Payhawk
by Payhawk · Expense Management
Corporate cards, expense and AP management for multinational teams.
Updated August 2026 · By the ERP Research Editorial Team · Independent and vendor-neutral.
- Works with
NetSuite
Microsoft Dynamics 365
SAP
Sage- Deployment
- Cloud
- Company size
- Mid-market, Enterprise
- Pricing
- Quote-based
- Founded
- 2018
- Headquarters
- London, United Kingdom
Overview
Payhawk is a spend management platform that combines corporate Visa cards with expense management, accounts payable, budgets, procurement and reimbursements. Founded in 2018 and headquartered in London (with significant operations rooted in Sofia, Bulgaria), Payhawk targets mid-market and enterprise companies, particularly those operating across multiple entities and countries.
The platform issues physical, virtual and team cards with real-time spend controls, and uses OCR to extract and reconcile data from invoices and receipts in more than 60 languages. Finance teams define spend policies and approval flows with per-individual or per-team limits, and budget owners receive real-time approval notifications. Payhawk unifies cards, AP, reimbursements, travel, subscriptions and procurement with automation.
Payhawk emphasizes multi-entity management and broad-language document processing, making it well suited to multinational finance operations. It integrates with ERP systems including NetSuite, Microsoft Dynamics 365, SAP and Sage.
Screenshots & demo
Demo video from the vendor's YouTube channel. Screenshots sourced from Payhawk.
Modules & capabilities
Payhawk covers 17 of 47 capabilities we track in this category
36%- Receipt OCR captureOCR extraction from receipts in 60+ languagesSupported
- Mobile app receipt captureNot evidenced
- Email-forwarded receipt captureNot evidenced
- Multi-currency expense captureNot evidenced
- Receipt itemizationNot evidenced
- Duplicate expense detectionNot evidenced
- Mileage tracking and reimbursementMileage and per diem supportSupported
- Per diem automationMileage and per diem supportSupported
“Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo.
Common use cases
- Multinational mid-market and enterprise teams managing spend across entities
- Processing invoices and receipts in many languages
- Issuing controlled corporate, virtual and team cards
- Unifying cards, AP, procurement and reimbursements
- Enforcing spend policies with per-team and per-individual limits
- Posting coded spend into NetSuite, Dynamics or SAP
- Real-time approvals routed to budget owners
Strengths & considerations
Strengths
- Multi-entity management aimed at multinational operations
- OCR processing of documents in 60+ languages
- Unified cards, AP, procurement, travel and reimbursements
- European roots with enterprise-grade controls
Considerations
- Oriented to mid-market/enterprise rather than the smallest businesses
- Pricing is largely quote-based
ERP integrations
Automated reconciliation with NetSuite including transfer of master data.
Native in-house integration with SAP S/4HANA; SAP Business One/ByDesign are CSV/XLS export only.
Direct API integration covering Dynamics 365 Business Central and Dynamics 365 Finance.
Automated sync of accounting master data with Sage Intacct.
Native QuickBooks sync of chart of accounts, transactions and expenses.
Automatic bank reconciliation in real time to Xero.
Connector details independently verified against vendor marketplaces and documentation; last checked 2026-08-11.
Pricing
Custom pricing driven by entities, users and modules; combines subscription and card economics. Get an independent shortlist with pricing guidance below.
Technical & security
- Hosting
- SaaS (multi-tenant)
- Compliance
- ISO 27001, PCI DSS
- Mobile app
- Yes
- Languages
- English, German, French, Spanish, Bulgarian, and others
About the vendor
- Founded
- 2018
- Headquarters
- London, United Kingdom
- Ownership
- Private
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Payhawk — frequently asked questions
What is Payhawk's main differentiator?
Multi-entity management and document OCR in 60+ languages, making it suited to multinational finance teams operating across countries.
What does Payhawk combine?
Corporate Visa cards, expense management, accounts payable, budgets, reimbursements, travel, subscriptions and procurement in one platform.
Who is Payhawk aimed at?
Primarily mid-market and enterprise companies, especially those with multiple legal entities and international operations.
Which ERPs does Payhawk integrate with?
Payhawk integrates with NetSuite, Microsoft Dynamics 365, SAP and Sage, among others.
Evaluating Expense Management?
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