Mooncard vs Payhawk (2026): which should you pick?
As of Nov 13, 2026, Mooncard and Payhawk share a 1.8 GPA, neither has a free plan and their prices can't be set side by side, so the choice depends on which platforms you need.
Checked Nov 12, 2026 and Nov 13, 2026 · graded Nov 12, 2026 and Nov 13, 2026 by ToolGPA
They get the same grade on all five counts.
Price, platforms and features side by side. The table says where each price was read and when.
Mooncard
Company payment cards with expense reports and accounting exports
Paid
Which one is for you
Pick Mooncard if
- Fits if you run a company in France that wants cards and receipts in one tool
- Works for finance teams that hand accounts to Sage, Cegid or SAP
Look elsewhere if
- Skip it if you want a posted price, since both packages are quoted after a demo
- Pricey if you want a card that costs nothing to issue, as the page states 10 euros a card
- Watch out: custom approval flows and duplicate detection are options on both packages
- Watch out: Flying Blue cards show 1.5% or 3% load fees, and the site is French with an English switch
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
| 1.8GPAMooncardWeak | 1.8GPAPayhawkWeak | |
|---|---|---|
| Value for money | CNo subscription price is published; Original and Hub are quoted after a demo. The pricing page does show a 10 euro card issuance fee and a 0% load fee. | 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 | FNothing free and no trial on the listing; both packages go through a demo request. | FNo free plan and no trial; the pricing page is built around modules and a demo request. |
| Features | CPhysical and virtual cards, spending rules, receipt capture, accounting, mileage and multi-entity reporting. Custom approval flows and duplicate detection are options on both packages. | 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. The accounting engine and links to Sage, Cegid or SAP need setting up first. | CNo store rating on record. Modules, cards and accounting links to set up. |
| Platforms and integrations | BWeb, iOS and Android with a list of accounting and ERP integrations. No desktop app. | BWeb and iPhone, with eight integrations on record. No Android app listed. |
| Best for | company cards with built-in receipts and accounting | 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: Mooncard and Payhawk. How we grade
Where they differ
- Mooncard also covers reports.
- Payhawk also covers workflow automation and bill pay.
In commonWebiOSExpense trackingCompany cards
At a glance
| Mooncard | Payhawk | |
|---|---|---|
| Pricing | Paid | Paid |
| Starts at | Not published | Not published |
| Free plan | None | None |
| Free trial | None listed | None listed |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Moongroup | Payhawk |
| Price read from | Not confirmed | Not confirmed |
| Checked | Nov 13, 2026 | Nov 12, 2026 |
Worth knowing
Mooncard
- No prices are published; both packages, Original and Hub, are quoted after a demo request.
- The pricing page states a card issuance fee of 10 euros and a 0% load fee; Flying Blue cards show 1.5% or 3%.
- Several controls, including custom approval flows and duplicate detection, are marked as options on both packages.
- The site is in French, with an English switch; the Visa card is issued by Paynovate, according to its legal notice.
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
Mooncard
- Physical and virtual Visa cards
- The pricing page lists physical Visa cards, recurring or single-use virtual cards, Apple Pay and Google Pay, 3D Secure and cash withdrawals at ATMs.
- Spending rules
- Limits can be set per employee, per purchase and per period, with rules by hours, days, merchant type and expense type, plus alerts when a limit is passed.
- Receipt capture
- SMS and push notifications ask the cardholder for the receipt, and OCR reads the details. Cards can be blocked automatically while receipts are missing, as an option.
- Accounting engine
- Expense categories, VAT codes and export templates are configurable, with bank reconciliation, evidential archiving and exports to accounting software.
- Expense reports and mileage
- Expense report entry and mileage allowances are listed as options on both packages, alongside approval workflows and duplicate detection.
- Multi-entity reporting
- The Hub package adds management and reporting across several legal entities, with five seats per entity and preferential pricing for entities.
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
Mooncard
Pricing could not be confirmed. See mooncard.co.
Payhawk
Pricing could not be confirmed. See payhawk.com.
Common questions
Which is cheaper, Mooncard or Payhawk?
As of Nov 13, 2026, Mooncard has no price we could confirm, and Payhawk has no price we could confirm.
Which has a free plan, Mooncard or Payhawk?
As of Nov 13, 2026, neither Mooncard nor Payhawk has a free plan.
Which platforms do Mooncard and Payhawk run on?
As of Nov 13, 2026, only Mooncard lists an Android app. Both list a web app and an iOS 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.