Payhawk

Name: Payhawk
Price: 149 GBP

AI features

Four AI agents for financial control, procurement, travel and payment support, each working inside existing roles, policies and approvals with a full audit trail.

Modular spend management covering cards, expenses, travel, accounts payable and procurement, quoted per module rather than per seat.

Starting price: From £149 / month
Free trial: Yes, a 7-day free trial for eligible Growth Program customers
API: Yes, developer APIs for custom integrations

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Overview

Payhawk is a spend management platform that puts corporate cards, expenses, business travel, accounts payable and procurement on one system, sold as four modules a company can take singly or together. It issues Visa debit and credit cards with controls and real-time limits, and automates receipt chasing, approval routing and policy enforcement around them. Travel booking sits inside the same policy, so trips are approved and reconciled without a separate tool. Payhawk keeps no ledger: it syncs two ways with accounting and ERP systems, with export templates for the rest.

Our take

Payhawk aims squarely at the finance team that has outgrown a single-purpose card tool and wants travel and procurement under the same policy engine, which is a larger commitment than most of this category asks for. The modular sale is the thing to understand before anything else: taking one module is possible, but the platform only earns its keep when several are running, and every price beyond the small fixed Growth Program comes from a quote. The depth of the ERP connector list is the strongest argument here, particularly the native two-way syncs and the DATEV push, because that is where a spend tool either saves the month end or quietly adds to it. Smaller teams should check the Growth Program limits first, since ten cards and ten seats is a real ceiling rather than a starting point.

Key Facts

Category	Accounting & Invoicing
Starting price	From £149 / month The fixed-price Growth Program, for UK and EEA single-entity businesses with fewer than twenty employees. The four core modules are otherwise quoted individually and scale with seats, cards and usage.
Free trial	Yes, a 7-day free trial for eligible Growth Program customers
API	Yes, developer APIs for custom integrations
Users	More than 6,000 companies, per the vendor
Hosting	Cloud (SaaS)

Screenshots

Placeholders. They are replaced as soon as the vendor sends material, and both open the same short form.

Features

Invoicing and quotes: Incoming supplier invoices through the Accounts Payable module, which automates invoice processing and pays suppliers globally, with the Procurement module covering the purchase request and compliant order beforehand. Customer invoicing and accounts receivable are not among the listed modules
Bookkeeping and bank feeds: No general ledger of its own. Native two-way sync with NetSuite, Sage Intacct, Xero, QuickBooks, Microsoft Dynamics 365 Business Central and Finance, Exact Online, Pennylane, AFAS and DATEV, with CSV and XLS export templates for SAP S/4HANA, SAP Business One and ByDesign, Sage 50, 100 and 200 and Cegid, plus an Accounting Template Builder for the rest
Expenses and receipts: Yes, Visa debit and credit cards issued instantly with granular controls and real-time limits, receipt capture, and AI handling receipt chasing, approval routing and policy enforcement automatically
Tax and compliance: VAT support rather than filing: the TravelPerk integration handles invoice matching and VAT recognition, and the 60 Dias integration retrieves VAT receipts automatically
Payroll: No payroll module. HR and payroll systems including Workday, ADP, Deel, BambooHR, Gusto, Paychex, PayFit, HiBob, Factorial, Lucca and Nmbrs connect through integrations, with more than thirty others listed
Reports and exports: Trip reports are generated automatically and expenses grouped for approval and export to the ERP, and every AI agent action is kept in a full audit trail. Global payments run at a 0.3 percent foreign exchange rate across 115 currencies
Integrations and API: Yes, developer APIs for advanced integrations alongside the pre-built connectors, an Accounting Template Builder for custom CSV and XLS exports, and a Solution Partner Program for systems that are not supported directly

Integrations

NetSuite
Sage Intacct
Xero
QuickBooks
Microsoft Dynamics 365 Business Central
Exact Online
Pennylane
AFAS
DATEV
Odoo
TravelPerk
Workday
BambooHR
HiBob

Deployment and Support

Deployment: Cloud (SaaS)
Browser-based
Onboarding: Documentation and knowledge base
Company size: Small and mid-sized
Enterprise

Pros and Cons

Strengths

Cards, expenses, travel, accounts payable and procurement on one platform
Native two-way sync with major ERPs, including DATEV, AFAS, Pennylane and Exact Online
Four AI agents that work inside existing policies and approvals with an audit trail
Global payments at a 0.3 percent foreign exchange rate across 115 currencies
A fixed-price entry program with a published amount for small UK and EEA businesses

Limitations

The four core modules carry no published prices; every quote comes from sales
Costs scale with seats, cards and usage, plus optional add-ons on top
Advanced ERP and HRIS integrations, budgets and extra entities are paid add-ons
The fixed-price Growth Program is capped at ten cards and ten seats and limited to single-entity UK and EEA businesses
Not a general ledger, so a separate accounting system is still needed
No customer invoicing or accounts receivable

Pricing

Growth Program

£149

Per month, fixed. For UK and EEA single-entity businesses with fewer than twenty employees. Includes ten cards and ten user seats (eight employee, two admin) and up to fifteen invoices and fifteen reimbursements a month, with a 7-day free trial for eligible customers.
Cards & Expenses

Not stated

Quoted on request. One of the four core modules; pricing scales with admin seats, cards included and usage.
Accounts Payable

Not stated

Quoted on request. Invoice processing and global supplier payments, priced on the number of invoices among other variables.
Procurement

Not stated

Quoted on request. Purchase requests through to compliant orders, priced on purchase order volume among other variables.
Travel

Not stated

Quoted on request. In-policy booking, approval and reconciliation.
Add-ons

Not stated

Quoted on request. Advanced ERP integrations, enterprise HRIS integrations, budget tracking, additional entities and a credit line.

Alternatives and Comparisons

What users say

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Last verified: 2026-09-09

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