Payhawk
Spend management and company cards for mid-market European businesses
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Irish Compliance Assessment
1/6Direct connection to Revenue Online Service (ROS) for tax submissions
Real-time payroll reporting to Revenue as required since 2019
EU IBAN issued; SEPA settlement supported for card top-ups and reimbursements. No native AIB/BOI/PTSB bank feed integration.
SEPA XML: None listed
Irish VAT rates auto-detected on receipts
Customer support available during Irish business hours
Overview
Payhawk is a spend management platform headquartered in London with engineering in Sofia, Bulgaria. It combines physical and virtual Visa company cards, expense management, invoice processing, and reimbursement workflows in a single platform. Pricing is quote-based; the Essential plan is publicly cited at around €149 per month. Payhawk is EU-hosted and issues EU IBANs, with SEPA settlement supported for top-ups and reimbursements. VAT amounts are captured and categorised on receipts, supporting multi-rate VAT environments including Ireland's 23%/13.5%/9% structure. Payhawk integrates with Xero, Sage, QuickBooks, NetSuite, and Microsoft Dynamics 365. Account management is London-led with no dedicated Irish support desk. Receipt images stored in Payhawk satisfy Revenue's 6-year digital retention requirement per eBrief 09/15. A strong option for Irish mid-market finance teams that want spend visibility across cards and invoices with tight ERP integration.
Vendors.ie Verdict
Payhawk is a competitive option for Irish mid-market businesses that need spend management integrated tightly with an ERP such as Sage or Microsoft Dynamics. EU hosting and SEPA support mean it maps cleanly onto Irish banking infrastructure, and the VAT capture engine handles Ireland's multi-rate structure without manual categorisation. Receipt images stored in Payhawk meet Revenue's 6-year digital retention requirement per eBrief 09/15. The quote-only pricing with an Essential tier indicatively around €149 per month positions it above Soldo and Pleo on cost, so it is best justified where the ERP integration depth and approval workflow controls deliver clear time savings for a finance team.
Pros & Cons
Pros
- EU IBAN and SEPA settlement compatible with Irish business bank accounts
- VAT capture handles Ireland's multi-rate receipt scenarios
- Broad ERP integration including Xero, Sage, QuickBooks, and Dynamics 365
- EU data hosting satisfies GDPR data residency requirements
- Real-time spend analytics with configurable approval workflows
Cons
- No published per-user pricing - quote only, Essential from ~€149/mo
- No dedicated Irish or Dublin support desk - London-led account management
- No native AIB/BOI/PTSB bank feed; reconciliation via SEPA top-up
- No free trial - requires sales engagement before evaluation
- No Revenue/ROS integration
Best For
Company Size
Sectors
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Quick Facts
- Starting price
- Contact for pricing
- Free trial
- No
- GDPR residency
- EU
- Revenue integration
- No
- PAYE Modernisation
- No
- Irish support
- No
Alternatives
Verification Notes
Seeded 2026-Q2 from public pricing pages; pending verification via monthly cron.
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