Payhawk and 3S Money are two of the leading companies when it comes to expense cards for your UK business. But which one is better?
Below we look at how they compare. From reviews to costs to features we look at all the key things you want to know before making your decision.
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Payhawk vs 3S Money Reviews
| Payhawk | 3S Money | |
| Trustpilot Review Rating | 4.4 | 4.8 |
| Number of Trustpilot Reviews | 214 | 655 |
| iPhone App Rating | 4.6 | No Rating |
| Number of iPhone App Reviews | 133 | No Reviews |
| Android App Rating | 4.4 | No Rating |
| Number of Android App Reviews | 333 | No Reviews |
Payhawk vs 3S Money Key Details
| Payhawk | 3S Money | |
| Website | Click Here to Visit Payhawk Website | Click Here to Visit 3S Money Website |
| Card Type | VISA | No Card Provided |
| Offers Physical Cards? | Yes | No |
| Offers Virtual Cards? | Yes | No |
| Offers Prepaid Cards? | No | No |
| Cashback Plans? | Yes | No |
| Plans for Freelancers? | No | Yes |
| Plans for Small Business? | Yes | Yes |
| Plans For Medium Business? | Yes | Yes |
| Enterprise Plans? | Yes | No |
Payhawk vs 3S Money Cost
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| Payhawk | 3S Money | |
| Free Plan? | No | No |
| Free Trial? | No | No |
| Cheapest Plan Price Per Month | Pricing Not On Website | £244.78 |
| Mid Plan Price Per Month | Pricing Not On Website | Not Applicable |
| Top Plan Price Per Month | Pricing Not On Website | Bespoke |
Payhawk vs 3S Money Features
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Payhawk Features
Premium Cards
- Physical and virtual credit and debit cards
- One-click card issuance and card freezing
- Up to 6x better exchange rates than banks
- EUR and GBP accounts
- Apple Pay
- Google Pay
All-In-One Spend
- Physical and virtual credit and debit cards
- One-click card issuance and card freezing
- Up to 6x better exchange rates than banks
- EUR and GBP accounts
- Apple Pay
- Google Pay
- Local invoice payments and reimbursements
- Pre-accounting OCR in 60+ languages
- Free transfers within SEPA and the UK
- Smart inbox for receipts attachment
- Bulk payments with ‘four eyes’ approval
- Supplier management
- Out-of-pocket cash management for employees without cards
Enterprise
- Physical and virtual credit and debit cards
- One-click card issuance and card freezing
- Up to 6x better exchange rates than banks
- EUR and GBP accounts
- Apple Pay
- Google Pay
- Local invoice payments and reimbursements
- Pre-accounting OCR in 60+ languages
- Free transfers within SEPA and the UK
- Smart inbox for receipts attachment
- Bulk payments with ‘four eyes’ approval
- Supplier management
- Out-of-pocket cash management for employees without cards
- International invoice payments and reimbursements
- Group spend dashboard and workflows
- ERP integration to NetSuite, and Microsoft Dynamics
- Single sign-on with SAML
- Customer Success Specialist
- Online onboarding session
- Success-based onboarding flow
Payhawk Accounting Software Integrations
- Xero
- QuickBooks
- Datev
- Exact Online
3S Money Features
Standard International
- Suitable for: Importers, exporters, manufacturers, professional service providers and e-commerce businesses
No Mid-Tier Plan
Not Applicable
Bespoke International
- Suitable for: Businesses with complex structures, holding companies, family offices, asset managers and investments funds
3S Money Accounting Software Integrations
- Xero
Payhawk vs 3S Money Features Comparison
| Payhawk | 3S Money | |
| Apple Pay Compatible | Yes | Yes |
| Google Pay Compatible | Yes | Yes |
| Expense Claims | Yes | No |
| Expense Reimbursements | Yes | No |
| API | Yes | Yes |
| Access Controls/Permissions | Yes | No |
| Reconciliations | Yes | No |
| Approval Process Control | Yes | No |
| Budget Control | Yes | No |
| Expense Categorisation | Yes | No |
| Compliance Management | Yes | Yes |
| Customizable Fields | Yes | No |
| Fraud Detection | Yes | Yes |
| Multi-Currency Cards | Yes | Yes |
| Mileage Tracking | Yes | No |
| Mobile Receipt Upload | Yes | No |
| Real Time Notifications & Reporting | Yes | Yes |
| Receipt Management | Yes | No |
| Spend Control | Yes | No |
| Travel Management | Yes | No |
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