One AI-native platform.
Your perfect finance stack
Orchestrate money across every bill, card, expense, and trip with specialized AI Agents. Build the stack that fits your business needs today, or get it all with Payhawk Complete.
- Global hotel and flight booking with zero markup
- Custom travel policy
- Agentic memory for personal preferences
- Trip requests and proactive approvals
- Built-in agentic payments
- Automated invoice generation
- Real-time reconciliation
Cards & Expenses
- Visa Platinum credit and debit cards in multiple currencies
- Virtual and physical cards compatible with Google Wallet & Apple Pay
- Proactive card controls and spend policies
- Real-time expense creation on every card swipe
- Automated receipt chasing and expense categorisation
- One-click reimbursements to employee bank accounts
Bill Payments
- End-to-end invoice management
- Global bill payments with 0.3% FX mark-up
- SEPA, Faster Payments, ACH at €0.00
- Advanced Approval Workflow Designer
- Supplier management and verification
- AI-powered smart line item splitting
- Support for eInvoice formats
- Employee-friendly purchase intake
Procure to Pay
- Purchase order management
- Employee-friendly purchase intake
- 2-way and 3-way matching
- Discrepancy detection by amount and percentages
- Custom discrepancy approval workflows
Built-in powerful infrastructure
Every module includes our foundational platform features to ensure security, global scale, and seamless integration.
Every module includes:
- Intelligent workflow approvals and custom request intake
- Unlimited employee seats, card transactions, and document processing
- Live accounting integrations to Xero, QBO, or Exact Online & unlimited custom exports
- 50+ HRIS integrations like Hibob, Deel, Personio, BambooHR, etc
- AI-powered data extraction in 65+ languages
- Multi-entity environment with consolidated master data and settings
- SSO / SAML for Okta, Microsoft Entra, GSuite, JumpCloud, and more
- Industry-leading security with PCI DSS Level 1 security, ISO 27001, and SOC 2
Enterprise-grade power-ups
Enhance any module with our optional add-ons.
Strategic Liquidity on Demand. Fuel your global operations with integrated credit facilities, safeguarded by J.P. Morgan.
Move from reactive monitoring to real-time visibility. Enforce budgets at the moment of request, not after the spend occurs.
Stay in sync with NetSuite, Microsoft Dynamics Business Central, Microsoft Finance, or Sage Intacct.
Connect with Workday, SAP SuccessFactors, UKG, ADP, Ceridian, Paychex, or Paylocity.
Manage spend and support month-end close across all of your entities for true visibility.
Level up your small business with Payhawk's Growth Program
Experience Payhawk for 24 months at just £149/mo.
Available for businesses with less than 20 employees registered in EEA or UK/I.
You'll be in good company
Common pricing questions
Payhawk pricing is flexible and tailored to fit your business needs. You can start with one plan, combine two, or get the whole platform for best value. This approach ensures you only use for what your business actually needs, giving you the flexibility to scale as your requirements grow.
Yes, depending on your current business needs, you can combine any two plans. A good idea is to combine "Cards & Expenses" with "Bill Payments" or simply choose to combine all plans by getting the full Payhawk platform for best value.
No, there’s no limit to the number of addons you can include. For example, you can have unlimited budget owners, add additional entities as needed, or integrate with multiple ERP and HR systems across your group. Our modules are designed to adapt to your business needs.
Yes! Our sales team is here to help you every step of the way. We provide a customized demo tailored to your business needs and assist you in building the perfect package. Simply book a demo with us, and we’ll guide you through the process.
No, there is no implementation fee. Implementing Payhawk is intuitive and simple. However, if you need guided implementation support, our dedicated implementations team will gladly assist you at no additional cost.
The Growth Program is a feature- and usage-limited version of our Payhawk Complete plan, designed specifically for small businesses. It’s the most fully-fledged starter plan on the market, offering essential tools at an affordable price of £149/month. It’s ideal for businesses looking to streamline their expense management, issue up to 10 debit cards, and manage up to 15 invoices and reimbursements per month—all while keeping costs low. Plus, eligible customers can enjoy 7-days for free before committing. If your business has fewer than 20 employees, is based in the UK or EEA, and isn’t part of a group setup with subsidiaries, you may qualify for this program.
The Growth program includes:
- Up to 20 cards (starts with 10 cards included; additional 10 available for £99/month).
- Up to 20 seats (starts with 8 employee seats + 2 admin or accountant seats included; additional 10 employee seats available for €99/month; and additional admin or accountant seats available for £19/seat)
- Up to 15 invoices per month.
- Up to 15 reimbursements per month.
- 1 entity.
Note: The Growth program does not include Procure-to-Pay, Multi-entity Management, Budget Tracking, credit, cashback, or access to add-ons.
Ready to transform your business spending?
Get the spend management solution built for modern finance leaders today!