AI visibility report

payhawk

payhawk.com · Last audited May 3, 2026

AIO score

Strong

77 / 100

Ghost Test

No gaps

0 / 4

key questions AI crawlers couldn't answer

Summary

payhawk.com is in good shape for AI crawlers (AIO 77/100). The most room to improve is Renderability & JS (6/20). AI crawlers can find the pricing, the main features, a description of what the company does and a description of what the company does in the HTML your server sends.

Top fixes

Score breakdown

What's working

  • Technical & crawlability: 25/25
  • Structure & readability: 24/30
  • Metadata & consistency: 22/25

How the score is calculated

Ghost Test: can AI crawlers answer buyer questions?

We ask an AI model each question twice: once using only the HTML a crawler like GPTBot receives, and once using the page as visitors see it after JavaScript runs. A question is flagged when only the visitor version can answer it.

What is the pricing? OK

Page: https://payhawk.com/pricing

Both versions could answer: AI crawlers get the same information visitors do.

Answer from what the AI crawler sees

01  Payhawk pricing is flexible and tailored to fit your business needs. You can start with one plan, combine two, or get the whole platform for best value. The Growth Program is available for £149/month, designed for small businesses, offering essential tools at an affordable price.

Answer from what visitors see

01  Pricing for Payhawk is as follows:
02  
03  - **Payhawk Complete**: Starting at $299/mo
04  - **Cards & Expenses**: Starting at $449/mo
05  - **Bill Payments**: Starting at $349/mo
06  - **Procure to Pay**: Starting at $499/mo
07  
08  Additional details about pricing flexibility and options for combining plans are also provided.
What are the main features? OK

Page: https://payhawk.com/product

Both versions could answer: AI crawlers get the same information visitors do.

Answer from what the AI crawler sees

01  The main features include:
02  
03  1. Virtual Cards - Generate virtual cards for online payments with strict spending rules and budgets.
04  2. Physical Cards - Issue corporate visa cards to employees with built-in spend rules and real-time receipt collection.
05  3. Team Cards - Provide unique card numbers for employees spending from a shared budget, ideal for managing subscriptions and project-based spending.

Answer from what visitors see

01  The main features of Payhawk include:
02  
03  1. **Expense Management**: Advanced workflows for defining spend policies and approval flows, with real-time notifications for budget owners.
04  2. **Corporate Visa Cards**: Issuance of virtual and physical corporate cards with strict spending rules and real-time receipt collection.
05  3. **Invoice Management**: Automatic data extraction and reconciliation from invoices in over 60 languages using OCR and machine learning.
06  4. **Bill Payments**: Fast and easy payments with dedicated IBANs for SEPA Instant and Faster Payments.
07  5. **Integrations**: Seamless syncing of expenses and receipts with ERP systems and accounting software, ensuring data accuracy.
What integrations are listed? OK

Page: https://payhawk.com/integrations

Both versions could answer: AI crawlers get the same information visitors do.

Answer from what the AI crawler sees

01  The integrations listed are:
02  
03  1. Sage Intacct
04  2. Pennylane
05  3. NetSuite
06  4. Microsoft Dynamics 365 Business Central
07  5. Microsoft Dynamics 365 Finance
08  6. Xero
09  7. Exact online
10  8. DATEV
11  9. QuickBooks
12  10. 60 dias (VAT reclaim)
13  11. Egencia (Business travel)
14  12. TravelPerk (Business travel)
15  13. Okta (SSO/Authentication)
16  14. Microsoft Azure (SSO/Authentication)
17  15. Google Workspace (SSO/Authentication)
18  16. Embat

Answer from what visitors see

01  - Sage Intacct
02  - Pennylane
03  - NetSuite
04  - Microsoft Dynamics 365 Business Central
05  - Microsoft Dynamics 365 Finance
06  - Xero
07  - Exact online
08  - DATEV
09  - QuickBooks
10  - 60 dias
11  - Egencia
12  - TravelPerk
13  - Okta
14  - Microsoft Azure
15  - Google Workspace
16  - Embat
17  - Excel and CSV
18  - Developer APIs
What security or compliance claims are present? OK

Page: https://payhawk.com/trust

Both versions could answer: AI crawlers get the same information visitors do.

Answer from what the AI crawler sees

01  Payhawk has several security and compliance claims, including:
02  
03  1. **Electronic Money Institution (EMI) License** - Allows Payhawk to issue electronic money in the European Economic Area and the UK, involving a rigorous security review process.
04  2. **Visa Principal Member** - Enables direct issuance of Visa cards, providing greater control over payment infrastructure.
05  3. **PCI DSS Level 1 Certification** - Ensures high-level security for payment card information.
06  4. **ISO 27001 Certification** - Demonstrates adherence to internationally recognized information security practices.
07  5. **SOC 1 Type 2 Report** - Addresses internal controls over financial reporting.
08  6. **SOC 2 Type 2 Certification** - Indicates implementation of controls for security, availability, processing integrity, confidentiality, and privacy of customer data.
09  7. **Annual Penetration Testing** - Conducts internal and external penetration testing to ensure system safety and reliability.
10  8. **GDPR Compliance** - Ensures careful handling of personal data in accordance with GDPR guidelines.
11  9. **Data Processing Addendum (DPA)** - Related to data protection practices.
12  10. **DORA Compliance** - Adopts the Digital Operational Resilience Act for ICT risk management.
13  11. **CSA STAR Level 1 Certification** - Reflects commitment to cloud security and transparency.
14  12. **Review CAIQ IDW PS 880** - Confirms compliance with German auditing standards for data integrity and secure document management.

Answer from what visitors see

01  Payhawk has the following security and compliance claims:
02  
03  1. **Electronic Money Institution (EMI) License** - Certified in the European Economic Area and the UK via FCA.
04  2. **Visa Principal Member** - Ability to issue Visa cards directly.
05  3. **PCI DSS Level 1** - Certification ensuring high-level security for payment card information.
06  4. **ISO 27001** - Adherence to internationally recognized information security practices.
07  5. **SOC 1 Type 2** - Report addressing internal controls over financial reporting.
08  6. **SOC 2 Type 2** - Certification for security, availability, processing integrity, confidentiality, and privacy of customer data.
09  7. **GDPR Compliant** - Handling personal data with care and in accordance with GDPR guidelines.
10  8. **DORA Compliant** - Adherence to the Digital Operational Resilience Act.
11  9. **CSA STAR Level 1** - Commitment to cloud security and transparency.
12  10. **IDW PS 880** - Compliance with German auditing standards for data integrity and secure document management.
13  
14  Additionally, Payhawk conducts regular internal audits, penetration testing, and has a risk management framework in place. They also have a corporate data protection policy and ensure compliance with EU data protection standards.

Page-by-page breakdown

Each sampled page, scored on what an AI crawler receives before any JavaScript runs.

Audit scope

Pages sampled
12
How pages were found
XML sitemap and homepage links
Coverage · certainty
complete · high

No crawl warnings: every sampled page loaded.

Compare to peers

Can AI assistants open this site?

This report shows what AI crawlers read. It doesn’t test whether ChatGPT, Claude and Perplexity get past the site’s firewall when a person asks them about a page. If this is your company, the Threshold Test checks each assistant against your key pages and tells you what to change. It’s free once you’ve claimed this profile.

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Report FAQ

What is the Ghost Test?

The Ghost Test checks whether an AI crawler can answer the questions buyers ask, such as pricing and main features. We ask an AI model each question twice about the page most likely to answer it: once using only the HTML the server sends (what crawlers like GPTBot read, since they don't run JavaScript), and once using the page as visitors see it. A question is flagged as a gap when only the visitor version can answer it.

Does a gap mean an AI hallucinated about this company?

No. A gap means the information exists on the site but AI crawlers can't read it without running JavaScript. That raises the risk that an AI assistant guesses or leaves the fact out, but it is not a record of a specific wrong answer.

How is the AIO score calculated?

The AIO score adds up four pillars: technical & crawlability (25 points), renderability (20), structure (30) and metadata (25). Each is scored on the HTML AI crawlers receive. The methodology page lists every check.

What do coverage and certainty mean?

Coverage describes how many of the site's important pages the audit managed to sample; certainty describes how consistent the evidence was. Lower values mean the report is directional and worth re-running.

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