Expend has collectively worked well across our team, notably internationally with Mastercard exchange rates. The adjustable security features work very well, such as the Mag stripe toggle (used often in the USA). Only slight niggle is the duration is fixed to 24 hours, which you'll be reminded to when the card is declined! This can be embarrassing at times. Once toggled back on it has in my experienced worked immediately. Otherwise it has made expensing far less troublesome, as I am no longer holding onto a book of receipts. I can take a photo immediately after the purchase and then throw it away, a great bonus using expend. The app is rich with features mostly orientated around security, such as toggling on or off for contactless, online transactions, ATM withdrawals and the above mentioned mag stripe swipe. Lastly a temporary lock card feature is useful if you misplace the card. There is a good visual breakdown of costs per category (this is down to what you select whilst filing an expense). Biggest feature we collectively like is the instant notification post payment, once tapped it prompts you to immediately take a photo, a good reminder to get it done instantly! Far less admin for expenses and we do not have to use personal credit cards, massive improvement to our older process!