Whether you're growing fast, managing a larger team, or simply spending too much time on manual finance tasks, Full Suite is built to take your business further. Here's everything you need to know about making the move.

Why should I upgrade from Standard plan to Full Suite?

Standard plan gives you a powerful foundation — multi-currency payments, OFX Corporate Cards, and competitive exchange rates. But as your business grows, so does the complexity of managing it.

Full Suite is designed for businesses that are ready to move beyond the basics. It adds the automation, controls, and visibility that growing finance teams need to stay on top of everything — without the manual effort.

Here's what you unlock with Full Suite:

• Control Hub — set approval policies, budgets, spend limits, and policy rules across your team.

• AP and Bill Automation — capture, code, and approve bills and invoices with Document Processor and AI Workflows.

• Advanced 2-way sync with Xero and QuickBooks Online.

• Spend management — real-time visibility of every dollar your team spends.

• Account management support — specialist support in your corner as you scale.

• AI Workflows — AI built into daily workflows to increase efficiency and unlock your team's potential.

If your finance team is still chasing approvals over email, manually entering invoices, or reconciling spreadsheets at month end — Full Suite is the upgrade that changes all of that.

What business problems does Full Suite solve that Standard plan does not?

Standard plan handles the fundamentals well. Full Suite solves the problems that come next.

If your team is dealing with any of the following, Full Suite is the answer:

• Approval bottlenecks — payments and bills sitting in inboxes waiting for sign-off.

• Overspending — no visibility into what employees are spending until the end of the month.

• Reconciliation headaches — manually matching transactions in your accounting software.

• Invoice processing delays — manually keying supplier bills into your system.

• Audit and compliance gaps — no clear trail of who approved what and when.

When is Standard plan enough, and when should a growing business move to Full Suite?

Standard plan is a great fit if you're:

• A smaller business with a lean finance team.

• Primarily focused on making global payments and managing currencies.

• Not yet running formal approval processes for spend or payments.

• Using Xero or QuickBooks Online for basic bank feed reconciliation.

It's time to consider Full Suite when:

• You have more than three or four people making financial decisions.

• You're processing regular supplier bills or invoices and want to automate the workflow.

• You need approval policies — for payments, expenses, or bills — to enforce financial controls.

• Your team is spending significant time on manual reconciliation each month.

• You want real-time visibility of company-wide spend, not just end-of-month reports.

• You're using shared cards for business expenses.

• You're managing multiple subscriptions across teams.

• You're making recurring payments to suppliers.

• You're scaling and need your finance processes to scale with you.

Think of Standard plan as the launchpad. Full Suite is the engine that powers the next stage of growth.

How will Full Suite save my finance team time each month?

Time is your finance team's most valuable resource. Full Suite helps give it back.

Full Suite offers access to enhanced controls and automation to help eliminate manual and busy work:

Invoice and bill processing

Document Processor AI Workflow reads your supplier bills automatically — no manual data entry. Bills are coded, routed for approval, and ready to pay in a fraction of the time.

2-way sync with Xero and QuickBooks Online means your books update automatically. Payments, bills, and expenses flow both ways — no more end-of-month data entry marathons.

Approval workflows

Instead of chasing approvals over email or messaging apps, Full Suite routes requests automatically based on the policies you set. Approvers get notified, act, and the process moves forward.

Expense management

OFX Corporate Card transactions are captured in real time. Employees can attach receipts on the go, and The Verifier helps flag unusual activity. Your team spends less time chasing paperwork and more time on work that matters.

OFX AI Workflows

Designed to power up your AP process, OFX AI Workflows apply your spend policies to expenses, flag unusual activity, and automatically extract key details from receipts and invoices.

The result? Less time on admin, more time on strategy.

How can Full Suite improve control over company spend, approvals, and policy compliance?

Control is at the heart of Full Suite. Here's how it works in practice.

Control Hub

Set the rules once, and the platform enforces them automatically. You can:

• Define approval thresholds — for example, any payment over a set amount requires a second approver.

• Assign spend limits to individual employees or teams.

• Set budgets for departments, projects, or cost centres.

• Block specific merchant categories on OFX Corporate Cards.

• Use AI extraction to identify policy rules and help create policies in Control Hub.

Approval workflows

Every payment, bill, and expense can be routed through a structured approval process. You decide who approves what — and the system makes sure nothing slips through without the right sign-off.

Audit trail

Every action is logged. You can see who submitted, who approved, and when — giving you a clear record for internal audits and compliance reviews.

Real-time spend visibility

No more surprises at month end. Full Suite gives you a live view of what's been spent, what's been approved, and what's still pending — across every card, team, and currency.

You're in control. Always.

How can Full Suite help with scaling from a small finance team to a multi-entity or global finance operation?

Growth brings complexity. Full Suite is built to handle it.

As your team grows

Full Suite scales with you. Add users, assign roles, and set permissions without losing visibility or control. Your approval policies and spend limits apply consistently — whether you have five people or 50.

As your supplier base grows

AP and Bill Automation means your accounts payable process doesn't require more headcount to handle more volume. The system does the heavy lifting.

As your currency exposure grows

Full Suite includes everything in Standard plan — Multi-currency accounts, local account details, OFX Corporate Cards, and FX specialists to help manage currency risk. As your global footprint expands, your platform expands with it.

Team permissions

Assign role-based permissions to segregate duties and prevent errors. Mitigate risk with access rights, so internal and external teams can work together.

As your accounting complexity grows

2-way sync with Xero and QuickBooks Online keeps your books accurate without manual effort — even as transaction volumes increase.

When you're ready for the next level

For businesses with multiple entities or very high payment volumes, our Custom plan offers tailored pricing and multi-entity support. Talk to your account manager when you're ready to explore that step.

What ROI should I expect from upgrading to Full Suite?

The return on Full Suite comes from two places: time saved and money saved.

Time savings

• Automated invoice capture and coding could save your finance team hours of manual data entry each week.

• 2-way accounting sync cuts reconciliation time significantly at month end.

• Approval workflows reduce the back-and-forth of chasing sign-offs.

• Batch payments mean processing 50 invoices takes the same effort as processing one.

Cost savings

• Competitive exchange rates on global payments, with clear fees and margins.

• Reduced errors — automated processes mean fewer instances of costly human error in invoice coding or payment details.

• Fewer manual workarounds — less reliance on spreadsheets, email chains, and manual processes that carry risk.

The value of Full Suite grows with your business. The more invoices you process, the more payments you make, and the more your team spends on cards — the more you get back.

Which features in Full Suite are most valuable for companies with frequent global payments or multiple currencies?

If your business operates across borders, Full Suite amplifies everything OFX already does well.

Multi-currency Global Business Account

Hold, receive, and pay in 30+ currencies from a single platform. Convert when rates work in your favour, pay suppliers like a local, and manage global payments in one place.

Batch payments

Paying multiple global suppliers? Send them all in a single batch — across currencies, across countries. One action, many payments.

2-way accounting sync

When you're managing payments in multiple currencies, reconciliation can get complicated fast. Full Suite's 2-way sync with Xero and QuickBooks Online keeps your books accurate automatically — in every currency.

Approval workflows for global payments

Set approval thresholds for cross-border payments. Make sure the right people sign off before funds leave the account — regardless of currency or destination.

Access to FX specialists

Full Suite includes account management support that can connect you with OFX's currency specialists. Get guidance on managing your FX exposure as your global operations grow.

Which features in Full Suite are most valuable for companies with high card spend, many employees, or complex approvals?

If your team is spending on OFX Corporate Cards — and you need to manage that spend carefully — Full Suite gives you the tools to do it properly.

Control Hub — spend limits and budgets

Set individual spend limits for each employee or card. Assign budgets to teams, projects, or cost centres. The platform enforces the rules automatically — no manual monitoring required.

Pre-approval for card spend

Approve spend before it happens. Set rules that require manager approval for purchases above a certain amount, or for specific merchant categories.

Real-time spend visibility

See every card transaction as it happens. No waiting for statements. No surprises at month end. Just a live, accurate view of what your team is spending.

OFX Corporate Cards

Use OFX Corporate Cards to manage employee spend and company expenses with the right controls in place.

Employee Cards

Issue virtual or physical cards to employees with custom limits, approval rules, and budgets for day-to-day business expenses.

Company Cards

Create virtual cards for SaaS subscriptions, supplier payments, department spend, or project-based expenses — each with its own budget and controls.

Expense management

Employees capture receipts on the go. Transactions are matched automatically. Your finance team spends less time chasing paperwork and more time on meaningful work.

Approval workflows

For businesses with complex approval structures — multiple approvers, tiered thresholds, or department-level sign-offs — Full Suite's configurable approval policies handle it all. Policy Enforcer AI Workflow helps turn your spend policies into automated controls, so requests are checked against the right rules before they move through approval. Every request is routed correctly, every time.

Which features in Full Suite are most valuable for companies processing a large volume of supplier bills?

If accounts payable is a significant part of your finance team's workload, Full Suite is built for you.

AP and Bill Automation

Upload a supplier bill and let Document Processor AI Workflow do the rest. Full Suite reads the document, extracts the key data, and pre-populates the fields — ready for your team to review and approve. No manual data entry. No transcription errors.

Bill approval workflows

Route every bill through the right approval process automatically. Set thresholds, assign approvers, and track the status of every bill in real time. Nothing gets paid without the right sign-off.

2-way sync with Xero and QuickBooks Online

Once a bill is approved and paid, it syncs automatically to your accounting software. Your books stay up to date without any manual effort — and reconciliation at month end becomes straightforward.

Batch payments

Pay multiple suppliers in a single action. Whether you're processing 10 bills or 100, batch payments cut the time and effort involved dramatically.

Multi-currency bill payments

Pay global suppliers in their local currency — directly from your Global Business Account. Competitive exchange rates, clear fees, and full visibility of the FX cost before you confirm.

Audit trail

Every bill — from submission to approval to payment — is logged in full. You have a complete record for internal audits, compliance reviews, and supplier queries.

If your team is currently processing supplier bills manually, Full Suite could transform your accounts payable operation — cutting processing time, reducing errors, and giving you complete visibility and control.

Ready to explore Full Suite? Book a personalised demo and speak with one of our specialists. Or start your 30-day free trial directly from your account dashboard under Billing in Setup.