Anyone else dealing with this kind of mess in their finance stack?

My team is spending across about five countries but we are still tracking everything in one giant spreadsheet. It is getting to the point where I cannot clearly see which department actually owns a SaaS subscription. We have also had situations where it feels like vendors might be charging twice but it takes a long time to confirm. On top of that, contractors are often waiting days for wire transfers to clear which keeps slowing things down.
Most of the time it feels less like we are managing spending and more like we are trying to reconstruct what already happened.
I recently came across a setup like PIO Card that separates spending by use case instead of using one shared pool. For example, different cards for SaaS, ads, vendors, and contractors. Each one has its own budget, its own limit, and real time tracking so you can actually see what is happening as it happens.
I am curious if anyone has moved away from spreadsheets or shared cards to something like this and whether it actually reduces cleanup work or just moves the complexity somewhere else.