In a significant leap forward for corporate finance management, Payhawk, a leading finance orchestration and spend management platform, has unveiled its Fall ’25 Product Edition. This latest release introduces a groundbreaking "AI Office of the CFO" stack, featuring four sophisticated artificial intelligence agents. These specialized agents — for Financial Controller, Procurement, Travel, and Payments — are meticulously designed to automate a myriad of everyday finance tasks, seamlessly integrating with a company’s existing roles, policies, and approval hierarchies.
The advent of these AI agents marks a pivotal shift in how businesses approach financial operations. Employees can now initiate requests using natural language, and the AI agents will intelligently guide them through the entire process, efficiently gathering necessary approvals in the background. This intuitive interaction model promises to drastically reduce friction and manual effort. Payhawk emphasizes that these agents are engineered to learn and adapt to user preferences over time, continually enhancing their speed and efficiency in task completion.
The Evolution of Enterprise AI in Finance
Hristo Borisov, CEO and co-founder of Payhawk, underscored the critical distinction of their offering. “Enterprises don’t need more chat, they need outcomes,” Borisov stated. He highlighted a common challenge with many AI solutions in the market today: a deficiency in enterprise-grade capabilities such as robust permissions, stringent policies, multi-tenancy support, comprehensive audit trails, and stringent data security standards. These features are absolutely paramount when dealing with sensitive business payments and financial data. Payhawk’s AI agents are built from the ground up to operate within these crucial controls, ensuring that automated tasks are not only efficient but also fully compliant and secure. This approach guarantees that simplifying processes for employees simultaneously aligns with the financial integrity and strategic goals of the business.
A cornerstone of Payhawk’s design philosophy is the agents’ ability to operate strictly within a company’s defined roles and permissions. This ensures that all data remains securely within the platform, and every action performed by an agent is meticulously logged, providing an immutable audit trail. This level of transparency and control is vital for regulatory compliance and internal governance. Each of the four agents is specialized to streamline particular finance-related workflows, addressing common pain points across various departments.
Introducing the Specialized AI Agents
The Financial Controller Agent
Designed to accelerate the often laborious month-end closing process, the Financial Controller Agent automates crucial tasks that typically consume significant human effort. This includes proactively chasing outstanding receipts, automatically uploading necessary documents directly from vendor portals, identifying and flagging financial anomalies for review, and escalating reminders as needed. Payhawk reports that with the integration of this agent, the time taken for expense submissions can be reduced by half, allowing finance teams to focus on more strategic analytical work rather than administrative overhead.
The Procurement Agent
The Procurement Agent revolutionizes the purchasing process by allowing employees to simply articulate their needs in natural language. The agent then intelligently gathers relevant context, applies predefined budget and company policy rules, and efficiently routes approval requests to the appropriate stakeholders. Furthermore, it possesses the capability to automatically increase card limits when necessary or create purchase orders, significantly diminishing the reliance on cumbersome manual forms and ticket systems. This streamlined approach is projected to reduce the request-to-purchase time by an impressive 60 percent, fostering greater agility in procurement operations.
The Travel Agent
Managing corporate travel expenses and bookings can be a complex and time-consuming endeavor. The Travel Agent simplifies this by handling travel bookings, diligently ensuring that all arrangements strictly adhere to company travel policies and align with individual user preferences. Beyond booking, it automatically generates comprehensive trip reports and intelligently groups all related expenses, facilitating a one-click approval process and seamless export to the company’s Enterprise Resource Planning (ERP) system. This automation is estimated to save employees and finance teams up to 90 minutes per business trip, enhancing productivity and reducing administrative burdens.
The Payments Agent
Functioning as an automated, always-on helpdesk, the Payments Agent provides instant answers and resolutions to common payment-related issues. Whether it’s inquiries about failed transactions, details on blocked cards, or updates on pending reimbursements, the agent offers immediate support, freeing up human finance team members from repetitive queries. Payhawk estimates that this agent can effectively deflect approximately 40 percent of typical helpdesk inquiries, allowing finance personnel to dedicate their expertise to more complex financial challenges.
Broader Platform Enhancements
Beyond the introduction of these innovative AI agents, Payhawk’s Fall ’25 Product Edition delivers additional significant enhancements to its platform. A key new feature is the launch of global payments at a highly competitive 0.3% FX rate, supporting transactions in an impressive 115 currencies. This service is offered through a strategic partnership with JP Morgan Payments, leveraging their extensive global payment infrastructure. Furthermore, the release includes enhanced role and permission controls, providing businesses with more granular management capabilities over user access and functionalities. These platform improvements, alongside the new AI agents, are designed to create a more robust, efficient, and user-friendly finance and spend management ecosystem. Payhawk is scheduled to host a dedicated product showcase on October 2, 2025, to provide a detailed demonstration of all these new features and their benefits.
