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 digitally. Issue instant cards with custom limits, automate expense reporting, and integrate with accounting systems for seamless financial management.
- 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
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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 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
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 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.
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.
| Parameter | Payhawk | CleverCards |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (311 ratings) — better | 3.0 (2 ratings) |
| Positive reviews | 58.6% of reviews — better | 11.1% of reviews |
| Number of ratings | 311 — better | 2 |
| Update frequency | Every 3 days — better | Every 2 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone | iPhone |
| Requires iOS | 16.4 | 16.0 — better |
| Further details — not scored | ||
| Size | 152 MB | 148 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









