Business Finance

Payhawk

Payhawk is an AI-native spend management platform integrating corporate cards, expense automation, accounts payable, procurement, and

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Overview

Payhawk automates corporate expense management with real-time credit card transaction tracking, AI-powered receipt and invoice processing, and ERP integrations. It offers virtual and physical corporate cards with granular spend controls and supports global payments and multi-entity finance management.

Updated Oct 18, 2026

3 things

What Payhawk has

Apps

Support

Real people you can contact when you need help with the tool.

14 features

Key Features

Spend management
One platform for cards, expenses, travel, AP, and procurement — where AI and enterprise-grade controls work together to save you time and money on the corporate cards you already use.
Card controls
Issue Payhawk cards or link your existing cards. Control spend before it happens.
Invoice payments
Process invoices, approve payments, and pay suppliers.
Business travel
Book within policy, approve in seconds, and reconcile instantly.
AI automation
Intelligence that acts, not just reports. AI handles receipt chasing, approval routing, and policy enforcement automatically. Your team focuses on decisions, not data entry.
Card reconciliation
Link your existing Visa, Mastercard, or American Express corporate cards to Payhawk for real-time spend visibility, AI-powered automation, and expense reconciliation — all without replacing your current card program.
Finance workflows
Payhawk's AI turns a plain-language request into a compliant workflow, routing approvals and driving payment automatically. No forms. No policy knowledge needed.
Spend prevention
Payhawk's AI works strictly within the policies and financial structure you've already set. Out-of-policy spend can be stopped before money leaves the business, so employees follow the right process naturally.
Transaction processing
The Financial Controller Agent collects receipts, matches documents, chases approvals, and codes transactions automatically. Your team starts closing, not chasing.
Implementation
New systems and controls usually mean months of implementation. The Implementation Agent does the work in hours. Immediately add an AI-native finance layer without disrupting your current ERP setup.
Finance playbooks
Playbooks are step-by-step routines for your finance work, guiding your AI agents through each task and turning hours of work into minutes. Each one is built on the best practices of thousands of finance teams.
Expense processing
No more delayed spend visibility, lost receipts, and manual data entry. AI agents automate expense processing and reconcile employee spend in real time, all on your current cards.
Tax rate visibility
You can now control which tax rates your employees see. They can pick the right VAT rate the first time, and finance has less to fix before export.
Role-based tax rates
Restrict tax rates to specific roles or teams, so people only see the rates that apply to them.

Pros and cons

Pros

Comprehensive automation reduces manual expense processing and accelerates month-end close.
Supports global multi-currency payments with low foreign exchange fees.
Flexible card issuance with virtual, physical, debit, and credit options.
Deep integrations with ERP and HR systems streamline finance workflows.
Built-in spend controls enhance compliance and reduce fraud risk.

Cons

Pricing is customized and may be costly for small businesses.
Implementation may require coordination with existing ERP and HR systems.
Some advanced features require add-ons increasing overall cost.
Primarily targets mid-size to large enterprises, less suited for very small companies.

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Your review helps others make better decisions. No account needed. Takes about 10 seconds.

Featured Video

See Payhawk at work before you try it.

Watch on YouTube

0 questions

Frequently Asked Questions

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Tried this tool? Share your experience.

Write a review

3 things

What Payhawk has

Apps

Support

Real people you can contact when you need help with the tool.

14 features

Key Features

Spend management
One platform for cards, expenses, travel, AP, and procurement — where AI and enterprise-grade controls work together to save you time and money on the corporate cards you already use.
Card controls
Issue Payhawk cards or link your existing cards. Control spend before it happens.
Invoice payments
Process invoices, approve payments, and pay suppliers.
Business travel
Book within policy, approve in seconds, and reconcile instantly.
AI automation
Intelligence that acts, not just reports. AI handles receipt chasing, approval routing, and policy enforcement automatically. Your team focuses on decisions, not data entry.
Card reconciliation
Link your existing Visa, Mastercard, or American Express corporate cards to Payhawk for real-time spend visibility, AI-powered automation, and expense reconciliation — all without replacing your current card program.
Finance workflows
Payhawk's AI turns a plain-language request into a compliant workflow, routing approvals and driving payment automatically. No forms. No policy knowledge needed.
Spend prevention
Payhawk's AI works strictly within the policies and financial structure you've already set. Out-of-policy spend can be stopped before money leaves the business, so employees follow the right process naturally.
Transaction processing
The Financial Controller Agent collects receipts, matches documents, chases approvals, and codes transactions automatically. Your team starts closing, not chasing.
Implementation
New systems and controls usually mean months of implementation. The Implementation Agent does the work in hours. Immediately add an AI-native finance layer without disrupting your current ERP setup.
Finance playbooks
Playbooks are step-by-step routines for your finance work, guiding your AI agents through each task and turning hours of work into minutes. Each one is built on the best practices of thousands of finance teams.
Expense processing
No more delayed spend visibility, lost receipts, and manual data entry. AI agents automate expense processing and reconcile employee spend in real time, all on your current cards.
Tax rate visibility
You can now control which tax rates your employees see. They can pick the right VAT rate the first time, and finance has less to fix before export.
Role-based tax rates
Restrict tax rates to specific roles or teams, so people only see the rates that apply to them.

Pros and cons

Pros

Comprehensive automation reduces manual expense processing and accelerates month-end close.
Supports global multi-currency payments with low foreign exchange fees.
Flexible card issuance with virtual, physical, debit, and credit options.
Deep integrations with ERP and HR systems streamline finance workflows.
Built-in spend controls enhance compliance and reduce fraud risk.

Cons

Pricing is customized and may be costly for small businesses.
Implementation may require coordination with existing ERP and HR systems.
Some advanced features require add-ons increasing overall cost.
Primarily targets mid-size to large enterprises, less suited for very small companies.

You?

Be the first to rate Payhawk

Your review helps others make better decisions. No account needed. Takes about 10 seconds.

Featured Video

See Payhawk at work before you try it.

Watch on YouTube

0 questions

Payhawk

Overview

What Payhawk has

Apps

Support

Key Features

Spend management

Card controls

Invoice payments

Business travel

AI automation

Card reconciliation

Finance workflows

Spend prevention

Transaction processing

Implementation

Finance playbooks

Expense processing

Tax rate visibility

Role-based tax rates

Pros and cons

Pros

Cons

Be the first to rate Payhawk

Featured Video

Frequently Asked Questions

What Payhawk has

Apps

Support

Key Features

Spend management

Card controls

Invoice payments

Business travel

AI automation

Card reconciliation

Finance workflows

Spend prevention

Transaction processing

Implementation

Finance playbooks

Expense processing

Tax rate visibility

Role-based tax rates

Pros and cons

Pros

Cons

Be the first to rate Payhawk

Featured Video

Frequently Asked Questions

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