Overview
Payhawk Limited is registered in England and headquartered in London, with offices in New York, Amsterdam, Barcelona, Berlin, Munich, Paris, Stockholm, Warsaw, Sofia and Vilnius; the company says finance teams in more than 33 countries use it[16]. Cards are issued by Payhawk Financial Services UAB in the EEA, Payhawk Financial Services Limited in the UK and Cross River Bank in the US[16].
Payhawk is built from four core modules: Travel, Cards and Expenses, Bill Pay and Procure to Pay[16]. The travel module includes an AI travel agent and zero-markup flight and hotel booking; the AP module supports e-invoicing networks such as Peppol and Poland’s KSeF; procure-to-pay adds purchase orders and three-way matching[16]. Dedicated accounts are available in EUR, GBP, USD, CHF, DKK and PLN, with conversion at mid-market plus 0.3% or 0.7% depending on currency[16]. The company reports PCI DSS Level 1, ISO 27001 and SOC 2 compliance[16].
Only one package has a public price: a Growth programme for single-entity UK or EEA businesses with fewer than ten employees, from £149 per month, with a seven-day trial for eligible customers[16]. All modular plans are quoted, usually on annual or multi-year terms[16].
Payhawk features
- Multi-currency cards and accounts
- AI travel agent and zero-markup booking
- E-invoicing via Peppol and KSeF
- Purchase orders with three-way matching
- Multi-entity management add-on
- Per diems automation
- Switch cards between debit and credit funding
- Local-currency debit cards in seven currencies
Payhawk pricing
Growth programme (single entity, under 10 employees, UK/EEA): from £149/month, 10 cards and 10 seats, up to 15 invoices and 15 reimbursements a month. Modular plans quote-based; contracts typically annual or multi-year.
Payhawk strengths and limitations
Strengths
- Procure-to-pay and e-invoicing in one product
- Six currency accounts
- Low FX margin on major currencies
- Debit and credit on the same platform
- Own regulated issuing entities in EEA and UK
- Local-currency cards in several currencies
Limitations
- Most pricing unpublished
- Multi-year contracts common
- Not offered to UK micro-enterprises under Consumer Duty rules
- Most pricing quote-based
- No cashback stated
- Usage-based charges grow with card and invoice volume
Appears in
- Best Corporate Cards in 2026 #10
- Best Expense Management Software in 2026 #11
- Best Spend Management Software in 2026 #9
Payhawk alternatives and competitors
Alternatives to Payhawk: companies ranked in the same lists.
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Pleo
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Emburse Cards
Spendesk
Expensify
SAP Concur
Soldo
BILL Divvy Card
Mercury
Rippling
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