Payhawk
EU spend management platform — corporate cards, expenses, and AP automation
- Data residency
- EU only
- DPA available
- Yes
- Pricing
- Subscription
- Art. 9 data
- Not suitable
Who this tool is for
Industries
- EU companies needing corporate cards
- Finance teams automating accounts payable
- Businesses consolidating employee expenses
- DACH firms wanting EU-regulated spend control
Payhawk is an EU spend management platform combining corporate Visa cards, expense management, and accounts-payable automation for European companies. It is registered in Bulgaria within the EU and operates as an EBA-licensed e-money institution.
Data residency is in the EU and a GDPR DPA is available. For DACH finance teams that want corporate cards, employee expenses, and AP automation in a single EU-regulated platform, Payhawk consolidates spend control without relying on a non-EU card issuer.
Pros and cons
Strengths
- Corporate Visa cards plus expense management
- Accounts-payable automation included
- EBA-licensed e-money institution
- EU registration in Bulgaria
- GDPR DPA available
Trade-offs
- No free tier available
- Not a full accounting system
- Not suitable for special-category (Art. 9) data
Where it sits with GDPR
Good fit for
- Keeping spend data within EU residency
- Working with an EBA-licensed EU institution
- Signing the available GDPR DPA
Think twice / not suitable for
- Processing special-category personal data (Art. 9)
- Use cases requiring German-only data residency
Data protection note
EBA-lizenziertes E-Geld-Institut; EU-Registrierung Bulgarien; DSGVO-DPA inklusive.
Frequently asked questions
Is Payhawk an EU company?
Yes, Payhawk is registered in Bulgaria within the EU.
Is Payhawk a licensed financial institution?
Yes, Payhawk is an EBA-licensed e-money institution.
What does Payhawk include?
It combines corporate Visa cards, expense management, and AP automation.
Does Payhawk offer a GDPR DPA?
Yes, a GDPR DPA is available and data residency is in the EU.
Reviews are written and reviewed by Eduardo personally. They describe what a tool does and where it sits with data protection, but they do not constitute legal advice.