Payhawk vs Procountor (2026): Pricing, Features & Verdict
Payhawk is our pick, scoring 7.1/10 against 6.2/10 for Procountor on our Finance Software criteria. Its biggest advantage: higher Integration score (9/10 vs 7/10). Neither Payhawk nor Procountor lists a free plan.
Last updated: November 2026
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.
Procountor
6.2/10
Finago Procountor is a browser-based Finnish financial management system covering invoicing, purchase invoices, bookkeeping and payroll for companies and their accounting offices.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 7.1/10 | 6.2/10 |
| Scalability | 8/10 | 7/10 |
| Analytics | 5/10 | 5/10 |
| Compliance | 8/10 | 7/10 |
| Integration | 9/10 | 7/10 |
| Security | 8/10 | 7/10 |
| Support | 5/10 | 5/10 |
| Cost | 4/10 | 5/10 |
| Customization | 7/10 | 6/10 |
| Ease of Use | 8/10 | 6/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | £149/mo Growth programme (UK/EEA) | €4/mo First |
| Estimated cost for 10 users | £149/mo Growth programme (UK/EEA) | €4/mo First |
| Features | ||
| Payroll | ||
| Accountant Access | ||
| Accounts Payable | ||
| Expense Management | ||
| Corporate Cards | Not listed | |
| General Ledger | Not listed | |
| Invoicing | Not listed | |
| Multi-currency | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Tax Compliance | Not listed | |
Payhawk vs Procountor cost by team size
| Team size | Payhawk | Procountor |
|---|---|---|
| 1 user | £149/moGrowth programme (UK/EEA) | €4/moFirst |
| 5 users | £149/moGrowth programme (UK/EEA) | €4/moFirst |
| 10 users | £149/moGrowth programme (UK/EEA) | €4/moFirst |
| 25 users | $299/moTravel | €4/moFirst |
| 50 users | $299/moTravel | €4/moFirst |
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 Payhawk and Procountor suit
Payhawk fits mid-market better; Procountor fits small business better.
| Audience | Payhawk | Procountor |
|---|---|---|
| Small Business | 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. | 8/10The low-cost First and Light packages and the browser interface suit small Finnish companies. |
| Mid-Market | 9/10Module pricing from several hundred dollars a month, plus multi-entity add-ons, targets companies that have outgrown simple expense apps. | 7/10The higher packages add more vouchers, payroll for up to 100 people, multi-level approvals and contract invoicing. |
| Accountants and Bookkeepers | Not rated | 8/10Accounting offices get free unlimited access, and the product is built around shared use with outside accountants. |
| Enterprise | 7/10It offers SAP, Oracle and Workday connectors, SSO, and PO matching, but very large enterprises may still need deeper procurement suites. | Not rated |
| Finance Teams | 9/10It is built for controllers and CFO teams that need card controls, AP approvals and ERP sync in one place. | Not rated |
| Freelancers | Not rated | 6/10Solo entrepreneurs are offered a separate, simpler product, Procountor Solo. |
| Startups | 5/10The Growth plan and unlimited employee seats help, but annual contracts and the price floor are less startup-friendly than freemium rivals. | Not rated |
Which One Should You Choose?
Why choose Payhawk
- Higher Integration score (9/10 vs 7/10)
- Higher Ease of Use score (8/10 vs 6/10)
- Better fit for mid-market (9/10 vs 7/10)
Why choose Procountor
- Higher Cost score (5/10 vs 4/10)
- Better fit for small business (8/10 vs 4/10)
- Includes Payroll, which Payhawk lacks
Pros & Cons
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.
Procountor
Pros
- No per-user fees: the company and its accounting office can add unlimited users at no charge.
- Seven packages let you start at 4 euros a month and move up as transaction volume grows.
- Payroll, purchase invoice approval and invoicing are all in one Finnish-compliant system.
- A documented REST API with OAuth2, webhooks and a free test environment, plus third-party connectors.
Cons
- Prices rise steeply between packages, from 82.90 euros for Basic to 344.90 euros for Plus.
- Every transaction counts as a voucher, so overage charges can add up quickly.
- Built mainly for the Finnish market, with very few independent English-language reviews.
- Contract and cancellation terms are not stated clearly on the pricing page.
Not sold on either?
Frequently Asked Questions
Payhawk scores higher on our Finance Software criteria: 7.1/10 against 6.2/10 for Procountor. The largest gap is in Ease of Use: 8/10 for Payhawk and 6/10 for Procountor.
No, neither Payhawk nor Procountor lists a free plan.
Procountor is the better fit for small business: we rate it 8/10 for them, against 4/10 for Payhawk.
Procountor has Payroll, which Payhawk lacks.
