Libeo vs Payhawk (2026): which should you pick?
As of Nov 12, 2026, Payhawk grades higher than Libeo: 1.8 against 1.6 out of 4.0.
Checked Nov 12, 2026 · graded Nov 12, 2026 by ToolGPA
Payhawk grades higher on platforms. They get the same grade on value for money, the free plan, features and ease of use.
Price, platforms and features side by side. The table says where each price was read and when.
Which one is for you
Pick Libeo if
- Fits if you are a French company paying many suppliers
- Works for finance teams that want approvals and payment in one place
Look elsewhere if
- Not for you if you need English pages, as the site and product pages are French
- Pricey if you can't see a price, as none is published
- Too light for employee expense reports, as it is built around supplier invoices
- Watch out: no mobile apps or platforms beyond the web login are listed
Pick Payhawk if
- Fits if you want cards, expenses and payables on one platform
- Works for firms on the accounting systems it lists
Look elsewhere if
- Pricey if you can't see a price, as the page leads to a demo
- Watch out: NetSuite, Dynamics 365, SAP S/4HANA and advanced HR links are add-ons
- Watch out: currency conversion carries a 0.3% mark-up on EUR, GBP, USD and CHF and 0.7% on DKK and PLN
- Tight if you need budgets or travel, as both are paid add-ons
- Skip it if you use Android, as only a web and iOS listing is on record
How we grade them
| 1.6GPALibeoWeak | 1.8GPAPayhawkWeak | |
|---|---|---|
| Value for money | CNo price is published, so it can't be set against the category's $7.50, $12 and $20 figures. Middle by default. | CNo price is published, so we leave it at the middle of the category's $7.50, $12 and $20 figures. |
| Free plan and trial | FNo free plan and no trial on record; the pricing page leads to a demo request. | FNo free plan and no trial; the pricing page is built around modules and a demo request. |
| Features | CSupplier invoices and payments, approval flows and rights, payment cards, budgets, multi-entity management and e-invoicing. The listing shows it is built for French payables rather than expense reports. | CCards, expenses, payables, procurement, accounting automation, travel and AI agents. Budget management and business travel are separate add-ons. |
| Ease of use | CNo store rating on record. Approval flows and accounting connections to set up first. | CNo store rating on record. Modules, cards and accounting links to set up. |
| Platforms and integrations | CWeb only on record, with four integrations. No mobile apps listed. | BWeb and iPhone, with eight integrations on record. No Android app listed. |
| Best for | supplier invoices and payments for French companies | cards, expenses and payables for EU companies |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Libeo and Payhawk. How we grade
Where they differ
- Libeo also covers dashboards.
In commonWebAI featuresWorkflow automationExpense trackingBill payCompany cards
At a glance
| Libeo | Payhawk | |
|---|---|---|
| Pricing | Paid | Paid |
| Starts at | Not published | Not published |
| Free plan | None | None |
| Free trial | None listed | None listed |
| Web | ||
| iOS | ||
| Made by | Libeo | Payhawk |
| Price read from | Not confirmed | Not confirmed |
| Checked | Nov 12, 2026 | Nov 12, 2026 |
Worth knowing
Libeo
- No prices are published; the pricing page leads to a demo request.
- The website and product pages are in French and built around the French market.
- The site does not list mobile apps or platforms beyond the web login.
Payhawk
- No prices are published; the pricing page is built around modules and a demo request.
- NetSuite, Dynamics 365, SAP S/4HANA and advanced HR integrations are marked add-ons.
- Currency conversion carries a stated mark-up of 0.3% on EUR, GBP, USD and CHF and 0.7% on DKK and PLN.
- Budget management and business travel are separate add-ons to the core platform.
Key features
Libeo
- Supplier invoices and payments
- Centralizes the purchase cycle from the request for spend to approval of the supplier payment.
- Approval flows and rights
- User rights can be tailored so each team member checks documents or approves spend commitments according to company process.
- Payment cards
- A payment card product sits alongside supplier invoices for team expenses, under the same platform.
- Budgets and dashboards
- Dashboards, budget management and configurable alerts give a view of company spend and cash.
- Multi-entity management
- Groups, franchise networks and separate businesses can see consolidated spend and reporting in one place.
- E-invoicing
- The site says the software is compatible with the 2026 French electronic invoicing reform.
Payhawk
- Corporate cards
- Physical and virtual debit cards in several currencies, with single-use virtual cards and spend limits by amount, merchant, category or country.
- Automatic expense creation
- An expense is created on each card payment, with receipt capture, mailbox matching and reminders, plus mileage and per diem reimbursements.
- Accounts payable and procurement
- Invoice capture and approval, purchase order requests and 2-way and 3-way matching, with supplier payments in 115 currencies.
- Accounting automation
- Automated coding and VAT coding, with live integrations to Xero, QuickBooks Online and Exact Online, and native ERP add-ons such as NetSuite.
- Business travel module
- Flight and hotel booking with custom travel policy, trip approvals and automatic per diems calculated from bookings.
- AI agents
- Procurement, Payments and Financial Controller agents for the finance team, with an MCP connection for Claude and ChatGPT.
Plans
Libeo
Pricing could not be confirmed. See libeo.io.
Payhawk
Pricing could not be confirmed. See payhawk.com.
Common questions
Which is cheaper, Libeo or Payhawk?
As of Nov 12, 2026, Libeo has no price we could confirm, and Payhawk has no price we could confirm.
Which has a free plan, Libeo or Payhawk?
As of Nov 12, 2026, neither Libeo nor Payhawk has a free plan.
Which platforms do Libeo and Payhawk run on?
As of Nov 12, 2026, only Payhawk lists an iOS app. Both list a web app. A platform missing from a listing is one its maker's pages did not mention.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.