Airwallex vs Payhawk
Choose Airwallex if you need to collect customer payments, hold multiple currencies, and manage company spending in one platform; choose Payhawk if your priority is controlling card expenses, bills, and procurement across finance teams. Both offer corporate cards, reimbursements, bill payments, and accounting integrations, but their published plans emphasize different workflows.
Last updated October 27, 2026.
At a glance
| Dimension | Airwallex | Payhawk |
|---|---|---|
| Starting price | Explore: $0 for up to 10 Spend users; Grow: $12 per user/month plus a platform fee | Cards & Expenses: from $449/month; Accounts Payable: from $349/month |
| Plan structure | Explore, Grow, and custom-priced Accelerate | Separate modules or Payhawk Complete; pricing varies by usage and add-ons |
| Currency accounts | Collect and hold 20+ currencies | Dedicated accounts in USD, EUR, and GBP |
| Customer payment acceptance | Online cards and local payment methods | Not published |
| International transfers | Local transfers to 120+ countries; SWIFT to 200+ | Supplier payments and cross-border payments |
| Existing corporate cards | Not published | Connect existing card programs; optional Payhawk Visa cards |
| Procurement | Purchase requests and orders on Grow; three-way matching on Accelerate | Procurement module from $499/month with purchase orders and three-way matching |
| Accounting integrations | Xero and QuickBooks; NetSuite and Dynamics 365 Business Central on Grow | Xero and QuickBooks Online; native ERP integrations available as add-ons |
| User limits | Up to 10 free Spend users on Explore; up to 250 on Grow | Unlimited employee seats; admin and accountant seats affect pricing |
| Multi-entity management | Global Entity Management on Accelerate | Multi-entity environment; additional entities as add-ons |
| Platforms | Web app; iOS and Android expense app | Desktop; iOS and Android mobile app |
| Support | Help center and email; dedicated account manager on Accelerate | Live chat, email, help center, and implementation support |
Scroll the table sideways to compare each row.
Which should you choose?
Choose Airwallex if
- Businesses collecting customer payments internationally
- Teams that need accounts holding 20+ currencies
- Small teams seeking up to 10 free Spend users
- Companies combining billing, transfers, cards, and expenses
Choose Payhawk if
- Finance teams managing existing corporate card programs
- Businesses seeking a dedicated procurement module
- Teams combining expense, bill, and travel workflows
- Organizations needing multi-entity spend controls
The verdict
Airwallex is the better fit when receiving international revenue and moving money globally matter alongside expense management, especially if a small team can use its free Explore plan. Payhawk is the better fit when the deciding factor is a modular spend-management setup for existing cards, accounts payable, procurement, and travel. Compare the specific modules and transaction fees you need rather than treating either starting price as the cost of a complete setup.
Airwallex vs Payhawk: common questions
- Is this comparison worth publishing?
- Yes. Airwallex and Payhawk both offer purchasable corporate card, expense, and bill-payment products. They compete for spend-management buyers, although Airwallex also emphasizes customer payments and global accounts while Payhawk offers separate procurement and travel modules.
- Does Airwallex have a free plan that includes expense management?
- Yes. Airwallex Explore includes expense management, reimbursements, corporate cards, and bill pay for up to 10 free Spend users. Transaction fees can still apply.
- How much does Payhawk cost for cards and expenses?
- Payhawk lists Cards & Expenses starting at $449 per month in the United States. Its final price depends on selected modules, add-ons, admin and accountant seats, cards, and transaction volume.
- Can either product manage an existing corporate card program?
- Payhawk says its Cards & Expenses module can connect an existing credit card program. Airwallex publishes details about issuing its own corporate cards but does not state an equivalent existing-card connection on its US pricing page.
- Which is better for receiving customer payments?
- Airwallex is the clearer fit: it publishes online payment acceptance, invoicing, subscription billing, and accounts that collect and hold 20+ currencies. Payhawk does not publish comparable customer payment acceptance in its US plans.
- Which is better for purchase orders and three-way matching?
- Both publish these capabilities. Airwallex includes purchase orders on Grow and three-way matching on Accelerate; Payhawk offers a Procurement module starting at $499 per month with purchase orders and three-way matching.
- Do Airwallex and Payhawk integrate with accounting software?
- Yes. Both publish Xero and QuickBooks integrations. Airwallex lists NetSuite and Dynamics 365 Business Central on Grow; Payhawk offers native ERP integrations as add-ons.
- Do Airwallex and Payhawk support multiple entities?
- Yes, with different packaging. Airwallex lists Global Entity Management on its custom-priced Accelerate plan. Payhawk lists a multi-entity environment among its platform features and offers additional entities as add-ons.