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Answers to questions you might have about Cobalt Ledger.
Cobalt Ledger is a spend management and corporate card platform for startups. It gives every team real-time budgets, automated receipt capture, and reconciliation that closes the books in days, not weeks.
Cobalt Ledger is built for finance and operations teams at venture-backed startups. Corporate cards and spend, reconciled in real time.
Cobalt Ledger is PCI-DSS compliant, holds SOC 2 Type II, and isolates customer funds in a regulated banking partner.
Yes. Cobalt Ledger integrates with QuickBooks, Xero, NetSuite, and Slack, and offers an API so you can connect the tools you already use.
Yes. Cobalt Ledger is designed for finance and operations teams at venture-backed startups and works out of the box — most teams are set up the same day, and our team helps with onboarding.
Cobalt Ledger has no per-seat software fee on the Starter plan; revenue comes from interchange and a 0.9% fee on non-USD transactions. The Scale plan adds approval workflows, accounting integrations, and multi-entity support for a monthly platform fee. Enterprise terms are negotiated for high spend volumes.
Yes. Every plan starts with a no-credit-card trial so finance and operations teams at venture-backed startups can evaluate Cobalt Ledger before committing.
Absolutely — upgrade, downgrade, or move to an annual contract at any time, and changes are prorated automatically.
We offer annual-commit discounts, a startup program, and discounted education / nonprofit pricing. Volume pricing for larger teams is quoted individually.
Cobalt Ledger never cuts off your service. Overages are billed at published per-unit rates and you can set a hard spend cap.
Yes. Enterprise adds SSO, SCIM, dedicated infrastructure, custom limits, and a 99.99% SLA. Pricing is quoted per company.
The short version — see the pricing cards above for prices.
| Capability | Starter | Advanced | Enterprise |
|---|---|---|---|
| Core platform | ✓ | ✓ | ✓ |
| QuickBooks integration | ✓ | ✓ | ✓ |
| Email support | ✓ | ✓ | Priority |
| Reporting & dashboards | Basic | Advanced | Custom |
| SSO (SAML / OIDC) | — | ✓ | ✓ |
| SCIM provisioning | — | — | ✓ |
| Audit logs & SIEM export | — | ✓ | ✓ |
| Data residency (EU / US) | — | — | ✓ |
| Dedicated success manager | — | — | ✓ |
| 99.99% uptime SLA | — | — | ✓ |
Three real-world scenarios so you can ballpark Cobalt Ledger for your team.
On the Starter plan, a team this size typically pays around $0 + 0.9% FX and stays well within the included usage. Most teams stay on Starter for 6–12 months before upgrading.
Most mid-market customers move to Advanced for SSO, advanced reporting, and the integrations beyond QuickBooks. Annual commits include a 15% discount.
Enterprise pricing is quoted per company. It adds dedicated infrastructure, audit logs/SIEM export, data residency, and a 99.99% SLA — see the comparison above.
Right after a card is swiped, the cardholder receives a text and replies with a photo of the receipt, which Cobalt matches to that transaction. No app login or expense form is required.
Coded transactions sync to QuickBooks, Xero, and NetSuite, including the GL account and class mapping you configure.
Yes. Every physical and virtual card has its own limit and budget, and you can lock a virtual card to a single vendor.
Transactions arrive already categorized with receipts attached, so you review and approve them in one queue and push the batch to your accounting system.
Switch to an annual contract and pay 15% less than monthly. Available on every paid plan.
Series A-and-earlier startups under 50 employees get 50% off the first year of Cobalt Ledger. Apply through sales.
Verified educational institutions and registered nonprofits get 50% off any plan, every year, no expiry.
Customers over a certain volume tier of spend management platform usage receive automatic tiered pricing. The break-points are documented in your contract.
Try Cobalt Ledger for 30 days — if it isn't the right fit, we refund every dollar, no questions. Enterprise plans add a 99.99% uptime SLA with credits, and we'll migrate your data from any incumbent spend management platform at no charge.
The fastest way to evaluate spend management platform pricing is to compare it to what it replaces, not to its list price. Customers consolidating multiple overlapping spend management platform tools usually find Cobalt Ledger pays for itself in the first quarter — before any productivity gains.
Beyond consolidation, the second-order effects compound: faster onboarding for new hires, fewer hand-offs between teams, cleaner data flowing into the rest of your stack, and audit trails ready before security review asks. We document each of these in customer ROI reviews and would be happy to share the template before you decide.