Payhawk

Payhawk is a spend management platform that enables finance teams to issue corporate cards, capture and manage expenses, process invoices, enforce budget controls, and integrate with ERP and accounting systems. The platform serves businesses across Europe, the US, and the UK in over 32 countries. Payhawk exposes a RESTful Developer API at https://api.payhawk.io/api/v3 that allows custom integrations over expenses, transactions, cards, employees, custom fields, fund accounts, and bank statements. The API is authenticated via API key, supports real-time webhooks for event-driven automation, and is rate-limited to 15 requests per second. The API is free to use for all Payhawk account holders, with no separate developer tier required.

Payhawk is listed with 1 API on the APIs.io network. Tagged areas include Spend Management, Corporate Cards, Expense Management, Invoice Management, and Budget Controls.

The Payhawk catalog on APIs.io includes 1 JSON-LD context.

Payhawk’s developer surface includes documentation, engineering blog, pricing, and 14 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

25.2/100 emerging ▬ flat Agent 15/100 agent aware Front door AI 6/6 dominant Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

AccessPaid

1 API 1 MCP Servers

Spend Management Corporate Cards Expense Management Invoice ManagementBudget ControlsERP Integration Accounts Payable Fintech Finance Automation Webhook

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 25.2/100 · emerging

Contract Quality 2.3 / 21

Developer Ergonomics 4.9 / 17

Access Clarity 4.3 / 17

Operational Transparency 3.4 / 11

Contract Governance 0.0 / 10

Discoverability 5.8 / 9

Regulatory Posture 3.8 / 15

Agent readiness — 15/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 5 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document Ask about this →
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link Ask about this →

9 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 10.7 — up to +22.3 composite points Ask about this →
Access Clarity scores 25.5 — up to +14.9 composite points Ask about this →
Developer Ergonomics scores 28.6 — up to +14.3 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/payhawk/apis.yml: open an issue on github.com/api-evangelist/payhawk to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Procurement and B2B Buying (source-to-pay suites, spend management)	builds-on	51.7	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (verified)

OAuth 2.0 Protected Resource Metadata

measured — observed by APIs.io (verified)

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Payhawk API

RESTful API for programmatic access to Payhawk spend management features including expenses, corporate cards, transactions, employees, custom fields, fund accounts, bank stateme...

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Payhawk MCP Server

Remote MCP server at mcp.payhawk.com over HTTP.

MCP SERVER

Payhawk API pricing

Not yet checked against Payhawk's own pricing page. Compiled by API Evangelist on 2026-06-12; confirm before you rely on a figure.

Plan	Price
Premium Cards paid	—
All-in-one Spend paid	—
Enterprise enterprise	—

Plan details, limits and sources →

Rate limits

: 15 requests

Compiled by API Evangelist, not yet checked against Payhawk's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Payhawk Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Payhawk Rate Limits

1 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Payhawk

SLA

Compliance 1

Attestations the provider states (SOC 2, ISO 27001 and others), quoted from its own trust page. APIs.io verifies none of them.

Payhawk

8 quoted statements, read from Payhawk's own page on 2026-11-10.

COMPLIANCE

FinOps 1

Cost, billing, and metering signals for API financial operations.

Payhawk Finops

FINOPS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Payhawk Context

12 classes · 0 properties

JSON-LD

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Payhawk Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Payhawk Vulnerability Disclosure

security.txt · contact published

SECURITY

Payhawk Trust Center

SOC 2, ISO 27001, PCI DSS, GDPR, CSA STAR

SECURITY

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

JSONLDContext

JSONLDContext

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

TrustCenter

TrustCenter

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Operate 3

Status, limits, changes, and where to get help

HelpCenter

HelpCenter

StatusPage

StatusPage

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 2

Properties that don't map to a standard resource type

Attestations

Attestations

Source (apis.yml)

aid: payhawk
name: Payhawk
type: Index
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-13'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/payhawk.png
url: https://raw.githubusercontent.com/api-evangelist/payhawk/refs/heads/main/apis.yml
created: 2026-06-12
modified: 2026-06-12
specificationVersion: '0.23'
description: 'Payhawk is a spend management platform that enables finance teams to issue corporate cards, capture and manage
  expenses, process invoices, enforce budget controls, and integrate with ERP and accounting systems. The platform serves
  businesses across Europe, the US, and the UK in over 32 countries. Payhawk exposes a RESTful Developer API at https://api.payhawk.io/api/v3
  that allows custom integrations over expenses, transactions, cards, employees, custom fields, fund accounts, and bank statements.
  The API is authenticated via API key, supports real-time webhooks for event-driven automation, and is rate-limited to 15
  requests per second. The API is free to use for all Payhawk account holders, with no separate developer tier required.

  '
x-docs-platform: swagger-ui
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-04
tags:
- Spend Management
- Corporate Cards
- Expense Management
- Invoice Management
- Budget Controls
- ERP Integration
- Accounts Payable
- Fintech
- Finance Automation
- Webhook
tags_raw:
- Spend Management
- Corporate Cards
- Expense Management
- Invoice Management
- Budget Controls
- ERP Integration
- Accounts Payable
- FinTech
- Finance Automation
- Webhooks
apis:
- aid: payhawk:payhawk-api
  name: Payhawk API
  type: REST
  description: 'RESTful API for programmatic access to Payhawk spend management features including expenses, corporate cards,
    transactions, employees, custom fields, fund accounts, bank statements, and webhook subscriptions.

    '
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developers.payhawk.com/
  baseURL: https://api.payhawk.io/api/v3
  tags:
  - Expenses
  - Corporate Cards
  - Transaction
  - Employees
  - Webhook
  - Fund Accounts
  - Bank Statements
  tags_raw:
  - Expenses
  - Corporate Cards
  - Transactions
  - Employees
  - Webhooks
  - Fund Accounts
  - Bank Statements
  properties:
  - type: Documentation
    url: https://developers.payhawk.com/
  - type: Authentication
    url: https://payhawk.com/help/overview-of-the-payhawk-developer-api
common:
- type: TrustCenter
  url: security/payhawk-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/payhawk-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/payhawk-domain-security.yml
- type: Website
  url: https://payhawk.com
- type: Documentation
  url: https://developers.payhawk.com/
- type: HelpCenter
  url: https://payhawk.com/help/payhawk-for-developers
- type: GitHubOrganization
  url: https://github.com/payhawk
- type: LinkedIn
  url: https://www.linkedin.com/company/payhawk
- type: X
  url: https://x.com/payhawk
- type: Blog
  url: https://payhawk.com/blog
- type: Pricing
  url: https://payhawk.com/pricing
- type: StatusPage
  url: https://status.payhawk.com
- type: Plans
  url: plans/payhawk-plans-pricing.yml
- type: RateLimits
  url: rate-limits/payhawk-rate-limits.yml
- type: FinOps
  url: finops/payhawk-finops.yml
- type: JSONLDContext
  url: json-ld/payhawk-context.jsonld
- type: Attestations
  url: compliance/payhawk-compliance.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Payhawk API — frequently asked questions

Does Payhawk have an API?

Yes. APIs.io lists 1 API from Payhawk, including Payhawk API.

How do I authenticate with the Payhawk API?

Payhawk uses bearer-token authentication.

How much does the Payhawk API cost?

APIs.io lists 3 pricing plans for Payhawk, with each plan's price, limits and inclusions under Pricing on this page.

Does Payhawk have an MCP server?

Yes. APIs.io lists 1 MCP server for Payhawk: Remote MCP server at mcp.payhawk.com over HTTP.

Is the Payhawk API ready for AI agents?

Payhawk has a Kin Score of 25.2 out of 100 (emerging) and an Agent Readiness score of 15.4 (agent-aware), scored by API Evangelist on 2026-11-13.

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