Expense Management

Payhawk

European spend-management platform — corporate cards, expenses, and invoice management with multi-entity support.

Professional
Pricing Tier
Easy
Learning Curve
3–6 weeks
Implementation
medium, large
Best For
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Use when

Mid-market European and multi-entity companies needing card issuance, expenses, and invoices in one platform with EU compliance.

Avoid when

US-only companies (Ramp or Brex are more cost-effective) or very small teams needing free card programs.

What is Payhawk?

Payhawk is the European answer to Ramp and Brex, targeting mid-market companies with multi-entity, multi-currency operations across the UK, EU, and US. The platform bundles corporate cards (physical and virtual), expense reporting, invoice automation, and reimbursements. Strong on European-specific needs: VAT reclaim, 30+ countries of card issuance, and local compliance. Customer base includes Luxair, Gtmhub, and LuxAi. Best for 100–2,000 person European companies.

Key features

Multi-entity corporate cards (30+ countries)
VAT reclaim and tax compliance
Invoice OCR and 3-way matching
Expense reimbursement workflows
Multi-currency wallets
Approval rules engine

Integrations

XeroNetSuiteQuickBooksMicrosoft Dynamics 365Sage Intacct
💰 Real-world pricing

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