Moon Invoice vs Payhawk (2026): Pricing, Features & Verdict
Payhawk is our pick, scoring 7.1/10 against 5.7/10 for Moon Invoice on our Finance Software criteria. Its biggest advantage: higher Scalability score (8/10 vs 4/10). Neither Moon Invoice nor Payhawk lists a free plan.
Last updated: November 2026
Moon Invoice
5.7/10
Cross-platform invoicing and light accounting app for freelancers and small businesses. It covers estimates, invoices, expenses, time tracking, online payments and financial reports.
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 | 5.7/10 | 7.1/10 |
| Scalability | 4/10 | 8/10 |
| Analytics | 5/10 | 5/10 |
| Compliance | 4/10 | 8/10 |
| Integration | 6/10 | 9/10 |
| Security | 4/10 | 8/10 |
| Support | 6/10 | 5/10 |
| Cost | 8/10 | 4/10 |
| Customization | 5/10 | 7/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | Contact for pricing | £149/mo Growth programme (UK/EEA) |
| Estimated cost for 10 users | Contact for pricing | £149/mo Growth programme (UK/EEA) |
| Features | ||
| Expense Management | ||
| Multi-currency | ||
| Tax Compliance | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Invoicing | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
Moon Invoice vs Payhawk cost by team size
| Team size | Moon Invoice | Payhawk |
|---|---|---|
| 1 user | Contact for pricing | £149/moGrowth programme (UK/EEA) |
| 5 users | Contact for pricing | £149/moGrowth programme (UK/EEA) |
| 10 users | Contact for pricing | £149/moGrowth programme (UK/EEA) |
| 25 users | Contact for pricing | $299/moTravel |
| 50 users | Contact for pricing | $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 Moon Invoice and Payhawk suit
Moon Invoice fits small business better; Payhawk fits finance teams and enterprise better.
| Audience | Moon Invoice | Payhawk |
|---|---|---|
| Finance Teams | 3/10It offers no published multi-entity consolidation, audit trail or advanced ledger controls. | 9/10It is built for controllers and CFO teams that need card controls, AP approvals and ERP sync in one place. |
| Enterprise | 2/10The plan structure and missing security certifications point to very small organizations, not enterprises. | 7/10It offers SAP, Oracle and Workday connectors, SSO, and PO matching, but very large enterprises may still need deeper procurement suites. |
| Small Business | 8/10It covers invoicing, expenses, payments and basic accounting reports at a price small firms can afford. | 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. |
| Agencies | 6/10Team invites with per-module access levels and project tracking help, but it lacks deeper agency resource features. | Not rated |
| Consultancies | 7/10Project-based time tracking, timesheets and recurring invoices suit billable-hours work. | Not rated |
| Freelancers | 9/10The low annual price, mobile-first apps, time tracking and quick invoice templates are aimed at solo workers. | 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 Moon Invoice
- Higher Cost score (8/10 vs 4/10)
- Higher Support score (6/10 vs 5/10)
- Better fit for small business (8/10 vs 4/10)
Why choose Payhawk
- Higher Scalability score (8/10 vs 4/10)
- Higher Compliance score (8/10 vs 4/10)
- Better fit for finance teams (9/10 vs 3/10)
- Better fit for enterprise (7/10 vs 2/10)
Pros & Cons
Moon Invoice
Pros
- Runs natively on Mac, Windows, iOS, Android and Linux as well as in the browser, so you can bill from almost any device.
- Annual plans start at about 80 USD a year in directory listings, cheaper than most accounting suites.
- Supports a wide range of payment gateways, including Stripe, PayPal, Square, Braintree, Razorpay, Venmo, Cash App and UPI.
- Offers more than 66 invoice templates and many document types, such as estimates, purchase orders, credit notes, delivery challans and proforma invoices.
- Account owners can set Add, Edit or Delete access for each module, or hide a module from a team member.
- Active development: the iOS app received several updates in late 2026, including WhatsApp Business API integration.
Cons
- Users on G2 and the App Store report unreliable data sync between mobile and desktop apps.
- Reviewers, including The CFO Club, note limited customization.
- No published SOC 2 or ISO 27001 certification; the site only mentions multi-layered cloud security.
- Accounting depth is light: the vendor does not document a chart of accounts, balance sheet, audit trail or accountant role.
- Pricing is confusing: listings and app store in-app purchases show several overlapping plan names and prices, and frequent promotions change the price you pay.
- Starter limits you to 25 active clients.
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 5.7/10 for Moon Invoice. The largest gap is in Compliance: 4/10 for Moon Invoice and 8/10 for Payhawk.
No, neither Moon Invoice nor Payhawk lists a free plan.
Payhawk is the better fit for finance teams: we rate it 9/10 for them, against 3/10 for Moon Invoice.
