Mesh Payments vs Payhawk (2026): which should you pick?

Pick Mesh Payments if

• Fits if you're a small team of 3 or fewer who want cards and expenses at no cost
• Works for companies with spend in many countries that sync to an ERP

Look elsewhere if

• Tight if you have more than 3 users: past that you're on Premium at $13 a user
• Skip it if you want native mobile apps, as none are listed
• Watch out: cashback needs $50K of monthly spend
• Watch out: card issuing depends on region, with a different bank partner in each
• Watch out: the pricing page doesn't say if $13 is billed monthly or yearly

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

Mesh Payments

• The pricing page does not say whether the $13 per user figure is billed monthly or annually.
• Cashback on payments is advertised with a $50K monthly spend minimum.
• Card issuing depends on the region: the site names SoFi Bank in the US, Peoples Trust Company in Canada, Adyen in Europe and the UK, and NIUM in Australia and Singapore.
• The vendor lists no native mobile apps on the pages we read; employee requests run through WhatsApp, Slack or email.

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.

Mesh Payments

Corporate and virtual cards

Issue cards with controls built in, including cards locked to a single vendor and specialized traveler cards.

Expense management

Collect receipts, route approvals, and handle out-of-pocket and mileage expenses, with spending policies enforced before, during and after a purchase.

Global reimbursements

Pays employee reimbursements in local currencies straight to bank accounts in 100+ countries, according to the vendor.

Accounts payable

Invoice capture and automated payments, plus a ProcurePay product for procurement payments.

ERP sync and coding

Syncs journal entries, vendor bills, reimbursements and accruals to an ERP such as NetSuite, with unlimited custom fields.

Employee assistant

An assistant takes receipts, card requests and policy questions from employees through WhatsApp, Slack or email.

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.

Mesh Payments

• Pro$0

  for up to 3 users

  Spend management for a small team, free for up to 3 users.

• Premium$13

  per user / month, billing period not stated

  Tools to control and scale spend management and operations as the company grows.

• EnterpriseCustom

  Spend and travel control for complex needs, priced through sales.

Payhawk

Pricing could not be confirmed. See payhawk.com.