Payhawk review (2026): features, pros and cons, and what to check before you buy
Spend management platform combining cards, expenses, bill pay and procurement, aimed at European mid-size companies.
Our take for buyers
Payhawk is a spend management platform that combines cards, expenses, bill pay and procurement, aimed at European mid-size companies, with a registered address in London. It issues physical and virtual debit cards in USD, GBP, EUR, RON, DKK, PLN and CHF, and has single-use virtual and metal cards. G2 shows a 4.5 rating from 895 reviews. Pricing is quote based beyond the Growth plan.
It fits UK and EEA companies wanting issued cards plus expenses in one tool, and teams that may add bill pay or procurement later. It is a weaker fit for companies with 20 or more employees that want to self-serve without a quote. Plan which modules you need up front, because pricing beyond Growth is modular.
- Best for
- UK and EEA companies wanting issued cards (USD, GBP, EUR and more) plus expenses in one tool.
- Starting price
- From $299/month (Travel module, en-us); Cards & Expenses from $449/month; UK/EEA Growth from GBP 149/month
- G2 rating
- 4.5 (895 reviews)
What is Payhawk?
Spend management platform combining cards, expenses, bill pay and procurement, aimed at European mid-size companies. Payhawk is a spend platform for European mid-size companies that joins cards, expenses, bill pay and procurement modules. Pricing starts with a flat Growth fee for teams under 20 people, and larger setups move to module-based quotes. Payhawk is based in London, UK (registered address).
Category: Expense Management Software
Payhawk key features
| Criterion | What we found |
|---|---|
| Pricing model | Flat Growth fee, then module and per-unit quotes. |
| Target company size | Growth for under 20 employees; modular for larger. |
| Approval workflows and policy controls | Policy and approval controls described as AI-powered process control. |
| Corporate cards | Physical and virtual debit cards in USD, GBP, EUR, RON, DKK, PLN, CHF; single-use virtual and metal cards. |
| Accounting integrations | ERP integrations (advanced ERP is an add-on); specific list not confirmed by the vendor. |
| Reimbursements and payments | Employee reimbursements included; FX payments to 150 countries claimed. |
| Travel and mileage tracking | Business travel booking module. |
Payhawk plans and pricing
| Plan | Price | Unit | Notes |
|---|---|---|---|
| Travel | $299 | per month | Starting at; payhawk.com/en-us/pricing |
| Cards & Expenses | $449 | per month | Starting at |
| Accounts Payable | $349 | per month | Starting at |
| Procurement | $499 | per month | Starting at |
| Payhawk Complete | Contact sales | Bundle of modules; request demo | |
| Growth | GBP 149 | per month | UK/EEA, 1 entity, under 20 employees; 10 cards, 10 seats, 15 invoices and 15 reimbursements per month; 7-day trial for eligible customers |
| Modules (Cards & Expenses, Travel, Bill Pay, Procurement) | Contact sales | per card, reimbursement, PO, invoice | Unit prices not published |
Growth excludes the add-on library. USD module prices from payhawk.com/en-us/pricing; the GBP Growth plan is shown on the UK page only. No per-seat price published.
Who should shortlist Payhawk
A strong fit for
- UK and EEA companies wanting issued cards (USD, GBP, EUR and more) plus expenses in one tool.
- Teams that may add bill pay or procurement modules later.
A weak fit for
- Teams wanting transparent per-seat pricing (only Growth is published)
- Companies with 20+ employees who want to self-serve without a quote.
Payhawk alternatives
RampCompanies that want cards, expenses and AP in one tool and are fine adopting its card.
Fyle (Sage Expense Management)Teams of 5 or more that already use Sage, QuickBooks or Xero and want card-feed reconciliation.
BrexStartups and mid-size companies that want cards plus expenses on one platform.
Bill Spend & ExpenseSMBs wanting no software fees and a charge card.
EmburseMid-size to large finance teams wanting audited vendor security.
ExpensifyExpensify is a receipt-scanning expense reporting app for small teams, sold per member.
Security, admin and compliance
Payhawk lists SSO/SAML as always included, and integrations with Okta, Microsoft Entra and Google Workspace. A DPA is available at payhawk.com/dpa. SCIM and audit logs are not published, and no security certifications are listed, so ask for them. Data residency is not published, though it runs on AWS and Google Cloud, and the vendor points to security@payhawk.com. Contracts are typically annual or multi-year, and Growth shows 24 months, so negotiate exit terms.
- SAML SSO
- SSO/SAML listed as always included.
- Data residency
- Region not published; runs on AWS and Google Cloud, contact security@payhawk.com.
- Public DPA
- Yes (payhawk.com/dpa)
Contract and buying terms
- Contract
- Annual or multi-year typical; Growth shows 24 months.
- Starting price
- From $299/month (Travel module, en-us); Cards & Expenses from $449/month; UK/EEA Growth from GBP 149/month.
- Pricing model
- Custom.
- Free plan or trial
- Free trial.
What to test in a Payhawk demo or trial
Pick the modules you actually need and ask for a quote on each, since unit prices are not published. Test card issuance in the currencies you use, and the policy and approval controls, which are described as AI-powered process control. Check the accounting integration with your ERP, because the specific list is not published and advanced ERP is an add-on. If you are small, test whether your volume stays inside the Growth caps of 10 cards, 10 seats and 15 invoices and reimbursements a month. Ask about FX payments, which the vendor claims reach 150 countries.
Questions to ask Payhawk before you sign
These are the points Payhawk's public pages leave open. Get the answers in writing before procurement signs off.
- Is SCIM provisioning included, or a paid add-on?
- Which plan includes audit logs, and how long are they kept?
- What will the price be at renewal, and is the increase capped?
Things to know before a demo
- Only the Growth plan has a public price; every module beyond it is quoted per unit.
- Growth is capped at 10 cards, 10 seats (8 employee, 2 admin) and 15 invoices/reimbursements a month.
- Growth price shown with a 24-month commitment.
- Credit line is backed by J.P. Morgan and is a paid add-on.
- SSO/SAML listed as always included.
Payhawk FAQ
What is Payhawk used for?
Payhawk is a spend platform for European mid-size companies that joins cards, expenses, bill pay and procurement modules. Pricing starts with a flat Growth fee for teams under 20 people, and larger setups move to module-based quotes. It suits UK and EEA companies wanting issued cards (USD, GBP, EUR and more) plus expenses in one tool.
Does Payhawk support SSO?
Yes. SSO/SAML is listed as always included, and Okta, Microsoft Entra and Google Workspace integrations are listed. SCIM is not published.
Does Payhawk offer a DPA?
Yes, a DPA is available at payhawk.com/dpa. Data residency is not published, so ask security@payhawk.com which region holds your data.
Who is Payhawk best for?
UK and EEA companies wanting issued cards in several currencies plus expenses in one tool, and teams that may add bill pay or procurement. It is a weaker fit for companies with 20 or more employees who want to self-serve without a quote.
Vendor profile
- Headquarters
- London, UK (registered address)
- Funding or owner
- Backed by Greenoaks, QED, Bek, Eleven Ventures, Lightspeed (amounts not confirmed by the vendor)
Sources
Every fact on this page comes from Payhawk's own pricing, product or documentation pages, G2 and company records, checked on October 24, 2026. Unknown values are left out instead of estimated.