Payhawk vs Fyorin
Compare Fyorin and Payhawk for cards, expense management, and financial operations.
Fyorin extends beyond Payhawk's offering with company-owned cards, automated cost recharging across entities, and real treasury capability, alongside direct access to a network of Tier 1 financial institutions for growing, multi-entity businesses.
About Payhawk
Payhawk is a European spend management platform offering corporate cards, expense management, and invoice processing, including genuine accounts payable with direct payment execution. Cards are issued in 32+ currencies with configurable limits, and OCR handles receipt scanning across 60+ languages. Payhawk supports both debit and credit cards for UK/EEA companies, with a credit-line application required only for the credit option. ERP integrations, including NetSuite and Microsoft Dynamics, are available as paid add-ons.
About Fyorin
Fyorin is a next-generation unified financial operations platform giving growing businesses direct access to a network of Tier 1 financial institutions, alongside cards, expense management, payables, receivables, and real treasury, cash pooling, FX hedging, liquidity diversification. All in one login. Cards are company-owned from day one, issued without limit, and expenses reconcile automatically against the same ledger payables and receivables already use.
Payhawk vs. Fyorin Feature Comparison
Company-owned cards | ||
Virtual & Physical Cards | ||
High initial limit for card spend | ||
Unlimited card issuance | ||
Cash rebate on card spend | * | |
Dedicated Merchant Cards | ||
Flexible linking of virtual and physical cards | ||
Expense Management | ||
Reimbursements | ||
Automatic card-to-bill reclassification | ||
Cost recharging across entities | ||
ERP integration | ** | |
Multi-entity management | *** | |
In-platform payment execution | ||
Automated payables | *** | |
API capabilities | ||
* Capped at subscription fee, requires annual contract
** Advanced ERP integrations (NetSuite, Dynamics) available as paid add-on
*** Covers payables and expenses; doesn't extend to treasury or receivables
*** No accounts receivable capability
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Why Choose Fyorin Over Payhawk?
Company-Owned Cards, Not Employee-Linked
Payhawk cards are issued to named employees. Fyorin's belong to the business from the start, so nothing needs reissuing when someone changes role or leaves, and finance keeps control regardless of who was holding the card.
No Seat Count Deciding What's Possible
Payhawk doesn't publish a numeric card cap, but card functionality and pricing scale by subscription tier as a company grows. Fyorin issues unlimited virtual and physical cards at any tier, with high default limits (over €200,000) and dynamic issuance via API, and multiple virtual cards can link to a single physical card for on-the-go flexibility.
Cashback, Uncapped and Unconditional
Payhawk's cashback is capped at your monthly subscription fee and requires a yearly contract to qualify. Fyorin pays uncapped cashback automatically on every card, with 0% transaction fees, no annual commitment required. Discover network cards also remove the surcharges airlines apply to Visa and Mastercard payments.
Card Spend That Becomes Accurate Books, Automatically
Certain categories, or spend from a tagged card, like software subscriptions, reclassify automatically in Fyorin into supplier bills instead of staying logged as expenses, invoice fetched, payment reconciled, posted to your ERP correctly the first time. Payhawk offers no equivalent to this.
Costs Reallocated the Moment They're Submitted
Payhawk's multi-entity setup routes documents to the right entity but has no mechanism to split and reallocate a single cost across entities. Fyorin recharges a cost across entities or departments as soon as it's submitted, employees flag the split, and it posts straight to each entity's ledger, no exports, no spreadsheets, no separate month-end process.
Real Treasury, Not Just Multi-Entity Visibility
Payhawk's multi-entity support covers payables and expenses. Fyorin adds cash pooling, FX hedging, and liquidity diversified across a network of institutions, giving finance leaders full visibility and control across cash and spend together, not spend alone.
Payables and Receivables, Not Just One Side of the Ledger
Payhawk executes payments directly, a genuine strength. Fyorin matches that and adds accounts receivable, invoicing, multi-currency collection, and automatic reconciliation into sub-accounts, completing the picture rather than leaving collections as a separate problem.
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Complete financial operations. One login.
Where Spending & AR meet cash.
