Comparison
Payhawk vs Spendesk
A side-by-side look at Payhawk and Spendesk — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Payhawk
The all-in-one spend management solution for global companies.
Payhawk combines corporate cards, expense management, accounts payable and procurement on one platform — with deep ERP integrations for mid-market and enterprise finance teams.
Spendesk
The 7-in-1 spend management platform for finance teams.
Spendesk unifies corporate cards, invoice payments, expense claims, approval workflows, budgets and pre-accounting — purpose-built for European mid-market finance teams.
Side-by-side
| Spec | Payhawk | Spendesk |
|---|---|---|
| Tagline | The all-in-one spend management solution for global companies. | The 7-in-1 spend management platform for finance teams. |
| Headquarters | London, UK | Paris, France |
| Founded | 2018 | 2016 |
| Regions | EU, UK, US | EU, UK |
| Card type | Visa charge card | Prepaid + credit (FR market) |
| Pricing | Custom pricing based on users and modules. | Custom pricing based on users and modules. |
| Rewards | Up to 1.5% cashback on USD cards. | — |
| Best for | Mid-market, Multi-entity groups, Companies on NetSuite or Microsoft Dynamics | Mid-market, Multi-entity European groups, Finance teams that need approval workflows |
| Integrations | NetSuite, Microsoft Dynamics 365, Sage Intacct, Xero, QuickBooks, SAP | Datev, Netsuite, Xero, QuickBooks, Sage, Cegid |
Payhawk: pros & cons
- Deepest ERP integrations in EU
- Strong mid-market fit
- Multi-entity native
- Heavier than Pleo for small teams
- Opaque pricing
Spendesk: pros & cons
- Workflow depth
- European compliance built-in
- Banking license (Spendesk Financial Services)
- Opaque pricing
- Heavier than Pleo for small teams