Stop losing time to petty cash and till reconciliation
Retail businesses waste hours every week on petty cash, manual reconciliation, and chasing receipts across stores. Budgetly gives every store its own Visa debit card, captures receipts at the point of purchase, and syncs to Xero automatically.
Get your stores off petty cash in 14 days →
Australia's favourite.
99% of businesses stick with Budgetly.
Replace till petty cash, shared bank cards, and store-by-store reconciliation.
Retail businesses manage spending across stores, mobile teams, and supplier payments. Generic expense tools weren't built for this. Petty cash, till dipping, and shared bank cards create the admin burden — and the compliance risk — that's eating into your margins.
The old way
- Cash pulled from the till for store purchases with no audit trail
- Shared bank cards with no store attribution
- Store managers paying for stock or supplies out of pocket
- Per-store reconciliation taking days each month
- Receipts lost between stores and head office
- Compliance and ATO substantiation requires manual work
With Budgetly
- Every store gets its own Visa debit card with built-in budgets
- Cards issued in seconds for casual store staff
- Receipts captured at the register, not chased at month-end
- Per-store budgets enforced in real time
- Live visibility across every store and head office
- Audit-ready records for ATO and ASIC compliance
- APRA-regulated
- Data stays in Australia
- 2FA + SSL encryption
- AWS Sydney ISO 27001 infrastructure
- Live status
Built for the way retail businesses actually work
From store supplies to head office subscriptions, Budgetly handles the spending workflows your store managers and finance team deal with every day.
Replace till petty cash with a controlled card per store.
Issue physical or virtual Visa debit cards to each store, manager, or team member in seconds. No more pulling cash from the till, shared bank cards, or weeks of bank paperwork. Each card has its own budget, its own rules, and its own audit trail.
- Per-store, per-manager, or per-team budgets
- Block ATM withdrawals, alcohol, and out-of-policy merchants
- One-tap freeze when a casual finishes
- Issue cards to new store staff in 30 seconds
- Cards work anywhere Visa is accepted across Australia
Tina Rossi
Sam Chen
Hannah BellStore managers capture receipts the moment they spend. No chasing.
Store managers snap a photo of the receipt at Officeworks or the supplier on the Budgetly mobile app. The system matches it to the transaction, extracts GST, and tags the right store. Your head office stops chasing paper receipts at month-end.
- Receipts captured at the register on mobile, not weeks later
- Automatic matching to the right transaction
- GST extraction so no rebate is missed
- Tag transactions by store, manager, or category
- Real-time alerts when a receipt is missing on a transaction
Newtown NSW
Officeworks Newtown
$284.00
Set a budget per store. The system enforces it.
Set per-store and per-category monthly budgets. The card declines automatically when the budget is exhausted. Head office sees the live balance across every store in one dashboard. No more waiting for the statement to know who overspent.
- Per-store, per-manager, or per-category budgets
- Automatic monthly resets
- Live balance visible to store managers on mobile
- Hard stops when the budget runs out — no surprises
- Centralised dashboard across every store and head office
Officeworks · Tina Rossi
$284.00ATO and ASIC compliance stops being a fire drill.
Retail businesses face regular BAS lodgements and ATO substantiation requirements. Missing receipts mean lost GST rebates and audit risk. Budgetly creates a complete digital audit trail for every transaction — card, merchant, amount, matched receipt, store, and approver — and syncs to Xero with automatic account coding.
- Digital audit trail for every transaction, end to end
- Automatic GST extraction from every captured receipt
- One-click reports for any period, store, or category
- Two-way Xero sync with no double-entry
- Tag transactions by store, manager, or category
Officeworks Newtown
$284.00
What retail businesses gain when they switch to Budgetly
Real outcomes from Australian retail businesses running multi-store spend on Budgetly.
Control without slowing stores down
Finance sets the rules once. The system enforces them every time. Stores focus on customers. Both are true at the same time.
- Card on day one, no bank paperwork or till petty cash
- Snap a receipt at Officeworks and you're done
- Never out of pocket for store supplies again
- Real-time store budget visible on mobile
- More time with customers, less time on admin
- Live visibility across every store, no month-end surprises
- Audit-ready always, with full digital trail per transaction
- BAS and ATO substantiation in one click
- Two-way Xero sync, no manual reconciliation per store
- Stop chasing store managers for last week's receipts
- Own the budget for your stores without head-office gatekeeping
- See spend across every store in real time
- Approve out-of-policy purchases from your phone
- Freeze a card instantly when a casual finishes
- Tag transactions by store or category for clean reporting
Trusted by teams across Australia
Read verified reviews ➜Awards and recognition
Customer stories
Earth Markets save 30 hrs a month across multiple stores with Budgetly
'We've saved 30 hours a month across our four stores & an additional 20 hours a month for head office in bookkeeping …
Boutellier Montres gains 'better control' over staff expenses with Budgetly
'No more unnecessary admin work when reconciling and reimbursing with the help of the Budgetly platform.'
Hawke's Brewing Co save three hours per week by implementing Budgetly!
Hawke's Brewing Co Save Three Hours Per Week by Implementing Budgetly!
Bet Group Global Increases Customer Satisfaction With Budgetly
Read how Bet Group Global cut down expense management time and increases customer satisfaction with Budgetly.
Frequently asked questions
What is expense management software for retail?
Can I issue cards for casual and seasonal store staff?
How does Budgetly help with BAS and ATO compliance?
Can I set separate budgets for each store or category?
How quickly can we get started?
How much does Budgetly cost for retail businesses?
Built for the audit and compliance rules retail businesses can't afford to fail
Compliance only works if every rule, every receipt, and every approval is enforced and logged by infrastructure you can trust.
Per-store policy enforced at the card network
Budget, supplier, category, and country rules are evaluated at the Visa network layer. Out-of-policy spend declines at the terminal — not in a report you read next month.
Full digital audit trail per transaction
Card used, merchant, amount, matched receipt, GST, store, and approver — timestamped and attributable. Export the full audit trail for any period, store, or category in one click.
Approval chains, not approval in name only
Multi-step approvals, escalation rules, and amount thresholds are enforced. No one person can create, approve, and execute a high-value transaction alone.
Role-based access for stores, area managers, and finance
Store managers, area managers, finance, and admins see only what their role requires. Role changes and permission updates are audit-logged.
APRA-regulated operator
Budgetly is APRA-regulated for its own financial activities. Card issuance and payments run through regulated banking partners on the Visa network.
Data hosted in Australia
Budget, transaction, and rule data are stored in AWS Sydney — ISO 27001, 27017, and 27018 certified infrastructure. Nothing leaves the country.
Get your stores off till petty cash in 14 days
See how retailers like Earth Markets save 30+ hours a month and stay BAS-ready by default.