Payhawk vs Spendesk (2026): which should you pick?

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

Pick Spendesk if

• Fits if you want unlimited cards and users without paying per head
• Works for finance teams in the EEA, the UK or the US that want receipts collected for them

Look elsewhere if

• Skip it if you want to see a price before you talk to sales
• Not for you if you want a free plan or a trial to poke around in first
• Tight if supplier invoices matter, since accounts payable is a paid add-on
• Watch out: each card purchase, invoice payment and expense claim carries a variable fee on top
• Watch out: procurement, advanced workflows, HR and ERP links and AI fraud checks are all add-ons

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.

Spendesk

• No prices are published: Spendesk quotes a fixed monthly platform fee plus variable fees on card purchases, invoice payments and expense claims.
• Procurement, accounts payable, advanced workflows, HR and ERP integrations and AI fraud detection are add-ons to the base package.
• It serves the EEA, the UK and the US; payments and Visa debit cards come from Spendesk Financial Services, Adyen and Sutton Bank respectively.
• There is no free plan or published free trial; Spendesk offers a demo and a product tour instead.

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.

Spendesk

Unlimited cards

Physical cards for employees, single-use cards for one-off payments, recurring virtual cards for subscriptions and multi-use cards for projects or events.

Receipt collection

Custom rules and automatic reminders chase receipts, OCR reads them, and they are matched to the right card payment straight away.

Expense claims

Out-of-pocket expenses are submitted, reimbursed and tracked alongside card spending.

Budgets

Track spending against budgets in real time, with multi-entity workflows and reporting in the base package.

Accounts payable add-on

Manage supplier invoices and pay suppliers worldwide in the right currency, with procurement as a separate add-on.

Integrations and API

Connects to Xero, QuickBooks, DATEV and Slack, offers an open API, and links spend data to AI assistants through an MCP connector.

Payhawk

Pricing could not be confirmed. See payhawk.com.

Spendesk

Pricing could not be confirmed. See spendesk.com.