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Payroll · head to head

Payhawk vs Spendesk

Payhawk logo

Payhawk

Payroll

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

From
On request
Rated
-
Full reviewWebsite
Spendesk logo

Spendesk

Accounting

Smart spend management for modern teams

From
$29/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.; Spendesk no publicly available pricing, requires custom quote
  • They diverge on capability: Payhawk covers Corporate cards, Spendesk covers Company cards.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Payhawk and Spendesk actually diverge.

Attributes where Payhawk and Spendesk differ
AttributePayhawkSpendesk
Starting priceOn request$29/month
Pricing modelPer module per monthsubscription
PlatformsWeb, iOS, AndroidWeb, Mobile iOS, Mobile Android
CategoryPayrollAccounting
FoundedUnknown2016

Identical on both: free tier (No), 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 Spendesk

  • Company cards
  • Expense management
  • Invoice payments
  • Budget management
  • Spend analytics
  • Xero
  • Sage
  • NetSuite

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 Spendesk
  • A finance team that wants to price spend management before a sales call rather than negotiating blindnot Spendesk
  • A company wanting only accounts payable automation without paying for card issuing it does not neednot Spendesk
  • A mid-market business standardising ERP-integrated expense reporting ahead of a fundraise or auditnot Spendesk

Spendesk

  • Expense managementnot Payhawk
  • Spend controlnot Payhawk
  • Finance automationnot 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.

Spendesk

  • No publicly available pricing, requires custom quote
  • Strong European presence but limited in some non-EU markets
  • High implementation costs due to extensive integration requirements

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

Spendesk

$29/month
  • EssentialsFree
    • Virtual cards
    • Expense tracking
    • Approvals

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 Spendesk if

  • You need company cards.
  • You work on Web, Mobile iOS, Mobile Android.
  • You also want expense management.
Spendesk review

Questions people ask

Is Payhawk or Spendesk better?
Neither clearly leads. Payhawk starts at On request and Spendesk at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Payhawk or Spendesk?
Payhawk starts at On request and Spendesk at $29/month.
Does Payhawk or Spendesk run on more platforms?
Payhawk runs on Web, iOS, Android. Spendesk runs on Web, Mobile iOS, Mobile Android.
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 Spendesk is typically brought in for.
What can Payhawk do that Spendesk cannot?
Payhawk covers Corporate cards, Accounts payable automation, Procurement module, Travel booking. Spendesk covers Company cards, Expense management, Invoice payments, Budget management.

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.

Spendesk: What is included in Spendesk's platform?

Spendesk combines corporate cards, a mobile receipts app, approval workflows, automated reconciliation, accounts payable, procurement, and spend controls into one platform.

Source
Payhawk: Does it charge per seat?

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

Spendesk: How does Spendesk handle expense receipts?

Spendesk captures receipts via mobile photo upload with OCR technology, automatically matching receipts to transactions and generating automated expense reports with 98% of expense receipts collected on time.

Source
Payhawk: Can we buy just one module?

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

Spendesk: What integrations does Spendesk offer?

Spendesk integrates with accounting software including Sage, Xero, NetSuite, and SAP, plus HR systems and tools like Slack for comprehensive spend management.

Source
Spendesk: Is Spendesk profitable?

Yes. Spendesk became the first spend management platform to reach profitability in 2025, processing over £10 billion in spend across 35+ countries.

Source
Spendesk: What is Spendesk's valuation?

Spendesk is a unicorn company with a valuation of $1.5 billion, with 2025 revenue of $52 million ARR.

Source
Spendesk: How much time can Spendesk save on bookkeeping?

Organizations using Spendesk save an average of 4 days per month on bookkeeping, equivalent to over 380 hours per year returned to the business.

Source
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