Comparison

Payhawk vs Pliant

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

Pliant

Manage corporate credit cards digitally with features like virtual and physical card issuance, real-time spending tracking, and automated cashback. Easily collect receipts and integrate with accounting software for streamlined financial operations.

Highlights
  • Digital card management
  • Virtual and physical card issuance
  • Real-time spending tracking
  • Automated cashbacks
  • Seamless accounting integrations
  • Employee spending control
  • Receipt collection
Features
Read full description

The newest generation of corporate credit cards Fully digital card management and seamless accounting software integrations combined with high limits, premium card perks, and attractive cashbacks. How to use pliant: 1. Register online through the web app and get a real credit card independent from your bank account 2. Issue virtual and physical cards with individual limits to employees 3. Track spending real-time and automatically save money through cashbacks 4. Easily collect receipts and automatically pass on to accounting The mobile app enables employees to access transactions in real-time as well as attach comments and receipts. Additionally, you can access your credit cards through the wallet as well as lock, unlock and report card as stolen. Pliant is a financial technology company, not an FDIC Insured bank. Banking services provided by Coastal Community Bank, Member FDIC. FDIC insurance only covers the failure of an FDIC insured bank. FDIC insurance is available through pass-through insurance at Coastal Community Bank, Member FDIC, if certain conditions have been met. The Pliant Corporate Credit Card is issued by Coastal Community Bank, Member FDIC pursuant to a license from Visa U.S.A and may be used everywhere Visa is accepted.

Screenshots

Payhawk4 screens
Pliant4 screens

Verdict

The call

The clearest difference is rating: Pliant at 5.0 against Payhawk's 4.5. Pliant also leads on monetization model (free vs freemium) and review sentiment (75% vs 60%). Payhawk's advantage is ratings volume (248 vs 1) and update cadence (every 5 days vs fortnightly). 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

Pliant holds the better App Store score, 5.0 against 4.5. That said, the two scores are not equally well evidenced: Payhawk has 248 ratings behind it against 1, 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 75% of Pliant's.

UpkeepUpdate frequency

Payhawk ships an update every 5 days, Pliant fortnightly. The most recent releases landed on October 18, 2026 and October 13, 2026 respectively.

Scorecard5 real differences · 5 level
Payhawk versus Pliant: the parameters behind the verdict, then further details
ParameterPayhawkPliant
PriceFreeFree
Rating4.5 (248 ratings)5.0 (1 ratings) — better
Positive reviews59.6% of reviews75.0% of reviews — better
Number of ratings248 — better1
Update frequencyEvery 5 days — betterFortnightly
AdsNoNo
In-app purchasesNoNo
MonetizationFreemiumFree — better
DevicesiPhoneiPhone
Requires iOS16.4 — better16.6
Further details — not scored
Size121 MB94 MB
Age rating4+4+
DeveloperPayhawk OODPliant GmbH

Customer experience

Payhawk

All ratings248 ratings
Positive85.9%
Neutral3.6%
Negative10.5%
Written reviews57 reviews
Positive59.6%
Neutral8.8%
Negative31.6%

Pliant

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews12 reviews
Positive75.0%
Neutral0.0%
Negative25.0%

In-app purchases

None

Payhawk

No in-app purchases

None

Pliant

No in-app purchases

Questions

Is Payhawk free?
Payhawk is free to download, with no in-app purchases.
Is Pliant free?
Pliant is free to download, with no in-app purchases.
Which has better reviews, Payhawk or Pliant?
Pliant is rated higher. Payhawk averages 4.5 out of 5 from 248 ratings, while Pliant averages 5.0 from 1 ratings.
Do Payhawk or Pliant have ads?
Neither Payhawk nor Pliant shows ads.
Which is updated more often, Payhawk or Pliant?
Payhawk ships an update every 5 days, and Pliant fortnightly. Most recently, Payhawk was updated on October 18, 2026 and Pliant on October 13, 2026.

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