BUSINESS ACCOUNTS & GLOBAL PAYMENTSBusiness accounts that do more. Payments that go further
Simplify your global finance stack with dedicated IBANs, global supplier payments in 115 currencies, and integrated card infrastructure. Scale easily across entities and currencies, with real-time ERP sync.
Business moves fast. Your accounts should too.
Ditch slow, siloed banking. Payhawk gives you connected accounts and payments that scale with your business.
Open business accounts with dedicated IBANs in 33 countries and seven currencies. Fund instantly through linked bank accounts, manage balances centrally, and rely on safeguarding that meets the highest regulatory standards.
Instantly issue debit or credit cards with global acceptance through Visa. Enjoy 0% FX in 26 countries and 1.99% FX everywhere else. Control spend limits, approval flows, and funding sources from one dashboard.
We’ve partnered with J.P. Morgan to bring an enterprise-grade payment experience with market-leading rates, all accessible instantly from within Payhawk. Pay supplier bills and reimbursements to recipients around the world in 115 currencies directly from your Payhawk EUR or GBP account, leveraging our growing selection of local rails and SWIFT for global coverage.
Handle global reimbursements with local precision
Reimburse employees in 115+ currencies, with receipt capture in 60+ languages. Approvals, payments, and reconciliation — all in one platform.
Now, your payments come with built-in problem-solving
From explaining failed transactions to answering employee questions on payments and approvals, the AI Payments Agent keeps spend moving and finance focused on what matters most.
The Payments Agent follows your spend policies and approval rules at every step. That means employees only see compliant options, and every action stays within company guardrails — no workarounds, no governance gaps.
The Agent doesn’t just explain problems — it fixes them. From failed transactions to card limits and fund requests, employees get instant, actionable solutions that keep spend moving without finance bottlenecks.
Every action the Agent takes is tracked, synced with your ERP, and fully auditable. Finance teams get real-time oversight and confidence in compliance — while employees keep their workflows flowing.
"The main difference when paying directly through Payhawk, compared to traditional banks, is that transaction fees are generally lower, and the foreign exchange rates used are often more favorable for us. Now, almost all payments can be processed directly through Payhawk, which simplifies our work and enables timely tracking of all payments. It gives us new visibility into liquidity and upcoming liabilities, which is extremely helpful for cost planning."
Payments are just the beginning
Payhawk accounts and payments are just one part of your intelligent finance transformation. Orchestrate your entire finance function — no more platform hopping or process breaks.
Fully digitised employee spend tracking, expense reports with custom approvals, and direct reimbursement to employee bank accounts.
Custom multi-level approvals, flawless matching and global invoice payments make accounts payable effortless end to end.
Efficient and easy to follow purchasing your teams will understand. Clear purchase requests, tailored workflows, POs, 3-way matching, and payments.
Reimagine business travel with intelligent in-policy booking, embedded payments, and a guided process from trip request to trip report.
Market-leading integrations with your ERP, accounting software, HRIS, and security tools, plus a robust RESTful API and real-time webhooks.
Corporate Visa debit and credit cards with proactive spend controls, automated receipt collection, and real-time spend reports.
Everything your business needs to elevate finance impact
Open accounts in EUR, USD, GBP, and more with full local details.
Send and receive payments instantly in the UK, EU, and US.
Pay suppliers and employees in 150+ countries via SWIFT or local rails.
Issue cards in EUR, GBP, and USD with 0% FX in 26 countries.
Sync every payment and reimbursement directly with your ERP.
Set rules, limits, and policies to control spend at scale.
Access enterprise-grade FX rates starting at just 0.3% for global payments.
Manage all subsidiaries and currencies from one dashboard.
Regulated EMI, ISO 27001 certified, and Visa Principal Member.
FAQ
Payhawk is a single platform for company spend: you can open business accounts with dedicated IBANs, issue physical and virtual Visa cards, make local and cross-border payments, and manage reimbursements and approvals — all with full control and visibility. Global bank transfers run on J.P. Morgan infrastructure for reliability and reach.
You can open accounts for entities in 33 countries and in seven currencies, each with its own dedicated IBAN/account number. Funding is instant via linked bank accounts.
You can issue virtual or physical Visa cards to employees anywhere and add them to Apple Pay and Google Pay. Use debit (seven currencies) or credit (USD, GBP, EUR) depending on control or cash-flow needs, subject to assessment. You can avoid FX fees in seven base currencies, with competitive FX elsewhere.
Yes. Employees submit receipts in 60+ languages and can be reimbursed in 115+ currencies — submission, approval, and payout are handled in one flow.
Payhawk is an Electronic Money Institution (EMI) in the UK and EEA and a Visa Principal Member, enabling direct card issuance and safeguarded client funds. Security includes PCI DSS Level 1, SOC 1 & SOC 2 Type 2, ISO 27001, 3-D Secure, and real-time fraud/risk controls.
Yes - Payhawk is built for multi-entity, multi-currency operations. You can open accounts across 33 countries, hold balances in seven currencies, set card and payment controls at user or team level, and manage everything from a single platform.
Transform how your business pays. Take finance forward with Payhawk.
