The Payhawk Insider’s Guide
Everything we know about Payhawk in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Payhawk
The Insider’s Guide
Cards, expenses, payables and travel in one spend platform
Every plan, grade, refund rule and rival among spend and bill pay tools, read from Payhawk’s own pages.
Made by Payhawk · checked Nov 12, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Payhawk’s own pages, its app-store listings and our grades. Every fact in it is on Payhawk’s page too, where it is kept up to date. Checked Nov 12, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
1.8
GPA, above 7 of the 51 other spend and bill pay tools we grade
Payhawk is a spend management platform that combines corporate cards, expense management, accounts payable, procurement and business travel. It sells these as separate modules with add-ons, and says all plans include unlimited employee seats and card transactions. Prices are not published; pricing is arranged through a demo.
To get you started, here are 7 things to know about Payhawk, taken from its own pages and our grades.
No prices are published, the big ERPs and budgeting are paid add-ons, and currency conversion carries a mark-up.
- 1
Best for cards, expenses and payables for EU companies
Payhawk combines corporate cards, automatic expense creation, payables, procurement and accounting automation.
- 2
It runs on 2 platforms
Web and iOS.
- 3
Corporate cards
Physical and virtual debit cards in several currencies, with single-use virtual cards and spend limits by amount, merchant, category or country.
- 4
Automatic expense creation
An expense is created on each card payment, with receipt capture, mailbox matching and reminders, plus mileage and per diem reimbursements.
- 5
Accounts payable and procurement
Invoice capture and approval, purchase order requests and 2-way and 3-way matching, with supplier payments in 115 currencies.
- 6
A 1.8 GPA, above 7 of 51
That is against the other spend and bill pay tools we grade, on value, the free plan, features, ease of use and platforms.
- 7
Keep it
To replace Payhawk you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
Payhawk at a glance
- Pricing
- Paid
- Free plan
- No
- Free trial
- None stated
- Runs on
- Web, iOS
- Made by
- Payhawk
- Category
- Spend & Bill Pay
- Our grade
- 1.8 GPA, weak
The report card
Best for cards, expenses and payables for EU companies
Payhawk combines corporate cards, automatic expense creation, payables, procurement and accounting automation. No prices are published, the big ERPs and budgeting are paid add-ons, and currency conversion carries a mark-up.
| Subject | Grade | Comment |
|---|---|---|
| Value for money | C | No price is published, so we leave it at the middle of the category's $7.50, $12 and $20 figures. |
| Free plan and trial | F | No free plan and no trial; the pricing page is built around modules and a demo request. |
| Features | C | Cards, expenses, payables, procurement, accounting automation, travel and AI agents. Budget management and business travel are separate add-ons. |
| Ease of use | C | No store rating on record. Modules, cards and accounting links to set up. |
| Platforms and integrations | B | Web and iPhone, with eight integrations on record. No Android app listed. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
Who Payhawk is for
- Fits if you want cards, expenses and payables on one platform
- Works for firms on the accounting systems it lists
Who it is not for
- 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
Good to know
Good for
- European finance teams that want cards and expenses in one tool
- Companies with several legal entities and currencies
- Teams that want to add procurement or travel later as modules
Worth knowing
- 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.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
Payhawk's current pricing could not be confirmed from its own site.
No free plan and no trial; the pricing page is built around modules and a demo request.
We could not confirm Payhawk’s current prices from its own site, so this guide lists no plans. payhawk.com has them.
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
2
Places it runs: Web and iOS
Cards, expenses, payables and travel in one spend platform. Here is what it does, as its own site describes it, and what it covers: AI features, workflow automation, expense tracking, bill pay, company cards.
Cards, expenses, payables, procurement, accounting automation, travel and AI agents.
- 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.
Where it runs
- Web
- iOS
What it works with
- Xero
- QuickBooks Online
- Exact Online
- NetSuite
- Dynamics 365
- SAP S/4HANA
- Workday
- Hibob
Payhawk is made by Payhawk.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
7/51
Other spend and bill pay tools it is graded above
Payhawk's GPA of 1.8 is higher than 7 of the 51 other spend and bill pay tools we grade, and level with 18.
It stands best on platforms and integrations (B, above 9 of 51) and worst on free plan and trial (F, above 0).
Each grade against the category
Every bar is all 52 spend and bill pay tools we grade, cut by the letter each got. Payhawk’s own letter is outlined.
- CValue for moneyAbove 3 of 51
- FFree plan and trialAbove 0 of 51
- CFeaturesAbove 3 of 51
- CEase of useAbove 0 of 51
- BPlatforms and integrationsAbove 9 of 51
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
Keep it
To replace Payhawk you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
That makes this kind of software worth paying for, not this one in particular: 26 of the 51 other spend and bill pay tools grade higher.
What you could make
- Expense tracking: an app builder makes this well.
What you could not
- Cards issued through a bank.
- Money moved between bank accounts, which takes a licensed payments partner.
- Connections to other products, each kept working as those products change.
- A real app for iOS. Something home-made would be a web page.
- AI features, unless you pay a model provider for each request yourself.
What this rests on. Payhawk’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Spendesk, Pleo, Moss, Soldo and Ramp
The 5 tools Payhawk is most often weighed against, with where each one differs from it.
- 2.2GPA
Spendesk
Paid
Spend management with unlimited cards and users, priced by quote.
- Only Spendesk lists an Android app.
- Payhawk also covers workflow automation.
- 1.8GPA
Pleo
From $12/mo
Company spending cards and expense reports from Copenhagen.
- Only Pleo lists an Android app.
- Payhawk also covers workflow automation and bill pay.
- 1.8GPA
Moss
Paid
Corporate cards, reimbursements and payables for EU companies.
- Only Payhawk lists an iOS app.
- 2.2GPA
Soldo
Free trial · from £27/mo
Prepaid company cards and spend control for UK and EU teams.
- Only Payhawk lists an iOS app.
- 3.6GPA
Ramp
Free plan · from $15/mo
Corporate cards, expenses, travel and bill pay, with a free plan.
- Ramp has a free plan. Payhawk does not.
- Only Ramp lists an Android app.
- Payhawk also covers workflow automation.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
10
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
Is Payhawk free?
No. Payhawk is a paid product.
What platforms does Payhawk work on?
Payhawk is available on Web and iOS.
Does Payhawk have an Android app?
No Android app was listed when its pages were read on Nov 12, 2026. Payhawk is listed for Web and iOS.
Does Payhawk have a Windows app?
No Windows app was listed when its pages were read on Nov 12, 2026. Payhawk is listed for Web and iOS.
Is Payhawk open source?
Payhawk is not described as open source on its own site, as read on Nov 12, 2026.
What does Payhawk integrate with?
Payhawk's listing names Xero, QuickBooks Online, Exact Online, NetSuite, Dynamics 365, SAP S/4HANA, Workday and Hibob.
Who makes Payhawk?
Payhawk is made by a company of the same name.
What are the alternatives to Payhawk?
The closest alternatives to Payhawk in our directory are Spendesk, Pleo, Moss, Soldo and Ramp.
How does Payhawk compare with other spend and bill pay tools?
Payhawk's GPA of 1.8 is higher than 7 of the 51 other spend and bill pay tools we grade, and level with 18.
Could I make my own version of Payhawk?
To replace Payhawk you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
Where this guide comes from
The prices, plans, platforms and features were read from Payhawk’s own pages on Nov 12, 2026, and the grades were given on Nov 12, 2026. Graded from this listing, whose facts were read from Payhawk's own pages on 12 November 2026. Not based on using the product, and shorter than our full reviews.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Payhawk. Prices change, so check payhawk.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
5,038
Tools graded, in 95 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
5,038
tools graded
95
categories
739
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Payhawk, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/payhawk
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Payhawk: The Insider's Guide", checked Nov 12, 2026. https://toolgpa.com/tools/payhawk
Know someone choosing between spend and bill pay tools?
Send them this guide: toolgpa.com/tools/payhawk/guide
ToolGPA elsewhere: youtube.com/@toolgpa
See our other guides
The best-graded spend and bill pay tools after Payhawk, each with an Insider's Guide of its own.
- Spend & Bill Pay Insider's GuideEvery one of the 52 spend and bill pay tools we grade, compared
- Brex Insider's GuideCorporate cards, expenses, bill pay and travel for growing companies3.6 GPA
- Ramp Insider's GuideCorporate cards, expenses, travel and bill pay, with a free plan3.6 GPA
- Airwallex Insider's GuideMulti-currency business accounts, cards, bill pay and expenses3.2 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Payhawk’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Payhawk is a trademark of its owner, and this guide is not made, paid for or approved by Payhawk. Prices and plans change: check payhawk.com before you buy.