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Payhawk SCIM guide

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How to automate Payhawk user provisioning, and what it actually costs

Summary and recommendation

Payhawk, the corporate card and expense management platform, does not offer SCIM provisioning on any plan. While Payhawk supports SAML 2.0 SSO with major identity providers including Okta, Microsoft Entra, and Google Workspace, this only handles authentication through their Amazon Cognito implementation. User provisioning, deprovisioning, and attribute updates must all be handled manually through the Payhawk admin interface, creating a significant operational burden for IT teams managing employee onboarding and offboarding.

This limitation is particularly problematic for corporate card platforms where rapid provisioning and deprovisioning directly impacts financial security. When employees leave or change roles, IT teams must remember to manually revoke access to corporate cards and expense reporting—a process that's both error-prone and creates compliance risks. The gap between SSO authentication and actual user lifecycle management means organizations lose the automation benefits that make SCIM essential for financial applications.

The strategic alternative

Stitchflow provides SCIM-level provisioning through resilient browser automation for Payhawk without requiring enterprise-level contracts or custom pricing negotiations. Works with any Payhawk plan and any identity provider. Flat pricing under $5K/year, regardless of team size.

Quick SCIM facts

SCIM available?No
SCIM tier requiredN/A
SSO required first?No
SSO available?Yes
SSO protocolSAML 2.0
DocumentationNot available

Supported identity providers

IdPSSOSCIMNotes
OktaPayhawk supports SSO with Okta via custom SAML 2.0 app configuration. No pre-built OIN integration. Contact Payhawk Implementation Manager for setup.
Microsoft Entra IDSAML SSO available with Microsoft Entra ID via custom enterprise app. No SCIM provisioning documented. Contact Payhawk for enterprise identity features.
Google WorkspaceVia third-partyNo native support
OneLoginVia third-partyNo native support

The cost of not automating

Without SCIM (or an alternative like Stitchflow), your IT team manages Payhawk accounts manually. Here's what that costs:

Source: Stitchflow aggregate data across apps with 2+ instances, normalized to 500 employees
Orphaned accounts (ex-employees with access)7
Unused licenses12
IT hours spent on manual management/year101 hours
Unused license cost/year$3,925
IT labor cost/year$6,088
Cost of compliance misses/year$1,741
Total annual financial impact$11,754

The Payhawk pricing problem

Payhawk gates SCIM provisioning behind premium plans, forcing significant cost increases for basic user management.

Tier comparison

PlanPriceSSOSCIM
StarterCustom pricing

Pricing and provisioning features

PlanPricingSCIMSSO
StarterCustom pricing❌ Not available✓ SAML 2.0

All Payhawk plans require custom quotes based on admin seats, card volume, and transaction processing needs. The promotional rate of £149/month (24-month commitment) provides a baseline, but enterprise deployments typically cost significantly more.

What this means in practice

Complete manual provisioning: Every user must be manually created, updated, and deprovisioned in Payhawk. For corporate card and expense management platforms, this creates significant overhead since employee turnover directly impacts financial system access.

SSO authentication only: While SAML SSO works with Okta, Entra ID, Google Workspace, and JumpCloud, it only handles authentication. User accounts must already exist in Payhawk before SSO can be used - there's no just-in-time provisioning.

Financial compliance risk: Manual user management in expense systems creates audit trail gaps. Terminated employees may retain access to corporate cards or expense reporting if IT doesn't coordinate deprovisioning with finance teams.

Additional constraints

Implementation manager dependency
SSO setup requires coordination with Payhawk's implementation team, not self-service configuration
Amazon Cognito backend
Authentication flows through AWS Cognito, adding another layer between your IdP and the application
No API automation
No documented APIs for user management automation, limiting integration options
Finance-IT coordination required
Card issuance and expense access changes require manual coordination between departments

Summary of challenges

  • Payhawk does not provide native SCIM at any price tier
  • Organizations must rely on third-party tools or manual provisioning
  • Our research shows teams manually provisioning this app spend significant hidden costs annually

What Payhawk actually offers for identity

SAML SSO (Custom pricing)

Payhawk supports SAML 2.0 authentication through their Amazon Cognito integration:

SettingDetails
ProtocolSAML 2.0
Supported IdPsOkta, Microsoft Entra ID, Google Workspace, JumpCloud
ConfigurationContact Implementation Manager for setup
Entity IDurn:amazon:cognito:sp:eu-central-1_mcW4Iwl7p
User requirementManual provisioning required

Critical limitation: Payhawk's SSO only handles authentication. There's no automated user provisioning - every employee must be manually added to the platform before they can authenticate via SSO.

No SCIM Provisioning

Payhawk doesn't offer SCIM provisioning at any tier:

No automated user creation or deactivation
No group synchronization
No profile attribute mapping
Manual user management required for all identity lifecycle events

Okta Integration

No pre-built Okta Integration Network (OIN) app exists for Payhawk. SSO requires custom SAML 2.0 configuration with manual setup assistance from Payhawk's Implementation Manager.

Why This Falls Short

For corporate card and expense management platforms, manual user provisioning creates significant operational overhead. When employees join, leave, or change roles, IT teams must separately manage their Payhawk access alongside their corporate card assignments - a process ripe for security gaps and administrative mistakes.

What IT admins are saying

Payhawk's lack of automated provisioning creates manual work for IT teams managing corporate card access:

  • Manual user provisioning required despite SSO availability
  • No automated onboarding/offboarding for expense management access
  • Custom pricing makes budget planning difficult without sales engagement
  • Identity management limited to authentication only - no account lifecycle automation

SAML SSO with Okta, Azure AD (Microsoft Entra), Google Workspace, JumpCloud... Contact Implementation Manager for SSO setup.

Payhawk documentation

Custom pricing based on admin seats, cards, and transaction volume... contact sales

Payhawk pricing page

The recurring theme

While Payhawk supports SSO for streamlined login, IT teams still manually manage user accounts for corporate card and expense access. Every new hire or departure requires separate provisioning steps outside the identity provider workflow.

The decision

Your SituationRecommendation
Small finance team (<20 users) with stable staffManual management is acceptable
Growing company with frequent employee onboardingUse Stitchflow: automation essential for scaling
Enterprise with compliance requirementsUse Stitchflow: automation essential for audit trail
Multi-subsidiary organizationsUse Stitchflow: automation strongly recommended
Companies prioritizing security hygieneUse Stitchflow: automated deprovisioning prevents card access issues

The bottom line

Payhawk offers solid corporate card and expense management, but it's stuck in manual provisioning mode with no SCIM support. For finance teams managing employee card access at scale, Stitchflow eliminates the risk of former employees retaining corporate card privileges through automated user lifecycle management.

Automate Payhawk without third-party complexity

Stitchflow delivers SCIM-level provisioning through resilient browser automation, backed by 24/7 human in the loop for Payhawk at <$5K/year, flat, regardless of team size.

Works alongside or instead of native SCIM
Syncs with your existing IdP (Okta, Entra ID, Google Workspace)
Automates onboarding and offboarding
SOC 2 Type II certified
24/7 human-in-the-loop monitoring
Book a Demo

Technical specifications

SCIM Version

Not specified

Supported Operations

Not specified

Supported Attributes

No SCIM provisioning documentedSAML SSO onlyCentral user management through IdP for authentication onlyCustom pricing - contact sales

Plan requirement

Not specified

Prerequisites

Not specified

Key limitations

  • No SCIM provisioning documented
  • SAML SSO only
  • Central user management through IdP for authentication only
  • Custom pricing - contact sales

Documentation not available.

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Last updated: 2026-01-11

* Pricing and features sourced from public documentation.

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