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 seamlessly. Instantly issue cards with custom limits, automate expense reporting with real-time notifications, and integrate directly with your accounting software. Go paperless and gain full control over your business finances.

Highlights
  • Instant virtual and physical card issuance
  • Customizable spending limits per employee
  • Automated receipt and invoice matching
  • Real-time expense tracking and reporting
  • Direct accounting software integration
  • Paperless expense management
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 60% against CleverCards's 17%. Payhawk also leads on rating (4.5 vs 3.0) and ads (none vs shown). CleverCards's advantage is monetization model (ad-supported vs freemium). On price, in-app purchases, device support and iOS requirement 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 237 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 60% of Payhawk's written reviews are positive against 17% of CleverCards's.

UpkeepUpdate frequency

Payhawk ships an update every 6 days, CleverCards every 2 weeks. The most recent releases landed on September 26, 2026 and July 5, 2026 respectively.

Scorecard6 real differences · 4 level
Payhawk versus CleverCards: the parameters behind the verdict, then further details
ParameterPayhawkCleverCards
PriceFreeFree
Rating4.5 (237 ratings) — better3.0 (2 ratings)
Positive reviews59.6% of reviews — better16.7% of reviews
Number of ratings237 — better2
Update frequencyEvery 6 days — betterEvery 2 weeks
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFreemiumAd-supported — better
DevicesiPhoneiPhone
Requires iOS16.416.0 — better
Further details — not scored
Size121 MB140 MB
Age rating4+4+
DeveloperPayhawk OODKPTRS Investments Ltd

Customer experience

Payhawk

All ratings237 ratings
Positive86.5%
Neutral3.8%
Negative9.7%
Written reviews57 reviews
Positive59.6%
Neutral8.8%
Negative31.6%

CleverCards

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews6 reviews
Positive16.7%
Neutral0.0%
Negative83.3%

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 237 ratings, while CleverCards averages 3.0 from 2 ratings.
Do Payhawk or CleverCards have ads?
CleverCards shows ads; Payhawk does not.
Which is updated more often, Payhawk or CleverCards?
Payhawk ships an update every 6 days, and CleverCards every 2 weeks. Most recently, Payhawk was updated on September 26, 2026 and CleverCards on July 5, 2026.

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