Payhawk
Payhawk is a European (EEA-based) fintech-infrastructure provider (Spend management). Verified at source - licence, regulator and registry reference. Active
Who it's for
Payhawk is built for finance teams managing company cards, expenses and budgets. It holds its own e-money licence, so programmes can run under its umbrella with safeguarded client funds.
Sovereignty profile
- Data residency (EEA): Partial - partly in the EEA - check the rail
- Company origin: EU core (Bulgaria / UK)
What Payhawk does
Verified licence profile
Payhawk (Bulgaria + UK) - AI-native spend management. Own EMI: Bank of Lithuania (EEA) + UK FCA; also distributes e-money as agent of Paynetics (BG). J.P. Morgan partner.
Verified 2026-06-25. How we verify → · Spotted something out of date? Report a correction. · Are you Payhawk? Work with us →
Official register entries
- E-money institution (EMI) - Bank of Lithuania · Ref LB002200 · Active (EBA PSD2 register, as of 2026-07-18)
- E-money institution (EMI) - Financial Conduct Authority (FCA) · Ref 987096 · Active (FCA Financial Services Register, as of 2026-07-18)
Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.
Built on
- Paynetics (licence-via) — Distributes e-money as agent of Paynetics (BG)
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FAQ
Is Payhawk European / EEA-based?
Partly. Payhawk is EU core origin (Bulgaria / UK); part of its rail or data sits outside the EEA - check the licence profile.
What does Payhawk do?
Payhawk covers: Spend management. Verified at source by Fintechnologica.