Sparados is a next-generation financial and spend management platform that dramatically shortens the entire expense settlement process. From the moment a corporate card is issued - which takes just a few seconds - employees can immediately access it in the app and add it to their Apple Wallet or Google Wallet. When a purchase is made, the transaction is logged in real time.

Users can then scan their invoice or forward it to a dedicated email address. The system automatically processes the document: it is tagged, described, and prepared for accounting, before being sent directly to the finance team.

This end-to-end automation replaces tedious manual steps with a seamless digital workflow. On average, companies using Sparados save the equivalent of 10 full working days across their teams - including accounting, management, and sales - compared to handling expenses manually.

Beyond automation, Sparados enables businesses to issue branded virtual cards, control employee spending in real time, and centralize billing, invoicing, and reporting in one platform. It eliminates paperwork, accelerates month-end closing cycles, and gives finance leaders full visibility and control over company spending.

Yes. Security is a cornerstone of Sparados.

Trusted financial foundation – Sparados already serves over 100 clients worldwide and operates in partnership with Quicko, a licensed financial institution. Quicko is a regulated payment institution under the supervision of the Polish Financial Supervision Authority (KNF), holding license number IP52/2021.

Our partner - Verestro provides the technology platform, while Quicko handles regulated financial operations. Quicko is official Mastercard partners, ensuring reliability and compliance with international standards.

Payment protection – every Sparados card is backed by Mastercard’s security program, giving users access to tools such as identity protection and fraud monitoring. You can learn more or enroll here: Mastercard Security Program.

Tokenization & encryption – all payments are fully tokenized and digitized, meaning sensitive card data is never exposed.

Sparados stands out with speed, automation, and flexibility. You can issue branded virtual cards in just 5 seconds, control spending in real time, and automate the entire expense flow-from scanning invoices to sending them to accounting. Compared to manual processes, companies save around 10 full days of work across teams.

Unlike many providers, Sparados also offers local benefits like tax-advantaged lunch cards, instant fund transfers for sales teams abroad, and seamless integrations with ERP/accounting systems. All at a simple, transparent cost of €1 per user/month after the first 5 users.

Sparados helps companies save money in two ways: lower fees and greater efficiency. Pricing is simple and transparent-free for the first 5 users, then only €1 per user/month-with no hidden charges for integrations or top-up fees.

At the same time, automation replaces manual work: invoices and receipts can be scanned or emailed, processed automatically, and sent directly to accounting. On average, companies save the equivalent of 10 full working days across finance, management, and sales teams every month.

Additionally, Sparados offers tax-advantaged benefits such as lunch cards (up to 450 PLN/month per employee exempt from ZUS), helping companies cut costs while supporting employees.

Sparados is designed for European companies of all sizes that want to simplify and speed up expense management. It’s especially valuable for businesses with 10+ employees, where manual expense handling becomes time-consuming and costly.

Typical industries that benefit include transport, travel, relocation, insurance, security, development, and sales teams - any organization where employees regularly spend company money and receipts, invoices, and reimbursements create extra work.

By giving employees instant access to branded virtual cards and automating the entire settlement process, Sparados frees up time for finance teams, managers, and sales staff, making it ideal for companies that want to save both time and money while staying in full control of spending

Yes. Sparados connects seamlessly with widely used accounting systems like Saldeo, Comarch Optima, inFakt, Insert, plus others, so that expenses and invoices are automatically synced into your financial workflows.

For more advanced needs, Sparados also provides a robust API, enabling real-time integration with ERP or in-house platforms-thousands of tasks like card issuance, expense recording, and reporting can flow automatically-with no hidden fees for integrations.

Want to dive deeper into how this works? Check out our blog post on Sparados integration with accounting and ERP systems.

The Sparados pricing is simple and transparent:

• €20 per account/month (base platform fee)

• Free for the first 5 users

• €1 net per user/month starting from user #6 onward

• No hidden fees for integrations, branded cards, or platform access

You can see the full breakdown on our Pricing here.