Payhawk and Spenfi 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 Spenfi Reviews
| Payhawk | Spenfi | |
| Trustpilot Review Rating | 4.4 | 3.8 |
| Number of Trustpilot Reviews | 214 | 2 |
| 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 Spenfi Key Details
| Payhawk | Spenfi | |
| Website | Click Here to Visit Payhawk Website | Click Here to Visit Spenfi Website |
| Card Type | VISA | VISA |
| Offers Physical Cards? | Yes | Yes |
| Offers Virtual Cards? | Yes | Yes |
| Offers Prepaid Cards? | No | No |
| Cashback Plans? | Yes | Yes |
| Plans for Freelancers? | No | Yes |
| Plans for Small Business? | Yes | Yes |
| Plans For Medium Business? | Yes | Yes |
| Enterprise Plans? | Yes | Yes |
Payhawk vs Spenfi Cost
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| Payhawk | Spenfi | |
| Free Plan? | No | Yes |
| Free Trial? | No | No |
| Cheapest Plan Price Per Month | Pricing Not On Website | £199.00 |
| Mid Plan Price Per Month | Pricing Not On Website | £399.00 |
| Top Plan Price Per Month | Pricing Not On Website | Free* |
Payhawk vs Spenfi 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
Spenfi Features
Cards
- Virtual and physical Visa cards
- EUR, GBP & USD accounts
- Streamlined expense management
- Invoices, receipts & purchase orders management
- Smart subscriptions management
- Connect 2500+ bank accounts
- Apple Pay, Google Pay
Enterprise
- Virtual and physical Visa cards
- EUR, GBP & USD accounts
- Streamlined expense management
- Invoices, receipts & purchase orders management
- Smart subscriptions management
- Connect 2500+ bank accounts
- Apple Pay, Google Pay
- Pre-accounting OCR in 60+ languages
- Bulk payments
- Reimbursements management
- Smart inbox for receiving documents
- Supplier management
- Customer Success Specialist
Custom
- Virtual and physical Visa cards
- EUR, GBP & USD accounts
- Streamlined expense management
- Invoices, receipts & purchase orders management
- Smart subscriptions management
- Connect 2500+ bank accounts
- Apple Pay, Google Pay
- Pre-accounting OCR in 60+ languages
- Bulk payments
- Reimbursements management
- Smart inbox for receiving documents
- Supplier management
- Customer Success Specialist
- Multi-entity management
- Custom Integrations and APIs
- Dedicated 24/7 Customer Success Specialist
- Online onboarding sessions
Spenfi Accounting Software Integrations
- Xero
- Quickbooks
- Datev
- Exact Online
Payhawk vs Spenfi Features Comparison
| Payhawk | Spenfi | |
| Apple Pay Compatible | Yes | Yes |
| Google Pay Compatible | Yes | Yes |
| Expense Claims | Yes | Yes |
| Expense Reimbursements | Yes | Yes |
| API | Yes | Yes |
| Access Controls/Permissions | Yes | No |
| Reconciliations | Yes | No |
| Approval Process Control | Yes | No |
| Budget Control | Yes | Yes |
| Expense Categorisation | Yes | No |
| Compliance Management | Yes | No |
| Customizable Fields | Yes | No |
| Fraud Detection | Yes | Yes |
| Multi-Currency Cards | Yes | Yes |
| Mileage Tracking | Yes | Yes |
| Mobile Receipt Upload | Yes | Yes |
| Real Time Notifications & Reporting | Yes | Yes |
| Receipt Management | Yes | Yes |
| Spend Control | Yes | Yes |
| Travel Management | Yes | No |
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