Get started

Frequently asked questions






Security & Compliance


If you are a retailer, simply download Spenda from the App Store to trial our Point of Sale or Service Management Solution. Or, as a wholesaler/distributor, you can visit to trial our Accounts Receivable software. Please note that the App version is only available on iPads. Please contact our sales team and book a demo to run through how the whole Spenda suite can improve your business’s efficiency.
Yes absolutely. We offer a completely free trial on selected features with no lock in contacts and no credit card details required. Download Spenda from the App Store or visit and walk through the free-trial and onboarding process. Alternatively, reach out to our sales team for more information.
During your trial period, you can access a range of modules on your iPad including Point of Sale, Accounts Receivable, Purchasing, Warehouse and Service Management. You can easily connect your accounting system or simply use the existing demo environment to trial the software. Alternatively, you can test our the Accounts Receivable and Payable features on the web version via note that you will not be able to process live payments during your trial period.

We take data security very seriously. If you don’t choose to upgrade your account, once your trial period ends, all data will be safely stored and deleted in accordance with the Australian data protection laws.

Spenda offers flexible pricing plans to fit almost any business. Subscription fees are based on the number of models and terminals required and the complexity of business setups. Our sales team can help you to determine the best solution for your business.

Currently, Spenda is only available in Australia.

Spenda is designed to complement your existing ERP or accounting systems, providing additional functionality to enhance the experience of both the business and the customer. It is not designed to replace your current ERP.

Spenda Support hours are 8 am – 8 pm AET (Australian Eastern Time) seven days a week.Email us via or call 1300 682 521
You can call our sales team Monday – Friday between 9 am – 5 pm AEST on 1300 682 521 and select ‘option two’ from the menu, or email the team via Alternatively, you can complete the contact form on our website and our team will reach out to you.


Simply search for Spenda in the App Store. Currently Spenda is only available for download on iOS.

In the ‘Settings’ section on your iPad, search for Spenda and look for the version number under ‘App Info’, then navigate to the App Store and check this against the latest version number.

At the moment, the Spenda App is only available on iPad. However, you can also register for and access Spenda’s Accounts Receivable and Payable solution via the web by visiting
Once you download the App, you will need to create an account and follow the in-App onboarding process to get set up. For any help along the way, you can use the Live Chat functionality or reach out to our support team by calling 1300 682 521.

There are no limitations on the number of users you can add to Spenda. As the system admin, you can decide on specific permissions and access levels across the software.

There can only be one main administrator, but you can have multiple general admin users. You can change any users or permission by accessing the user settings in the admin panel. Please note that in order to make these changes, you need to be logged in as the primary administrator.


Integrated payments allow the manual, time-consuming accounting and payment process to seamlessly work together. By automating payment acceptance, an integrated payment solution allows a merchant to accept credit, debit and cash payments directly within the Spenda platform. In a retail setting, this also means the sale total is automatically fed through to the EFTPOS machine, removing the need to re-key data. This reduces friction and time to reconcile invoices and payments meaning more time to service customers and either access to cash flow or administration.

Depending on the type of service you are looking to connect, straightforward applications can take as little as one week from commencing the application to terminal delivery.

We offer a diverse range of payment options including card payments and bank transfers. We also accept payments using all the major card providers such as Visa and Mastercard.

Funds are delivered via a Consolidated by Payment method. This simply means that the money is transferred to the Supplier’s bank account in one lump sum for each payment.

We typically charge 1% up to 75 cents for bank transfers and 1.5% with no cap on card payments. You can view all our fees and charges HERE.

Yes, Spenda enables you to either absorb or on-charge part or all of your merchants fees to your customers.

When a customer makes a contactless (‘tap-and-go’) payment with their debit card, the merchant may choose to send the transaction via the debit network that costs them the least to accept. It’s a cheaper Merchant Service fee when processing lower cost card types.

Yes, we have a built-in virtual payment terminal and card scanner that enables you to use Spenda on your iPad to process payments in real-time. It’s quick to set up and easy to use, eliminating the need for costly outlays on traditional retail hardware such as EFTPOS terminals. Read more about Virtual Terminals here.

Spenda delivers a flat rate on card payments and a capped fee on integrated account payments. Reconciliation and integration automation lowers the total cost of business payments and delivers a compelling ROI for both the merchant and their customer. To understand more about our fee structure, please reach out to our sales team.

Spenda endeavours to settle funds to the nominated bank account as quick as possible. However, the time to receive funds from the paying customer into your nominated bank account is approximately two working days (or more) for most payment processing services. However this is heavily dependant on both the sending and receiving bank, and the time the transaction is made.

To accept payments with Spenda, you will first need to complete a Merchant Payment Application. To get started, please contact our Customer Success team via
The verification requirements vary depending on the legal structure of your business and industry that you operate in. For specific requirements please contact Customer Success team on

There is an application fee of $165 inc GST to run the necessary compliance checks associated with setting up a merchant service.

You can consult our guides that will help you understand your Ingenico DX8000 terminal in more detail.

DX8000 User Guide

Mentor User Guide

DX8000 Troubleshooting Guide

If the problem persists, please reach out to our support team by calling 1300 682 108 or email

To help you understand how to safely accept payments with your terminal, we also have the Payments Acceptance Guide and Merchant Chargeback Fraud Protection Guide that offer additional information you might find useful.



To be eligible, your business must:

When making your application, you will need to supply us with the following information:

  • Your name and contact details
  • Company name, ABN and how long you have been trading
  • The industry you operate in and monthly turnover

We will then assess your application and reach out to you via email regarding next steps.

You can submit your application here.

You will receive and Indicative offer within two business days.

Depending on your business, you can borrow anywhere from $200K – $3M. Upon receipt of your application, we will assess your business and offer you a funding limit based on your monthly revenue.

You will generally be funded within one business day of making a payment request.

Business expenses only, such as Supplier payments and payroll.

Invoices you raise for associated businesses, consumers, or for customers that are also suppliers.

You will be charged a transaction fee on invoices we fund plus interest on the amount owing to Spenda.

  • Transaction fees sit between 0.5 and 1.5%, dependant on turnover 
  • Interest rates are charged between 8.5% and 12.5 % per annum

You will be charged a merchant fee on all Supplier invoices paid. This rate will be assessed at the point of application and  is calculated based on your turnover.


Our Buyer Finance facility is only available through participating suppliers. We do not offer this service directly to the buyer.

  • To be eligible, your business must:
    Be using Spenda’s Accounts Receivable Software
  • Have been trading as a supplier, marketplace or distributor for at least 12 months
  • Have 50 connected customers trading regularly with your business
  • Have an average monthly transaction volume of $1,000 per customer

You can view the Supplier and connected Buyer fee structure here.

When making your application, you will need to supply us with the following information:

  •  Your name and contact details
  •  Company name, ABN and how long you have been trading
  •  Your business type and industry
  •  Monthly turnover, number of customers and invoice payment terms

We will then assess your application and reach out to you via email regarding next steps.

You will receive a response within one business day of making an application.

Through the Spenda dashboard you can invite your customers to access Buyer Finance. Your customer can then apply online and Spenda will review their applications within one business day. Once approved your customer will be given a funding limit and they can start using the facility to pay your invoices.


Spenda currently integrates with Xero, MYOB, and QuickBooks. We regularly add new integration partners and can also offer custom integrations. You can visit our Integrations webpage to see a list of all the systems Spenda integrates with, and if you don’t see what you need, please reach out to our sales team.
Yes. While we have preferred partners, we regularly add new integrations and can also offer custom integrations. So if you don’t see what you need, please get in touch to discuss your requirements with our team here.

Yes. We will work with you to migrate and clean your existing data from legacy POS systems and inventory management tools into Spenda.

Yes, Spenda easily integrates with many accounting systems and larger ERP management solutions. Visit our Integrations webpage to learn more.

Yes this is strongly recommended and enables all your invoices and payments to be automatically recorded and reconciled in your accounting software, meaning you can save a lot of time by saying goodbye to manual data entry.

We do recommend this step as it will allow you to fully experience how Spenda works. Alternatively, we have a demo option that you can select during the initial set up which gives you a look at the functionality without needing to connect your accounting software.

Security & Compliance

Spenda will collect, store, retain, and delete personal information in accordance with the applicable privacy legislation and applicable jurisdictional laws to ensure that your personal details are always protected. We securely store your personal data and do not release any of your personal information without your consent.If you have any questions or concerns please get in touch with our team here.

Absolutely. We adhere to all required Anti-Money-Laundering (AML) and Know-Your-Customer (KYC) obligations. This protects our Business and Customers from engaging in financial crimes, including money laundering, fraud, and terrorist financing when using the Spenda services. We have implemented Two Step Authentication (2SA) security across our platform to prevents risks such as unauthorised access on your account and helps keep your data and/or account safe and secure.

Know-Your-Customer (KYC) or a KYC check is the mandatory process of identifying and verifying the identity of a customer and/or business when opening an account and periodically over time to ensure that they are genuinely who they claim to be. This ensures that an account is set up correctly and prevents unauthorised access or misuse.

Anti-Money-Laundering (AML) Money laundering is the illegal process of concealing the origins of money obtained illegally by passing it through a complex sequence of banking transfers or commercial transactions.
Where applicable, Spenda will follow all AML/CTF Compliance with laws in the jurisdictions we do business in, and when required, we will require our customers to respond to any requests for information to be onboarded or meet ongoing due diligence to adhere to these obligations.

Spenda will carry out or utilise all necessary checks to prevent any fraudulent transactions. This will include services such as 3D Secure, which is a service to ensure that the Cardholder is whom they claim to be. This helps reduce the liability to the merchant for any fraudulent transactions.