Payhawk

Payhawk is an AI-native spend management platform for finance teams. Founded in 2018 and headquartered in Sofia, Bulgaria, it consolidates business spending - bills, corporate cards, expenses, travel and procurement - into a single system that provides control, visibility and automation. The platform is used by scaling businesses in more than 32 countries, and the company operates from eight offices worldwide.

The company works across fintech, payments technology, financial software and spend management automation, applying AI and machine learning to business payments and expense processes. Its stated ambition is to become "the world's biggest bank without holding a single cent", with a mission of building technology around business payments. Payhawk positions its product against traditional financial tools by emphasising simplicity over complexity.

Payhawk grew from two founders to a team of more than 250 employees, known internally as Payhawkers, and reached unicorn status - the first Bulgarian company to do so. It is venture-backed. The company describes its ethos as collaborative, framing its work with customers and colleagues as navigating change together.