Payhawk — Spend management suite: corporate cards, expenses, accounts payable, procurement and travel with AI agents, for scale-ups and enterprises.. Pricing model: Modular subscription per product + add-ons; interchange on cards. Value metric: Modules chosen, admin/accountant seats, cards and transaction volume (unlimited employee seats).
At a glance
| Company | Payhawk |
|---|---|
| What it does | Spend management suite: corporate cards, expenses, accounts payable, procurement and travel with AI agents, for scale-ups and enterprises. |
| Headquarters | London, UK (founded in Sofia, Bulgaria) |
| Pricing model | Modular subscription per product + add-ons; interchange on cards |
| Value metric | Modules chosen, admin/accountant seats, cards and transaction volume (unlimited employee seats) |
| Pricing page | payhawk.com/en-us/pricing |
Plans and prices
Travel from $299/mo; Accounts Payable from $349/mo; Cards & Expenses from $449/mo; Procurement from $499/mo; Payhawk Complete (bundle + AI agents) by demo; add-ons (credit line, ERP, entities). No implementation fee, no free tier.
Growth milestones
Payhawk appears in our analysis of 2026's $100M ARR class. Figures are company-reported unless stated.
- 2026-07-08: Reached $100M ARR (from $1M five years earlier); new business +159% YoY in June; burn multiple 1.2x; AEs at 139% quota (CEO Hristo Borisov, LinkedIn). (source)
How it grows
Sales-led into mid-market and enterprise across Europe; modular land-and-expand across finance workflows; integrations with ERPs; country-by-country expansion (Benelux, France, Spain, UK).
What you can steal
land and expand
Sell modules separately with public 'from' prices, then bundle: customers land on one pain point and adopt the suite.
pricing model
Don't charge for the many casual users (unlimited employee seats); charge for the few admins and the volume of work.
churn & retention
Waive implementation fees to reduce first-year friction; integrations into the ERP then keep customers in.
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Robert Coorey, MBA
Robert is the author of The Subscription Playbook and Feed a Starving Crowd and a Director at BPAG Accountants in Sydney. More about Robert.