Compare the best Payhawk alternatives for cards, spend control & ERP integration, built for growing finance teams at scale.
Payhawk has genuine strengths. It offers deep ERP integration and a procurement module for teams that want purchase-order workflows alongside cards. This makes it a capable platform for businesses that need structured spend controls.
However, growing finance teams often explore Payhawk alternatives as their needs change. Beyond the entry-level programme, pricing requires a custom quote, which can make future costs harder to predict. Cards are also issued to named employees and require individual activation.
This guide compares the leading Payhawk competitors for 2026. For businesses seeking a Payhawk alternative, Fyorin is one option to consider early. Its financial operations platform matches Payhawk’s ERP depth while providing transparent pricing and company-owned cards from day one.
The right Payhawk alternative depends on where your current setup creates friction. Some finance teams want simpler card administration. Others need clearer pricing. The four platforms below take different approaches to spend management software, so it helps to compare their scope before looking closely at individual features.
These differences become more important as a business grows. A platform that suits a small team may become expensive when more people need cards. Access to integrations may also depend on the subscription tier, creating extra costs as the finance stack develops.
Provider | Platform Focus | Notable Features |
Fyorin | Financial operations for growing, multi-entity businesses. | Company-owned cards from day one and transparent subscription pricing. Native ERP connections are included on every plan. |
Soldo | Prepaid card management for controlled employee spending. | Configurable spending rules and real-time expense tracking. |
Pleo | Employee expenses for small and mid-sized teams. | Smart company cards and automated receipt capture. |
Revolut | Multi-currency spend management for teams already banking with Revolut. | Individually issued cards with a separate expense module for claims and receipt matching. |
The headline features can make companies like Payhawk look similar. A closer look reveals important differences in card ownership and pricing.
Fyorin starts with a different approach to card ownership. Its business expense cards belong to the company from day one, rather than being issued to named employees, which makes them easier to manage centrally. A card can be reassigned when someone changes role, and there is no need to reissue it when an employee leaves. Fyorin does not impose a card cap at any subscription tier either, and has issued more than 40,000 cards since 2022.
ERP connectivity is another central strength. Fyorin's native ERP integrations, covering NetSuite, Sage, Microsoft Dynamics 365, Xero, QuickBooks Online, Zoho Books, Acumatica, and Odoo, are available on every plan.
This gives Fyorin direct parity with one of Payhawk’s strongest capability areas. The difference is how access is packaged. Finance teams do not need to move to a higher plan before connecting a more advanced ERP.
Pricing follows the same straightforward model. Customers pay a one-off onboarding fee and a flat monthly subscription. The amount is provided as one clear figure, rather than changing according to business size or the modules selected.
Fyorin also brings expense claims and cashback into the same platform. A claim groups multiple expenses under one budget agreed upfront, rather than needing individual approval for every transaction. Fyorin captures complete card transaction data, including from uploaded receipts, and locks a card if a receipt is not uploaded, so finance teams collect receipts without chasing people individually. Eligible card spend earns cashback as standard, and card data flows automatically into the connected accounting software, so there is less manual matching and no separate expense tool to export to.
For international card spending, Fyorin supports EUR and GBP. USD is also available. Payments sit within the wider multi-currency capabilities of the financial operations platform.
In a Payhawk vs Fyorin comparison, the practical distinction is control. Fyorin matches Payhawk’s ERP depth while offering company-owned cards. It then adds transparent pricing without procurement bloat.
Soldo is a prepaid spend management platform built around controlled access to company funds. Cards can be issued to named employees or external contractors. Because spending comes from preloaded funds rather than credit, businesses do not need a credit check to use the prepaid model. That is a genuine advantage for teams that want firm spending boundaries. Soldo is a regulated e-money institution, authorised by the Financial Conduct Authority (firm reference number 900459).
Soldo's current UK pricing page lists Standard and Plus. Unlimited is the enterprise option. Standard starts with three users and three cards, while Plus uses the same starting allowance. Unlimited removes those caps but requires a quote. Standard is priced at £21 per month and Plus at £33 per month for that base allowance. Additional users cost £7 per month on Standard and £11 per month on Plus, while additional cards cost £6 per month on either tier, meaning the overall cost of the platform increases directly with headcount, regardless of how many of those users actually hold a card. International transactions carry a 1.5% fee above the Mastercard exchange rate.
Feature access also changes between plans. Custom expense approval workflows appear under Unlimited. NetSuite is presented as an add-on, while Microsoft Dynamics 365 is also add-on dependent. Multi-currency support begins on Plus, Standard is limited to a single currency.
Soldo can therefore work well for businesses that prefer named prepaid cards and ring-fenced wallets. Fyorin covers the same need for controlled spending without placing a cap on card numbers. Approval workflows are available from the start, as is native ERP sync. Its company-owned model also avoids tying card administration to individual users.
For a closer look at how the two platforms handle card ownership and approval workflows side by side, the full Soldo vs Fyorin comparison covers it in more detail.
Pleo focuses on making employee spending easier to submit and review. Cards are normally linked to named employees, with cardholders counted as paid users once the included allowance is exceeded. The model is intuitive for teams that want each person's spending attached to an individual profile.
Its strongest employee-facing features extend beyond card transactions. Pleo handles out-of-pocket reimbursements and mileage claims. It also uses OCR to reduce manual work when processing receipts. Its NetSuite integration is natively certified and covers multi-entity mapping, a genuine strength for larger account structures.
Pleo's pricing depends on company size. For growing, multi-entity businesses, the relevant plans are Scale and Lead, not the per-user pricing Pleo advertises for smaller teams. Scale starts from £249 per month with custom user limits, and includes multi-entity management, up to 100 vendor cards, advanced approval workflows, and cashback for eligible customers. Lead starts from £499 per month and adds unlimited reimbursement users with no reimbursement transaction fees, unlimited virtual cards, and premium integrations included rather than sold as an add-on. Both tiers share a 1.49% foreign exchange fee on card and invoice payments. Businesses with fewer than 50 employees see a different, per-user pricing structure, and Pleo's enterprise tier for organisations above 1,000 employees is quote-only with no published price.
Pleo remains a credible option when employee claims are the central problem, its reimbursement and receipt-capture flow is genuinely strong. Fyorin takes a different approach, running claims through the same platform covered above, without making headcount the basis of card pricing. Its cards are company-owned from day one, and expense activity, ERP sync, and reconciliation all sit within the same financial operations platform, giving finance teams a wider view of money moving through the business.
Our Pleo vs Fyorin comparison covers the pricing and claims-workflow differences in more depth, for teams weighing the two side by side.
Revolut Business combines everyday business banking with card issuing and expense tools, appealing to teams that already hold an account with Revolut. Cards are issued to named individuals by default, with the company's name printed on the front and the cardholder's name on the back. A separate, company-named card exists for vendor, subscription, and project spend, but this sits alongside the individual model rather than replacing it. Each team member can hold up to three active physical cards and fifty active virtual cards.
Expense claims run through OCR receipt matching, and a card can be automatically frozen if a receipt has not been submitted, a control similar to Payhawk's own auto-block. Reimbursements are supported too, exporting as a draft bill with the employee listed as the supplier. There is no equivalent to claim grouping, though, each expense is reviewed individually rather than bundled under one trip or project budget.
Expense management itself sits behind a separate paid module, priced at roughly £8 per person per month on top of the base subscription. ERP integration is confirmed with NetSuite, Dynamics 365 Business Central, Odoo, Sage, Xero, and QuickBooks, though there is no clear support for intercompany recharging or cost reallocation across multiple entities.
Fyorin takes a different starting point. Every card is company-owned from day one, not an individually-named default with a company card as the exception. There is no numeric cap on how many cards a business can issue. Card transactions also reclassify directly into supplier bills by rule, rather than relying on a manual reimbursement request for spend that falls outside the card programme.
Businesses weighing everyday banking convenience against dedicated financial operations tooling can see the full comparison in the Fyorin vs Revolut breakdown.
Choosing an alternative is easier when you know which details will affect everyday finance work. Use these criteria to compare apps like Payhawk.
Card ownership model: Check whether cards belong to the company or named employees. Company-owned cards can give finance greater continuity when responsibilities change, while employee-linked cards may suit teams that want spending tied directly to each user.
Pricing transparency: Look beyond the starting price. Confirm whether the provider publishes a complete subscription figure and whether costs rise with cardholders or additional modules.
ERP and accounting integration depth: Make sure the platform connects natively to the systems you already use. Check whether those integrations are included from the start or restricted to an enterprise tier.
Multi-currency support: Review which currencies are available for cards and payments. A business operating internationally should also check how foreign exchange costs are calculated.
Procurement requirements: Decide whether you genuinely need purchase-order workflows. A procurement module can be valuable for formal purchasing processes, but it may add unnecessary steps for a lean finance team focused on cards and expense control.
Payhawk works well for businesses that need structured procurement alongside spend management. It can also suit teams that are comfortable requesting a quote as their requirements develop.
A switch becomes worth considering when the platform no longer fits the way finance operates. You may want predictable subscription costs and company-owned cards. You may also need strong ERP connectivity without adding a broader procurement process.
Consider a 15-person company that grows to 40 employees and opens a second entity. If each new cardholder adds administration, managing cards through named users can become harder to justify. A company-owned model may give finance more flexibility as responsibilities change.
Growth can also mean outgrowing Xero for something like NetSuite. Payhawk's published Growth Program is capped at single-entity businesses under 20 employees, and NetSuite sync is not part of that entry tier, so the switch is likely to push the business off the £149 Growth Program and onto a costlier, quote-only tier instead.
Fyorin is a practical alternative in both scenarios. It offers a flat monthly subscription and company-owned cards from day one. Native ERP integrations are available on every plan, while the platform stays focused on financial operations rather than adding procurement overhead.
Moving away from Payhawk requires planning, but it should not mean rebuilding the finance stack from the ground up. Your ERP or accounting system remains in place. The new platform connects through its own native integration, so the team mainly needs to confirm data mappings and sync rules.
The card model changes more visibly when moving to Fyorin. Instead of transferring employee-named cards, the business issues new company-owned cards and assigns them by purpose. Existing cardholders then move across in planned groups. This creates a clear cut-off date while reducing disruption to everyday spending.
Approval workflows must also be configured in the new platform. Finance should document current approval thresholds and identify the people responsible for each decision. This is a useful opportunity to remove outdated routes rather than copying every rule automatically.
Onboarding typically takes a matter of days, and most businesses are live within weeks. The exact timing will depend on the number of entities and the complexity of the ERP setup. A phased launch may be suitable when several teams are involved.
Before migration begins, export historical transaction data and retain the supporting records. Notify cardholders before their existing cards are closed. Finally, test the ERP sync with live transactions before decommissioning Payhawk.
Running both platforms briefly can make the transition easier. It also gives finance time to check that cards work and approval routes behave as expected before completing the switch.
Fyorin is a strong option for growing teams that need company-owned cards and wider financial operations. It also provides native ERP connectivity on every plan.
Fyorin uses a one-off onboarding fee and a flat monthly subscription. Customers receive one clear figure rather than pricing that changes by module.
Yes. Fyorin issues corporate cards that are company-owned from day one. They are not tied permanently to named employees, giving finance teams more control when responsibilities change.
Fyorin matches Payhawk’s ERP depth with native connections across leading systems. Unlike many tiered platforms, these integrations are available on every Fyorin plan.
Fyorin is designed for financial operations without adding a procurement module. Lean teams can manage cards and expenses without introducing a separate purchasing workflow.
