Mobilexpense vs Payhawk

Declaree

Payhawk

Use your own bank or Amex cards without FX fees

Flexible credit access, credit available to companies of any size

External card integration

Automated VAT recognition and multi-rate split

CO₂ tracking (add-on)

"We probably saved 80% of our time just around matching credit card statements."

Maximilian van Ackeren, Head of SME and Technical Regulation

"I can import expense reports in just a few minutes. It used to take hours"

Betty Bajec, HR and Payroll Administrator

"The app is very easy to understand. It’s really good."

Benjamin Zajonskowski, Project manager at RIL

Automated mileages

Calculate and claim legal mileage rates with our Google Maps integration and add them to your expenses.

Daily allowances

Calculate and claim legal daily allowances. Choose to apply the local legal rates or company-specific rates.

Rules and workflows

Create customised approval and control flows and manage complex approval and escalation workflows.

Expense policies

Implement tailored business rules and spend limits per category for each group of employees.

Multilingual support

Available in 7 languages: English, German, Dutch, French, Italian, Spanish and Portuguese.

Accounting and ERP connection

Automatically push accounting files to and import data from your ERP or payroll software.

Manage all business credit cards online and in real-time

Instantly issue or block business credit cards, manage lost cards, pin codes and more from our online application’s central dashboard. Manage spend and employee cards from one application. And you won't ever have to set foot in a bank.

Automated policy enforcement ensures that expenses are compliant. Combined with a real-time view on expenses, overspending becomes nearly impossible.

Understanding the Dutch Government's CO2 Reporting Requirements

In response to the growing concerns about climate change and the Netherlands' commitment to reducing CO2 emissions, the Dutch government introduced new legislation to monitor and manage the environmental impact of work-related travel. This legislation, known as the "Rapportageverplichting werkgebonden personenmobiliteit (WPM)", mandates organisations with a workforce of 100 or more to provide detailed reports on the CO2 emissions resulting from their employees' business and commuting travels.

Starting from 1 January 2024, if your organisation falls into this category, you'll be required to maintain a record of the CO2 emissions from both business trips and daily commutes of your employees. This data will play a crucial role in the country's efforts to understand and reduce the carbon footprint of work-related travels, which currently account for a significant portion of the total kilometers driven in the Netherlands. The deadline for submitting the required data for the year 2024 is set for 30 June 2025.

This move by the government not only emphasizes the importance of environmental responsibility but also underscores the role employers play in promoting sustainable travel options and practices.

For a comprehensive understanding of these requirements and to ensure your organization remains compliant, the official RVO website offers detailed insights.

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Join the movement of CO2 emissions tracking

CO2 emissions tracking is at the forefront of sustainable business practices. Find out more about what emissions tracking is, why it's necessary, the tools you can use for it and the benefits for your company - and the planet.

"Mobilexpense is a real game-changer for us."

Our Mobilexpense solution is a real game-changer for us. With the convenience of self-issued credit cards for employees and seamless integration of claims data for administration, we not only save valuable time but also have complete control over our expenses. Efficiency and convenience come together in this super service. For our international projects, we now even give temporary cards to freelancers with a set expiry date. For office workers, a virtual card. Super convenient.

"[We] have reduced the time needed to manage expenses by 50%."

The integration of credit cards with the expense application has reduced the amount of lost receipts, accelerated the expense claims and contributes to a general smoothening of our expense management. It was easily deployed and accepted by the people and has reduced the time needed to manage expenses by 50%.

"It's a win-win for efficiency and trust!"

The new Mobilexpense cards provide complete card management for us at Ovotrack, making it super easy to order and distribute new cards, but also to set limits to transactions or monthly spend, and have real-time insight in all transactions. Our employees value their independence and the ability to manage their spending in real-time using either a plastic or virtual card, directly linked to their mobile app. It's a win-win for efficiency and trust!

If you are researching Payhawk competitors or exploring Payhawk alternatives, here is what to consider before choosing the right spend management solution for your business.

Declaree vs. Payhawk: flexibility and cost made simple:

Keep your cards: With Declaree, you can continue using your existing Visa, Mastercard, or Amex cards — no need to switch to a new, proprietary card program.
No hidden FX fees: Avoid the 1–2% foreign exchange markups that often come with other card providers.
Accessible credit: Declaree offers credit flexibility for small and mid-sized companies, while Payhawk’s model typically suits higher-volume spenders using large-scale card programs.

In short, Declaree gives you more freedom, lower costs, and smoother control without the complexity.

Here’s why finance teams across Europe choose Declaree by Mobilexpense:

Made for the mid-market: Fully compliant with European standards, supporting multiple currencies, languages, and local accounting rules.
Simple for everyone: Snap a receipt, automate approvals, and reduce manual work for both employees and finance.
Flexible card model: Integrate your existing Visa, Mastercard, Amex, or AirPlus cards or mix and match as you scale.
Fast rollout: OCR receipt capture, multi-VAT recognition, and policy automation help teams go live quickly without complex projects.
Transparent pricing: No hidden fees or unnecessary markups.
Balanced design: Combines an intuitive mobile experience with powerful finance oversight for complete control and ease of use.

Medium to large European companies, especially finance-led teams, multi-entity organisations, and those scaling across borders, will find Declaree perfectly suited to their needs. Its design and support are built for growth, compliance, and control at every stage of expansion.

Here’s why Declaree is a perfect fit for modern finance teams:

Cross-border ready: Ideal for organisations operating across multiple countries, especially the Netherlands, Belgium, and Germany, with regional compliance built in.
Flexible by design: Keep your existing cards and payment methods instead of being tied to a single proprietary system.
Automation first: Streamline expense workflows, automate VAT handling, and give finance full visibility beyond individual spenders.
Fast to implement: Go live quickly with best-practice templates without the lengthy, multi-quarter projects.

Yes, integration is a core capability of Declaree.

You can connect your existing accounting or ERP system (such as Exact Online, DATEV, Twinfield, and others) to ensure your expense data flows smoothly into your finance workflows.

Behind the scenes, Declaree supports all the essentials (mappings, policy logic, audit-ready data exports, and receipt-matching automation) for true end-to-end efficiency.

So if your team already works within a central finance system, there’s no need to manage expenses separately. Declaree becomes part of your workflow, not a bolt-on.

Declaree by Mobilexpense is a modern, cloud-based expense management platform built for midsize European finance teams.

It’s developed and supported by Mobilexpense, a company dedicated to simplifying expense workflows, automations and compliance across the region.

With Declaree you get user-friendly receipt capture, policy automation, ERP/finance system integrations and local support, all backed by Mobilexpense’s expertise in the field.By choosing Declaree, you’re working with a vendor that treats expense management not just as software, but as a part of your finance operation strategy.

Yes:

If you require extremely heavy customisation or very large enterprise-scale integrations, it is worth reviewing the implementation scope. Declaree is built for mid-market companies and can scale, but if you are an enterprise customer, MXP by Mobilexpense may be a better fit for your needs.
CO₂ and ESG tracking: This functionality is available as an add-on rather than a default feature, so it is not included in every package.

Capterra

OMR

payhawk alternative

Why finance teams look beyond Payhawk

Declaree by Mobilexpense gives finance teams flexible cards, faster automation, and fair pricing — no minimum spend or 2% FX markups. Access the credit you need and connect your existing cards or issue new ones effortlessly.

Spend 95% less time managing travel expenses

Book a demo

Declaree is the fast-lane Payhawk alternative

Keep your own credit cards, settle reports and
automate per diems, VAT, CO₂ tracking.

markup on Mobilexpense credit cards

more accessible credit

card freedom

Declaree vs Payhawk: Compare features directly

Backed by customer testimonials and real-world results

"We probably saved 80% of our time just around matching credit card statements."

"I can import expense reports in just a few minutes. It used to take hours"

"The app is very easy to understand. It’s really good."