Verified provider profile

Payhawk

Payhawk is a European (EEA-based) fintech-infrastructure provider (Spend management). Verified at source - licence, regulator and registry reference. Active

EU core · Bulgaria / UKEEA data: PartialLicence: EMIVerified at source 2026-06-25
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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)
  • Ownership / control: no change of control on record

What Payhawk does

Spend management

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 How we verify → · Official website: payhawk.com · Spotted something out of date? Report a correction.

Official register entries

  • E-money institution (EMI) - Bank of Lithuania · Ref LB002200 · Active (EBA PSD2 register, as of 2026-09-18)
  • E-money institution (EMI) - Financial Conduct Authority (FCA) · Ref 987096 · Active (FCA Financial Services Register, as of 2026-09-18)

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)

Similar verified European providers

  • Eurowag EU core EMI Czechia · EEA: YesShared: Spend management
  • Finom EU core EMI Netherlands · EEA: YesShared: Spend management
  • Juni EU core EMI Sweden · EEA: YesShared: Spend management
  • Mooncard EU core EMI France · EEA: YesShared: Spend management
  • Pleo EU core EMI Denmark · EEA: YesShared: Spend management
  • Pliant EU core EMI Germany · EEA: YesShared: Spend management

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.

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