Payhawk

Payhawk is a spend management platform combining corporate cards, expense management, invoices and AI-powered financial controls in one system.

Overview

Payhawk gives finance teams one place to manage company spend: smart corporate cards with built-in policies, expense reporting that reads receipts automatically, invoice processing with approval flows, and real-time visibility into budgets across entities and currencies. Its AI extracts document data, categorizes transactions, flags policy issues and closes the books faster through ERP integrations (NetSuite, Xero, Sage and more). Multi-entity support and granular controls have made it popular with European scale-ups and mid-market companies managing distributed teams.

Finance teams configure spend policies into cards themselves — limits, merchant categories, receipt requirements — so compliance happens at the point of purchase rather than in month-end review. AI extraction reads invoices and receipts, coding them correctly before pushing into the ERP with matched transactions. Multi-entity groups consolidate visibility across subsidiaries and currencies, and budget owners see spend in real time instead of waiting for reports.

Key Features

• Smart corporate cards with per-employee limits and spend policies
• AI receipt capture, expense categorization and policy checks
• Invoice management with automated approval workflows
• Real-time budget tracking across entities, currencies and departments
• ERP and accounting integrations with automated reconciliation
• Multi-entity, multi-currency support for international companies
• Policy-encoded corporate cards enforcing spend rules
• Multi-entity consolidation across currencies and subsidiaries

Pricing

Payhawk is quote-based, priced per user and per card with tiered plans; enterprise agreements include dedicated onboarding and support.

Who Is It For

It serves CFOs and finance teams at growth-stage and mid-market companies that want to control and automate spend without stitching together separate card, expense and invoice tools.

A scale-up encodes spend policy into corporate cards, issues virtual cards instantly on approved requests, and lets AI extract and code invoices before they reach the ERP. Multi-entity consolidation gives the CFO one view across subsidiaries and currencies, and budget owners track commitments in real time rather than after month-end.

FAQ

Is Payhawk free to use?

No — Payhawk is paid software with pricing scoped through the sales process.

Does Payhawk offer an API?

Yes, Payhawk provides APIs and prebuilt integrations for ERP, HR and procurement systems.

How does Payhawk compare to alternatives?

Compared with Brex, Ramp or Pleo, Payhawk is often chosen for multi-entity complexity and invoice management depth, especially in Europe.

Which accounting systems does Payhawk integrate with?

Payhawk integrates natively with major ERPs and accounting platforms including NetSuite, Xero, Sage and Microsoft Dynamics, plus custom API connections for others.