Fraud Blocker

The payables orchestration platform built for Pakistani organisations

Complete control over invoices, approvals, and payments, across every entity, ERP, and province, one workflow for organisations operating across Pakistan.
Book a demo
ISO 27001 Certified
ERP Agnostic
SAP Accredited

Multiple entities. Multiple ERPs. Multiple currencies, tax regimes, and regulatory frameworks, spread across countries with distributed teams and strict data residency rules.

SpendConsole sits above your ERPs as a unified payables orchestration layer, one place where every invoice and expense across the entire organisation is captured, validated, approved, settled, and auditable.

70%
Reduction in invoice processing costs
98%
AI extraction accuracy across 20+ languages
80%
Straight-through processing rate
95%
Faster invoice-to-payment cycle times
01
Integrate with your ERP and e-invoicing ecosystem
01
Integrate with your ERP and e-invoicing ecosystem

Connect SpendConsole to your existing ERPs, AP systems, and e-invoicing integrators without rebuilding your infrastructure.

  • Structured invoice data captured at header and line-item level, ready to pass downstream
  • Validated, coded invoice data available at point of capture
  • Support for standard transaction types, invoices, credit notes, and debit notes
  • Document archiving with full auditability and long-term record retention
  • Supplier identifier checks embedded at point of capture

Invoice data is captured, validated, and structured inside the same workflow as approval, ready to connect to whatever submits it downstream.

02
One workflow across every entity and province
02
One workflow across every entity and province

Pakistan’s tax environment consists of four overlapping regimes: 

  • FBR (federal): JSON API real-time clearance, IRN and QR code, all sales tax registered persons
  • SRB (Sindh): STRIVe POS integration, active since 2022, own QR verification system
  • PRA (Punjab): Electronic Invoice Monitoring System (EIMS)
  • BRA (Balochistan): e-IMS Rules 

SpendConsole gives organisations operating across provinces a single payables workflow. Every invoice is captured once and routed through the same approval and matching engine, regardless of which entity or province it belongs to. You get one view of every invoice.

03
Capture every invoice format your suppliers send
03
Capture every invoice format your suppliers send

Pakistan’s supplier base spans large multinationals submitting structured EDI, mid-sized vendors sending scanned PDFs, and smaller suppliers still issuing paper invoices. No single format dominates.

SpendConsole processes all of them on a single platform:

  • Scanned and photographed paper invoices
  • Emailed PDF and Word invoices
  • Structured EDI and API-submitted invoices
  • Multi-language invoices from international suppliers
  • Urdu-language and bilingual invoice formats

Have one capture layer across every supplier, regardless of how they invoice.

04
Resolve exceptions before they hold up your payment runs
04
Resolve exceptions before they hold up your payment runs

A three-way match failure in one entity does not stay contained. It stalls the payment queue, holds up entities downstream, and leaves your audit trail incomplete when an auditor comes looking. SpendConsole catches exceptions before that happens:

  • Automated 2-way, 3-way, and 4-way matching with intelligent tolerance thresholds
  • Confidence-scored match outcomes that separate real exceptions from false flags
  • Delegation of Authority approval workflows with escalation rules and SLA tracking
  • In-context communication tied to specific invoices and line items
  • Policy enforcement that applies consistently across every entity

Exceptions are flagged, routed, and resolved before they reach your payment queue.

05
Settle payments across entities, currencies, and approval tiers
05
Settle payments across entities, currencies, and approval tiers

Move from approved invoice to executed payment without switching platforms or chasing approvals across systems.

  • Approval-gated workflows with role-based controls and full audit trails
  • Multi-currency settlement across PKR and 50+ international currencies
  • Payment execution across wire, ACH, and batch payouts
  • Early payment discount identification and dynamic scheduling
  • Automated reconciliation back to your ERP 
  • Configurable payment routing and banking-channel controls

Every transaction is traceable from capture to payment to ERP posting.

06
Enterprise expense management
06
Enterprise expense management

Corporate card and employee spend management on the same platform, same approval engine, same controls as invoice management.

  • Automated receipt capture and validation
  • Policy enforcement and approval workflows
  • ERP reconciliation and financial posting
  • Full audit trail and compliance enforcement
  • Real-time spend visibility

Have employee spend held to the same standard as supplier invoices.

Built for Pakistan's compliance environment

Pakistan's e-invoicing mandate introduces technical requirements that most existing ERP and AP systems cannot natively handle.

The Federal Board of Revenue requires real-time JSON API submission through an approved licensed integrator, returning an IRN and QR code for every transaction. Invoices without this clearance are non-compliant. Continued failure to integrate can result in premises sealing, bank account restrictions, and penalties of up to PKR 3 million per instance.

SpendConsole captures and structures invoice data at the point of entry, header and line-item fields, supplier and buyer details, tax codes, and quantities, so the data is clean and validated before it moves downstream. Credit and debit notes are linked to their original invoices. The platform integrates with your ERPs and e-invoicing integrators rather than replacing them.

The six-year record retention requirement introduced by Finance Act 2025 means every invoice, and its full approval and change history, must be auditable on demand. SpendConsole maintains a complete audit trail of every transaction, every approval decision, and every correction from capture to payment.

For supply chain-intensive organisations, the documentary chain extends from supplier invoice through goods receipt to transport documentation. SpendConsole's matching engine connects those data points within the same workflow, so the supporting documents are linked before payment runs.

Trusted by enterprise and government finance teams

  • “It is not easy to find a solution that can work in our region. Some tools have workflows but cannot read Arabic handwriting. Others integrate poorly with SAP or lack analytics. SpendConsole provided a complete, end-to-end solution that truly addressed our challenges.”
    Mahmoud Ezzeldin
    Regional Finance and Accounting Director | HSA Group
  • "We truly believe SpendConsole really wanted to understand our business. With the other players in the market, it felt like more of an off-the-shelf solution. SpendConsole took the time, understood our problem statements, and really understood our requirements."
    Dion Morgan
    Senior Vice President, Global Finance Operations | Toll Group
  • "As their first customer, I embraced the power of their AI automation software to enable us to consolidate all of our supplier invoices across our global business in one place. This helps prevent incorrect and duplicate payments and has improved our payables productivity by over 50%."
    Brett Fulton
    CEO | Fulton Francis
  • “The implementation was remarkably smooth, our client’s teams working collaboratively with SpendConsole to deliver the program on time, on-budget, and meeting our business objectives.”
    Ian Walford
    Group Treasurer | Macmahon
  • “SpendConsole significantly improves our processing times and minimises our risk of incorrect payments.”
    Brendan Francis
    Founder and CEO | PRAAS
  • “SpendConsole significantly improved our control over finance and AP processes, and reduced dependency on individual resources, enabling strategic decisions and unlocking productivity.”
    Jonathon Porcelli
    General Manager (Financial Control) | Mitsubishi Motors Australia
  • “The SpendConsole team is supportive, collaborative and delivers outcomes that meet our organisation’s needs.”
    Amina Bello
    Director – Shared Services Integration | TAFE NSW

FAQs

What other industries and regions does SpendConsole support?

SpendConsole is deployed across enterprise, government, and mid-market organisations in Pakistan, Australia, New Zealand, and the Middle East, spanning automotive, mining, education, shared services, transport and logistics, and asset-intensive industries.

Does SpendConsole work for organisations operating across multiple provinces?

Yes. SpendConsole gives organisations a single payables workflow and one view of every invoice across every entity and province. Invoices are captured, approved, and matched the same way regardless of which entity or authority they fall under.

How does SpendConsole handle supplier identifier checks?

SpendConsole validates supplier data at the point of invoice capture and flags missing or incomplete identifiers before the invoice enters the approval queue.

How does SpendConsole handle the six-year record retention requirement?

Every invoice, approval decision, correction, and payment record is maintained in a complete audit trail from date of transaction. The platform’s archiving meets FBR’s six-year retention requirement and supports on-demand retrieval for inspections, audits, or compliance reviews.

Does SpendConsole replace our ERP?

No. SpendConsole integrates with SAP, Oracle NetSuite, Dynamics 365, and others as an orchestration layer. It processes invoices and expenses, manages approvals and payments, and posts results back to your ERP. Your system of record stays untouched.

See how SpendConsole works across Pakistan
Book a demo to see how SpendConsole handles e-invoicing compliance, multi-authority requirements, and multi-entity payables orchestration across Pakistan.
This field is hidden when viewing the form