Expense Management Software
Payhawk review
Spend management platform combining cards, expenses, bill pay and procurement, aimed at European mid-size companies.
Payhawk at a glance
- Category
- Expense Management Software
- Starting price
- From $299/month (Travel module, en-us); Cards & Expenses from $449/month; UK/EEA Growth from GBP 149/month
- Pricing model
- custom
- Public pricing
- No
- Free plan
- No
- Free trial
- Yes
- Contract
- annual or multi-year typical; Growth shows 24 months
- G2 rating
- 4.5 (895 reviews)
- Headquarters
- London, UK (registered address)
- Funding or owner
- Backed by Greenoaks, QED, Bek, Eleven Ventures, Lightspeed (amounts not verified)
- Integrations
- Okta, Microsoft Entra, Google Workspace
Who Payhawk is for
Choose Payhawk 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.
Payhawk 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.
What Payhawk really costs
- Billing
- Quote.
- Add-ons
- Advanced ERP integrations; Enterprise HRIS integrations; Budget tracking; Additional entities; Credit line; Additional cards.
Payhawk features by buying criteria
| 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 verified. |
| Reimbursements and payments | Employee reimbursements included; FX payments to 150 countries claimed. |
| Travel and mileage tracking | Business travel booking module. |
What most Payhawk 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.
Payhawk alternatives
RampCompanies that want cards, expenses and AP in one tool and are fine adopting its card.$0 (Free); Plus $15 per user per month plus platform fee
Fyle (Sage Expense Management)Teams of 5 or more that already use Sage, QuickBooks or Xero and want card-feed reconciliation.$11.99 per active user/month, billed annually (Growth, 5 user minimum)
BrexStartups and mid-size companies that want cards plus expenses on one platform.$0 per user per month (Essentials)
Bill Spend & ExpenseSMBs wanting no software fees and a charge card.$0 per user per month
EmburseMid-size to large finance teams wanting audited vendor security.Contact sales
ExpensifyExpensify is a receipt-scanning expense reporting app for small teams, sold per member.Contact sales
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.