Abby vs Payhawk (2026): Pricing, Features & Verdict
Payhawk is our pick, scoring 7.1/10 against 5.9/10 for Abby on our Finance Software criteria. Its biggest advantage: higher Scalability score (8/10 vs 3/10). Only Abby has a free plan.
Last updated: November 2026
Abby
5.9/10
French invoicing and admin app for micro-entrepreneurs and freelancers, covering quotes, e-invoicing, Urssaf filings, bank sync and basic bookkeeping.
Payhawk
7.1/10
Payhawk is a modular spend management platform combining Visa corporate cards, expense claims, accounts payable, procurement and travel booking for mid-sized and multi-entity companies.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 5.9/10 | 7.1/10 |
| Scalability | 3/10 | 8/10 |
| Analytics | 4/10 | 5/10 |
| Compliance | 8/10 | 8/10 |
| Integration | 4/10 | 9/10 |
| Security | 7/10 | 8/10 |
| Support | 4/10 | 5/10 |
| Cost | 8/10 | 4/10 |
| Customization | 4/10 | 7/10 |
| Ease of Use | 7/10 | 8/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | €9/mo Start | £149/mo Growth programme (UK/EEA) |
| Estimated cost for 10 users | Free Basique | £149/mo Growth programme (UK/EEA) |
| Features | ||
| Multi-currency | ||
| Tax Compliance | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| Inventory Accounting | Not listed | |
| Invoicing | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
Abby vs Payhawk cost by team size
| Team size | Abby | Payhawk |
|---|---|---|
| 1 user | FreeBasique | £149/moGrowth programme (UK/EEA) |
| 5 users | FreeBasique | £149/moGrowth programme (UK/EEA) |
| 10 users | FreeBasique | £149/moGrowth programme (UK/EEA) |
| 25 users | FreeBasique | $299/moTravel |
| 50 users | FreeBasique | $299/moTravel |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Who Abby and Payhawk suit
Abby fits small business better; Payhawk fits enterprise better.
| Audience | Abby | Payhawk |
|---|---|---|
| Enterprise | 1/10It has no multi-entity or enterprise controls and only serves very small French businesses. | 7/10It offers SAP, Oracle and Workday connectors, SSO, and PO matching, but very large enterprises may still need deeper procurement suites. |
| Small Business | 6/10It supports small company forms such as SASU and SARL, but its core is the micro-entreprise regime. | 4/10There is a discounted Growth programme for UK and EEA firms under 10 staff, but it is capped and reviewers say the cost is high for small companies. |
| Finance Teams | Not rated | 9/10It is built for controllers and CFO teams that need card controls, AP approvals and ERP sync in one place. |
| Freelancers | 9/10It was built by former auto-entrepreneurs specifically for French freelancers and micro-entrepreneurs. | Not rated |
| Mid-Market | Not rated | 9/10Module pricing from several hundred dollars a month, plus multi-entity add-ons, targets companies that have outgrown simple expense apps. |
| Startups | Not rated | 5/10The Growth plan and unlimited employee seats help, but annual contracts and the price floor are less startup-friendly than freemium rivals. |
Which One Should You Choose?
Why choose Abby
- Has a free plan (Payhawk does not)
- Higher Cost score (8/10 vs 4/10)
- Better fit for small business (6/10 vs 4/10)
Why choose Payhawk
- Higher Scalability score (8/10 vs 3/10)
- Higher Integration score (9/10 vs 4/10)
- Better fit for enterprise (7/10 vs 1/10)
Pros & Cons
Abby
Pros
- The free Basique plan includes unlimited quotes and invoices plus mandatory e-invoicing, which suits freelancers who are just starting out.
- The DGFiP registered Abby as an approved e-invoicing platform in January 2026, so it is ready for France's e-invoicing reform.
- Urssaf contribution estimates and filings are built in, which removes a recurring chore for micro-entrepreneurs.
- Abby claims ISO 27001 certification and is available on iOS and Android.
Cons
- It serves only French businesses and has no English interface.
- Important features are split across tiers. Bank sync needs Pro, and multiple users and foreign currencies need the 33 euro Business plan.
- Reviewers report chatbot-first support with no phone line, even on Business.
- Some users report bugs such as invoices that would not send, wrong Urssaf amounts and unmatched bank payments.
Payhawk
Pros
- Unlimited employee seats, card transactions and document processing in every module, so costs do not scale per employee.
- Very broad native integration list, covering NetSuite, Sage Intacct, SAP, Dynamics, Xero, QuickBooks, DATEV and 30+ HR systems, plus a partner API and MCP connector.
- Strong for multi-entity European groups, with regulated card issuing entities in the EEA, UK and US and balances in six currencies.
- AP module includes 2- and 3-way PO matching, segregation-of-duties controls, and e-invoicing support for Peppol, KSeF, SDI and Finvoice.
- Reviewers often say employees find receipt capture and expense submission in the mobile app quick and easy.
Cons
- Trustpilot (2.8/5) and some G2 reviews describe mid-contract price increases, automatic renewals and difficult cancellations.
- Several reviewers report slow or AI-first support, with replies taking days or weeks.
- Annual pricing, unit fees for admin seats and cards, and add-on prices are not published, so you have to get a quote.
- Initial setup of workflows, custom fields and integrations is described as complex, and some reviewers note sync errors with Xero and with foreign currency refunds.
- It is not a general ledger or payroll system, so it needs a separate ERP or accounting package.
Not sold on either?
Frequently Asked Questions
Payhawk scores higher on our Finance Software criteria: 7.1/10 against 5.9/10 for Abby. The largest gap is in Integration: 4/10 for Abby and 9/10 for Payhawk.
Abby has a free plan; Payhawk does not list one.
Payhawk is the better fit for enterprise: we rate it 7/10 for them, against 1/10 for Abby.
