Business spend, reinvented.

With Payhawk, you can automate manual processes, maximize efficiency, and accelerate business expansion. Join the finance teams, in 32 countries, that trust us with a single global solution.

Corporate Credit Cards

Smart credit cards with customizable spend rules for individuals and teams, so you stay on top of business spend.

Reimbursable Expenses

Easy automated expense reports and single-click reimbursements for employees who don’t use cards.

Multi-entity Management

One solution for understanding spend and managing expenses across your whole group, including the US, EEA, and the UK.

Global spend management in just one solution.

Unlock greater governance and control

Get greater governance and control and streamlined simplicity. With Payhawk, you can issue credit cards for teams, individuals, or specific projects and set spend rules that align with business goals and budgets. Employees enjoy more freedom and financial leaders gain more governance.

Get your time back

Payhawk can automate 80% of manual finance processes with automation. It’s easy. Our product saves time with receipt matching and is enhanced by our OCR technology. With us, financial leaders can use their time to scale business operations instead of chasing receipts.

Cut costs, not corners

We get it. You want easy access to real-time spend reports so you can keep costs under control. Consider it done. Payhawk automatically identifies duplicate or unused subscriptions so you can consolidate and save. Plus, Payhawk pays for itself — and then some — with upto *1.5% cashback on card spend.

Accelerate international growth

We understand what you need to scale globally. With Payhawk, you can easily manage multiple, global business entities through a single tool. Additionally, you will enjoy a global acceptance rate with our VISA credit cards, which allows you to benefit from low FX rates. Employees can be reimbursed seamlessly — no matter where they're located — as Payhawk supports multiple currencies.

The smart card just got smarter

Card-first but solution-focussed. Payhawk-powered tech enables you to move from portal to app without compromising your ability to do business. Our scalable product means that you have a holistic solution to easily manage global spend.

Powerful software for financial leaders

An intuitive app for employees


less manual data entry and processes


faster average


average score
on Trustpilot and G2

Seamless integrations

No manual data uploads necessary

Faster month-end process with automatic reconciliation

Get set up in less than 20 minutes

Custom integrations tailored to enterprise

“Payhawk enables me to free up my time to focus on tasks that create company value.”

Nadia Vanuytrecht, HR & Operations Manager

What CFOs often ask about

As part of our spend management solution, we provide Visa Business Credit Cards. These credit cards are widely-accepted by more than 36 million merchants worldwide, including car rental and accommodation companies. Our software is connected to each card, which means that no matter where your team spends around the globe, your finance managers will have full visibility and governance.

Your corporate card is a Visa Business Credit Card, so you don't need to transfer any money. We'll perform an ACH pull for each monthly repayment via your linked bank account.

Payhawk is not a bank. Payhawk can be described as a one-stop shop serving fast-scaling enterprises with credit card issuing and ACH transfers. Payhawk is acting as a card program manager of a state chartered bank operating across all states and licensed by Visa.

You earn up to 1.5% cashback on every payment made with your Payhawk cards (excluding ATM withdrawals, chargebacks, and ACH payments/ bank transfers). The cashback amount is directly applied to your Payhawk invoice and is capped at your monthly subscription. Full details at

The 1.5% cashback is subject to Payhawk’s offer schedule and can be withdrawn at any time. As long as the offer is live, you’ll earn up to 1.5% cashback on your spend (capped at your monthly subscription amount).

Payhawk provides global enterprises with a spend management platform that includes credit cards, debit cards, bill payments, reimbursements, and bank accounts in 32 countries. Unlike Ramp, Divvy, and Brex, our spend management solution, including credit cards and smart expense management software, is available across the US, EEA and the UK. Our international coverage means streamlined spend control, and time-saving efficiencies for your finance team and card users, no matter where they are.