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
- In Payhawk, export your vendor list and card transactions as CSV.
- Group rows by vendor to find every recurring subscription.
- Sign up for LemSubs and pick a workspace.
- Smart Import the CSV; map name, price, and renewal date.
- Turn on renewal alerts and category budgets.
- Keep Payhawk for cards and bills; use LemSubs for renewals.
Frequently asked questions
Is LemSubs a Payhawk alternative?
For the subscription-tracking module — yes. For corporate cards and bill pay — no. Many finance teams use both.
Does Payhawk track non-Payhawk-card subscriptions?
Not natively. LemSubs is payment-method-agnostic by design.
Can I get LemSubs without talking to sales?
Yes. Sign up, pick a plan, done. No call required.