Softwr

Payroll · head to head

Payhawk vs Rydoo

Payhawk logo

Payhawk

Payroll

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

From
On request
Rated
-
Full reviewWebsite
Rydoo logo

Rydoo

Accounting

Expense management with per-user pricing and a five-user minimum, built for European multi-entity teams

From
$10/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 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.; Rydoo a five-user minimum means very small teams pay for seats they do not have, which removes Rydoo from consideration for firms of two or three.
  • They diverge on capability: Payhawk covers Corporate cards, Rydoo covers Receipt OCR.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Payhawk and Rydoo actually diverge.

Attributes where Payhawk and Rydoo differ
AttributePayhawkRydoo
Starting priceOn request$10/month
Pricing modelPer module per monthPer user per month
CategoryPayrollAccounting

Identical on both: 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 Payhawk

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

Only in Rydoo

  • Receipt OCR
  • Per diem engine
  • Mileage
  • VAT fields
  • Multi-entity
  • ERP export

What people use each for

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

Payhawk

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

Rydoo

  • A Belgian or German employer that must apply statutory per diem rates correctly across staff travelling in several countriesnot Payhawk
  • A group with five legal entities wanting one expense tool but separate approval chains and ledgersnot Payhawk
  • A company that already has a corporate card programme and refuses to change banks to get expense softwarenot Payhawk
  • A finance team recovering VAT on foreign travel and needing the fields captured at claim timenot Payhawk

Where each one falls short

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

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.

Rydoo

  • A five-user minimum means very small teams pay for seats they do not have, which removes Rydoo from consideration for firms of two or three.
  • Pricing is per user rather than per active user, so organisations where most staff claim expenses twice a year still pay a full seat every month for them.
  • There is no card issuing, so real-time spend control and pre-authorisation are outside the product and remain with your bank.
  • Per diem and multi-entity handling sit on the higher tier, so the countries that most need Rydoo generally cannot buy the cheap plan.
  • Receipt extraction quality varies by language and receipt format, and finance teams still review a meaningful share of claims by hand.

Pricing, plan by plan

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

Rydoo

$10/month
  • Essentials$10/month
    • Around 9 per user per month billed annually
    • Five-user minimum
    • Receipt capture, approvals and accounting export
  • Pro$12/month
    • Around 11 per user per month billed annually
    • Per diem engine and advanced policy controls
    • Multi-entity and multi-currency handling
  • Enterprise$undefined/month
    • Quoted pricing
    • Custom ERP and single sign-on work
    • Dedicated support and onboarding

Which should you pick?

Choose Payhawk if

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

Choose Rydoo if

  • You need receipt ocr.
  • You work on Web, iOS, Android.
  • You also want per diem engine.
Rydoo review

Questions people ask

Is Payhawk or Rydoo better?
Neither clearly leads. Payhawk starts at On request and Rydoo at $10/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Payhawk or Rydoo?
Payhawk starts at On request and Rydoo at $10/month.
Does Payhawk or Rydoo run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is Payhawk best used for?
Payhawk is most often used for a multi-entity european business wanting one system for cards, expenses and payables across currencies, a finance team that wants to price spend management before a sales call rather than negotiating blind, a company wanting only accounts payable automation without paying for card issuing it does not need, a mid-market business standardising erp-integrated expense reporting ahead of a fundraise or audit. Of those, a multi-entity european business wanting one system for cards, expenses and payables across currencies and a finance team that wants to price spend management before a sales call rather than negotiating blind are not what Rydoo is typically brought in for.
What can Payhawk do that Rydoo cannot?
Payhawk covers Corporate cards, Accounts payable automation, Procurement module, Travel booking. Rydoo covers Receipt OCR, Per diem engine, Mileage, VAT fields.

Answered from the vendors’ own pages

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.

Rydoo: Does Rydoo issue cards?

No. It is expense software only; you keep your existing corporate card or bank programme.

Payhawk: Does it charge per seat?

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

Rydoo: Is there a minimum?

Yes, pricing carries a five-user minimum, so the smallest bill is five seats regardless of headcount.

Payhawk: Can we buy just one module?

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

Rydoo: Do I need the Pro plan?

If you operate per diems, multiple legal entities or multi-currency claims, yes. Essentials is for single-entity receipt and approval workflows.

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