier spend
€600k/yr at 0.25% today vs. 0.76% eligible after caps
+€3,060
Card & account costs
New
You pay for 8 card users; 3 are inactive
Plan downgrade keeps the same features
+€1,140
FX
New
Your USD ad spend carries a 1.6% exchange margin
€180k/yr in USD vs. 0.56% available
+€1,890
Bookkeeping
Checked
No change — receipts already sync to your accounting
Re-checked this month
Give the go-ahead: our AI agent requests the offer or books a provider demo
How Spendlayer works
From a market change to your first concrete action step.
- 01
Monitor
We map your card and account setup and re-check it against provider cashback, fees, FX and bookkeeping features.
- 02
Alert
When the market or your spending pattern changes, you get “this is what I would do now” — with three options and the switching effort.
- 03
Request offer
With your green light, our AI agent contacts the provider’s sales team for a written offer — or books a demo with them.
- 04
Decide
Confirmed offers are recalculated by the same engine. You compare and decide — nothing moves without you.
What an alert looks like
“This is what I would do now.” Three options, with the switching effort.
Based on your spending pattern and what the market does, every alert shows a conservative, usual and ambitious path — and how easy each one is to act on.
Usual
Switching effort: Medium+€3,030/ year
Add a second card for USD ad spend with a lower exchange margin.
One new account, keep your main card. About a week.
Ambitious
Switching effort: Harder+€6,090/ year
Move all card spend to the card with the highest net cashback after fees.
Full switch: new cards, accounting link, supplier updates.
Then our AI agent takes the first action step
Request a written offer
The agent introduces your business to the provider’s sales team — by email or their contact channel — and asks for an offer on your volumes.
Book a demo with the provider
Prefer to talk first? The agent arranges a demo between you and the provider’s team.
Only with your green light
Nothing is sent before you approve. You choose which details are shared, and you decide whether to switch.
Provider outreach runs through participating and verified provider channels and is reviewed by our team while in preview. Offers are estimates until the provider confirms them.
Next: more data. We are adding more providers, countries and optional spend-data imports so alerts get sharper over time.
Four pillars, built for e-commerce
Not seven layers. The four that matter for a webshop.
We deliberately do not analyze your whole stack. We focus on the business card and account setup e-commerce businesses spend through every day.
01
Cashback & rewards
Which business card returns the most on your actual spend — after caps, thresholds, eligible categories and exclusions. Points only count when they have a reliable euro value.
02
Card & account costs
Monthly plans, card fees, per-payment charges and extra users. What the card really costs next to what it gives back.
03
FX costs
Exchange margins and foreign-transaction fees on the ad platforms, suppliers and tools you pay in other currencies.
04
Bookkeeping automation
Does the card handle receipts, categorisation and sync with your accounting software — or does your team still do it by hand?
Continuous monitoring
Your business changes. Your financial setup should keep up.
SpendLayer reviews your business profile and the provider information we monitor to identify potential improvements in cashback, FX costs, fees and bookkeeping workflows.
- 01Keep your profile up to date
We remind you monthly to confirm it. Old profiles are clearly labelled as last-known information.
- 02We monitor selected official sources
Scheduled checks of provider pricing and terms pages, with change detection.
- 03We investigate unclear terms
Missing, conflicting or outdated information goes into a research queue. Provider outreach is reviewed by our team and currently in preview.
- 04You decide what to do next
Relevant opportunities appear in your dashboard. Nothing is switched or accepted for you.
How we check provider information
SpendLayer combines official documentation, provider responses and structured checks. We track sources, dates and conditions, and flag missing or conflicting information instead of guessing.
Market estimate
Based on public provider information and your profile. Indicative, never a quote.
Provider-confirmed offer
Terms an approved provider representative confirmed for your business, with conditions and expiry.
Built to be trusted
Infrastructure-grade rigor behind every recommendation.
- 40+
- card & account providers monitored
- Per country
- a specific rule set for your location
- 267
- automated engine checks
- 0
- paid placements
Independent by design
Rankings are never influenced by commissions. Commercial relationships are disclosed.
Every number is traceable
Deterministic engine with published assumptions, source dates and confidence levels.
Verified provider data
Versioned provider rules with authority tiers and change history, per country.
Security & privacy
EU hosting, row-level tenant isolation, audit logging, private storage and GDPR processes.
Independent by design
We do not sell the financial stack. We analyze it.
Providers optimize their own product. Spendlayer evaluates the combined economics from the merchant’s perspective, with the same eligibility and calculation rules for every alternative.
We work for the merchant.
- No paid rankings.
- No provider can buy the top position.
- Commercial relationships never change calculation logic.
Revenue → financial layer → margin
Revenue is only the top line. The financial layer determines what you keep.
Card fees, missed cashback, FX margins on ad and supplier spend, and manual bookkeeping all sit between your store's revenue and what you keep.
01
Revenue
What the store generates
02
Financial layer
How money is accepted, moved, recorded and spent
03
Margin
What remains after avoidable financial friction
Total economic value
One opportunity, three different kinds of impact.
We separate cash savings from economic rewards and operational capacity. This prevents unlike values from being presented as the same thing.
Direct financial impact
Lower card fees, subscriptions and FX costs.
Economic value
Rewards and benefits with a defensible euro value.
Operational capacity
Time released from repetitive finance work—not automatically claimed as cash savings.
How it works
From current setup to observed outcome.
01
Understand current setup
Build a traceable baseline from your inputs and observed data.
02
Detect opportunities
Find material leakage without treating missing data as zero.
03
Model scenarios
Compare only eligible, compatible alternatives.
04
Optimize for minimal change
Prioritize practical value over needless migration.
05
Measure outcomes
Compare predicted impact with observed results after implementation.
Transparent calculations
Every material euro is traceable.
Inputs, assumptions, formulas, provider-rule versions, confidence and verification dates remain visible. Financial outcomes are deterministic—never generated by a language model.
Why monitoring matters
A good setup today is not guaranteed to stay good.
Ongoing monitoring reassesses your card and account setup using your updated spending and the provider data available to SpendLayer.
- Your spending patterns can change.
- Provider pricing, rewards and conditions can change.
- Your accounting needs can evolve.
- A setup that fits today may need reassessment later.
How it works
From a free analysis to a setup that stays aligned.
Step 1
Tell us about your business.
Share your current card, spending pattern, currencies and accounting software.
Step 2
Get your free analysis.
Understand the estimated value of your current setup and where improvements may be possible.
Step 3
Choose your next step.
Book a demo to explore the fit, or subscribe to monitoring.
Step 4
Keep your setup under review.
Provide updated information and receive findings based on the data available to SpendLayer.
Pricing
Start free. Subscribe when you want ongoing monitoring.
Start with a free analysis. See where your business could improve. Subscribe to ongoing monitoring to keep your setup aligned with your business as spending and provider conditions change.
Free Analysis
€0
For businesses that want an initial understanding of potential savings.
- Initial assessment based on the information you provide
- Comparison across cashback, card and account fees, FX costs and bookkeeping automation
- An estimated view of potential improvements
- Clear assumptions and limitations
- No ongoing monitoring
- No credit card required
SMB Monitoring
€99/month
For e-commerce businesses that want their card, fee, FX and bookkeeping setup kept under review.
- Baseline of your cashback, card fees, FX costs and bookkeeping automation
- Alerts when the market or your spending pattern changes
- Three options per alert: conservative, usual and ambitious — with switching effort
- AI agent requests a quote or books a provider demo, only with your go-ahead
- A history of findings and recommendations
Billed monthly in EUR, excl. VAT. Cancel anytime — access continues until the end of the paid month.
Mid-Market & Enterprise Monitoring
€399/month
For larger businesses with more complex financial setups.
- Everything in SMB Monitoring
- Multiple entities, cards, providers and currencies
- Consolidated alerts and recommendations for the business
Billed monthly in EUR, excl. VAT. Cancel anytime — access continues until the end of the paid month.
Frequently asked questions
Useful to know before you start.
See where the financial layer is holding back margin.
Start with your own numbers. Add deeper data only when it improves the decision.
Start free analysisFind a better financial setup. Keep it working.
Start with a free analysis, or talk to us first.