Every euro out. Controlled, tracked, automatic.
Subscriptions on dedicated cards. Supplier invoices approved in Slack. Purchase requests from chat. Three flows, one graph, one agent fleet.
Three ways money leaves. Three blind spots.
Your spend management is Slack threads, personal cards, and quarterly surprises.
Subscriptions
Your personal Amex has 23 SaaS charges. No per-tool budget. 3 are for tools nobody uses. You discover this in December.
Supplier invoices
Invoice arrives by email. Forward to accountant. Approve by Slack thread. Accountant creates transfer in Qonto. 20 minutes per invoice.
Purchase requests
"I need Datadog." OK in Slack. Someone signs up. Adds their personal card. Nobody tracks the budget. Found 6 months later on the credit card statement.
The full picture
"How much did we spend this month?" takes 3 hours of reconciliation across 4 tools. The answer is always late and always wrong.
Pierre's Monday, before and after.
Pierre
Founder · Scaling-ops, Series A, France
Before Well
Pierre: "I... need to check." 3 hours later: exports Amex, exports Qonto, spreadsheet, categories. "About EUR 8,000/mo. Maybe."
Forwards to comptable. Comptable creates transfer. 3 days later, still not paid.
Pierre: "Sure." Dev adds personal card. Budget? What budget.
With Well
Agent fleet plan: 23 SaaS detected. 23 cards generated (Qonto). Migrating billing pages...
3 unused subs found: Loom, Miro, Calendly (EUR 35/mo). Cancel?
Agent: captured, enriched, posted to #finance for approval. Pierre approves in Slack. Transfer scheduled for April 28. Done.
Agent: "8/10 seats used. EUR 12/mo. Within budget. Auto-approved. Seat provisioned for Marie."
Three flows. Four layers. One fleet.
Every tool handles one flow. Well handles all three on one graph with one agent fleet.
Control
The destination
Budget per supplier enforced. Spend analytics real-time. Unused subscriptions flagged. Overages predicted. "How much this month?" answered in 3 seconds.
- Per-supplier budget enforcement
- Real-time spend analytics
- Unused subscription detection
- Overage prediction and alerts
Pay and procure
The execution
Approve invoices in Slack. Schedule transfers. Generate cards. Provision licenses. Migrate payment methods via Chrome extension. Human approves. Agents execute.
- Invoice approval in Slack
- Transfer scheduling with payment terms
- Virtual card generation
- Chrome extension payment migration
Capture and enrich
The context
Supplier invoices from email, chat, Chrome extension. SaaS inventory from bank patterns. Every vendor enriched: contract, history, terms.
- Multi-channel invoice capture
- SaaS inventory from bank patterns
- Vendor enrichment from context graph
Connect
The foundation
Banking (Qonto, Mercury, Stripe Issuing), accounting (Pennylane, QBO), email, Slack. 100+ connectors.
- Qonto, Mercury, Stripe Issuing
- Pennylane, QuickBooks integration
- Email and Slack connectors
Spend. Pay. Procure. One graph
Four ways to connect
Pick the method that fits your stack. Mix and match, they all feed into the same unified context.
Gmail, Stripe, QuickBooks, Xero, Plaid, Qonto, and 100+ more. One-click OAuth, instant data sync.
See it in action
A question that used to take a meeting now takes a message.
How can I help you?
Ask anything or use / for commands...
Budget follows the supplier, not the person.
23
suppliers. 23 cards. 23 budgets. One view.
Traditional cards give Pierre EUR 5,000/mo for everything. Well gives AWS EUR 400/mo, Slack EUR 15/mo, Figma EUR 50/mo. Overages predicted before they happen.
| Provider | Coverage | EU | US |
|---|---|---|---|
| Ramp | Per-employee cards, US only | Not supported | Supported |
| Brex | Per-employee cards, US only | Not supported | Supported |
| Spendesk | Manual card creation, EU | Supported | Not supported |
| Well | Per-supplier automatic, EU and US | Supported | Supported |
One message. Five agents. Migration overnight
The system teaches you
Well doesn't wait for questions. It spots anomalies, suggests charts, and alerts you before problems compound.
Anomaly detected
Just nowMarketing spend jumped 340% in March compared to your 6-month average. Want me to break it down by vendor?
Suggested chart
2 hours agoYou’ve asked about revenue 4 times this week. I created a pinned revenue dashboard. Want to see it?
Pattern found
YesterdayYour cash position dips every 15th of the month due to payroll. I can forecast this automatically.
Threshold alert
2 days agoRunway dropped below 12 months. This is based on your current burn rate of €28K/month.
Invoice arrives. Agent handles it
The flywheel
Every connection makes Well smarter. More data means better matching, richer context, and sharper recommendations.
Identify
8 of 12 tools detected
Well scans your stack and shows what it recognizes
Connect
247 invoices found
One-click OAuth, data starts flowing immediately
Context
Invoice matches bank transaction
Well cross-references across sources automatically
Intelligence
Suggestion: connect Pennylane
Well recommends new connections based on data gaps
Solo today. Team tomorrow.
Solo
- You approve everything yourself
- Agents handle cards, transfers, and reconciliation
- One inbox, one person
Team
- Founder approves over EUR 1,000
- Finance lead approves EUR 100 to EUR 1,000
- Under EUR 100 auto-approved
- Procurement requests route by amount
- Everyone sees the spend dashboard
Just raised? Move SaaS off your personal card. Overnight.
Post-funding is the perfect time to migrate. One message to the agent fleet: dedicated virtual cards for every subscription, overnight.
Where every euro goes. Always current
8
chart types, selected automatically
Bar, line, area, pie, scatter, table, KPI card, and executive summary. Well analyzes your question and picks the format that communicates the answer best.
Bar chart
Comparisons
Line chart
Trends over time
Area chart
Volume trends
Pie chart
Proportions
Scatter plot
Correlations
Table
Detailed breakdowns
KPI card
Single metrics
Summary
Executive briefings
Well vs the field.
Six capabilities. One column with all six.
| Capability | Well | Ramp | Brex | Spendesk | Pleo | Mesh |
|---|---|---|---|---|---|---|
| Per-supplier virtual cards | Automatic | Not supported | Not supported | Not supported | Not supported | SaaS only |
| Chrome extension migration | Agent fleet | Not supported | Not supported | Not supported | Not supported | Partial |
| Invoice AP automation | Agent | Not supported | Not supported | Manual | Not supported | Not supported |
| Chat procurement | Supported | Basic | Basic | Workflow | Not supported | Not supported |
| Bank reconciliation | 11,000 banks | Supported | Supported | Partial | Partial | Not supported |
| Agent fleet | Supported | Not supported | Not supported | Not supported | Not supported | Not supported |
| Price | EUR 19-199/mo | Free (interchange) | Free (interchange) | Custom | Free + EUR 5/user | Custom |
What founders say.
“23 subscriptions migrated to virtual cards overnight. My Amex is finally clean.”
Pierre D.
Founder, Series A SaaS, France
“Supplier invoices used to take 20 minutes each. Now Pierre approves in Slack and it's done.”
Marie L.
Finance ops, E-commerce, France
“I asked "how much do we spend on SaaS?" and got the answer in 3 seconds, not 3 hours.”
Harry K.
Founder, Solo-ops, US
Frequently asked.
Stage 1: Well orchestrates virtual card creation through your connected banking provider (Qonto, Mercury, Stripe Issuing). Stage 2: native card issuing is on the roadmap.
The Chrome extension visits each supplier's billing page, navigates to payment settings, adds the new virtual card, and sets it as default. Logged in the audit trail. Failures flagged for manual attention (e.g., 2FA required).
Yes. Invoices captured from email, chat, or Chrome extension. Routed for approval in Slack. Transfer scheduled via connected bank, honoring payment terms (net 30/60). Auto-reconciled when cleared.
"I need Figma." The agent checks existing subscriptions, available seats, and budget. Routes for approval based on amount threshold. On approval: provisions the license, generates card if new vendor, updates budget.
The migration agent flags it for manual attention. You complete the 2FA step. The agent resumes the migration.
Default: computed from historical spend (last 6 months average + 15% buffer). Adjustable per supplier. Overages predicted and alerted before they happen.
Qonto, Mercury, Stripe Issuing for card generation. 11,000 banks for spend tracking and reconciliation.
Yes. The inventory agent scans bank transactions and flags subscriptions with no activity in 90+ days. Shows estimated savings from cancellation.
Every euro out. Controlled, tracked, automatic.
Connect your bank. Migrate your SaaS. Let agents handle the rest.