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 for your fleet and logistics teams. Restrict to approved tank stations, set clear limits, allow for quick fund requests, and restrict ATM withdrawals.
Launching a six-month project? Issue cards that think like project managers. Set budgets that auto-expire at milestone completion. Track burn rate in real-time.
Cards that go live at the airport. Work in specific countries. Expire when trips end. All while capturing every taxi, meal, and hotel automatically.
Dedicated cards for your subscriptions. See all recurring charges in one view. Cancel instantly. No more cost creep surprises.
Cards that only work with approved suppliers. Perfect for those one-time purchases, sample orders, and ad-hoc client lunches.
Cards for employee allowances. For your team’s learning and development budgets, wellness packages and WFH starter kits.
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.
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.
Dedicated IBANs, secure funds safeguarding in line with PSD2, and seamless payments across the globe in 115+ currencies.
Fully digitised employee spend tracking, expense reports with custom approvals and direct reimbursement to employee bank accounts.
Market-leading integrations with your ERP, accounting software, HRIS, and security tools, plus a robust RESTful API and real-time webhooks.
Reimagine business travel with intelligent in-policy booking, embedded payments and a guided process from trip request to trip report.
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.
Strategic insight. Real impact.
Everything your business needs to elevate finance impact
Issue cards one by one or in bulk. Forget about individual applications, personal credit checks and chaotic paperwork.
Get Visa corporate debit and credit cards with a high global acceptance rate.
Sync your HR system to keep employee and expense data up to date, including blocking cards when an employee leaves.
Add virtual or physical cards to Google Wallet or Apple Pay for maximum convenience online and on-the-go.
Let your team ask for additional funds easily to cover unexpected costs while on the move.
Track carbon emissions and simplify data collection for sustainability and ESG with CO2 reporting from Payhawk.
Issue a card for every use case, thanks to built-in limit settings and controls for time, location, merchant, and more.
Automatically block cards when the cardholders have not submitted their expenses within a pre-defined period.
Quickly freeze your virtual or physical corporate card if the card was lost, compromised, or you see a transaction you don't recognise.
FAQ
With Payhawk, you have the option to choose between debit and credit corporate expense cards, which can be issued as virtual, plastic, or metal cards. This flexibility allows you to select the card type that best suits your preferences and requirements.
On top of that, our powerful limit settings and controls enable you to customise your card to fit any use case: you can issue subscription cards, vendor cards, single-use cards, travel & entertainment cards, procurement cards, fuel cards, benefit cards for employee allowances, and many more.
Debit cards are linked directly to your Payhawk funds account, while credit cards allow you to borrow funds up to a specified limit and repay them later. At Payhawk, we provide both debit and credit card options to our customers. With our credit card offering, you can enjoy interest-free purchases for up to 38 days.
At Payhawk, our cards offer several advantages over traditional corporate cards. Firstly, we provide a seamless and intuitive digital experience, allowing for paperless card issuance, easy expense management, real-time monitoring, and automated reconciliation. Additionally, the Payhawk solution features customisable spend limits and controls that align with your specific policies, as well as smart receipt capture to optimise expense management. Furthermore, Payhawk cards are typically more flexible, with transparent pricing and no hidden fees. Lastly, we prioritise customer service and support, ensuring businesses receive personalised assistance whenever needed.
Payhawk cards stand out from other spend management provider card solutions in several key ways. Firstly, we offer unparalleled levels of spend control and granularity, allowing precise management of card expenditures. With our detailed controls and limit settings, you can issue any type of card you need: single-use, temporary project, subscription, and more. Secondly, our cards provide extensive global coverage, making them ideal for multinational companies looking to issue cards across Europe, the UK, and the US. Additionally, we offer flexibility with both debit and credit options, available in virtual, plastic, or metal formats. These features make our cards the perfect solution for global businesses seeking comprehensive spend management capabilities.
Payhawk cards are very secure. As an EEA and UK EMI licensed provider and Visa principal member, we adhere to strict security standards. We employ advanced technology, including 3DS password protection for online purchases and real-time risk assessment. Our AI algorithms detect suspicious transactions, and we analyse spending behaviour to flag anomalies, ensuring peace of mind and fraud prevention.
Each plan includes a set number of cards, with the option to add more as needed. For precise pricing tailored to your business needs, reach out to us for a personalised quote.
No, purchasing Payhawk cards without the full spend management software isn't possible. The software is integral to harnessing the full potential and benefits of the cards. It provides essential features like expense tracking, real-time insights, and comprehensive controls over spending. Without the software, you would miss out on these critical functionalities that ensure efficient expense management and financial oversight for your business.
Yes, Payhawk cards can be used for ATM withdrawals. Additionally, our platform offers advanced controls, allowing you to customise ATM usage preferences. You can choose to permit withdrawals, block them entirely, or enable employees to request ATM access for approval by managers. This flexibility ensures optimal control over your company's finances and spending habits.
Yes, you can use Payhawk cards to pay in foreign countries. Our Visa cards offer excellent global acceptance, with Visa accepted in approximately 200 countries and at over 44 million vendors/merchants worldwide. This ensures convenient and seamless transactions wherever your business takes you.
Stop chasing expenses. Start leading markets.
