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


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

Payhawk and Emburse 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 HomepageEmburse Homepage
 

Payhawk vs Emburse Reviews

PayhawkEmburse
Trustpilot Review Rating 4.4No Rating
Number of Trustpilot Reviews214No Reviews
iPhone App Rating4.6No Rating
Number of iPhone App Reviews133No Reviews
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 Emburse Key Details

PayhawkEmburse
WebsiteClick Here to Visit Payhawk WebsiteClick Here to Visit Emburse Website
Card TypeVISAMastercard
Offers Physical Cards?YesYes
Offers Virtual Cards?YesYes
Offers Prepaid Cards?NoYes
Cashback Plans?YesYes
Plans for Freelancers?NoNo
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesYes

Payhawk vs Emburse Cost

Payhawk PricingEmburse Pricing
PayhawkEmburse
Free Plan?NoYes
Free Trial?NoNo
Cheapest Plan Price Per MonthPricing Not On WebsiteFree
Mid Plan Price Per MonthPricing Not On WebsiteFree
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 Emburse Features

Payhawk FeaturesEmburse 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

Emburse Features

Starter

  • For up to 10 employees

Business

  • For 10-100 employees

Enterprise

  • For more than 100 employees

Emburse Accounting Software Integrations

  • NetSuite
  • Ryvit
  • Sage

Payhawk vs Emburse Features Comparison

PayhawkEmburse
Apple Pay CompatibleYesYes
Google Pay CompatibleYesYes
Expense ClaimsYesYes
Expense ReimbursementsYesYes
APIYesYes
Access Controls/PermissionsYesYes
ReconciliationsYesYes
Approval Process ControlYesYes
Budget ControlYesYes
Expense CategorisationYesYes
Compliance ManagementYesYes
Customizable Fields YesNo
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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