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Payroll · head to head

Payhawk vs SalaryFits

Payhawk logo

Payhawk

Payroll

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

From
On request
Rated
-
Full reviewWebsite
SalaryFits logo

SalaryFits

Payroll

Brazilian employee benefits and earned wage access app, owned by Serasa Experian since 2024

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only SalaryFits has a free tier, so it costs nothing to try first.
  • 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.; SalaryFits it only operates in Brazil, tied to Brazilian payroll and labour law, so it is not an option for any multinational benefits programme outside that market.
  • They diverge on capability: Payhawk covers Corporate cards, SalaryFits covers Discount club.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Payhawk and SalaryFits actually diverge.

Attributes where Payhawk and SalaryFits differ
AttributePayhawkSalaryFits
Starting priceOn requestFree
Pricing modelPer module per monthFree for employers, fees apply to advances and loans
Free tierNoYes

Identical on both: platforms (Web, iOS, Android), user rating (Not yet rated), category (Payroll).

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 SalaryFits

  • Discount club
  • Earned wage access
  • Payroll-deduction loans
  • Financial marketplace
  • Zero employer cost
  • Serasa credit integration

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

SalaryFits

  • A Brazilian employer wanting a zero-cost benefit to add discount and advance access for staffnot Payhawk
  • An HR team wanting earned wage access without building payroll advance infrastructure in housenot Payhawk
  • A company wanting to offer payroll-deduction credit access underwritten with bureau-grade datanot Payhawk
  • An employer consolidating several point benefits into one branded app for staffnot 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.

SalaryFits

  • It only operates in Brazil, tied to Brazilian payroll and labour law, so it is not an option for any multinational benefits programme outside that market.
  • Ownership by Serasa Experian, a credit bureau, puts consumer credit data and workplace financial wellness in the hands of the same company, which some employees and employers may view as a conflict of interest.
  • Salary advances and payroll loans carry real fees and interest even though the base app is free to the employer, so the actual cost to employees is not zero despite the marketing framing.
  • As with any earned wage access product, heavy reliance on advances can mask underlying pay adequacy problems rather than solve them, and repeated use signals financial distress that a purely additive benefit narrative does not capture.
  • Independent, English-language documentation and support are thin, since the product and its support model are built around Brazilian Portuguese speaking employers and employees.

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

SalaryFits

Free
  • SalaryFitsFree
    • No employer subscription cost
    • Discount club free to employees
    • Salary advance and consigned loan fees apply per transaction

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 SalaryFits if

  • You need discount club.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want earned wage access.
SalaryFits review

Questions people ask

Is Payhawk or SalaryFits better?
Neither clearly leads. Payhawk starts at On request and SalaryFits at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Payhawk or SalaryFits?
SalaryFits has a free tier; the other does not. Paid plans start at On request for Payhawk and Free for SalaryFits.
Does Payhawk or SalaryFits run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
Can I use SalaryFits for free?
Yes. SalaryFits has a free tier, so you can try it without paying. Payhawk starts at On request.
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 SalaryFits is typically brought in for.
What can Payhawk do that SalaryFits cannot?
Payhawk covers Corporate cards, Accounts payable automation, Procurement module, Travel booking. SalaryFits covers Discount club, Earned wage access, Payroll-deduction loans, Financial marketplace.

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.

SalaryFits: Is SalaryFits still an independent company?

No. It was acquired by Serasa Experian, with the deal approved by Brazil's CADE antitrust authority in 2024, and now operates as part of that group.

Payhawk: Does it charge per seat?

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

SalaryFits: Does it cost the employer anything?

The base discount club and app access are free to employers; advances and payroll loans carry fees and interest paid by employees.

Payhawk: Can we buy just one module?

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

SalaryFits: Does it operate outside Brazil?

No, it is built specifically for the Brazilian market.

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