Kashoo vs Payhawk (2026): Pricing, Features & Verdict
Payhawk is our pick, scoring 7.1/10 against 5.8/10 for Kashoo on our Finance Software criteria. Its biggest advantage: higher Scalability score (8/10 vs 3/10). Neither Kashoo nor Payhawk lists a free plan.
Last updated: November 2026
Kashoo
5.8/10
Kashoo is cloud double-entry accounting software for small businesses and sole proprietors. It covers invoicing, bank feeds, sales tax tracking and reports, all on a single flat-priced plan.
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 | 5.8/10 | 7.1/10 |
| Scalability | 3/10 | 8/10 |
| Analytics | 5/10 | 5/10 |
| Compliance | 5/10 | 8/10 |
| Integration | 4/10 | 9/10 |
| Security | 6/10 | 8/10 |
| Support | 7/10 | 5/10 |
| Cost | 8/10 | 4/10 |
| Customization | 4/10 | 7/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | $30/mo Kashoo | £149/mo Growth programme (UK/EEA) |
| Estimated cost for 10 users | $30/mo Kashoo | £149/mo Growth programme (UK/EEA) |
| Features | ||
| Multi-entity Consolidation | ||
| Accountant Access | ||
| Expense Management | ||
| Multi-currency | ||
| Tax Compliance | ||
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Invoicing | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
Kashoo vs Payhawk cost by team size
Kashoo costs less from 25 users.
| Team size | Kashoo | Payhawk |
|---|---|---|
| 1 user | $30/moKashoo | £149/moGrowth programme (UK/EEA) |
| 5 users | $30/moKashoo | £149/moGrowth programme (UK/EEA) |
| 10 users | $30/moKashoo | £149/moGrowth programme (UK/EEA) |
| 25 users | $30/moKashoo | $299/moTravel |
| 50 users | $30/moKashoo | $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 Kashoo and Payhawk suit
Kashoo fits small business better; Payhawk fits mid-market better.
| Audience | Kashoo | Payhawk |
|---|---|---|
| Mid-Market | 3/10It lacks consolidation and advanced features, and needs a separate subscription for each business. | 9/10Module pricing from several hundred dollars a month, plus multi-entity add-ons, targets companies that have outgrown simple expense apps. |
| Small Business | 9/10Kashoo is designed for small business owners and charges one flat price with unlimited users. | 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. |
| Accountants and Bookkeepers | 6/10Owners can invite accountants for free, but there are no dedicated practice-management tools. | Not rated |
| Enterprise | Not rated | 7/10It offers SAP, Oracle and Workday connectors, SSO, and PO matching, but very large enterprises may still need deeper procurement suites. |
| 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 | 8/10It is simple, low-cost invoicing and bookkeeping that works for people without an accounting background. | Not rated |
| 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 Kashoo
- Higher Cost score (8/10 vs 4/10)
- Higher Support score (7/10 vs 5/10)
- Better fit for small business (9/10 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 mid-market (9/10 vs 3/10)
- Includes Multi-entity Consolidation, which Kashoo lacks
Pros & Cons
Kashoo
Pros
- A single 30 USD monthly plan includes every feature, with unlimited users, invoices and attachments.
- Accountants and staff can be invited at no extra cost, each with their own access level.
- Bank connections use Plaid, so Kashoo never receives your bank credentials, and CSV and OFX imports are also supported.
- Reviewers say non-accountants find it easy to learn, and they praise customer service.
Cons
- It has fewer integrations than larger competitors, which reviewers say made them hesitant to commit.
- Every additional business needs its own subscription, and there is no consolidation across businesses.
- Payroll depends on the third-party PaymentEvolution integration rather than a built-in feature.
- It lacks the advanced accounting features and budgeting tools found in larger suites.
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 5.8/10 for Kashoo. The largest gap is in Integration: 4/10 for Kashoo and 9/10 for Payhawk.
No, neither Kashoo nor Payhawk lists a free plan.
Payhawk is the better fit for mid-market: we rate it 9/10 for them, against 3/10 for Kashoo.
Payhawk has Multi-entity Consolidation, which Kashoo lacks.
