# Payhawk: AI-native spend management platform for cards, expenses, bills, travel, and procurement

> Payhawk is an AI-native spend management platform that orchestrates global money across Bills, Cards, Expenses, Travel, and Procurement for maximum control, automation and savings. It provides a global money account on top of your ERP combined with AI agents enforcing rules, policies, and budgets on every payment while giving employees an effortless spending experience. Headquartered in London with offices across Europe and the US, Payhawk serves mid-market and enterprise companies in 32+ countries. More than 6,000 companies managing spend across teams, entities, and borders use Payhawk.

Key terms: Spend management, AI-native finance, spend control, business expense cards, expense management, accounts payable, invoice automation, procurement, intake-to-pay, business travel management, global business payments, multi-currency payments, dedicated IBANs, budgets, multi-entity spend management, ERP and accounting integrations, finance AI agents, AI Office of the CFO, automated invoice fetching, invoice retrieval, month-end close, reconciliation, EU eInvoicing, Agent Fetch.

Customer results (from payhawk.com): 85% reduced procurement cost (MAN); 93% faster travel booking (Paradox); 40% reduced finance processing costs (Starship); 100% real-time visibility across 11 entities (Aventum); 25,000+ expenses processed monthly (Discordia); 5 days saved per month with expense automation (Chaos); zero out-of-pocket expenses (Luxair); €2m saved in VAT reclaims (ATU).

Integrations: Native ERP and accounting integrations including SAP S/4HANA, Oracle NetSuite, Microsoft Dynamics 365 Business Central and Finance & Operations, Xero, Sage Intacct, QuickBooks, Exact Online, DATEV, and Pennylane, plus HR, SSO/authentication, and VAT reclaim systems, with an open developer API for custom integrations.

## Products

- [Business expense cards](https://payhawk.com/product-visa-cards): Payhawk's corporate cards in debit, credit, physical and virtual formats, with built-in spend controls and limits, real-time transaction tracking, compliance controls across all entities, and integration with your ERP and financial systems.
- [Business accounts & payments](https://payhawk.com/business-payments): Business accounts and global payments with dedicated IBANs, cross-border payments in 115+ currencies, corporate card issuance, and real-time reconciliation, all synced with your ERP across currencies and entities.
- [Expense management software](https://payhawk.com/product-expense-management): Expense management software that automates the tracking, reporting, approval, and reimbursement of employee business expenses, integrating with accounting systems to streamline financial workflows and enforce policy compliance.
- [Accounts payable software and automation](https://payhawk.com/accounts-payable): AI-powered accounts payable software that captures, approves, and pays invoices with real-time ERP sync, 3-way purchase order matching, and Agent Fetch, which retrieves invoices from supplier portals automatically.
- [Business travel management](https://payhawk.com/business-travel-expenses): A comprehensive business travel management system that automates and integrates travel requests, approvals, bookings, payments, and reporting using an AI Travel Agent, ensuring policy compliance and efficiency while providing travel support and data security.
- [Procurement software](https://payhawk.com/procurement): Procurement software covering the full intake-to-pay process, with AI-assisted purchase requests and approvals, invoice matching, supplier payments, and real-time ERP sync, and budget visibility at every step.
- [Workflow orchestration](https://payhawk.com/platform/workflow-orchestration): An AI-powered finance orchestration platform, which automates and streamlines financial processes such as requests, approvals, payments, and reconciliation.
- [Budget tracking software](https://payhawk.com/budgets): A real-time business budget tracking software, which includes features such as budget utilisation insights, customisable templates, multiple currency support, and accrual-based tracking, aimed at empowering budget owners and finance teams to make informed decisions and manage spending efficiently.
- [Multi-entity spend management](https://payhawk.com/multi-entity-management): Payhawk's multi-entity spend management features for enhancing global business spend control, cash flow, and financial reporting across various entities, with capabilities like centralised dashboards, standardised expense settings, streamlined workflows, and integrated accounting support.
- [ERP and accounting integrations & API](https://payhawk.com/integrations): Payhawk's native integrations for expense management, including connections with ERP and accounting systems like SAP S/4HANA, NetSuite, Microsoft Business Central and Finance Operations, Xero, Sage Intacct, QuickBooks, VAT reclaim, SSO/authentication, and HR systems, along with details on how these integrations improve financial processes and productivity.
- [EU eInvoicing](https://payhawk.com/einvoicing): European e-invoicing built into the platform, handling compliance with EU e-invoicing mandates.

## AI Agents

- [AI Office of the CFO — AI Agents](https://payhawk.com/platform/ai-agents): Payhawk's suite of finance AI agents — Financial Controller, Procurement, Travel, and Payments — that complete finance tasks within existing roles, policies, approvals, and audit trail. Employees make requests in natural language and the agents run the workflow from start to finish.
- [Financial Controller AI Agent](https://payhawk.com/platform/ai-agents/financial-controller-ai-agent): The Financial Controller AI Agent chases receipts, codes expenses, flags anomalies, and fetches invoices from supplier portals via Agent Fetch, all inside Payhawk, so month-end close runs on clean, ERP-ready data. Expenses are submitted around twice as fast.
- [Procurement AI Agent](https://payhawk.com/platform/ai-agents/procurement-ai-agent): The Procurement AI Agent turns plain-language requests into compliant purchase workflows — capturing context, applying budgets and policy, routing approvals, and creating purchase orders — with visibility from intake to payment. Reduces request-to-purchase time by around 60%.
- [Agent Fetch](https://payhawk.com/blog/automated-invoice-retrieval): A Financial Controller Agent capability that retrieves receipts and invoices from supplier portals automatically (verified through Cloudflare's Verified Bots programme), matches them to card transactions, and codes them to your ERP, with no manual login or upload.

## Solutions

- [Spend control](https://payhawk.com/spend-control): Spend control across Payhawk as a connected platform, where cards, approvals, policies, budgets and payments-layer controls combine so finance teams can see, approve and control every type of spend in real time. Supports any level of control from 0 to 100 (proactive pre-approval or post-approval with card limits) and real-time budget-vs-actual tracking across entities.
- [Subscriptions spend management](https://payhawk.com/subscriptions): A subscription spend management software, which tracks and manages recurring company payments to provide better visibility of expenses and improve financial decision-making.
- [Automated reconciliation](https://payhawk.com/real-time-reconciliations): An automated reconciliation software that integrates with ERP systems to streamline financial operations, improve accuracy, and save time by automating bank, card, and invoice reconciliations.
- [Global spend operations](https://payhawk.com/use-cases/enterprise): A comprehensive enterprise spend management solution that includes global corporate card issuance, expense automation, and seamless ERP integrations for efficient financial operations across multiple entities.
- [Carbon tracking and accounting](https://payhawk.com/use-cases/carbon-tracking): Payhawk Green is a tool designed to track and analyze carbon emissions associated with corporate card spending to facilitate ESG reporting and better understand the environmental impact of business operations.

## Alternatives

- [Soldo Alternative To Simplify Your Spend Management](https://payhawk.com/soldo-alternative): How Payhawk compares to Soldo: debit and credit cards, flexible limits, spend controls, reimbursements, and expense reports.
- [A Truly Global Ramp Alternative](https://payhawk.com/ramp-alternative): How Payhawk compares to Ramp for global companies: multi-entity expense visibility, corporate cards, procure-to-pay AP, and ERP/HR integrations.
- [A global Brex Alternative For Scaleups And Enterprise](https://payhawk.com/brex-alternative): How Payhawk compares to Brex for scaleups and enterprise: global AP, international card issuance, custom controls, and ERP integrations.
- [An alternative to Airbase to help you control business spend](https://payhawk.com/airbase-alternative): How Payhawk compares to Airbase: smart approvals, detailed expense categories, and real-time reconciliation for business spend control.
- [User-Friendly SAP Concur Alternative for Spend Control & Visibility](https://payhawk.com/sap-concur-alternative): How Payhawk compares to SAP Concur: travel expenses, global corporate cards, invoice processing, and expense reporting.
- [The Expensify Alternative For International Business](https://payhawk.com/expensify-alternative): How Payhawk compares to Expensify for international business: spend control, real-time reporting, multi-entity support, and ERP integrations.
- [A Comprehensive Rydoo Alternative For Expense Management](https://payhawk.com/rydoo-alternative): How Payhawk compares to Rydoo: corporate cards, automated reconciliation, multi-entity management, and custom approvals in one platform.
- [Pleo Alternative For Scaleup & Enterprise Spend Management](https://payhawk.com/pleo-alternative): How Payhawk compares to Pleo for scaleup and enterprise spend management: spend controls, flexible cards, and ERP integrations.
- [A Powerful Spendesk Alternative For Cards And Expense Management](https://payhawk.com/spendesk-alternative): How Payhawk compares to Spendesk: cards, payments, expenses, and cash management in one platform.
- [A Powerful Revolut Alternative For Cards And Expense Management](https://payhawk.com/revolut-business-alternative): How Payhawk compares to Revolut Business: cards, payments, expenses, and cash management in one platform.
- [Navan Alternative for Finance Control](https://payhawk.com/navan-alternative): How Payhawk compares to Navan: travel visibility at the point of request, travel spend control, corporate cards, and expense management.
- [Perk (formerly TravelPerk) Alternative for Finance Control](https://payhawk.com/perk-alternative): How Payhawk compares to Perk (formerly TravelPerk): travel visibility at the point of request, travel spend control, corporate cards, and expense management.
- [An AI-native Tipalti alternative for procurement and spend control](https://payhawk.com/tipalti-alternative): How Payhawk compares to Tipalti for procurement and AP: built-in AI agent, proactive approvals, AI invoicing, 3-way matching, and ERP integrations.


## Reports & guides

- [The CFO's AI readiness report: Part 1](https://payhawk.com/ebooks/ai-in-finance-why-some-teams-scale-and-some-stall): Why AI adoption in finance is uneven, how finance orchestration enables scale, and what CFOs must assess to expand AI safely.
- [The CFO's AI readiness report: Part 2](https://payhawk.com/ebooks/the-five-conditions-that-determine-whether-ai-scales): The five conditions that determine whether AI scales successfully in finance.
- [The CFO's AI readiness report: Part 3](https://payhawk.com/ebooks/cfo-readiness-report-why-ai-leaders-still-stall-in-finance): Why even self-identified AI leaders stall in finance, what blocks progress, and how CFOs can fix it.
- [The CFO's AI readiness report: Part 4](https://payhawk.com/ebooks/cfo-ai-report-how-to-build-full-stack-readiness): Whether rules debt or data debt is blocking your AI programme, and a 30–90-day action plan to fix it.
- [The CFO AI playbook](https://payhawk.com/ebooks/cfo-ai-playbook): How to move from AI pilots to production in finance, covering priorities, success metrics, governance, and a 90-day rollout plan.

## Partners & developers

- [Partner program](https://payhawk.com/partner-program): Payhawk's solution partner program, where consultancies and system integrators gain the competencies to implement and integrate Payhawk with clients' ERP, HCM, accounting, and other business systems.
- [Developer API](https://payhawk.com/integration/api): Payhawk's developer API for building custom integrations and solutions on top of the spend management platform, with programmatic access to cards, payments, expenses, and finance data.

## Blog articles

- [The best expense management software solutions](https://payhawk.com/blog/best-expense-management-software): Compare the best expense management tools and key features in our guide.
- [Best expense management mobile apps for business](https://payhawk.com/blog/best-expense-management-mobile-app): A guide covering the best expense management mobile apps and their key features.
- [Best budget tracking software for businesses: How and who to choose](https://payhawk.com/blog/best-budget-tracking-software): Compare budget tracking software and find the best one for your business.
- [What spend management platforms should you consider?](https://payhawk.com/blog/list-of-the-best-spend-management-software): Compare the best spend management software for your business with our guide.
- [The best accounts payable solutions & their impact](https://payhawk.com/blog/best-accounts-payable-software): Discover the best accounts payable software solutions available right now.
- [How to find the best automated reconciliation software](https://payhawk.com/blog/best-automated-reconciliation-software): Find how to choose the best automated reconciliation software for your finance team.
- [The best spend control software](https://payhawk.com/blog/best-spend-control-software): Compare the best spend control software and the features to look for.
- [Brex alternatives for finance teams that need more than cards](https://payhawk.com/blog/brex-alternatives-for-finance-teams-that-need-more-than-cards): Brex alternatives for finance teams that need more than corporate cards, compared.
- [The 10 best Expensify alternatives](https://payhawk.com/blog/10-best-expensify-alternatives): The 10 best Expensify alternatives, compared on features, pricing, and fit.
- [The best Pleo alternatives for business spending](https://payhawk.com/blog/best-pleo-alternatives-for-business-spending): The best Pleo alternatives for business spending, compared.
- [Supplier management software: a guide](https://payhawk.com/blog/software-for-supplier-management): A guide to supplier management software and what to look for when choosing one.
- [Revolut Business alternatives for spend management](https://payhawk.com/blog/revolut-business-for-spend-management-alternatives): Revolut Business alternatives for spend management, compared.
- [NetSuite AP automation](https://payhawk.com/blog/netsuite-ap-automation): How to automate accounts payable with NetSuite and a spend management platform.
- [SAP Concur alternatives and complements for mid-market companies](https://payhawk.com/blog/concur-alternatives-and-complements-for-mid-market-companies): SAP Concur alternatives and complements for mid-market finance teams, compared.
- [BILL alternatives for AP automation](https://payhawk.com/blog/bill-alternatives-ap-automation): BILL alternatives for accounts payable automation, compared for mid-market finance teams.
- [The best Zip (ZipHQ) alternatives for mid-market finance teams](https://payhawk.com/blog/best-ziphq-alternatives-for-mid-market-finance-teams): The best Zip (ZipHQ) alternatives for mid-market finance teams, compared.
- [The best purchase order software for 2026](https://payhawk.com/blog/best-purchase-order-software-2026): Compare the best purchase order software for 2026.
- [The best business travel management solutions](https://payhawk.com/blog/best-business-travel-management-solutions): Compare the best business travel management solutions.
- [Tipalti alternatives for mid-market finance teams](https://payhawk.com/blog/tipalti-alternatives-for-mid-market-finance-teams): Tipalti alternatives for mid-market finance teams, compared.
- [The best expense reimbursement software](https://payhawk.com/blog/best-expense-reimbursement-software): Compare the best expense reimbursement software.
- [The best travel and expense management software](https://payhawk.com/blog/best-travel-and-expense-management-software): Compare the best travel and expense (T&E) management software.
- [Integrating Exact Online with a spend management platform](https://payhawk.com/blog/exact-online-integration-with-spend-management-tool): Why and how to integrate Exact Online with a spend management platform.
- [The best Spendesk alternatives](https://payhawk.com/blog/best-spendesk-alternatives): The best Spendesk alternatives, compared on features and fit.
- [The best business credit cards](https://payhawk.com/blog/best-business-credit-cards): See the best business credit cards and what to look for when choosing.
- [New CFO checklist: How to nail your first 90 days](https://payhawk.com/blog/first-days-cfo-checklist): A 90-day checklist for new CFOs covering priorities, quick wins, and how to avoid analysis paralysis.
- [Seven must-have features of an easy-to-use expense management solution](https://payhawk.com/blog/empower-employees-with-an-easy-to-use-expense-management-solution): Seven features that make an expense management solution easy for employees to adopt.
- [Missing receipts: How to curb costly travel expense management issues](https://payhawk.com/blog/missing-receipts-in-travel-expense-management): Why receipts go missing in travel expense management and how policies and automation prevent it.
- [Beyond one-size-fits-all: The role of customisation in expense management](https://payhawk.com/blog/the-importance-of-expense-management-customisation): How customisable workflows, approval chains, and expense categories align expense management with company policy.
- [Six procure-to-pay challenges multinational companies must navigate](https://payhawk.com/blog/challenges-of-multinational-companies-and-procure-to-pay): Six common procure-to-pay challenges for multinationals and how top companies fix them.
- [Eight must-have financial control features for enterprise businesses](https://payhawk.com/blog/eight-financial-control-features-for-enterprises): Eight financial control features that give enterprises better visibility, control, and efficiency.
- [Seven spend management challenges for scaleups and their solutions](https://payhawk.com/blog/spend-management-challenges-for-scaleups-and-their-solutions): Seven spend management challenges scaleups face and how to solve them.
- [How to automate your invoice approval workflows](https://payhawk.com/blog/automate-invoice-approval-workflows): Learn how to automate invoice approvals and choose the right software.
- [Top ways to streamline expense management across transport and logistics](https://payhawk.com/blog/expense-management-for-transport-and-logistics): How transport and logistics companies streamline expense management and improve cost control and visibility.
- [The Power of Bulk Features in Expense Management Software](https://payhawk.com/blog/power-of-bulk-features-in-expense-management-software): How bulk features — card issuing, reimbursements, and employee on/offboarding — save finance teams time at scale.
- [The $4.7tn problem: Hidden Costs of employee financial fraud](https://payhawk.com/blog/hidden-costs-of-employee-financial-fraud): The scale and hidden costs of employee financial fraud, and the controls that reduce it.
- [Tech companies: Ready to level up your expense management?](https://payhawk.com/blog/expense-management-for-tech-companies): Expense management approaches for tech and software companies, including SaaS subscriptions and project spend.
- [The renewable energy industry's biggest expense management challenges](https://payhawk.com/blog/expense-management-for-the-renewable-energy-industry): The biggest expense management challenges in the renewable energy industry and how to address them.
- [Simplifying expense management for the food and beverage industry: A CFO guide](https://payhawk.com/blog/expense-management-for-the-food-and-beverage-industry): A CFO guide to managing costs and expense processes in the food and beverage industry.
- [How to take charge of project spend: A guide to financial control](https://payhawk.com/blog/guide-to-project-budgeting-and-financial-control): A guide to project budgeting and financial control for keeping project spend on track.
- [Recurring expenses: The silent cash drain you can't ignore](https://payhawk.com/blog/how-to-manage-recurring-spend-management): How to track and manage recurring expenses for clearer cash flow and budget visibility.
- [How CFOs can remove complexities in expense management for logistics](https://payhawk.com/blog/simple-expense-management-for-logistics-cfos): How transport and logistics CFOs simplify expense management and cut administrative costs.
- [When do you need advanced card controls? Uncover 18 top use cases](https://payhawk.com/blog/when-you-need-advanced-card-controls): 18 use cases for advanced corporate card controls and when a business needs them.
- [The cure for disconnected spend systems (and how to fix visibility gaps in finance)](https://payhawk.com/blog/how-to-connect-disconnected-spend-management-systems): How to connect disconnected spend systems and fix visibility gaps in finance.
- [Should you integrate Xero with a spend management platform? Yes! Here's why (and how)](https://payhawk.com/blog/how-and-why-to-integrate-xero-with-a-spend-management-platform): Why and how to integrate Xero with a spend management platform.
- [How car dealerships & repair shops can cut costs and streamline expense management](https://payhawk.com/blog/expense-management-for-the-automotive-industry): How car dealerships and repair shops streamline expense management and reduce paperwork and petty cash.
- [Why unifying your financial processes is business critical](https://payhawk.com/blog/financial-process-unification): Why and how to standardise and unify financial processes as a business grows.
- [Why optimising invoice processing with OCR technology is essential](https://payhawk.com/blog/optimising-invoice-processing-with-ocr-technology): How OCR technology improves invoice processing accuracy and efficiency.
- [Automated invoice processing: a guide](https://payhawk.com/blog/automated-invoice-processing): How automated invoice processing works and how to implement it in your finance stack.
- [Integrating QuickBooks with a spend management platform](https://payhawk.com/blog/spend-management-and-quickbooks-integration): Why and how to integrate QuickBooks with a spend management platform.
- [A spend management guide for mid-market CFOs](https://payhawk.com/blog/spend-management-guide-for-mid-market-cfos): A practical spend management guide for mid-market CFOs.
- [Building a NetSuite purchase order workflow](https://payhawk.com/blog/netsuite-purchase-order-workflow): How to build a NetSuite purchase order workflow with spend management.
- [Integrating SAP S/4HANA with a spend management platform](https://payhawk.com/blog/how-and-why-to-integrate-sap-s4hana-with-a-spend-management-platform): Why and how to integrate SAP S/4HANA with a spend management platform.
- [A simple spend management guide for SMBs](https://payhawk.com/blog/simple-spend-management-guide-for-smbs): A simple spend management guide for small and medium-sized businesses.
- [Agentic AI for procurement workflows](https://payhawk.com/blog/agentic-ai-procurement-workflows): How agentic AI automates procurement workflows.
- [How AI in procurement improves decision-making](https://payhawk.com/blog/how-ai-in-procurement-improves-decision-making): How AI in procurement improves decision-making across the purchasing process.
- [Integrating Dynamics 365 Finance & Operations with spend management](https://payhawk.com/blog/integrating-dynamics-365-finance-operations-with-spend-management): Why and how to integrate Microsoft Dynamics 365 Finance & Operations with a spend management platform.
- [Integrating Oracle NetSuite with a spend management platform](https://payhawk.com/blog/integrating-oracle-netsuite-with-a-spend-management-platform): Why and how to integrate Oracle NetSuite with a spend management platform.
- [Integrating DATEV Unternehmen online with spend management](https://payhawk.com/blog/integrate-datev-unternehmen-online-with-spend-management): Why and how to integrate DATEV Unternehmen online with a spend management platform.
- [Integrating Pennylane with a spend management platform](https://payhawk.com/blog/integration-pennylane): Why and how to integrate Pennylane with a spend management platform.
- [Integrating Dynamics 365 Business Central with spend management](https://payhawk.com/blog/dynamics-business-central-integration): Why and how to integrate Microsoft Dynamics 365 Business Central with a spend management platform.
- [Integrating Sage Intacct with a spend management platform](https://payhawk.com/blog/why-integrate-sage-intacct-with-a-spend-management-platform): Why and how to integrate Sage Intacct with a spend management platform.
- [Payhawk Partners With J.P. Morgan Payments To Boost Innovation](https://payhawk.com/blog/jpmorgan-partners-with-payhawk-to-boost-innovation-and-growth): J.P. Morgan Payments provides Payhawk API-based banking services to improve payments for UK customers.
- [What is Instant SEPA? A look behind the curtains.](https://payhawk.com/blog/what-is-instant-sepa-a-look-behind-the-curtains): How Instant SEPA works and what it means for instant euro transfers across Europe.

## Industries

- [Expense Management and Control For Marketing & Creative Agencies](https://payhawk.com/industry/marketing-and-creative-agencies): Expense management for marketing and creative agencies: project and ad-hoc spend managed in one platform.
- [Expense Management In The Renewable Energy Sector](https://payhawk.com/industry/renewable-energy): Spend management for renewable energy companies: centralised real-time spending, employee card controls, and project analytics.
- [Expense management software for automotive businesses](https://payhawk.com/industry/automotive): Expense management for automotive businesses: cards with limits, real-time expense tracking, and streamlined operations.
- [Expense Management for Tech & Software Companies](https://payhawk.com/industry/technology): Expense management for tech and software companies: card issuance, real-time spend tracking, and purchase order management.
- [Smarter Spend Management For Food & Drink Companies](https://payhawk.com/industry/food-and-drink-industry): Spend management for food and drink companies: full spend visibility and cost control across the supply chain.
- [Driving Spend Management Efficiency Across Transportation and Logistics](https://payhawk.com/industry/transport-and-logistics): Spend management for transportation and logistics companies: better spend control and visibility with less manual work.
- [Automate Expense Management In The Retail And Hospitality Industries](https://payhawk.com/industry/retail-hospitality): Expense management for retail and hospitality businesses: faster processes and clearer spend visibility.
- [Expense Management for Companies Providing Business Services](https://payhawk.com/industry/business-services): Expense management for business services providers: project-based expense tracking from day one.

## Customer stories

- [Taking Control And Leaving Clunky Bank Cards Behind At Konica Minolta](https://payhawk.com/customers/how-konica-minolta-replaced-bank-cards-with-payhawk): Konica Minolta Bulgaria replaced bank cards with Payhawk for full control and visibility over card spending.
- [Fast-tracking Procurement Efficiency at Greystone GT](https://payhawk.com/customers/fast-tracking-procurement-efficiency-at-greystone-gt): Greystone GT cut purchase order processing time by 80% and improved supplier relationships with combined PO and expense management.
- [How Aventum Group Took Control Of Multi-Entity Spend](https://payhawk.com/customers/transforming-multi-entity-spend-management-aventum-group): Aventum Group cut reimbursements from 45 to 5 days, blocked £9K in non-business spend, and gained real-time visibility across 11 entities.
- [Pathé & Payhawk: Creating A Smoother Employee Expense Experience](https://payhawk.com/customers/why-pathe-switched-to-payhawk): Pathé, the Netherlands' largest cinema chain, simplified employee expense payments with Payhawk.
- [Cutting Spend Management Processes By 66% At Astrid & Miyu](https://payhawk.com/customers/streamlining-spend-management-at-astrid-and-miyu): Astrid & Miyu cut spend management processes by 66%, ending manual admin and receipt chasing.
- [How Discordia Logistics Quadrupled Productivity With Payhawk](https://payhawk.com/customers/increasing-productivity-over-fourfold-at-discordia): European transport company Discordia quadrupled finance productivity and processes 25,000+ expenses monthly with Payhawk.
- [How Cafe Candelas Reduced Time Spent Managing Expenses By Fifty Percent](https://payhawk.com/customers/how-cafe-candelas-cut-the-expense-management-processes-in-half): Cafe Candelas halved the time spent managing expenses with Payhawk.
- [Chaos Group Saves Five Days A Month With Expense Automation](https://payhawk.com/customers/chaos-saves-five-days-with-expense-automation): Chaos Group saves five days a month on finance admin with expense automation.
- [Accelerating Business Travel Expense Management At Porsche E-Bikes](https://payhawk.com/customers/accelerating-business-travel-expense-management-at-porsche-ebikes): Porsche eBikes manages travel costs and tracks spending in real time with Payhawk.
- [Maximising ROI: Mastering Spend Control at Rentals United](https://payhawk.com/customers/maximising-roi-taking-control-of-spend-at-rentals-united): Rentals United cut manual finance work by over a third and gained full spend visibility.
- [How Spend Management Helped MDM Props Save £240K In Quarterly VAT Reclaims](https://payhawk.com/customers/how-mdm-props-saved-thousands-with-accurate-receipt-reconciliation): London-based MDM Props estimated £240K in VAT reclaim savings in one quarter through accurate receipt reconciliation.
- [Business spend automation for time savings & a lean team - Plan A Customer Story](https://payhawk.com/customers/how-plan-a-improves-business-spend-automation): Plan A saves two days a month with business spend automation.
- [How Essentia Analytics closes the month in just five days](https://payhawk.com/customers/how-essentia-analytics-close-their-month-in-five-days): Essentia Analytics closes the month in five days after consolidating expenses and cards on one platform.
- [How AiOPSGROUP Saved Two Hours A Day On Expense Management](https://payhawk.com/customers/how-aiopsgroups-saved-time-and-money-with-expense-management): AiOPSGROUP cut bank charges and saves two hours a day on finance admin with Payhawk.
- [How Payhawk helped us become a cashless business](https://payhawk.com/customers/how-payhawk-helped-us-become-a-cashless-business): Luxair went cashless with Payhawk, eliminating out-of-pocket expenses and gaining visibility over who spent what, where.
- [Saving four days work with spend management and a NetSuite integration at Heroes](https://payhawk.com/customers/heroes-now-we-can-focus-on-what-really-matters): Heroes saves four days of work per month with Payhawk's NetSuite integration and all-in-one spend management.
- [ATU improves payment reconciliation and saves +2m](https://payhawk.com/customers/atu-going-cashless-with-over-550-branches): Germany's largest auto retailer ATU went cashless across 550+ branches and saved over €2m through improved payment reconciliation.
- [Starship cuts finance processing costs by up to 40% with spend management](https://payhawk.com/customers/cutting-finance-processing-costs-by-up-to-40-percent-at-starship): Starship Technologies cut finance processing costs by up to 40% and eliminated reconciliation issues with Payhawk.
- [Workable replaces Spendesk & Expensify with global spend management platform](https://payhawk.com/customers/workable-replaces-spendesk-and-expensify-with-one-global-solution-payhawk): Workable replaced Spendesk and Expensify with Payhawk, cutting month-end close by three days for 290 employees.

## More information

- [Help center](https://payhawk.com/help-center): Product documentation, how-to guides, and FAQs for accountants, administrators, employees, and developers using Payhawk.
- [Trust center](https://payhawk.com/trust): Payhawk's security, compliance, and data protection information, including certifications, data residency, encryption, and fund safeguarding.
- [Release notes](https://payhawk.com/release-notes): See Payhawk's latest feature updates and tips to improve spend management.
- [Pricing](https://payhawk.com/pricing-and-plans): See Payhawk's plans and pricing.
- [Request a demo](https://payhawk.com/demo): See how Payhawk helps your finance and accounting teams control spend and boost efficiency.
- [Why Payhawk](https://payhawk.com/why-payhawk): Payhawk automates everything between your bank and accounting software in real time.
- [Careers](https://payhawk.com/careers): Build a people-first fintech and grow your career at Payhawk.
- [Team](https://payhawk.com/team): Explore Payhawk's vision and meet our team.
- [Contact us](https://payhawk.com/contact-us): We're here to answer your questions and help improve your Payhawk experience.

## Optional

### Customer stories

- [Flowdesk chooses Payhawk to power its hypergrowth](https://payhawk.com/customers/flowdesk-chose-payhawk-to-support-its-growth): Flowdesk's CFO uses Payhawk to scale spend management through hypergrowth.
- [A finance makeover: How Salonkee scaled with total spend visibility](https://payhawk.com/customers/salonkee-finance-makeover): Salonkee replaced spreadsheets with Payhawk to streamline spending, increase visibility, and improve decisions across entities.
- [How Arc & Naya Transformed Finance With Visibility & Control](https://payhawk.com/customers/arc-naya-scaling-with-payhawk): Arc and Naya used real-time data, spend controls, and automation to scale faster, cut risk, and future-proof finance.
- [How Enrique Tomás Jamon Production Improves Expense Control](https://payhawk.com/customers/controlling-expenses-at-enrique-tomas): Enrique Tomás, a major European food distributor, improved expense control with Payhawk.
- [Keeping Spend Visible And Under Control at Undercurrent](https://payhawk.com/customers/keeping-spend-visible-and-under-control-at-undercurrent): Undercurrent uses Payhawk to control project spending as it grows.
- [Scaling Spend Management At TIER-Dott](https://payhawk.com/customers/one-tool-less-complexity-tier-dott): TIER-Dott consolidated multiple tools into one spend management platform.
- [How The WFA Streamlined Expense and Receipt Management](https://payhawk.com/customers/revolutionising-receipt-management-wfa): The World Federation of Advertisers streamlined expense and receipt management with Payhawk.
- [How Baton achieved greater spend control and visibility with Payhawk](https://payhawk.com/customers/achieving-greater-spend-control-and-visibility-at-baton): Baton improved expense control, visibility, and invoicing with Payhawk's real-time tools.
- [How Wellpointe Inc. Supports Seamless Multi-Subsidiary Spend With Payhawk](https://payhawk.com/customers/taking-control-of-multi-subsidiary-spend-at-wellpointe-inc): US elder care provider Wellpointe Inc. sees and controls spending across subsidiaries with Payhawk.
- [How PinPoint Media Take Control Of Project Spend](https://payhawk.com/customers/driving-project-spend-visibilty-and-control-at-pinpoint-media): PinPoint Media streamlined project spend and improved cash flow visibility with Payhawk.
- [Becoming Agile with Smart Expense Management - Kolsquare](https://payhawk.com/customers/improving-expense-management-agility-at-kolsquare): Kolsquare made spend management more agile with corporate cards and easy expense tracking.
- [How Parkos Improved Card Management To Optimise Its Finance Operations](https://payhawk.com/customers/from-manual-accounting-to-seamless-financial-operations-parkos): Parkos improved card management and reconciliation by integrating Payhawk with Exact Online.
- [Analysing venue performance with spend categorisation at State of Play](https://payhawk.com/customers/analysing-venue-performance-with-spend-categorisation-at-state-of-play): State of Play manages venue spend and analyses budgets with spend categorisation.
- [Enhancing the expense process across global FFW offices](https://payhawk.com/customers/enhancing-the-expense-process-across-global-ffw-offices): FFW uses Payhawk's real-time spend visibility to make faster, more cost-effective decisions across global offices.
- [Control International Business Spend, Policies, And Compliance](https://payhawk.com/customers/supporting-international-business-spend-abacum): Abacum cut FX and bank fees and saved hours on expense management after switching to Payhawk.
- [How GDS Group Track And Control Global Expenses Across Projects](https://payhawk.com/customers/how-gds-group-track-and-control-global-expenses-across-projects): Global digital events company GDS Group tracks and controls project expenses across markets with Payhawk.
- [Saving, scaling, and taking control of spend at VICIO](https://payhawk.com/customers/scaling-saving-and-taking-control-of-spend-at-vicio): Spanish restaurant group VICIO gained control of spending while scaling rapidly.
- [Vertice Saved Multiple Hours Each Week With Smart Spend Management From Payhawk](https://payhawk.com/customers/saving-multiple-hours-every-week-at-vertice): SaaS purchasing platform Vertice saves multiple hours each week with automated spend management.
- [HR Company HRS Saves Money With Cards & Expense Management](https://payhawk.com/customers/saving-time-on-spend-management-at-hrs): HRS Bulgaria saved time and money and gained clear spend visibility with Payhawk.
- [Mercell Manages Corporate Spend Better With Payhawk](https://payhawk.com/customers/how-mercell-manages-corporate-spend-better-with-payhawk): Mercell replaced a single shared company credit card with individually issued and managed Payhawk cards.
- [Payflow: Now we have spend control & visibility to grow our business](https://payhawk.com/customers/payflow-now-we-have-the-control-and-visibility-to-grow): Spanish startup Payflow gained the spend control and visibility to grow its business.
- [From Revolut to Payhawk Corporate Cards And Expense Management](https://payhawk.com/customers/okr-quantive-from-revolut-to-payhawk): Quantive moved from bank transfers for employee travel to issuing and managing company cards with Payhawk.
- [June Fund: Payhawk Spend Management from an investor perspective](https://payhawk.com/customers/payhawk-from-an-investor-perspective): Global tech investor June Fund shares its perspective on Payhawk and the expense management market.
- [Scalefocus: Really Empowering Spend Management Solution](https://payhawk.com/customers/this-is-really-empowering): ScaleFocus adopted Payhawk for simple, paperless spend management.
- [Stop chasing expenses with expense management software](https://payhawk.com/customers/eleven-vc-is-using-payhawk-to-save-time-and-money): Eleven VC saves time and money on expense management with Payhawk.
- [Intuitive and easy to use spend management solution](https://payhawk.com/customers/intuitive-and-easy-to-use-lifeaid): LIFEAID manages its sales reps' expenses with Payhawk.
- [Easy-To-Use Expense App And Fewer Mistakes At Club Freelance](https://payhawk.com/customers/customer-support-is-outstanding-clubfreelance): Club Freelance has used Payhawk since 2019 for its app, error-free reconciliations, and Xero integration.
- [High-Limit Corporate Visa Cards Are Key At Verto Digital](https://payhawk.com/customers/high-limit-cards-for-less-interruption-vertodigital): Verto Digital switched to high-limit corporate Visa cards to keep social campaigns running without interruption.
- [Zenloop: We love how easy it is to create & issue new corporate cards](https://payhawk.com/customers/zenloop-we-love-how-easy-it-is): Zenloop uses Payhawk for secure, accountable budgeting with real-time transaction visibility.
- [Simplifying Business Spend And Accounting At Explose Agency](https://payhawk.com/customers/straightforward-and-transparent-accounting-at-explose-agency): Explose Agency modernised payments and expenses to save time and improve spend visibility.
- [Staria: The ERP Consultant Partner Scaling CFO Success](https://payhawk.com/customers/partner-stories-how-staria-scales-cfo-success-with-payhawk): ERP consultancy Staria partners with Payhawk to automate and scale spend management for European CFOs.