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ERP · head to head

GEP SMART vs Payhawk

GEP SMART logo

GEP SMART

ERP

Enterprise source-to-pay from a vendor that also sells the consulting and the outsourced procurement team

From
On request
Rated
-
Full reviewWebsite
Payhawk logo

Payhawk

Payroll

Modular spend management combining corporate cards, accounts payable, procurement and travel

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: GEP SMART gEP sells the software, the consulting and the outsourced procurement team, so the vendor measuring the savings is often the vendor delivering them, which makes independent verification difficult.; Payhawk buying the full stack of Travel, Accounts Payable, Cards and Procurement separately costs more than a single suite price, since each module carries its own flat monthly fee.
  • They diverge on capability: GEP SMART covers Unified source-to-pay, Payhawk covers Corporate cards.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which GEP SMART and Payhawk actually diverge.

Attributes where GEP SMART and Payhawk differ
AttributeGEP SMARTPayhawk
Pricing modelquotePer module per month
CategoryERPPayroll

Identical on both: starting price (On request), free tier (No), platforms (Web, iOS, Android), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in GEP SMART

  • Unified source-to-pay
  • Spend and category analytics
  • Savings tracking
  • Supplier risk management
  • GEP QUANTUM
  • Managed services attachment

Only in Payhawk

  • Corporate cards
  • Accounts payable automation
  • Procurement module
  • Travel booking
  • ERP integrations
  • Multi-entity consolidation

What people use each for

The jobs each tool is most often brought in to do.

GEP SMART

  • An enterprise that needs category expertise as well as software and would otherwise run two procurement processesnot Payhawk
  • A company outsourcing tactical sourcing while retaining strategic categories, using one platform across bothnot Payhawk
  • A multinational consolidating regional procurement systems onto one spend taxonomynot Payhawk
  • An organisation that needs savings tracked and reconciled against realised spend rather than claimed in a spreadsheetnot Payhawk

Payhawk

  • A multi-entity European business wanting one system for cards, expenses and payables across currenciesnot GEP SMART
  • A finance team that wants to price spend management before a sales call rather than negotiating blindnot GEP SMART
  • A company wanting only accounts payable automation without paying for card issuing it does not neednot GEP SMART
  • A mid-market business standardising ERP-integrated expense reporting ahead of a fundraise or auditnot GEP SMART

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

GEP SMART

  • GEP sells the software, the consulting and the outsourced procurement team, so the vendor measuring the savings is often the vendor delivering them, which makes independent verification difficult.
  • Nothing is published and reported entry points around half a million US dollars a year exclude implementation, which GEP typically delivers itself rather than through a competing integrator.
  • Implementation being delivered by the vendor limits the pool of independent consultants who can advise you during the project or take over afterwards.
  • Combined software and services engagements are difficult to unwind, because replacing the platform also means rebuilding procurement capability the outsourcer was providing.
  • The platform is scoped for very large enterprises, so mid-market organisations face both a price and a complexity floor that no module selection brings down.

Payhawk

  • Buying the full stack of Travel, Accounts Payable, Cards and Procurement separately costs more than a single suite price, since each module carries its own flat monthly fee.
  • The unlimited-seats model is a poor fit for a company issuing cards to only a handful of employees, since the fixed module price does not scale down.
  • Card issuing depends on Payhawk's own banking partners rather than a company's existing bank, so switching away later means reissuing cards and re-training staff on a new tool.
  • Procurement is a separate paid module rather than a built-in feature, so a company evaluating "Payhawk" from marketing material may be looking at capability it has not actually bought.
  • International card acceptance and FX handling vary by market, and companies with material spend outside Europe report gaps compared to global card issuers.

Pricing, plan by plan

GEP SMART

On request
  • GEP SMART$undefined/year
    • Scaled by managed spend volume, modules and user count
    • Third parties report deployments starting around 500,000 USD per year
    • Frequently bundled with GEP consulting or managed services

Payhawk

On request
  • Travel$299/month
    • Integrated travel booking
    • Unlimited employee seats
  • Accounts Payable$349/month
    • Invoice capture and approval routing
    • Unlimited document processing
  • Cards and Expenses$449/month
    • Unlimited card transactions
    • Multi-entity expense management
  • Procurement$499/month
    • Purchase request and approval workflow
    • Vendor management

Which should you pick?

Choose GEP SMART if

  • You need unified source-to-pay.
  • You work on Web, iOS, Android.
  • You also want spend and category analytics.
GEP SMART review

Choose Payhawk if

  • You need corporate cards.
  • You work on Web, iOS, Android.
  • You also want accounts payable automation.
Payhawk review

Questions people ask

Is GEP SMART or Payhawk better?
Neither clearly leads. GEP SMART starts at On request and Payhawk at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, GEP SMART or Payhawk?
GEP SMART starts at On request and Payhawk at On request.
Does GEP SMART or Payhawk run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is GEP SMART best used for?
GEP SMART is most often used for an enterprise that needs category expertise as well as software and would otherwise run two procurement processes, a company outsourcing tactical sourcing while retaining strategic categories, using one platform across both, a multinational consolidating regional procurement systems onto one spend taxonomy, an organisation that needs savings tracked and reconciled against realised spend rather than claimed in a spreadsheet. Of those, an enterprise that needs category expertise as well as software and would otherwise run two procurement processes and a company outsourcing tactical sourcing while retaining strategic categories, using one platform across both are not what Payhawk is typically brought in for.
What can GEP SMART do that Payhawk cannot?
GEP SMART covers Unified source-to-pay, Spend and category analytics, Savings tracking, Supplier risk management. Payhawk covers Corporate cards, Accounts payable automation, Procurement module, Travel booking.

Answered from the vendors’ own pages

GEP SMART: Is GEP just a software company?

No. It sells procurement software, procurement consulting and outsourced procurement operations, and deals often combine all three.

Payhawk: Is Payhawk pricing really public?

Yes, module pricing (Travel, Accounts Payable, Cards and Expenses, Procurement) is published starting at 299 to 499 dollars a month per module, or bundled as Payhawk Complete.

GEP SMART: What does GEP SMART cost?

Not published. Third parties report deployments from around 500,000 USD a year, scaled by managed spend, modules and users.

Payhawk: Does it charge per seat?

No, each module includes unlimited employee seats; the fixed monthly fee does not increase with headcount.

GEP SMART: Who implements it?

GEP typically does, which shortens the project but reduces independent advice during and after it.

Payhawk: Can we buy just one module?

Yes, modules are sold separately, so a company can buy Accounts Payable without Cards or Procurement.

GEP SMART: How does it compare with Ivalua?

Both are single-platform enterprise source-to-pay. GEP adds consulting and managed services; Ivalua is software only and stronger on direct materials.

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