Simplify spending and grow your business

No annual commitments. No hidden fees.

Essential

Startups and new businesses

Simplify your expenses and manage spend with multiple cards

€0 per company/month

+ €10 for every €2,500 expenses / month

Start free trial
    • Up to 3 users
    • 1 card free(Add more for €15 one-off charge)
    • Expense app
    • Real-time notifications
    • Budgets and spend control
    • Company cards management
    • Excel reports to accountants

PRO

Professional services and consultancies

Travel and track expenses with card and cash payments

€48 per company/month

+ €5 for every €2,500 expenses / month

Start free trial
    • Up to 10 users
    • 3 cards free(Add more for €15 one-off charge)
    • Expense app
    • Real-time notifications
    • Budgets and spend control
    • Company cards management
    • Excel, Xero or Quickbooks feed to accountants
    • Cost centers, Projects and other custom categories
    • Cash expenses with OCR

PREMIUM

Large and distributed companies

Manage spend for distributed teams and enjoy custom rates

Contact us

+ €0 for every €2,500 expenses / month

Start free trial
    • Unlimited users
    • 5 cards free (Add more for €10 one-off charge)
    • Expense app
    • Real-time notifications
    • Budgets and spend control
    • Company cards management
    • Excel, Xero or Quickbooks feed to accountants
    • Cost centers, Projects and other custom categories
    • Cash expenses with OCR
    • Automated bookkeeping
Every edition includes
    • Instant issuing of virtual and physical Mastercard Business cards
    • Support for EUR, GBP, USD and BGN card currencies

Questions? Look Here

See all

What is a user?

Users are employees of your business with access to the Payhawk web portal and mobile app. All users receive a physical or virtual card included in the monthly fee

Is there a limit of users?

No, there is no limit. For companies with more than 30 users, please contact sales to get a quote.

Is Payhawk a prepaid card?

No, Payhawk offers Mastercard® business debit cards. Unlike prepaid cards, Mastercard® business debit cards are accepted by more than 36 million merchants worldwide incl. car rentals and accommodations.

How do I issue my cards?

You can issue new physical and virtual debit Mastercard® business cards to your employees from our web portal. Virtual cards are delivered in seconds to an employee’s mobile phone and can be used for online payments only. Physical cards are shipped to your office up to 10 business days. These can be used for any both online and offline payments.

What currencies does Payhawk support?

Right now you can open accounts in EUR, GBP, USD and BGN. If you have specific requirements for currencies that are not yet supported contact sales.

Is Payhawk a bank? How can it issue cards?

Payhawk is a technical service provider under the terms of the Payment services (PSD 2) – Directive (EU) 2015/2366. We are registered as an agent to issuing banks that have passports to issue E-money in the European Economic Area (EEA) and are pursuant to license by MasterCard and Visa. Payhawk does not receive, hold, transfer or come into possession of your funds at any time.

How can I transfer funds to my Payhawk card?

To use your Payhawk cards your company needs to have funds in your E-money account maintained by an Issuing bank and opened as part of the Payhawk registration process. A standard way of funding the account is via bank wire. Your funds are securely held in Saxo Bank, Denmark for accounts in GBP, EUR and USD and DSK Bank, Bulgaria for BGN

Is there a minimum amount I should transfer in my account?

Yes, the minimum amount per transfer to your account is €1,000, or your currency equivalent.

Do I have to top-up every company card individually?

No, there is no need to load cards individually. All of your cards are attached to one account balance per currency. You can set spend limits on each card.

In which countries is Payhawk available?

The Payhawk platform and Payhawk cards are available to registered businesses in all member states of the European Economic Area (EEA).

What are the card transaction fees?

Our goal is to provide you with the best possible card fees that we can provide from our issuers. For a detailed summary of all card fees see our Card Fees page.

Can I cancel my monthly subscription?

Yes, you can cancel your subscription at any time, however you will be billed for the remainder of the corresponding month. There is no annual commitment.

Can I change the amount of users? Do I need to wait for the next month to do so?

The amount of users can be changed at any time. The number of users added will be charged on a pro rata basis.

What is the exchange rate on Payhawk?

Payhawk customers use the official Mastercard® exchange rate. You can check the exchange rate on each transaction via the Mastercard® currency converter calculator, available here. We charge 1.25% currency exchange fees for transactions in different currency than your card currency. You can avoid currency exchange fees by issuing a card in the same currency as your transaction.

Ready to try Payhawk?