LemSubs vs Payhawk

European corporate cards, bill pay, and reimbursements in one platform — built for finance teams, not solo founders

Payhawk is a London/Sofia-built spend platform that bundles corporate cards, bill pay, expense reimbursements, and procurement into one finance suite. It's well-suited to mid-market companies replacing three or four tools at once and willing to sit through a sales process.

The SaaS subscription view is a side-effect of card spend visibility — it works for charges that run through Payhawk cards, and is largely silent on annual invoices paid by wire, founder-personal-card subscriptions, or contractor reimbursements.

Pricing is quote-only and per-seat, which puts the entry point in the four-figures-per-year range. LemSubs is the lighter, self-serve, payment-method-agnostic layer underneath: subscription tracking, renewal alerts, overlap detection, and category budgets without the suite or the sales call.

Payhawk pricing

Custom quote; typically €15–€25/user/month

Payhawk is best for

Mid-market EU and UK finance teams (50–500 staff)

Where Payhawk wins

• End-to-end spend suite (cards, bills, expenses, procurement)
• Multi-entity and multi-currency support
• Native EU accounting integrations
• Strong policy and approval engine

Where Payhawk falls short

• Sales-led pricing — no public tier
• SaaS visibility tied to card adoption
• Heavy onboarding for mid-market deployment
• Wrong fit for solo founders, freelancers, small teams

Moving from Payhawk to LemSubs

1. In Payhawk, export your vendor list and card transactions as CSV.
2. Group rows by vendor to find every recurring subscription.
3. Sign up for LemSubs and pick a workspace.
4. Smart Import the CSV; map name, price, and renewal date.
5. Turn on renewal alerts and category budgets.
6. Keep Payhawk for cards and bills; use LemSubs for renewals.

Frequently asked questions

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