Payhawk review (2026): features, pros and cons, pricing
Spend management platform combining cards, expenses, bill pay and procurement, aimed at European mid-size companies.
Verdict at a glance
Payhawk is a spend management platform that combines cards, expenses, bill pay and procurement for European mid-size companies. It issues physical and virtual debit cards in several currencies and includes employee reimbursements.
What is Payhawk?
Spend management platform combining cards, expenses, bill pay and procurement, aimed at European mid-size companies. It is built for UK and EEA companies wanting issued cards (USD, GBP, EUR and more) plus expenses in one tool and teams that may add bill pay or procurement modules later. Payhawk is based in London, UK (registered address).
Category: Expense Management Software
Payhawk key features
| Feature | What we found |
|---|---|
| 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 pricing
Payhawk is modular. Growth costs GBP 149 a month for one entity and under 20 employees, with 10 cards, 10 seats (8 employee, 2 admin) and 15 invoices and 15 reimbursements a month. It shows a 24-month commitment, and a 7-day trial for eligible customers. Larger plans are quoted per module: starting prices are $299 for Travel, $349 for Accounts Payable, $449 for Cards & Expenses and $499 for Procurement, and unit prices are not published. Add-ons include advanced ERP and HRIS integrations, budget tracking, extra entities, a J.P. Morgan-backed credit line and extra cards. No per-seat price is published.
| 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 Payhawk is best for
Best 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.
Not ideal 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.
What Payhawk really costs
Payhawk publishes no price list, so the real cost depends on the quote. Use the questions below to turn a sales conversation into a number you can compare.
Add-ons and extras to budget for
- Advanced ERP integrations.
- Enterprise HRIS integrations.
- Budget tracking.
- Additional entities.
- Credit line.
- Additional cards.
Questions to ask about price
- What is the price per user or per unit, and what is the pricing basis (seats, employees, usage)?
- Is there a minimum number of seats or a minimum annual spend?
- What is the discount for annual billing, and can we start monthly?
- How much can the price rise at renewal, and is the increase capped in the contract?
- Are there one-time costs for implementation, onboarding or data migration?
Is Payhawk worth the price?
Payhawk is good value for UK and EEA companies under 20 employees that fit inside the Growth caps and want cards and expenses in one tool. It gets expensive and opaque for larger teams, because every module beyond Growth is quoted per unit and add-ons stack up. It is awkward for companies with 20 or more employees that want to self-serve without a quote, and the commitment is long: annual or multi-year is typical.
Worth it if
- 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.
Look elsewhere if
- Teams wanting transparent per-seat pricing (only Growth is published)
- Companies with 20+ employees who want to self-serve without a quote.
Pricing details most reviews leave out
- 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.
Our verdict on Payhawk
Payhawk is a spend management platform that combines cards, expenses, bill pay and procurement, aimed at European mid-size companies. Only one plan has a clear price: UK and EEA Growth at GBP 149 a month for companies under 20 employees. US module pages show starting prices from $299 a month for Travel, $349 for Accounts Payable, $449 for Cards & Expenses and $499 for Procurement. G2 shows a 4.5 rating from 895 reviews.
Beyond Growth, modules are quoted per unit, such as per card, reimbursement, purchase order or invoice, and those unit prices are not published. Growth shows a 24-month commitment and is capped at 10 cards, 10 seats and 15 invoices and 15 reimbursements a month. Paid add-ons include advanced ERP integrations, credit line and additional cards.
Payhawk FAQ
What is Payhawk used for?
Payhawk is a spend management platform that combines cards, expenses, bill pay and procurement for European mid-size companies. It issues physical and virtual debit cards in several currencies and includes employee reimbursements. It suits UK and EEA companies wanting issued cards (USD, GBP, EUR and more) plus expenses in one tool.
How much does Payhawk cost?
The UK and EEA Growth plan is GBP 149 a month for under 20 employees. On the US page, modules start at $299 a month for Travel, $349 for Accounts Payable, $449 for Cards & Expenses and $499 for Procurement.
What are the limits of the Payhawk Growth plan?
Growth covers one entity, 10 cards, 10 seats (8 employee, 2 admin), and 15 invoices and 15 reimbursements a month. It excludes the add-on library and shows a 24-month commitment.
Does Payhawk have a free trial?
A 7-day trial is offered to eligible Growth customers. There is no free plan.
About Payhawk
- Headquarters
- London, UK (registered address)
- Funding or owner
- Backed by Greenoaks, QED, Bek, Eleven Ventures, Lightspeed (amounts not confirmed by the vendor)
Listed in: Expense Management Software
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.