Emburse Spend vs Pleo

Emburse Spend is a spend management platform for small and growing businesses, covering card expenses, reimbursements, receipts, approvals, and reconciliation. It checks expenses against company rules, routes approvals, and can flag or block spending under configured policies. AI extracts receipt details and matches receipts to transactions. Businesses can connect existing cards and, through eligible programs, issue virtual cards with spending limits, expiry dates, merchant controls, and category controls. Accounting connections include QuickBooks, NetSuite, Sage Intacct, and Xero, with customizable exports for other accounting systems. The product also connects with Salesforce and Slack and syncs receipts from Amazon Business and Uber. Its iOS and Android apps support receipt capture, expense completion and submission, approvals, and card management. Basic costs $8 a month, billed per user/month, and includes ACH reimbursements up to 50. Plus costs $12 a month, billed per user/month, with unlimited ACH reimbursements. Custom pricing is on request. Companies based in the United States and Australia can use the product in English. Very small organizations may qualify for a 30-day free trial after completing an eligibility form. All plans include 24/7 online support access and the Emburse Help Center.

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.