Brex vs Payhawk
Brex
Startups, mid-sized companies and global enterprises; also scaled companies and ecommerce brands
San Francisco; founding year not published
Payhawk
Mid-market and enterprise companies managing spend across teams, entities and borders
2018; London
Brex and Payhawk both combine corporate cards, expense management and bill payments in one spend platform.
Brex, based in San Francisco and owned by Capital One, serves 35,000+ companies from startups to global enterprises; Payhawk, founded in London in 2018, serves 6,000+ mid-market and enterprise companies with customers in 33+ countries.
Brex vs Payhawk: side by side
“Not published” means the vendor does not state it.
| Brex | Payhawk | |
|---|---|---|
| What it does | Corporate cards, business banking and treasury, expense management, bill pay, travel and accounting automation | Corporate cards, expenses, travel, accounts payable and procurement in one platform, with AI agents and global payments |
| Best for | Startups, mid-sized companies and global enterprises; also scaled companies and ecommerce brands | Mid-market and enterprise companies managing spend across teams, entities and borders |
| Founded and HQ | San Francisco; founding year not published | 2018; London |
| Ownership and funding | Wholly owned subsidiary of Capital One; CEO Pedro Franceschi | Investors include Greenoaks, QED, Bek Ventures, Eleven Ventures and Lightspeed |
| Customers or users | 35,000+ companies | 6,000+ companies, including DPD, Gymshark, Vinted, Leica, Five Guys and Babbel |
| Pricing | Essentials free; Premium US$12 per user a month; Enterprise on quote | Priced by module; US prices start at US$299 a month (Travel), US$349 (Accounts Payable), US$449 (Cards & Expenses) and US$499 (Procurement); Payhawk Complete on quote |
| Deployment and markets | Available in 120+ countries; local-currency cards in 50+ countries; multi-entity (US and international) from Premium | Customers in 33+ countries; 150+ countries and 115 currencies supported; offices across Europe and the US |
Main differences
Brex is a wholly owned subsidiary of Capital One; Payhawk is venture-backed, with investors including Greenoaks, QED and Lightspeed.
Brex has a free Essentials plan and Premium at US$12 per user a month; Payhawk prices by module, from US$299 a month for Travel to US$499 for Procurement, with unlimited employee seats on every plan.
Brex adds business banking and treasury to cards, expenses, bill pay and travel; Payhawk adds procurement and AI agents for finance control, travel, payments and implementation.
Brex is available in 120+ countries, with local-currency cards in 50+; Payhawk supports 150+ countries and 115 currencies, with offices across Europe and the US.
Which to choose
Choose Brex if
- You want a free entry plan, business banking alongside your cards, or a provider owned by a bank
Choose Payhawk if
- You are a mid-market or enterprise group that wants procurement and AI agents, with unlimited seats priced by module
Compare further
Common questions
What is the difference between Brex and Payhawk?+
Brex offers corporate cards, business banking and treasury, expense management, bill pay, travel and accounting automation. Payhawk offers corporate cards, expenses, travel, accounts payable and procurement in one platform, with AI agents and global payments.
How much do Brex and Payhawk cost?+
Brex Essentials is free, Premium costs US$12 per user a month and Enterprise is priced on quote. Payhawk prices by module: US prices start at US$299 a month for Travel, US$349 for Accounts Payable, US$449 for Cards & Expenses and US$499 for Procurement, with Payhawk Complete on quote.
Who owns Brex and Payhawk?+
Brex is a wholly owned subsidiary of Capital One, with Pedro Franceschi as CEO. Payhawk, founded in London in 2018 and led by co-founder and CEO Hristo Borisov, is backed by investors including Greenoaks, QED, Bek Ventures, Eleven Ventures and Lightspeed.
Part of Accountio’s accounting technology coverage.
