Expensify vs Pleo

Expensify is expense and spend management software for expense reports, corporate cards, travel booking, reimbursements, bill pay, invoicing and chat. SmartScan extracts receipt details, codes expenses, matches card transactions when available and flags prohibited purchases at the line-item level. Expensify Travel supports policy-controlled booking for flights, hotels, cars and rail. Customers can import card feeds from more than 10,000 banks without adopting the Expensify Card. Listed integrations span accounting, ERP, HR, payroll, travel, banking and consumer apps, including QuickBooks, NetSuite, Xero, Sage Intacct, Workday and Gusto; a self-service API is free. The free Submit plan includes receipt scanning, mileage tracking, expense reports and personal card import. Collect is listed at $5 a month per unique member for customers whose first workspace was created on or after April 1, 2025. Expensify states it is PCI-DSS Level 1, SOC 1 Type II and SOC 2 Type II compliant. It is not an accounting ledger, tax filing service, bank or credit issuer.

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.