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Payhawk vs Capture Expense: Which Is The Better Company Expense Card?


Last Updated: 20 May 2025
Reviewed By: Ian Wright (Managing Director)

Payhawk and Capture Expense 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.

Payhawk HomepageCapture Expense Homepage
 

Payhawk vs Capture Expense Reviews

PayhawkCapture Expense
Trustpilot Review Rating 4.4No Rating
Number of Trustpilot Reviews214No Reviews
iPhone App Rating4.65
Number of iPhone App Reviews1332
Android App Rating4.4No Rating
Number of Android App Reviews333No Reviews
Note these figures we’re taken from each company’s website and may have changed since publication

Payhawk vs Capture Expense Key Details

PayhawkCapture Expense
WebsiteClick Here to Visit Payhawk WebsiteClick Here to Visit Capture Expense Website
Card TypeVISANo Card Provided
Offers Physical Cards?YesNo
Offers Virtual Cards?YesNo
Offers Prepaid Cards?NoNo
Cashback Plans?YesNo
Plans for Freelancers?NoNo
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesYes

Payhawk vs Capture Expense Cost

Payhawk PricingCapture Expense Pricing
PayhawkCapture Expense
Free Plan?NoNo
Free Trial?NoYes
Cheapest Plan Price Per MonthPricing Not On Website£6.00
Mid Plan Price Per MonthPricing Not On WebsiteNot Applicable
Top Plan Price Per MonthPricing Not On WebsiteCustom
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

Payhawk vs Capture Expense Features

Payhawk FeaturesCapture Expense Features

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

Capture Expense Features

Business

  • Mileage calculator
  • Receipt inbox
  • Receipt scanning
  • Advanced approval
  • Multi-currency
  • Smart scanning
  • Card reconciliation
  • Project tracking

No Mid-Tier Plan

Not Applicable

Enterprise

  • Mileage calculator
  • Receipt inbox
  • Receipt scanning
  • Advanced approval
  • Multi-currency
  • Smart scanning
  • Card reconciliation
  • Project tracking
  • Single sign-on
  • ERP integration
  • Dedicated account manager
  • Open banking
  • Advanced reporting
  • Linked organisations

Capture Expense Accounting Software Integrations

  • Zynk
  • Xero
  • QuickBooks
  • Sage
  • Sap
  • Epicor
  • Oracle

Payhawk vs Capture Expense Features Comparison

PayhawkCapture Expense
Apple Pay CompatibleYesNo
Google Pay CompatibleYesNo
Expense ClaimsYesYes
Expense ReimbursementsYesYes
APIYesYes
Access Controls/PermissionsYesNo
ReconciliationsYesYes
Approval Process ControlYesYes
Budget ControlYesYes
Expense CategorisationYesNo
Compliance ManagementYesYes
Customizable Fields YesYes
Fraud DetectionYesYes
Multi-Currency CardsYesYes
Mileage TrackingYesYes
Mobile Receipt UploadYesYes
Real Time Notifications & ReportingYesYes
Receipt ManagementYesYes
Spend ControlYesYes
Travel Management YesYes

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Disclaimer: Businessfinancing.co.uk is a business finance and lending research and information website publisher. We are not a lender, bank, broker and/or other financial institution and as such we are not authorised or regulated by the FCA to offer financial advice. We can't recommend any of the products and/or services featured on the site. Companies are ranked in no particular order and higher ranking does not imply one company is better than another. We work with FCA authorised and regulated firms who may pay us a commission for referring you to them but this has no impact on our content and helps keep this website free to use.



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