Payhawk
AI-powered spend management with corporate cards and expense tracking
About Payhawk
Payhawk is an AI-powered spend management platform that combines corporate cards, expense management, accounts payable, and procure-to-pay workflows into a single solution. Used by finance teams across 32+ countries, it automates receipt capture, enforces approval workflows, and provides real-time spending analytics with deep ERP integrations for QuickBooks, Xero, Sage, and NetSuite.
Pros & Cons
Pros
- All-in-one platform combining cards, expenses, AP, and procurement
- Strong ERP integration ecosystem
- Available in 32+ countries with multi-currency support
- AI-powered automation reduces manual work
- Real-time spending visibility and controls
Cons
- Starting at $599/month, expensive for small businesses
- No free tier available
- Growth program for SMBs has limited features
- Primarily European-focused, expanding in US market
Key Features
Corporate cards
Issue physical and virtual Visa corporate cards with real-time controls
Expense management
Automated receipt capture and expense report generation
Accounts payable
Streamline bill payments and invoice processing
Procure-to-pay
End-to-end procurement workflows with purchase orders
International payments
Send bank payments in multiple currencies across 32+ countries
AI-powered automation
Smart receipt matching, categorization, and workflow automation
ERP integrations
Native connections to QuickBooks, Xero, Sage, NetSuite, and more
Real-time analytics
Spending dashboards and budget tracking across the organization
Approval workflows
Multi-level approval chains with policy enforcement
Multi-entity support
Manage spend across multiple business entities and currencies
Pricing
- Corporate cards (physical & virtual)
- Expense management
- Receipt capture with OCR
- Approval workflows
- Basic reporting
- Accounts payable automation
- International bank payments
- Vendor management
- Invoice processing
- Full procurement workflows
- Purchase orders
- Budget management
- Advanced analytics
- ERP integrations
Featured In
Best Business Travel Platforms for Finance Teams at Companies Under 200 Employees (2026)
Best for European and multi-entity finance teams where expense and card complexity matter more than travel booking depth.
Best Travel and Expense Platforms for Mid-Market Companies (2026)
Best for mid-market companies whose spend story is corporate cards and AP automation rather than travel volume.
5 Best Expense Management Platforms for Finance Teams (2026)
Best for mid-market and growing finance teams — especially in Europe or with multi-entity operations — that want cards, expenses, and AP unified under one platform with deep ERP sync.