Payhawk costs $299 to $499 a month per module in the US: Travel $299, Accounts Payable $349, Cards & Expenses $449 and Procurement $499, with Payhawk Complete quoted. There is no implementation fee. Admin seats, cards, volume and add-ons such as NetSuite sync raise the quote, and card FX costs 2.99%.
Payhawk pricing: key takeaways
- Modules: Travel from $299, Accounts Payable from $349, Cards & Expenses from $449 and Procurement from $499 a month.
- Complete: Payhawk Complete bundles every module and the AI agents, and it is priced only on a custom quote.
- What moves the quote: Plans, add-ons, admin and accountant seats, number of cards and transaction volume set your final price.
- No setup fee: Payhawk charges no implementation fee, and guided implementation support comes at no additional cost.
- Card fees: US Visa cards cost nothing per purchase, but FX and ATM withdrawals cost 2.99% and shipping $10 a card.
- Paid add-ons: NetSuite, Sage Intacct and Dynamics sync, enterprise HRIS, budgets, extra entities and credit are add-ons.
How much does Payhawk cost?
Payhawk costs from $299 a month for Travel, $349 for Accounts Payable, $449 for Cards & Expenses and $499 for Procurement, which includes Bill Payments, at US starting prices. Payhawk Complete, which bundles every card, expense and spend analytics module, is quoted. There is no free plan.
| Module | Starts at | Per year | What it covers |
|---|---|---|---|
| Travel | $299/month | $3,588 | Hotel and flight booking, travel policy, trip approvals |
| Accounts Payable | $349/month | $4,188 | Bill capture, approval workflows, vendor checks, bulk payments |
| Cards & Expenses | $449/month | $5,388 | Your card program or Payhawk Visa cards, receipts, reimbursements |
| Procurement | $499/month | $5,988 | Purchase orders, intake, 2- and 3-way matching; includes Bill Payments |
| Payhawk Complete | Custom quote | Quoted | All four modules plus the full set of AI agents |
What every Payhawk module includes
Every Payhawk module includes unlimited employee seats, card transactions and document processing, live accounting sync, 50+ HRIS integrations, multi-entity setup and SSO.
- Unlimited employee seats, card transactions and document processing
- Live sync with Xero, QuickBooks Online or Exact Online, and 50+ HRIS integrations
- Multi-entity setup, SSO and approval workflows
What will Payhawk cost for your business?
Payhawk costs a 50-to-200-person company $5,388 a year for Cards & Expenses at the starting price, or $11,376 a year with Procurement added. There is no implementation fee and employee seats are unlimited, so year one is the modules plus $10 per card shipped. Admin seats, add-ons and 2.99% FX card fees sit on top.
Three example companies
| Monthly cost | Cards & Expenses | Cards + AP | Cards + Procurement + Travel |
|---|---|---|---|
| Cards & Expenses | $449 | $449 | $449 |
| Accounts Payable | – | $349 | – |
| Procurement (incl. Bill Payments) | – | – | $499 |
| Travel | – | – | $299 |
| ATM withdrawal fees | – | – | $60 |
| Billed per year | $5,388 | $9,576 | $15,682 |
| Plus card FX fees, per year | None | $3,588 | $8,970 |
| Setup, one-time | $500 | $1,000 | $2,000 |
- Cards & Expenses: Cards & Expenses module, 50 physical cards shipped, US-only spend
- Cards + AP: Cards & Expenses and Accounts Payable, 100 cards shipped, $10,000 of foreign-currency card spend a month
- Cards + Procurement + Travel: Cards & Expenses, Procurement (with Bill Payments) and Travel, 200 cards shipped, $25,000 of foreign card spend and $2,000 of ATM cash a month
All figures use Payhawk's US starting prices and exclude quoted add-ons, extra admin seats and Payhawk Complete.
Estimate your own Payhawk cost
What Payhawk charges on top of the subscription
Payhawk charges 2.99% for currency conversion, 2.99% on ATM withdrawals with a $5 minimum, $25 per chargeback and $10 to ship each physical card on top of the subscription. Its US card fee schedule, last updated January 2025, charges nothing for card purchases or bank-transfer funding.
Payhawk US Visa card fees
Payhawk's US Visa cards charge no fee on purchases or bank-transfer funding, but 2.99% on currency conversion and ATM withdrawals, $10 per physical card and $25 per chargeback.
| Fee | Amount |
|---|---|
| Card purchase, domestic or international | No fee |
| Foreign-currency conversion | 2.99% |
| ATM withdrawal | 2.99%, $5 minimum |
| Physical card shipment | $10 per card |
| Chargeback | $25 |
| Late payment | 4% a year above the Fed funds rate |
| Bank-transfer funding, balance checks, 3D Secure | No fee |
Payhawk's pricing page and card fee schedule do not list transfer fees for US bill payments, so ask for them in writing if you plan to pay suppliers through the Accounts Payable or Procurement module.
How much does Payhawk ERP integration cost?
Payhawk's live sync with Xero, QuickBooks Online and Exact Online is included in every module, while two-way NetSuite, Dynamics Business Central, Microsoft Finance and Sage Intacct integrations are quoted add-ons. Enterprise HRIS links such as Workday and ADP are also priced in the quote.
| Your system | How it connects | Effect on price |
|---|---|---|
| Xero, QuickBooks Online, Exact Online | Live accounting sync | Included in every module |
| NetSuite, Sage Intacct, Dynamics Business Central, Microsoft Finance | Two-way ERP add-on | Quoted add-on |
| Hibob, Deel, Personio, BambooHR | HRIS integrations (50+) | Included |
| Workday, SAP SuccessFactors, UKG, ADP, Paylocity | Enterprise HRIS add-on | Quoted add-on |
If you choose the Procurement module for purchase orders and matching, confirm which ERP fields the add-on syncs, such as POs, receipts and bills.
What to confirm about your ERP
Confirm whether your ERP is on the included list or needs the quoted add-on, whether sync runs both ways, and whether extra entities or HRIS links change the price.
- Whether your ERP is on the included list (Xero, QuickBooks Online, Exact Online) or needs the ERP add-on
- The add-on price for NetSuite, Sage Intacct, Dynamics Business Central or Microsoft Finance, per entity or flat
- Whether sync is two-way: vendors, GL codes and bills flowing back from the ERP
- Whether HRIS sync with Workday, ADP or UKG needs the enterprise HRIS add-on
- Whether extra legal entities change the ERP add-on price
Payhawk implementation cost and setup time
Payhawk charges no implementation fee and takes about 2 months to implement, per G2 reviewers; your only one-time cost is $10 to ship each physical card. Its implementations team gives guided setup support at no additional cost. Plan your team's time on policies, approvals and sync.
| Setup step | Time | Who pays |
|---|---|---|
| Guided implementation by Payhawk's team | Included | No fee (Payhawk) |
| Policies, approvals and accounting sync | Part of about 2 months on average (G2) | Your team's time |
| NetSuite, Sage Intacct or Dynamics add-on | Quoted with the add-on | Add-on price |
| Physical Visa cards | Shipped by first-class mail | $10 per card, bulk discount on request |
| Connect an existing card program | Optional instead of Payhawk cards | No card fee from Payhawk |
- No implementation or onboarding fee on any module
- G2 reviewers report payback in about 8 months on average
- One reviewer calls Payhawk "very easy to set up from the start" (G2)
Payhawk add-ons, modules and contract terms
Payhawk publishes no price for its add-ons: a credit line, budget tracking, two-way ERP integrations, enterprise HRIS integrations and additional entities, all sold on top of any module. You can combine modules, switch plans and add or remove add-ons at any time, and there is no limit on add-ons.
| Term | How Payhawk handles it |
|---|---|
| Add-ons | Credit line, budgets, ERP and HRIS integrations, extra entities; quoted |
| Combining modules | Allowed; Complete bundles all four |
| Changing plans | Switch plans or add-ons at any time |
| Seats | Unlimited employee seats; admin and accountant seats affect price |
| UK and EEA Growth Program | £149 a month for 24 months, not offered in the US |
Renewal terms to check before you sign
Some Payhawk customers report 3-year commitments and one reviewer a 22% mid-term increase, so get a renewal cap, a price lock and early-termination terms in writing.
- Buyers report 3-year contract commitments on some Payhawk deals
- One reviewer reported a 22% price increase during the contract term
- Ask for a renewal cap, a price lock for the term and early-termination terms in writing
- Confirm how adding modules or entities mid-term is billed
What companies actually pay for Payhawk
Payhawk buyers pay $3,588 to $5,988 a year for one module at published starting prices, and $9,576 for Cards & Expenses plus Accounts Payable. No buyer-price benchmark exists: Vendr lists its five products but no contract data. Reviewers report quotes rising with seats and entities, in one case to €3,000 a month.
| What is reported | Figure | Source |
|---|---|---|
| One module at starting price | $3,588–$5,988 a year | Payhawk pricing page |
| Cards & Expenses + Accounts Payable | $9,576 a year | Payhawk pricing page |
| Cards & Expenses + Procurement + Travel | $14,964 a year | Payhawk pricing page |
| Reported real monthly cost, one reviewer | €3,000 a month | Buyer report |
| Older directory listing | $599–$899 a month | Software Finder |
| G2 and Capterra plan listings | Custom quote only | G2, Capterra |
| G2 average discount off list | 12% | G2 pricing insights |
| G2 perceived cost | 4 of 5 | G2 pricing insights |
Payhawk Complete, add-ons and extra admin seats are not in these figures, so treat the starting prices as a floor and ask for an itemised quote.
Is Payhawk worth the price?
Payhawk is worth its price when you want cards, expenses and bills in one tool with unlimited employee seats and no setup fee. It costs more once you need NetSuite or Sage Intacct sync, extra entities or heavy foreign-currency card spend at 2.99%, which is when Payhawk alternatives are worth comparing.
Worth it if
- Many employees spend, so unlimited seats matter more than a per-user price
- You run Xero, QuickBooks Online or Exact Online, which sync at no extra cost
- You want to keep your current credit card program
- You want implementation without a services fee
Look elsewhere if
- You need NetSuite, Sage Intacct or Dynamics sync (paid add-on)
- Your team spends heavily in foreign currencies
- You need several modules, which stack monthly fees
- You want a full published price before a demo
How to get a better Payhawk price
Buy only the modules you will use this year, and ask for the ERP add-on, extra entities and admin seats priced line by line. Then request bulk card shipping, a cap on renewal increases and a price lock for the term, and compare Payhawk Complete against the sum of the modules you actually need.
Get in writing
- Price per module at your size
- ERP and HRIS add-on prices
- Admin and accountant seat pricing
- Fee per extra entity
- US bill payment transfer fees
- Renewal cap and contract length
Ways to pay less
- Start with one module, add later
- Use Procurement, which includes Bill Payments
- Ask for bulk card shipping
- Limit foreign-currency card spend
- Compare Complete with module totals
Payhawk pricing vs alternatives
Payhawk charges a monthly fee per module, from $299 to $499, with unlimited employees. Ramp is free, or $15 per user a month on Plus. BILL charges from $49 per user a month. Zapro pricing is Spark at $699 a month, Growth at $1,999 a month and Scale on custom pricing, all with unlimited users; your ERP or bank pays suppliers.
| Tool | Pricing model | Starts at | Per-user fee | Who pays suppliers |
|---|---|---|---|---|
| Payhawk | Per module, quoted add-ons | $299–$499/month per module | No | Payhawk |
| Ramp | Free, then per user + platform fee | $0; Plus $15/user | On Plus | Ramp |
| BILL | Per user | $49/user/month | Yes | BILL |
| Zapro | Flat plans, unlimited users | Spark $699 / Growth $1,999 a month; Scale custom | No | Your ERP or bank |
Payhawk pricing FAQs
How much does Payhawk cost?
Payhawk modules start at $299 a month for Travel, $349 for Accounts Payable, $449 for Cards & Expenses and $499 for Procurement in the US. Payhawk Complete is quoted, and admin seats, cards, volume and add-ons raise the price.
Does Payhawk charge per user?
No. Every Payhawk module includes unlimited employee seats, so staff who spend or submit expenses add no fee. Admin and accountant seats, the number of cards and transaction volume do affect the quote, so ask for those priced line by line.
Is Payhawk a bank or a credit card?
Neither. Payhawk is spend management software that can issue optional Payhawk Visa cards or connect your existing card program. It is not a bank: its optional credit line is an add-on, and US cards are funded by bank transfer at no fee.
What does Payhawk do?
Payhawk runs corporate cards, expenses, bill payments, purchase orders and business travel in one platform, sold as four modules. Each includes unlimited employee seats, approval workflows and live sync with Xero, QuickBooks Online or Exact Online.
Does Payhawk charge an implementation fee?
No. Payhawk's pricing page says there is no implementation fee and that guided implementation support comes at no additional cost. You may still pay $10 to ship each physical Visa card, and NetSuite or Sage Intacct sync is a paid add-on.
Does Payhawk have a free plan?
No. Payhawk has no free plan in the US and its pricing page offers demos, not a free trial. The lowest US price is Travel from $299 a month. Smaller UK and EEA companies can join a Growth Program at £149 a month for 24 months.
Sources: Payhawk pricing page; Payhawk card fees (US clients); G2 Payhawk pricing; Software Finder. Prices come from Payhawk's own pages where published and from the third-party sources listed, labelled as such. Estimates are not quotes.
