Comparison

Payhawk vs CleverCards

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Payhawk

Manage your company's entire spending lifecycle digitally. Issue instant cards with custom limits, automate expense reporting, and integrate with accounting systems for seamless financial management.

Highlights
  • Instant virtual and physical card issuance
  • Customizable spending limits
  • Automated receipt and invoice capture
  • Real-time expense categorization
  • One-click bill payments and reimbursements
  • Accounting system integrations
  • Digital record-keeping for 10 years
Features
Read full description

What is Payhawk? One place to manage your entire spending lifecycle in a digitally compliant way. Why Payhawk? A click of a button is better than a trip to a bank. Next Generation cards * Issue cards instantly - issue physical or virtual cards to employees with a click. * Set spending limits - decide how much every employee can spend and create limits by vendors, categories and time * Control cash withdrawals and online payments - enable or disable ATM cash withdrawals & online payments. * Design custom approval chain - empower employees to request funds through an approval process * Prevent card sharing - delete all pictures of your shared company card. * Issue team cards for employees spending from a shared budget - the right way to manage subscriptions, marketing budgets, or project-based spending * Business Debit cards - issued by Visa and accepted worldwide. Don’t deal with expense reports and receipts * Real-time notifications - snap photos of receipts and invoices after every card transaction. * Don’t chase invoices - employees are constantly reminded to submit payment proofs. * Automated inbox - digital invoices are automatically matched with card transactions. * Automated categorization - based on your own chart of accounts. * Let us take care of the pre-accounting - we use smart computer vision that reads 60+ languages making every expense ready for reconciliation * Reconcile in real-time - calculate your budget vs. actual reports in real time * Easily pay bills and reimbursements - Initiate SEPA and Faster Payments transfers with one click directly from the platform * Go paperless - invoices, receipts, and bank statements are all digital and kept for 10 years. * No more bank statements - transactions and expenses are matched with a breeze. * Accounting integrations - push reconciled expenses straight to your accounting system. Do you work with an external accounting team? No problem, you can easily invite them to our web portal or export them a monthly Excel report. Learn more and sign-up at https://payhawk.com Follow us on LinkedIn: https://www.linkedin.com/company/payhawk-com/

About

CleverCards

Manage and store all your payment cards digitally. Access card details for online spending, add them to mobile wallets for in-store purchases, and view balances and transaction history.

Highlights
  • Digital card storage
  • Access card numbers and details
  • Add cards to Apple Wallet
  • View card balances
  • View transaction history
Features
Read full description

With the CleverCards app, you can access, manage, and store all your CleverCards in one place. In the app, you can: • Login using your verified mobile number • Securely access all your payment cards - all cards that you activate are automatically added to the app • Get your card number and card details for spending online • Add your cards to Apple Wallet with a tap of a button and enjoy secure in-store spending with Apple Pay • View your card balances and transaction history across all your cards. Experience the ultimate convenience of CleverCards, powered by Mastercard®. ANYONE. ANYWHERE. ANYTIME. INSTANTLY.

Screenshots

Payhawk4 screens
CleverCards4 screens

Verdict

The call

The clearest difference is review sentiment: Payhawk at 59% against CleverCards's 11%. Payhawk also leads on rating (4.5 vs 3.0) and ratings volume (311 vs 2). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Payhawk holds the better App Store score, 4.5 against 3.0. That said, the two scores are not equally well evidenced: Payhawk has 311 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 59% of Payhawk's written reviews are positive against 11% of CleverCards's.

UpkeepUpdate frequency

Payhawk ships an update every 3 days, CleverCards every 2 weeks. The most recent releases landed on November 11, 2026 and November 3, 2026 respectively.

Scorecard5 real differences · 5 level
Payhawk versus CleverCards: the parameters behind the verdict, then further details
ParameterPayhawkCleverCards
PriceFreeFree
Rating4.5 (311 ratings) — better3.0 (2 ratings)
Positive reviews58.6% of reviews — better11.1% of reviews
Number of ratings311 — better2
Update frequencyEvery 3 days — betterEvery 2 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhoneiPhone
Requires iOS16.416.0 — better
Further details — not scored
Size152 MB148 MB
Age rating4+4+
DeveloperPayhawk OODKPTRS Investments Ltd

Customer experience

Payhawk

All ratings311 ratings
Positive86.8%
Neutral3.5%
Negative9.6%
Written reviews58 reviews
Positive58.6%
Neutral8.6%
Negative32.8%

CleverCards

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews9 reviews
Positive11.1%
Neutral0.0%
Negative88.9%

In-app purchases

None

Payhawk

No in-app purchases

None

CleverCards

No in-app purchases

Questions

Is Payhawk free?
Payhawk is free to download, with no in-app purchases.
Is CleverCards free?
CleverCards is free to download, with no in-app purchases.
Which has better reviews, Payhawk or CleverCards?
Payhawk is rated higher. Payhawk averages 4.5 out of 5 from 311 ratings, while CleverCards averages 3.0 from 2 ratings.
Do Payhawk or CleverCards have ads?
Neither Payhawk nor CleverCards shows ads.
Which is updated more often, Payhawk or CleverCards?
Payhawk ships an update every 3 days, and CleverCards every 2 weeks. Most recently, Payhawk was updated on November 11, 2026 and CleverCards on November 3, 2026.

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