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Side-by-side record

Payhawk vs. Vend

A side-by-side view of the product records we have today. Use it to narrow the question, then confirm current pricing, limits, and security details with each vendor.

The short version

Vend starts at $119 per seat, versus Payhawk at £149. Vend carries the higher aggregate rating (9.4/5 vs 4.6/5).

Full comparison

Payhawkfrom £149 per month (Growth plan: 10 cards + 10 seats); higher tiers by custom quote
Vendfrom $119 per month
Audyense Score78ASStrong29AS*Low
PositioningSpend management combining corporate cards, expenses, and accounts payable in one platformCloud-based point-of-sale and retail management platform Vend is designed to help retailers manage their inventory.
Free tierNoYes
DeploymentCloud / SaaSCloud / SaaS
Best fitMid-market, EnterpriseStartup, SMB, Mid-market
Pricing plans
  • Growth£149
  • Custom / ScaleFree
  • Free or entry planFree
  • Higher tiersCustom pricing
Financial reportingPartialReal-time dashboards and budget tracking; reviewers note limited advanced report customization—
AI featuresYesAI extracts receipt data and automates expense coding—
Public APIYesDeveloper APIs available for integrations—
Multi-currencyYesSupports GBP, EUR, USD with per-entity currency balances—
Bank reconciliationYesTransactions auto-coded and reconciled into system of record—
Invoicing & billingPartialHandles supplier invoices/bill pay, not customer-facing invoicing/billing—
General ledger & accountingYesNative two-way sync to ERPs/GL (NetSuite, SAP, Dynamics, Xero, QuickBooks)—
Expense managementYesCore capability with real-time tracking and reimbursements—
Accounts payable & bill payYesBill Pay module for AP and invoice management—
Corporate cardsYesPhysical and virtual Visa cards as FCA-regulated e-money institution—
Web-based or iPad POS—YesDocumented in the independently researched profile.
Customer Management—YesDocumented in the independently researched profile.
Inventory management—YesDocumented in the independently researched profile.
eCommerce Capability—YesDocumented in the independently researched profile.
Vend Reporting—YesDocumented in the independently researched profile.
Payment processing—YesDocumented in the independently researched profile.
Work Offline—YesDocumented in the independently researched profile.
Fast Staff Training—YesDocumented in the independently researched profile.
Discounts and Notes—YesDocumented in the independently researched profile.
Custom Receipts—YesDocumented in the independently researched profile.
Cash Management—YesDocumented in the independently researched profile.
Returns—YesDocumented in the independently researched profile.
Refunds—YesDocumented in the independently researched profile.
and Store Credits—YesDocumented in the independently researched profile.
Integrations verified50+—
Aggregate rating4.6 · 852 reviews9.4 · No reviews yet
Integrations
NetSuiteXeroQuickBooksSage IntacctSage 50Microsoft Dynamics 365 Business Central+10 more
—
Security & compliance
SOC 2ISO 27001PCI DSSGDPR
—
Pros
  • Intuitive, user-friendly interface across web and mobile
  • Automated receipt scanning and AI expense coding reduce manual data entry
  • Deep two-way ERP and accounting integrations with automatic reconciliation
  • Real-time card controls, spend limits, and budget tracking
  • Independent review documents a concrete business workflow
  • Documented capability: Web-based or iPad POS
  • Documented capability: Customer Management
  • Documented capability: Inventory Management
  • Documented capability: eCommerce Capability
Cons
  • Receipt scanner accuracy and occasional transaction/sync delays
  • Approval workflows can feel rigid and overly strict
  • Opaque pricing requiring sales contact; some mid-contract price-increase complaints
  • Complex, lengthy onboarding and KYB/entity verification
  • Pricing and usage limits should be checked against the exact plan
  • Implementation effort depends on the team's data and process maturity
  • Reported outcomes should be validated with the buyer's own data
Visit Payhawk ↗Visit Vend ↗

Editorial read of this comparison

The table summarizes structured facts; this section explains what the differences mean for a real buying decision.

Where each tool fits, and where it may not

Payhawk

Payhawk is a spend management platform that unifies company Visa cards, expense management, accounts payable, and reimbursements with two-way sync to ERP and accounting systems. It is an FCA-regulated e-money institution aimed at mid-market and enterprise finance teams, with AI-powered receipt capture and expense coding. The product spans corporate cards, bill pay, procure-to-pay, and multi-entity controls.

A particularly good fit for: Mid-market and enterprise finance teams (50+ employees) needing unified spend control Multi-entity, multi-currency groups requiring subsidiary-level visibility and controls Companies wanting corporate cards and expenses that sync directly into their ERP

May be a poor fit if: Small businesses, sole traders, or teams under ~50 employees UK-only companies needing only basic cards plus a simple accounting export

Vend

Cloud-based point-of-sale and retail management platform Vend is designed to help retailers manage their inventory. It allows users to operate their businesses online, in-store and even while on the go. Vend’s core functionalities revolve around inventory management, customer loyalty, eCommerce and analytics. The system, which is built to run on iPad is popular among businesses for its flexibility, able to support mouse, keyboard and touchscreen systems. It can boost product management, track and organize customer data while dashboards provide clear views of products and sales. The solution is highly-customizable, with the POS screen easily modified so as to be able to access key items and processes. It is designed to run with existing business systems, equipment and hardware, which include barcode scanners, receipt printers and cash drawers. Vend is easy-to-use, all that is needed is a web browser on any device. It is quite flexible and can be used in other businesses such as food service. This highly scalable solution can grow with businesses. Premium functionalities are also available as the vendor offers value-added options.

A particularly good fit for: B2B teams evaluating finance and accounting software Teams that need documented workflow capabilities and fit guidance Organizations willing to validate implementation and plan limits

May be a poor fit if: Teams seeking a workflow outside the product's documented focus Teams needing unlimited usage without plan limits

Pricing and plan structure

Payhawk: Published starting price £149 per month (Growth plan: 10 cards + 10 seats); higher tiers by custom quote

  • Growth£149 per month (GBP)
  • Custom / ScaleFree

Vend: Published starting price $119 per month

  • Free or entry planFree
  • Higher tiersCustom pricing

Capabilities worth validating

  • Payhawk: Financial reporting, AI features, Public API, Multi-currency, Bank reconciliation Integrations include NetSuite, Xero, QuickBooks, Sage Intacct.
  • Vend: Web-based or iPad POS, Customer Management, Inventory management, eCommerce Capability, Vend Reporting

Questions to answer before switching

  • Does Payhawk's selected plan include the features and limits we need?
  • Does Vend's selected plan include the features and limits we need?
  • Does the exact integration path for NetSuite, Xero, QuickBooks support the sync direction, permissions, and volume we need?
  • Is a hosted-only deployment acceptable for the team and customers who will use this system?

How to evaluate this shortlist

A useful comparison turns the differences between Finance tools into a concrete test. Use these steps to avoid choosing from a feature table or the lowest headline price alone.

  1. Start with a representative Finance workflow, not a feature checklist. Define who will use it, what data goes in, and what outcome the team needs.
  2. Test the complete path through NetSuite, Xero, QuickBooks: permissions, sync direction, failure handling, and volume limits often matter more than the integration name.
  3. Compare the cost of the real scenario, including users, usage, storage, support, and contract requirements. The entry price alone does not measure adoption cost.
  4. Before switching, list the evidence gaps, request a demo of the critical workflow, and confirm security, data residency, export, and support with each vendor.

Structured signals help narrow the shortlist, but a trial with a real workflow is still the best way to validate the decision.

Research basis

Last checked: 2026-08-25. Pricing, integrations, feature support, and review signals can change, so treat this as a research snapshot and verify the final decision with the vendor.

Sources consulted: Payhawk product site, G2, Capterra; Vend product site, FinancesOnline review, Vendor website