Lundify vs Payhawk (2026): Pricing, Features & Verdict

Why choose Lundify

• Higher Cost score (7/10 vs 4/10)
• Better fit for small business (8/10 vs 4/10)
• Includes Payroll, which Payhawk lacks

Why choose Payhawk

• Higher Scalability score (8/10 vs 4/10)
• Higher Integration score (9/10 vs 5/10)
• Better fit for enterprise (7/10 vs 2/10)

Lundify

Pros

• AI interpretation of receipts and supplier invoices has no volume cap or per-document fee, which competitors often meter.
• Direct PSD2 connections to Handelsbanken, Nordea, SEB and Swedbank let users pay supplier invoices and match payments without bank files.
• Built for Swedish rules: BAS 2026 chart of accounts, automatic VAT check, cash or invoice-basis accounting, and ROT and RUT claim files.
• Low entry prices in SEK, a 30-day free trial and monthly billing with no notice period.
• The vendor's tax publishing background shows in its bundled e-books, templates, courses and paid question service.
• Accounting firms get dedicated tools (Workflow, Year-End Reporting, BL Byrå), and clients and bookkeepers can work in the same company at once.

Cons

• Trustpilot rating of 3.4 out of 5, with many 2026 reviews citing long phone waits, unreliable chat and hard-to-reach support.
• Bank connections cover only four major Swedish banks, and some reviewers report failed payments or balances not syncing.
• Modular pricing adds up quickly: approvals, expenses, time tracking, e-invoices, signing and payslips are all charged extra.
• Users report missing printouts such as monthly voucher lists, a dated interface, and a hard year-end close.
• No public general API was found, and integrations rely partly on the third-party API.1 connector from Zwapgrid.
• Focused on the Swedish market, with no clear multi-currency invoicing or multi-entity consolidation.

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.