Pleo vs Torpago
Pleo
pleo.ioTorpago
torpago.comSide by side
| Figure | Pleo | Torpago |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 5 | 0 |
| Spec score · Corporate Card Software | 8.7 (#5) | 6.8 (#21) |
| API | Pleo provides a public developer API, while its legacy token API is deprecated and scheduled for retirement. | Torpago describes custom API integrations and an open API for extending workflows. |
| Founded | 2015 | 2020 |
| Headquarters | Pleo's headquarters are in Copenhagen, Denmark. | Burlingame, California, United States |
| Integrations | Published integrations include Xero, NetSuite, QuickBooks, SAP SuccessFactors, FreeAgent, Xledger, Twinfield and BambooHR. | The spend management page names NetSuite, QuickBooks, and Gusto, and describes ERP, accounting, HR, API, and data import/export integrations. |
| Reimbursements | Out-of-pocket expenses, mileage and per-diems can be submitted, reviewed and paid through Pleo. | Employees can submit reimbursement requests while finance tracks approvals, payouts, and reports. |
| Security | Pleo states that it is PCI DSS certified, uses PSD2 strong customer authentication and issues cards through Mastercard. | Torpago says its bank platform uses encryption at rest and SOC 2-aligned operational practices. |
| Support | All three listed plans include email support; live chat support is included only in Optimise. | Torpago advertises 24/7 cardholder support by phone, email, and live chat for its bank program services. |
Plans
Pleo
- Start£8 a month
- Build£14 a month
- Optimise£18 a month
- Scale$249 a month
- Lead$499 a month
In their own words
Pleo
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.
Torpago
Torpago is a white-label web and mobile platform for banks launching branded business credit-card and spend-management programs. It combines spend controls, approvals, bill pay, reimbursements, and physical and virtual cards. Transaction tools provide real-time tracking, categorization, policy flags, search, and history. Receipt handling includes capture, storage, transaction matching, OCR, verification workflows, and email receipt processing. Expense approvals can follow configurable multi-level or team-based routes with notifications, reminders, and delegation. Reporting covers spend analytics, custom reports, exports, live dashboard snapshots, and statement generation. Employees submit reimbursement requests while finance tracks approvals, payouts, and reports. Policy features support creation, enforcement, approval routing, compliance monitoring, and violation reporting. Torpago names NetSuite, QuickBooks, and Gusto integrations, plus an open API, custom API integrations, and import/export tools. It describes encryption at rest and SOC 2-aligned operations. The platform runs on Android, iOS, web, and API access. Pricing is on request, with the site directing visitors to request a demo.