Meet Arvio One workspace for every rand your company spends
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Spend management built for South Africa

Control company spend before it becomes a problem.

Arvio gives your team one simple way to spend while finance keeps live control over cards, expenses, bills, budgets and approvals.

Explore the platform
Arvio••••   4821SARAH NAIDOOVISA
01 · CAPTUREReceipt received

Amazon Web ServicesCloud infrastructure

R 38,421
Document matched
02 · CHECKPolicy verified

Software policyPassed

Monthly limitWithin limit

03 · CODETransaction coded

CategorySoftware & cloud

VATR 5,011

04 · SYNCReady for accounting

Complete recordReceipt, policy and VAT attached

One place for every way your company spends

COMPANY CARDSEXPENSESBILLSPROCUREMENTBUDGETSACCOUNTING
THE PROBLEM ARVIO SOLVES

Finance should not have to chase the business.

When cards, receipts, invoices and budgets live in different places, finance learns about spend too late. Arvio brings the rules and the record into the transaction itself.

01

Spend appears after the fact

Teams buy first. Finance discovers the impact when the statement or invoice arrives.

02

Month-end becomes a chase

Receipts, approvals and VAT details are scattered across inboxes and messages.

03

Budgets lag reality

Committed spend is invisible, so decisions are made using an outdated view of cash.

ONE CONNECTED WORKSPACE

Give people freedom to spend. Keep finance in control.

Arvio puts the right controls before each purchase and creates a complete financial record as work happens.

Company cards

Physical and virtual cards with limits, owners and budgets built in.

Expense management

Collect receipts, check policy and keep every transaction ready for finance.

Amazon Web ServicesCloud infrastructureReady

UberGround transportReceipt

FigmaDesign softwareReady

Bills and payments

Capture invoices, route approvals and see upcoming commitments early.

Invoice captured
INVOICE TOTALR 38,421

Budgets

Give teams clear limits and see pressure before it becomes overspend.

Marketing71%
R 33,800 available
Operations54%

Spend intelligence

Understand what changed, what needs attention and where the month will land.

September forecastR 1.89mR 210k below plan
SEE ARVIO AT WORK

Less chasing. Fewer surprises. A cleaner close.

Every workflow is designed to remove busywork for employees and give finance useful context sooner.

01 · CARDS & BUDGETS

Give every purchase its guardrails.

Issue a card with its owner, budget and limit already connected. Teams can move immediately, while finance stays in control as plans change.

Explore company cards
Arvio••••   4821SARAH NAIDOOVISA
Marketing cardActive
Monthly limitR 50,000
Available to spendR 33,800
02 · EXPENSES

Stop asking for the same receipt twice.

Arvio keeps documentation, policy checks and transaction context together, so employees know what is missing and finance reviews only what needs attention.

Explore expense management
Expense review7 need attention

Amazon Web ServicesCloud infrastructureR 38,421Ready

UberGround transportR 428.60Receipt needed

FigmaDesign softwareR 7,840Ready

03 · BILLS & ACCOUNTING

Know what is due before cash leaves.

Capture invoices, route them to the right approver and see upcoming commitments alongside card spend before payment day.

Explore bills and payments
Upcoming paymentsR 153,701 due

Amazon Web ServicesCloud services · 18 SepR 38,421

MicrosoftAnnual software renewal · 24 SepR 94,600

SlackCollaboration software · 25 SepR 12,840

WHAT CHANGES WITH ARVIO

Control moves upstream. Admin fades into the background.

Before

A request starts in chat

Context is lost before finance ever sees the purchase.

With Arvio

Policy travels with the spend

Budget, owner, approval and documentation stay connected.

Result

A ready-to-close record

Finance sees the full story without rebuilding it at month-end.

ARVIO INTELLIGENCE

See what changed and what to do next.

Arvio brings unusual spend, missing documentation and budget risk to the surface without burying finance in another dashboard.

  • Explain material changes, not just chart them
  • Prioritise work by financial impact
  • Keep every insight connected to action
See Arvio in action
Arvio noticedTravel spend is trending above plan.

Cape Town travel is forecast to exceed September’s budget by R 32,400, driven by three late bookings.

Air travelR 86,200
AccommodationR 41,800
Review travel spend
SIMPLE TO ADOPT

Build control into the way your team already spends.

01

Set the guardrails

Create budgets, limits, policies and approval flows that match how your company operates.

02

Let teams spend

Give people the right card or purchasing path with controls already attached.

03

Close with confidence

Collect documentation, reconcile transactions and send clean data to accounting.

WHY ARVIO

Modern spend management, grounded in South African reality.

Arvio is built around the currency, tax administration and operating rhythm local finance teams deal with every day. It is local by design, not adapted as an afterthought.

Rand-native from the startBudgets, limits and reporting in the currency your business runs on.VAT and audit context attachedKeep the supporting record with the transaction from the beginning.Built to reduce finance busyworkGive teams a clear process without making finance the bottleneck.
SEE ARVIO FOR YOUR BUSINESS

Spend less time chasing. Make better decisions sooner.

Walk us through how your company spends today. We’ll show you how Arvio can bring the cards, controls and financial record together.

Book your Arvio walkthrough Talk to us at hello@arvio.co.za
No generic sales deck. A practical look at your spend workflow.