Payhawk overlays existing corporate cards

This feature makes Payhawk easier to land inside large finance teams because it sells control first, not card replacement first. A company can keep its existing Amex or bank issued Visa and Mastercard programs, connect those feeds into Payhawk, and start using approvals, receipt capture, coding, and ERP sync without reopening card policies country by country. That matters most in multinational deployments, where card programs are often tied to local banks, treasury rules, and negotiated issuer terms.

• Payhawk is built so the same spend workflow can sit on top of three payment paths, Payhawk issued cards, linked corporate cards, and direct supplier payments. That lets finance teams standardize the approval and accounting layer before deciding whether to move payment volume onto Payhawk owned rails.
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• The contrast with card led rivals is important. Brex and Ramp are strongest when customers adopt their cards as the system of record. Payhawk is more flexible in enterprise deals where a business wants one spend dashboard but cannot fully replace existing issuer relationships in every market.
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• This also fits the European economics of the category. Pleo still gets about 70% of revenue from interchange, while Payhawk monetizes through software modules plus payment volume. Supporting external cards broadens the top of funnel, then creates room to expand later into issued cards, AP, procurement, and travel once the workflow is embedded.
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The next step is that linked card support becomes a wedge into deeper finance infrastructure. As Payhawk keeps adding ERP connectivity, procurement, travel, and cross border payments, the company can start as an overlay on top of incumbent bank cards, then gradually become the operating layer that decides how company money gets approved, spent, and recorded.