Payhawk

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

As of 1 September 2026, Payhawk's pricing is not published; the vendor quotes on request. A spend management platform sold as separate priced modules, so a company can buy cards and expenses without also paying for procurement or travel. Softwr lists it under Payroll. Payhawk is available on Web, iOS, Android.

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Overview

What Payhawk does

Payhawk combines corporate card issuing, expense management, accounts payable automation, procurement and travel booking into one system for finance teams, with ERP integrations to NetSuite, Sage Intacct, Microsoft Dynamics 365 and Xero. Every module ships with unlimited employee seats and unlimited card transactions rather than per-seat pricing. What distinguishes it is the modular, published pricing itself: Travel starts at 299 dollars a month, Accounts Payable at 349, Cards and Expenses at 449, and Procurement at 499, or a company can buy Payhawk Complete as a bundle. Most competitors in this space (Backbase-adjacent spend tools, Yokoy before its acquisition, Airbase) quote privately, so a buyer can actually budget Payhawk before a sales call, and can decline the modules it does not need rather than buying a suite. Buyers are midsize and large multinational businesses, typically finance teams standardising expense and payables workflows across several European entities. The trade-off is that per-module pricing adds up quickly once a company wants the full stack, and the unlimited-seats model works against a company mainly issuing cards to a small number of employees, since the module price is fixed regardless of how few people use it.

What people use it 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

Where it falls short

Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about 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.

Cross-shopped

What people choose instead of Payhawk

Each pairing was judged by two reviewers asking whether a buyer would genuinely weigh the two against each other. The ones that failed were deleted rather than published.

Payhawkvs
Extend
Extend: If you want virtual card issuing layered onto existing business credit cards rather than a new card programme
Payhawkvs
Volopay
Volopay: If you want a similar spend management bundle aimed at Asia-Pacific rather than Europe

Pricing

What Payhawk costs

Taken from the vendor's own pricing page. Prices move, so check before you buy.

Travel

$299 /mo

Integrated travel booking
Unlimited employee seats

Accounts Payable

$349 /mo

Invoice capture and approval routing
Unlimited document processing

Cards and Expenses

$449 /mo

Unlimited card transactions
Multi-entity expense management

Procurement

$499 /mo

Purchase request and approval workflow
Vendor management

Capabilities

Features

Corporate cards
Physical and virtual Visa cards with per-card limits and merchant controls
Accounts payable automation
Invoice capture, approval routing and payment execution
Procurement module
Purchase requests, approvals and vendor management before spend occurs
Travel booking
Integrated travel booking tied to the same card and expense data
ERP integrations
Two-way sync with NetSuite, Sage Intacct, Dynamics 365 and Xero
Multi-entity consolidation
Spend visibility and reconciliation across several legal entities and currencies

Answered, with sources

Questions people ask

Each answer names the page it came from, so you can check it rather than take our word for it.

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.

Does it charge per seat?

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

Can we buy just one module?

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

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Softwr does not host reviews and shows no star rating for Payhawk, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.

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