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


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

Payhawk and Mesh 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 HomepageMesh Homepage
 

Payhawk vs Mesh Reviews

PayhawkMesh
Trustpilot Review Rating 4.42.6
Number of Trustpilot Reviews2145
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 Mesh Key Details

PayhawkMesh
WebsiteClick Here to Visit Payhawk WebsiteClick Here to Visit Mesh Website
Card TypeVISAVISA
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 Mesh Cost

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

Payhawk vs Mesh Features

Payhawk FeaturesMesh 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

Mesh Features

Standard

No Features Listed On Website

No Mid-Tier Plan

Not Applicable

Not Top Plan

Not Applicable

Mesh Accounting Software Integrations

  • Xero
  • NetSuite
  • Quickbooks
  • Sage

Payhawk vs Mesh Features Comparison

PayhawkMesh
Apple Pay CompatibleYesYes
Google Pay CompatibleYesYes
Expense ClaimsYesYes
Expense ReimbursementsYesYes
APIYesYes
Access Controls/PermissionsYesYes
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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