Payhawk vs CleverCards
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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/
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.
- Digital card storage
- Access card numbers and details
- Add cards to Apple Wallet
- View card balances
- View transaction history
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | Payhawk | CleverCards |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (237 ratings) — better | 3.0 (2 ratings) |
| Positive reviews | 59.6% of reviews — better | 16.7% of reviews |
| Number of ratings | 237 — better | 2 |
| Update frequency | Every 6 days — better | Every 2 weeks |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Freemium | Ad-supported — better |
| Devices | iPhone | iPhone |
| Requires iOS | 16.4 | 16.0 — better |
| Further details — not scored | ||
| Size | 121 MB | 140 MB |
| Age rating | 4+ | 4+ |
| Developer | Payhawk OOD | KPTRS Investments Ltd |
Customer experience
Payhawk
CleverCards
In-app purchases
Payhawk
No in-app purchases
CleverCards
No in-app purchases









