Business expense cardsNot another corporate card —
a finance accelerator
Say goodbye to out-of-pocket spend and bank statement surprises. Issue VISA cards in seconds, set granular spend controls and watch every transaction flow into your ERP in real time.
Instant global access
Stop explaining to new hires why a new corporate card takes 3 weeks. Stop managing 5 different banking portals. Start scaling at the speed of business.
Virtual cards are live in 30 seconds. Physical cards arrive in 5 days. Across the globe, with one application, and zero paperwork.


Debit for control. Credit for cash flow. Switch between them as your business evolves, even after issuing your cards. No personal credit checks.


Your UK entity’s software subscription in USD? Your German team’s trip in JPY? Forget FX on cards in 26 countries and get 1.99% everywhere else.


“Having our corporate card transactions in one place and only a click away adds value to our finance process, contributing to better cost control and optimisation.”
Controls that read the room
Your policies work the way your business works. Not the way others thinks they should.
Over 1.5 million sets of rules that work in real time. Marketing's Meta ads? Auto-approved. Random ATM withdrawal in Vegas? Nice try.


Build approval chains that make sense — by amount, merchant, project, or person. Change them in clicks when priorities shift.


Auto-expire after projects end. Freeze when receipts go missing. Reactivate when compliance clears.


“One of my favourite things about Payhawk is that I can give each department a card in line with their budget and update funds as required. I like how it gives me control over different departments’ expenses in a matter of clicks.”
Real-time intelligence
99.7% automated reconciliation isn't just a number. It's your team's weekends back.
Intelligent OCR captures receipts, categorises spend and writes expense notes. Smart suggestions map the rest of your accounting fields.


Real-time sync means finance sees that client dinner expense before dessert arrives. Your ERP stays current every second, not every month.


London, New York, Singapore — unified reporting without unified headaches. Centralise and standardise on group level.


Every card transaction is automatically tagged with emissions data — giving finance and sustainability teams the numbers they need, without the manual work.


“Taking corporate credit card transactions away from the traditional banks to a product that directly integrates with NetSuite was a game changer! Now we save time and make better decisions thanks to complete visibility over our multi-entity spend.”
See Payhawk corporate cards in action
Learn all about our corporate cards in under 2 minutes.
Cards designed for how you actually work
Cards are just the beginning
Payhawk business expense cards are just one part of your intelligent finance transformation. There’s so much more to discover. No more platform hopping. No more process breaks.
AI Agents that do the busywork
Multiply your team's capacity with a suit of AI Agents. Handling finance tasks with precision, they ensure your team spends less time on routine work.
Business accounts and global payments
Dedicated IBANs, secure funds safeguarding in line with PSD2, and seamless payments across the globe in 115+ currencies.
Expenses that report themselves
Fully digitised employee spend tracking, expense reports with custom approvals and direct reimbursement to employee bank accounts.
Native integrations, unified finance systems
Market-leading integrations with your ERP, accounting software, HRIS, and security tools, plus a robust RESTful API and real-time webhooks.
Business travel in style and in policy
Reimagine business travel with intelligent in-policy booking, embedded payments and a guided process from trip request to trip report.
Accounts payable automation
Custom multi-level approvals, flawless matching and global invoice payments make accounts payable effortless end-to-end.
Intuitive purchasing from intake to payment
Efficient and easy to follow purchasing your teams will understand. Clear purchase requests, tailored workflows, POs, 3-way matching and payments.
Strategic insight. Real impact
Everything your business needs to elevate finance impact
Instant global issuing
Issue cards one by one or in bulk. Forget about individual applications, personal credit checks and chaotic paperwork.
Universal acceptance
Get Visa corporate debit and credit cards with a high global acceptance rate.
Fast onboarding
Sync your HR system to keep employee and expense data up to date, including blocking cards when an employee leaves.
Mobile payments
Add virtual or physical cards to Google Wallet or Apple Pay for maximum convenience online and on-the-go.
Real-time top-ups
Let your team ask for additional funds easily to cover unexpected costs while on the move.
Sustainability tracking
Track carbon emissions and simplify data collection for sustainability and ESG with CO2 reporting from Payhawk.
Sophisticated proactive controls
Issue a card for every use case, thanks to built-in limit settings and controls for time, location, merchant, and more.
Auto-block for delays
Automatically block cards when the cardholders have not submitted their expenses within a pre-defined period.
Instant card freezing
Quickly freeze your virtual or physical corporate card if the card was lost, compromised, or you see a transaction you don't recognise.
FAQ
Stop chasing expenses. Start leading markets