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Pleo

pleo.io

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Spec score 8.8 #3 of 30 in Restaurant Expense Management Software

What it is

Pleo combines company spending cards with tools for managing business expenses and payments. It supports expense management, reimbursements, cash management, accounts payable, and multi-currency use, with real-time expense tracking and automated expense reports. Depending on the plan, businesses can set card limits, approval workflows, and AI-powered spending guidelines. Pleo lists integrations including Xero, NetSuite, QuickBooks, SAP SuccessFactors, FreeAgent, Xledger, Twinfield, and BambooHR. It runs on the web, Android, and iOS, and provides an API. Pleo says it encrypts data in transit using TLS 1.2 with AES256 and SHA384 and stores and processes customer data in AWS data centers in Ireland. Its listed compliance information includes PCI-DSS, GDPR adherence, Google's Cloud Application Security Assessment, and a Cloud Security Alliance CAIQ self-assessment. Plans start at £8 a month, billed monthly; Build is £14 a month per user, billed yearly, and Optimise is £18 a month per user, billed yearly. A free trial is offered for Start and Build.

Spec sheet

What it does
Pleo is a cloud spend-management platform combining company cards, expenses, reimbursements, invoices, subscriptions and cash management.Read 21 Oct 2026 · linkedin.com
Purpose
Pleo provides company spending cards and spend management tools for businesses.Read 4 Oct 2026 · pleo.io
Trial
The pricing page offers a free trial for Start and Build plans.Read 4 Oct 2026 · pleo.io
API
Pleo provides a public developer API, while its legacy token API is deprecated and scheduled for retirement.Read 21 Oct 2026 · help.pleo.io
Integrations
Published integrations include Xero, NetSuite, QuickBooks, SAP SuccessFactors, FreeAgent, Xledger, Twinfield and BambooHR.Read 21 Oct 2026 · pleo.io
Security
Pleo states that it is PCI DSS certified, uses PSD2 strong customer authentication and issues cards through Mastercard.Read 21 Oct 2026 · pleo.io
Compliance
Pleo lists PCI-DSS, Google's Cloud Application Security Assessment, GDPR adherence and a Cloud Security Alliance CAIQ self-assessment.Read 4 Oct 2026 · pleo.io
Support
All three listed plans include email support; live chat support is included only in Optimise.Read 4 Oct 2026 · pleo.io
Headquarters
Pleo's headquarters are in Copenhagen, Denmark.Read 21 Oct 2026 · linkedin.com
Founded
2015Read 28 Sep 2026 · pleo.io
Accounting integrations
Pleo lists integrations including Xero, NetSuite, QuickBooks, SAP SuccessFactors, FreeAgent, Xledger, Twinfield and BambooHR.Read 4 Oct 2026 · pleo.io
Budget limitation
Soft budgets track tagged spend but do not block transactions, while sub-accounts can decline cards when allocated funds run out.Read 21 Oct 2026 · help.pleo.io
Company cards
It issues physical, virtual, temporary and vendor cards with configurable limits and transaction monitoring.Read 21 Oct 2026 · crunchbase.com
Company founding
Pleo was founded in 2015 by Jeppe Rindom and Niccolo Perra.Read 21 Oct 2026 · crunchbase.com
Company history
Pleo says it was founded in Copenhagen in 2015 by Jeppe Rindom and Niccolo Perra.Read 4 Oct 2026 · pleo.io
Company legal name
The company is listed as Pleo Technologies ApS.Read 21 Oct 2026 · crunchbase.com
Company size
LinkedIn lists Pleo at 501–1,000 employees.Read 21 Oct 2026 · linkedin.com
Customer base
Pleo says more than 40,000 European businesses use the platform.Read 21 Oct 2026 · linkedin.com
Data location
Pleo says customer data is stored and processed in AWS data centers in Ireland (eu-west-1).Read 4 Oct 2026 · pleo.io
Data protection
Pleo says cardholder data is encrypted, stored in a PCI DSS level-1 EEA data centre and transmitted with 2048-bit SSL.Read 21 Oct 2026 · pleo.io
Documentation
Pleo maintains a searchable Help Centre covering setup, cards, expenses, accounting, cash management and troubleshooting.Read 21 Oct 2026 · help.pleo.io
Expense capture
Employees capture receipts in the mobile app and Pleo can automatically match emailed receipts through Fetch.Read 21 Oct 2026 · pleo.io
Expense tracking
Pleo provides real-time expense tracking and automated expense reports.Read 4 Oct 2026 · pleo.io
Features
Its offering includes company cards, expense management, reimbursements, cash management, accounts payable and multi-currency tools.Read 4 Oct 2026 · pleo.io
Invoice automation
Pleo uses OCR for invoice capture and supports approval, scheduling, payment and reconciliation workflows.Read 21 Oct 2026 · pleo.io
Licence and hosting
Pleo is proprietary SaaS rather than an open-source or self-hosted product; its published third-party licence page lists open-source components used inside the service.Read 21 Oct 2026 · pleo.io
Limit: card acceptance
GetApp reviewers mention occasional card-acceptance problems and minor feature gaps.Read 21 Oct 2026 · getapp.com
Limit: integrations and reporting
TrustRadius reviewers identify integration breadth, reporting and analytics, multi-currency support and expense-rule automation as improvement areas.Read 21 Oct 2026 · trustradius.com
Limit: mobile expense clarity
A Google Play reviewer reports difficulty distinguishing card versus personal expenses, reimbursement state and transaction time zones.Read 21 Oct 2026 · play.google.com
Limit: mobile performance
App-store reviewers report slow loading, login failures, glitchy interfaces and occasional receipt-upload failures.Read 21 Oct 2026 · play.google.com
Limit: support
Trustpilot reviews include complaints about slow responses, difficulty reaching support and unresolved payment or unauthorized-transaction issues.Read 21 Oct 2026 · trustpilot.com
MCP
Pleo MCP connects eligible accounts to assistants such as Claude, ChatGPT and Microsoft Copilot for spend and receipt tasks.Read 21 Oct 2026 · help.pleo.io
Multi-entity
The platform supports managing spending across multiple entities from one account.Read 21 Oct 2026 · pleo.io
Plan limit
Build and Optimise require a minimum of three users, while Start has a maximum of one admin.Read 4 Oct 2026 · pleo.io
Praise: automation
Reviewers commonly praise automated receipt handling, bookkeeping workflows and accounting integrations for reducing manual work.Read 21 Oct 2026 · getapp.com
Praise: usability
Independent reviewers repeatedly describe Pleo as intuitive, easy to onboard and simple for receipt submission and expense tracking.Read 21 Oct 2026 · getapp.com
Rating on Apple App Store
4.7 out of 5 from 159 ratingsRead 21 Oct 2026 · apps.apple.com
Rating on Capterra
4.8 out of 5 from 199 reviewsRead 21 Oct 2026 · capterra.com
Rating on G2
4.7 out of 5 from 1,435 reviewsRead 21 Oct 2026 · g2.com
Rating on Gartner Peer Insights
4.5 out of 5 from 11 reviewsRead 21 Oct 2026 · gartner.com
Rating on GetApp
4.8 out of 5 from 199 reviewsRead 21 Oct 2026 · getapp.com
Rating on Google Play
4.6 out of 5 from 3.34K reviewsRead 21 Oct 2026 · play.google.com
Rating on Trustpilot
3.7 out of 5 from 1,582 reviewsRead 21 Oct 2026 · trustpilot.com
Reimbursements
Out-of-pocket expenses, mileage and per-diems can be submitted, reviewed and paid through Pleo.Read 21 Oct 2026 · pleo.io
Service status
On October 21, 2026, Pleo's status page reported full operation and no known incidents.Read 21 Oct 2026 · status.pleo.io
Spend controls
Administrators can set per-card and per-purchase limits, review thresholds, approval flows and budgets.Read 21 Oct 2026 · help.pleo.io
System requirements
The web app recommends current Chrome, Edge, Firefox or Safari and notes that firewalls, blockers and privacy settings can prevent loading.Read 21 Oct 2026 · pleohelp.freshdesk.com
Vendor management
Pleo tracks recurring vendor payments and renewals and offers dedicated vendor cards for subscriptions.Read 21 Oct 2026 · pleo.io
Webhooks
Pleo's public status page lists webhooks as an API-related service component.Read 21 Oct 2026 · status.pleo.io
Who it serves
Pleo says it works with companies of all sizes across every industry.Read 4 Oct 2026 · pleo.io

Plans and prices

Start £8 a month Monthly billing only Per user · Max 1 admin · 1 vendor card · Credit limit up to £5,000 for eligible customers Read 4 Oct 2026 · pleo.io
Build £14 a month Billed yearly Per user · 3 users minimum · Up to 15 vendor cards · Credit limit up to £20,000 for eligible customers Read 4 Oct 2026 · pleo.io
Optimise £18 a month Billed yearly Per user · 3 users minimum · Up to 50 vendor cards · Credit limit up to £100,000 for eligible customers Read 4 Oct 2026 · pleo.io
Scale $249 a month Starting from $249/month 3 included users · 3 minimum users · 100 reimbursement-only users · 200 AI expense reviews/month · 10 transfer rules · 0.90% direct reimbursements Read 21 Oct 2026 · pleo.io
Lead $499 a month Starting from $499/month 5 included users · 5 minimum users · unlimited reimbursement-only users · unlimited virtual cards · unlimited AI expense reviews · 20 transfer rules · 0% direct reimbursements Read 21 Oct 2026 · pleo.io

Every Pleo plan and price →

Strong points and limits

Strong points

  • Real-time expense tracking and automated reports
  • Supports reimbursements and multi-currency tools
  • Integrates with several accounting and business services
  • Offers a free trial for Start and Build

Limits

  • No free plan
  • Build and Optimise require at least three users
  • Live chat support is limited to Optimise
  • Start has a maximum of one admin

Who it suits

Pleo suits businesses looking to manage company spending, expenses, reimbursements, and payments in one service. Build and Optimise require at least three users; Start allows a maximum of one admin.

Verdict

Pleo brings cards, expense workflows, and related business spending tools together, with controls and support varying by plan. Check the user minimums and plan-specific features against your needs.

Where Specifiction places it

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