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A spend platform covering cards, expenses, bill payments, travel and procurement, with its own issuing entities in the UK and EEA. It publishes the widest ERP connections in this edition and ISO 27001, SOC 2 and PCI DSS Level 1.
Payhawk scores 3.8 out of 5 (75 out of 100) in the Buckingham Intelligence Expense Cards and Spend Management Index 2026 and ranks 7 of 12. It is strongest for multi-entity firms wanting cards, bills, travel and procurement with deep ERP links, with 5 out of 5 for product coverage, integration and regulatory standing. Not published or not stated on the pages read: global reach, regulatory standing and spend controls.
Scores from the Expense Cards and Spend Management Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For startups and small firms | 64 | 10 of 12 |
| For mid-market and multi-country groups | 77 | 5 of 12 |
| For regulated financial firms | 83 | 5 of 12 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
Multi-entity firms wanting cards, bills, travel and procurement with deep ERP links.
What Payhawk publishes on its own pages, read on 26 October 2026.
A spend platform covering cards, expenses, bill payments, travel and procurement, with its own issuing entities in the UK and EEA. It publishes the widest ERP connections in this edition and ISO 27001, SOC 2 and PCI DSS Level 1. Prices are published only as "starting at" figures.
| Fact | What the provider publishes |
|---|---|
| Product coverage | Cards & Expenses with reimbursements; Accounts Payable; Procurement with "2-way and 3-way matching"; Travel with "Global hotel and flight booking". |
| Pricing | Travel "Starting at $299/mo"; Cards & Expenses "Starting at $449/mo"; Accounts Payable "Starting at $349/mo"; Procurement "Starting at $499/mo". |
| Global reach | Cards issued in the EEA, UK and US; country count not published on the pages read. |
| Integration | "Integrations with 40+ ERP/Accounting/HR systems"; NetSuite, Dynamics Business Central, Microsoft Finance and Sage Intacct; Xero, QuickBooks Online and Exact Online; Partner API. |
| Regulatory standing | "Payhawk Debit and Credit Cards are issued by Payhawk Financial Services UAB in the EEA, Payhawk Financial Services Limited in the UK, and Cross River Bank, Member FDIC in the US." "PCI DSS Level 1 security, ISO 27001, and SOC 2". |
| Spend controls | "Advanced approval workflow designer"; "Spend policy and controls"; "automatic receipt chasing"; fraud prevention. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: payhawk.com/en/pricing, payhawk.com/en/security, payhawk.com/en/legal.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Expense Cards and Spend Management Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Airwallex | 4.8 | 1 of 12 | Multi-country firms wanting cards, bills and accounts in one place with published prices |
| Brex | 4.7 | 2 of 12 | US and global firms wanting a free plan and local cards in many countries |
| Ramp | 4.7 | 3 of 12 | US firms wanting cards, bills, travel and procurement on one platform |
| Soldo | 4.0 | 4 of 12 | UK and EU firms wanting a published monthly price and regulated card issuer |
| Spendesk | 3.9 | 5 of 12 | European firms wanting unlimited users and their own regulated card issuer |
| Moss | 3.8 | 6 of 12 | European firms wanting an EU-regulated issuer and EU data hosting |
| Pleo | 3.5 | 8 of 12 | UK and European small firms wanting clear per-user prices |
| Mesh | 3.1 | 9 of 12 | US firms wanting travel and SaaS spend on virtual cards |
| Aspire | 3.1 | 10 of 12 | Asian firms wanting a free plan with cards and multi-currency accounts |
| Volopay | 3.0 | 11 of 12 | Firms in Asia-Pacific and the US wanting cards and payouts together |
| Navan | 2.6 | 12 of 12 | Firms under 300 staff wanting free travel booking with expenses |
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. Payhawk is compared with its alternatives in the table above.
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