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The AI-native spend platform

Prompt your finance

We're celebrating our Fall '26 Edition. Payhawk is now on Claude and ChatGPT. We have Playbooks that run the job for you, an Implementation Agent, new AI-native ERP integrations, and much more.

what's new

What Payhawk does

One platform. Every type of business spend

Cards & Expenses

Issue Payhawk cards or link your existing cards. Control spend before it happens.

An image showing that Payhawk supports all US issued bank cards
Accounts payable

Process invoices, approve payments, and pay suppliers.

Photo of a finance professional managing their company's accounts payable with Payhawk
Procurement

From purchase request to compliant order, in a fraction of the time.

An image of a purchase request being approved in Payhawk
Travel

Book within policy, approve in seconds, and reconcile instantly.

An image showing that you can book business trips using the Payhawk Travel AI Agent
Top-rated
Payhawk - Top-rated software on G2
Trusted
Payhawk - trusted by J.P. Morgan
Connected
Payhawk - Integrations with NetSuite, Microsoft Dynamics 365, Sage Intacct, Workday and many more
Secure
Payhawk - Visa principal member, EU & UK EMI License
The old way
Fragmented systems. Disconnected payments. Manual work filling the gaps

It doesn't have to work this way.

An illustration of the compexity of using fragmented and disconnected financial systems
Payhawk Platform

One platform. Finance that creates value, not just reports it

Replace the fragmented stack with one platform — and give finance the visibility, control, and speed to lead instead of react.

Intelligence that acts, not just reports. AI handles receipt chasing, approval routing, and policy enforcement automatically. Your team focuses on decisions, not data entry.

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.

Full visibility, full control across every entity. Policies, approval workflows, budgets, multi-entity management, and ERP sync, unified in one platform. One place to see, control, and audit everything.

Artificial intelligence

AI that handles the work. Your team handles the decisions that matter

An image showing a chat with the Payhawk Travel AI Agent
Recover thousands of hours across the business

Payhawk's AI turns a plain-language request into a compliant workflow, routing approvals and driving payment automatically. No forms. No policy knowledge needed.

An image showing Payhawk's travel policies
Control before money leaves the business

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.

An image showing Payhawk's Financial Controller AI Agent retrieving invoices from vendor websites
Close the books faster, with less effort

The Financial Controller Agent collects receipts, matches documents, chases approvals, and codes transactions automatically. Your team starts closing, not chasing.

An image showing Payhawk's Implementation AI Agent onboarding a customer
Transform finance in hours, not months

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.

1 week
saved per employee per year on finance admin
$70,000
saved per year by eliminating non-compliant spend
6 to 2 days
median expense submission time
2h
to fully operational
Introducing Playbooks

Transform your finance work, beyond automation

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.

Link & Control

Modern spend management on your existing corporate cards

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.

Keep the cards you have. Add the control you need.

Link your existing Amex, Visa, or Mastercard program to Payhawk for real-time spend visibility and AI-powered reconciliation.

98%
of expenses reconciled with 0 back and forth
2x
faster month-end close
62%
faster expense submission (from 6 days to 2 days)
visa icon to illustrate that you can link your Visa card to the Payhawk card management and reconciliation solution
Visa

Manage and reconcile all your Visa corporate card expenses in real-time.

mastercard icon to illustrate that you can link your Mastercard card to the Payhawk card management and reconciliation solution
Mastercard

Gain real-time visibility and control over all your Mastercard card expenses.

AmEx icon to illustrate that you can link your AMEX card to the Payhawk card management and reconciliation solution
Amex

Control out-of-policy spend by issuing virtual Cards with built-in spend controls.

Enterprise controls

Control everything, exactly as you designed it

An image showing Payhawk's expense approvals
Policies that enforce themselves

Set your approval workflows, budgets, and spend policies once. Payhawk enforces them on every transaction, automatically. No ping-pong, no confusion, no exceptions.

An image showing Payhawk's top integrations
Your existing stack, supercharged

Native, two-way sync with your ERP and HR systems, so your existing tools get better, not redundant. Every transaction coded, categorised, and reconciled automatically.

An image showing Payhawk's control settings
One control layer across every entity

Set controls at group level or modify by entity. Every card, invoice, and payment visible in real time across the entire group.

An image showing Payhawk's security cerificates and licenses
Your business stays your business

Enterprise-grade security monitored 24/7, with granular access controls and a full audit trail on every transaction. Licensed in the UK and EEA, powered by JP Morgan.

Customer stories

Real finance teams. Real results

Photo of GDS officeGDS logo
Event services

Payhawk frees up people's time in the finance team enormously and helps us improve reporting accuracy and timeliness. It's also one of the few solutions that operates in the US, UK, and Europe, so that's a key win for us.

George Kutnerian, CEO and co-founder at Wellpointe Inc.Wellpointe logo
Elder care

As a growth company, we have capital partners and specific reporting requirements. We must segment financial statements for each business or entity and be able to roll that up as well to consolidate reporting. With Payhawk and the ERP integration, we have the data flow in a way that works to support this multi-entity context. The Payhawk integration with NetSuite is so smooth — I'd say it's like butter.

The interior of a restaurantState of Play Hospitality logo
Hospitality

"We use Payhawk’s customisable class settings to distinguish between venues and analyse performance. Whether categorising by venue or mapping to the right general ledger code, it makes spend allocation so much easier!”