Replacement Guide

How to Build Your Own Payhawk

Replace Payhawk with a custom build. Expense management on autopilot with linked business credit cards

Weekend Project
49 features22 integrationsOne weekend

Estimated Timeline

Based on 49 features at Weekend Project difficulty, expect about One weekend with AI-assisted development.

1
Setup & scaffolding
2 hours
2
Core features
4-6 hours
3
Polish & deploy
2 hours

Recommended Tech Stack

Next.js 14

Full-stack React framework with API routes and server components

Supabase

PostgreSQL database, auth, and real-time subscriptions

Tailwind CSS

Utility-first styling for rapid UI development

Key Features to Replicate

Top features across 8 categories. See all 49 features

AI(9 features)

Advanced OCRAI

Advanced optical character recognition for bill and invoice processing

Agentic MemoryAI

AI agent that remembers personal preferences for travel bookings

AI-Powered Data ExtractionAI

Extract and reconcile receipts and invoices using AI with support for 65+ languages

Built-in Agentic PaymentsAI

AI-powered payment processing for travel bookings

Financial Controller AgentAI

AI agent for financial control and oversight

+4 more in this category

Payment(7 features)

Bill Payment

Manage bills, workflows, and supplier payments with end-to-end bill management

Bring Your Own Cards

Connect any existing credit card program to Payhawk

Credit LinePremium

Strategic liquidity on demand with credit facilities safeguarded by J.P. Morgan

Multi-Currency Support

Support for multiple currencies in corporate cards and transactions

Payhawk Cards

Payhawk branded Visa credit cards available in 32 countries

+2 more in this category

Automation(6 features)

2-Way and 3-Way Matching

Automated matching of purchase orders with invoices and receipts

Automated Expense ReportsAI

Automatically generate expense reports from travel and other spending

Automatic CategorizationAI

Automatically categorize expenses and route for approvals

Automatic Receipt Chasing

Automated system to chase and collect missing receipts from employees

Real-time Receipt MatchingAI

Collect receipts at the point of sale and automatically match them to transactions

+1 more in this category

Integration(5 features)

Enterprise HRIS IntegrationsPremium

Integration with Workday, SAP SuccessFactors, UKG, ADP, Ceridian, Paychex, Paylocity

ERP Integrations

10+ native bidirectional ERP integrations including NetSuite, Dynamics Business Central, Microsoft Finance, and Sage Intacct

Export Templates and API

Export data with customizable 'set and forget' template builder supporting unlimited customizations

HRIS Integrations

50+ HRIS and IdP integrations for user provisioning and manager assignment

Live Accounting Integrations

Real-time integrations with Xero, QBO, and Exact Online with unlimited custom exports

Security(4 features)

ISO 27001 Certification

ISO 27001 certification for information security management

PCI DSS Level 1 Security

Industry-leading PCI DSS Level 1 compliance for payment security

SOC 2 Compliance

SOC 2 compliance certification for security and availability

SSO / SAML

Single sign-on support for Okta, Microsoft Entra, GSuite, JumpCloud

Controls(3 features)

Discrepancy Detection

Detect discrepancies in procurement by amount and percentages

Real-time Card Controls

Control every company swipe in real-time without waiting for card statements

Spend Policy Management

Assign spend policies and track budgets in real-time by any dimension or category

Procurement(3 features)

Purchase Intake

Employee-friendly purchase intake for procurement requests

Purchase Order Management

Create and manage purchase orders within the platform

Vendor Management

Manage vendors and verify vendor information

Travel(3 features)

Business Travel Management

Book, pay, and manage compliant business travel anywhere in the world

Custom Travel Policy

Define and enforce custom travel policies for employees

Global Hotel and Flight Booking

Book hotels and flights globally with zero markup

Cost Calculator

Keep Paying Payhawk

Monthly$299/mo
Yearly$3.6k/yr
5-Year Total$17.9k

Build It Yourself

Est. Build Time~4 hrs
Hosting$20/mo
DifficultyVery Easy

Total Cost Comparison

1 YearSave $3.3k
SaaS
$3.6k
DIY
$240
3 YearsSave $10k
SaaS
$10.8k
DIY
$720
5 YearsSave $16.7k
SaaS
$17.9k
DIY
$1.2k

DIY hosting estimate based on Vercel + Supabase free/pro tiers (~$20/mo). Build time estimated from 49 features at very easy complexity.

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