Pleo
Payment card issuance software
Spend management software
Invoice management software
Expense management software
Travel & expense software
Payment software
Procurement software
Accounting & finance software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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$39 per month
Free Trial
Free version unavailable
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What is Pleo
Pleo is a spend management platform that provides company payment cards and workflows for capturing receipts, categorizing transactions, and controlling employee spending. It is used by finance teams to manage day-to-day business expenses, reimbursements, and approvals across employees and departments. The product combines card issuance (physical and virtual), expense reporting automation, and integrations to accounting systems to support month-end close and policy compliance.
Integrated cards and expense capture
Pleo combines company cards with in-app receipt capture and transaction matching, reducing manual expense report work. Finance teams can set card-level controls such as spending limits and merchant restrictions to enforce policy at the point of purchase. The workflow supports faster visibility into employee spend compared with approaches that rely on reimbursements and after-the-fact auditing.
Policy controls and approvals
The platform supports configurable approval flows and spend rules to route purchases and exceptions to the right approvers. It provides audit trails for transactions, receipts, and approvals, which helps with internal controls. These capabilities align with common requirements for mid-market finance teams that need governance without building custom processes.
Accounting system integrations
Pleo integrates with common accounting and finance tools to export transactions, categories, and supporting documents. This can reduce re-keying and improve consistency of coding across teams. Integration-based workflows help finance teams reconcile card spend and close books more efficiently than standalone card programs.
Geographic availability constraints
Pleo’s card and banking-related features depend on local regulatory coverage and partner availability, which can limit where it can be deployed. Organizations with entities across many countries may need different setups per region. This can add complexity compared with platforms designed for broader global issuing and multi-region payment coverage.
Not a full payment gateway
While it supports business spending and card-based payments, it is not primarily designed as an online payment acceptance gateway for merchants. Companies needing advanced acquiring, checkout optimization, or complex payment orchestration typically require separate payment processing infrastructure. This can lead to a multi-vendor stack for firms that need both spend management and payment acceptance.
Procurement depth may vary
Pleo supports spend controls and some purchasing workflows, but it may not replace dedicated procurement suites for complex sourcing, supplier management, and contract lifecycle management. Larger organizations with formal procurement operations may find gaps in advanced purchasing controls and supplier onboarding. In those cases, Pleo is often used alongside specialized procurement and ERP tools rather than as the system of record.
Plan & Pricing
| Plan | Price | Key features & notes |
|---|---|---|
| Essential | $45 per month (billed monthly) or $39 per month (billed annually) — 3 users included; $11/additional user per month | Physical and virtual Pleo cards; Accounting system integrations; Live chat support; Reimbursements (0.9% fee, max $1 per reimbursement); Mileage; Flexible card limits; Approval workflows; Recurring vendor tracking. |
| Advanced | $109 per month (billed monthly) or $99 per month (billed annually) — 3 users included; $15/additional user per month | Everything in Essential, plus 0.5% cashback (for eligible customers); Multi-entity management; Advanced card controls; Budgets; HRIS integrations; Phone support (for eligible customers). |
| Beyond | $219 per month (billed monthly) or $199 per month (billed annually) — 3 users included; $18/additional user per month | Everything in Advanced, plus 0.75% cashback (for eligible customers); AI expense review; Spending insights; Purchase orders; Assisted onboarding; Concierge support; Customer Success Manager (for eligible customers). |
Notes: foreign exchange fees shown on Pleo site: Card payments and invoice payments FX fee 1.99%. Some legacy/region-specific plans (e.g., Starter or free tiers) are referenced in Pleo Help as legacy plans for older accounts, but current US pricing page lists Essential/Advanced/Beyond as above.
Seller details
Pleo Technologies A/S
Copenhagen, Denmark
2015
Private
https://www.pleo.io
https://x.com/pleo
https://www.linkedin.com/company/pleo/
