Payhawk vs Qonto

SAP Concur

Abby

Spendesk

Ramp

Pleo

Revolut Business

Compare Payhawk and Qonto based on features, pricing, verified reviews, integrations & more on GetApp. Find out which software is best for your business in 2026.

webexpenses

Webexpenses provides simple, intuitive cloud-based software for smarter expense management and invoice processing, with full support and seamless integration.

SAP Concur is a leading cloud-based spend management solution that helps small, medium, and large businesses automate and simplify expense reporting, travel booking, and invoice processing. It’s designed to give organizations better control over their business spend by integrating near real-time data and using AI to audit 100% of transactions.

Expensify

Expensify is an expense management platform that automates receipt scanning, expense tracking, and employee reimbursements. The software includes features such as corporate card management, travel booking capabilities, and integration with accounting systems including QuickBooks, NetSuite, Sage Intacct, and Xero. Expensify offers global reimbursement processing and allows organizations to link existing corporate cards from banks worldwide.

Payhawk's expense management solution enables you to control employee spend, reimburse mileage and per diem claims and out-of-pocket spend from a single tool.

Access Controls/Permissions

Accounting

Accounting Integration

Accounts Payable

ACH Payment Processing

Activity Dashboard

Activity Tracking

Alerts/Notifications

Approval Process Control

Approval Workflow

Audit Trail

Bank Reconciliation

Bookkeeping Services Integration

Budgeting/Forecasting

Built-in Accounting

Cash Flow Management

Cash Management

Categorization/Grouping

Configurable Workflow

Corporate Card

Credit Card Management

Credit Card Processing

Customizable Fields

Customizable Templates

Dashboard

Data Collection

Data Import/Export

Document Management

Document Storage

Duplicate Payment Alert

Electronic Funds Transfer

Electronic Payments

Emissions Monitoring

Employee Management

Environmental Compliance

ERP integration

Expense Claims

Expense Tracking

Financial Analysis

Financial Management

Financial Reporting

Framework Management

Fraud Detection

Invoice Management

Invoice Processing

Mileage Tracking

Mobile Access

Mobile App

Mobile Receipt Upload

Multi-Channel Data Collection

Multi-Company

Multi-Currency

Multi-Language

Online Booking

Payment Reconciliation

Policy Management

Prepaid Cards

Procurement Management

Purchase Order Management

QuickBooks Integration

Real-Time Analytics

Real-Time Data

Real-Time Notifications

Real-Time Reporting

Real-Time Updates

Receipt Management

Recurring Payments

Reimbursement Management

Reminders

Reporting/Analytics

Reporting & Statistics

Requisition Management

Role-Based Permissions

Rules-Based Workflow

Sales Tax Management

Secure Data Storage

Self-Service Reporting

Single Sign On

Spend Analysis

Spend Control

Spend Management

Supplier Management

Tax Management

Third-Party Integrations

Timer

Vendor Management

Workflow Management

The Payhawk integration most frequently cited by reviewers is Xero, an accounting product rated 4.8 out of 5 for its integration with Payhawk.

Integrations

Reviews for Payhawk come from a wide variety of industries, including computer software (8% of reviewers), information technology and services (8%), and marketing and advertising (7%). The most frequent use case for Payhawk cited by reviewers is expense report management (54% of reviewers).

Payhawk

Android

Web-based

iPad

iPhone

Premium Cards

All-in-one Spend

Enterprise 

Financial Controller

No USD bank to bank transfers yet, sometimes there are bugs with integrations. When they update cards - theres no easy way to move subscriptions.

VP of Sales

All-in-One Expense Management – Combines company cards, reimbursements, and invoice management in a single platform.

Search engineer

When I get a refund (e.g. a lost package from Amazon), I still have to upload the refund invoice even though the transfer to the card already contains all the information.

Marketing and Sales Operations Associate

The receipt scanning and approval workflows also streamline our processes, saving time on reimbursements and reconciliation.

Senior Linux Sysadmin

Adding identical invoice once a month requires me to fill up the same fields - this could be automated or at least provide some suggestions based on previous months

Credit Controller

Sometimes no contact phoen number can be frustrating however the speed of email replies and the live chat certainly makes up for this

Gives full transparency of a process: I have ability to see payment status, names of people task is assigned to etc

Finance and Accounts Admin Officer

An expense settled picks up the Supplier name in the invoice as default which ideally should be Payhawk.

Owner

What I like most about Payhawk Is that it easily automates my spending invoicing, and Bill pay.

Sales Administrator

The ability to place limits on cards and introduce spendature policies for different team members.

Finance and Admin Assistant

Would be great to have reimbursement requests go directly to a separate tab as they can get lost

Account Manager

I love how Simple & Instant Payhawk is in processing and to be able to see the history of my transactions in a clear, simplistic view.

Backend Engineer

The platform is incredibly user-friendly, and the real-time tracking feature helps maintain full control over company spending.

Finance Manager

The ability to have virtual cards means that new starters aren't having to submit expense claims any more.

I would have preferred the ability for a 'pocket function' to allow employees to pay back money that is outside company policies.

Head of Finance

Approval workflows are a bit clunky, receipt match is not very good (probably get a 50% match rate)

Seamless Integrations – Connects easily with accounting tools like Xero, QuickBooks, and NetSuite.

Real-Time Spend Tracking – Provides visibility and control over company expenses.

Cost Controller

What I like most is that Payhawk helps me to control the expenses and have a better view of them as I can create and download reports and be able to include all the information I need.

Head of Financial Reporting

We have built great controls with Payhawk to ensure that the burden of travel administration falls onto each employee and not the finance team. As there are late receipt system controls in place, this means that employees have to comply with receipt deadlines without it being policed by the finance team.

Chat coordinator

Even when adding suppliers to the list of suppliers it still adjust every-time you add a new purchase from the same supplier. When you are thus not focussed on adjusting this you end up with a great amount of supplier accounts for the same supplier (for example 5 versions of the a realtor supplier)-

Integrator

Great support and user interface and workflows, it saves us a lot of time

It is easy to handle to all the receipts and invoices and centralize everything in one single space in a user-friendly dashboard.

I love that I can add my company card to Google Pay, which makes payments more convenient.

The receipt scanner could be more accurate and responsive when capturing details.

expenses are so much more manageable and easy to track and track any issues and overall spenditure.

Head of Sales and Marketing

The approvals are pretty much instant and super handy to have the credit card linked with it also.

Feature Gaps – Missing integrations or specific functionalities that users need.

Payhawk is intuitive and streamlines our expense management workflows.

FINANCIAL ANALYST

Payhawk simplifies expense management, saving us time and effort.

Operations Director

A great upgrade on our previous tools and processes, on-boarding was also simple to understand and allowed us to make the most of it from day one.

Associate Water Engineering

I cannot edit an expense once submitted if I notice a mistake.

People Operations

Very intuitive and easy to use interface on desktop and mobile with lots of options for customization fitting your business needs.  

Director of Operations

I like the tool to ameliorate the photos of the receipt.

Education director

Love the ability to picture reciepts direct to the expense.

Even though it could be better, the auto-classification of the purchases saves time.

Would be nice to be able to hide some of the payment categories depending on users.

Bachelor in Supply Chain Management

I like everything, however the customer service can take a while to respond, that's the only thing wrong.

Full-stack developer

Creating expenses is a quick process, so us users can go straight to the point.

Client Liaison Manager

Payhawk is usually quite reliable in terms of connectivity but i do like the easy on the eye format the most.

Financial Administrator

export system, doesnt always automatically link payments to exact

Operations Coordinator

Mostly i use it for work and compared with what i was using before, Payhawk has a better intuitive user approach.

Administrative Assistant

What I liked least about Payhawk is that it can feel overwhelming for smaller businesses.

Sr. Financial Analyst

Lots of setting functionalities for all sorts of use cases

easy to use, great for a business, really ideal payment solution, the reimbursement feature is nice to have

Financial Accountant

Sometimes there are issues with receiving fund to the account, but these are always quickly resolved

People, Culture & Office Manager 

Payhawk gives our employees the perfect about of spending freedom but also makes everyone accountable for their own expenses and invoice processing.

Delays allowed to upload the receipts are relatively short.

I like that multiple languages are available, making it easy to communicate with everyone easily.

Payhawk vs Qonto Comparison (2026)

Payhawk

Qonto

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives