Comparison

Payhawk vs pxtra

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

pxtra

This platform offers a flexible, all-in-one solution for employee benefits, adapting to individual needs without extra effort. It provides an intuitive interface and a mobile app for easy management.

Highlights
  • All-in-one employee benefits platform
  • 100% flexible benefit customization
  • Intuitive platform interface
  • Mobile app for easy management
  • Adapts to employee wishes
Features
Read full description

pxtra ist die innovative All-In-One-Plattform für Mitarbeiter-Benefits. Aktuelle Studien zeigen, dass Benefits für Mitarbeiter:innen nur nützlich sind, wenn individuelle Bedürfnisse berücksichtigt werden. Unsere Benefit-Plattform ist daher zu 100% flexibel und lässt sich an die Wünsche Deiner Mitarbeiter:innen anpassen. Ganz ohne zusätzlichen Aufwand dank intuitiver Plattform & mobiler App.

Screenshots

Payhawk4 screens
pxtra4 screens

Verdict

The call

The clearest difference is update cadence: Payhawk at every 5 days against pxtra's every 6 weeks. Payhawk also leads on review sentiment (59% vs 50%). pxtra's advantage is monetization model (free vs freemium). 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.

UpkeepUpdate frequency

Payhawk ships an update every 5 days, pxtra every 6 weeks. Both last shipped on September 22, 2026.

Scorecard3 real differences · 7 level
Payhawk versus pxtra: the parameters behind the verdict, then further details
ParameterPayhawkpxtra
PriceFreeFree
Rating4.5 (232 ratings) — better—
Positive reviews58.9% of reviews — better50.0% of reviews
Number of ratings232 — better—
Update frequencyEvery 5 days — betterEvery 6 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreemiumFree — better
DevicesiPhoneiPhone, iPod — better
Requires iOS16.415.0 — better
Further details — not scored
Size120 MB59 MB
Age rating4+4+
DeveloperPayhawk OODpxtra GmbH

Customer experience

Payhawk

All ratings232 ratings
Positive86.6%
Neutral3.4%
Negative9.9%
Written reviews56 reviews
Positive58.9%
Neutral8.9%
Negative32.1%

pxtra

Written reviews14 reviews
Positive50.0%
Neutral14.3%
Negative35.7%

In-app purchases

None

Payhawk

No in-app purchases

None

pxtra

No in-app purchases

Questions

Is Payhawk free?
Payhawk is free to download, with no in-app purchases.
Is pxtra free?
pxtra is free to download, with no in-app purchases.
Do Payhawk or pxtra have ads?
Neither Payhawk nor pxtra shows ads.
Which is updated more often, Payhawk or pxtra?
Payhawk ships an update every 5 days, and pxtra every 6 weeks. Most recently, Payhawk was updated on September 22, 2026 and pxtra on September 22, 2026.

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