Spendesk vs Pleo

Spendesk8.6Visit Pleo8.5Visit

Higher score Spendesk #6 in Corporate Card Software 8.6/10 Pricing on request ✓ 1 of 5 features Visit Spendesk

vs

Pleo #7 in Corporate Card Software 8.5/10 Paid ✓ 1 of 5 features Visit Pleo

• Spendesk fits best

  Finance teams needing flexible virtual cards

• Pleo fits best

  Established teams needing cards and AP coverage

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Side by side

Feature	Spendesk 8.6/10 Visit ↗	Pleo 8.5/10 Visit ↗
At a glance
Editor score	8.6	8.5
Ranking	#6 in Corporate Card Software	#7 in Corporate Card Software
Best for	Finance teams needing flexible virtual cards	Established teams needing cards and AP coverage
Pricing model	Paid	Paid
Starting price	—	$14/user/mo
Free plan	—	—
Free trial	—	—
Deployment	Cloud, Mobile	Cloud, Mobile
Platforms	Web, iOS, Android	Web, iOS, Android
Integrations	9 integrations	8 integrations
Features Spendesk 1/5 · Pleo 1/5
Physical cards	Not checked yet	Not checked yet
Virtual cards	Not checked yet	Not checked yet
Spend controls	Not checked yet	Not checked yet
Approval workflows	✓	✓
Receipt capture	Not checked yet	Not checked yet
Specs
Supported currencies	Not checked yet	Not checked yet
Our review
Pros	Physical, single-use, recurring, and multi-use virtual cards Approval workflows with conditions, thresholds, and sequential steps Cards, expenses, invoices, reimbursements, and budgets in one system	Physical and virtual cards with limits, budgets and approval workflows Combines expenses, reimbursements, mileage and accounts payable Supports multi-currency spending plus eight accounting and HRIS integrations
Cons	Quote-based pricing requires a sales conversation Accounts Payable and payment capabilities vary by module or region The broad feature set may exceed the needs of simple card programs	No free plan, with pricing starting at USD 14 per user monthly Build and Optimise pricing shown with a three-user minimum Supplier invoice payments are unavailable to US customers
Our verdict	Spendesk is a spend management platform for finance teams and employees. It combines physical corporate cards, virtual cards, approval workflows, budgets, supplier invoices, expense claims, reimbursements, receipt capture, reporting,… Read the review →	Pleo brings company cards, expense management, reimbursements and accounts payable into one spend-management platform for businesses and finance teams. Employees can use physical or virtual cards, submit out-of-pocket expenses, manage… Read the review →

Strengths and trade-offs

• Spendesk — where it wins

  • Physical, single-use, recurring, and multi-use virtual cards
  • Approval workflows with conditions, thresholds, and sequential steps
  • Cards, expenses, invoices, reimbursements, and budgets in one system

  Where it doesn't

  • Quote-based pricing requires a sales conversation
  • Accounts Payable and payment capabilities vary by module or region
  • The broad feature set may exceed the needs of simple card programs

• Pleo — where it wins

  • Physical and virtual cards with limits, budgets and approval workflows
  • Combines expenses, reimbursements, mileage and accounts payable
  • Supports multi-currency spending plus eight accounting and HRIS integrations

  Where it doesn't

  • No free plan, with pricing starting at USD 14 per user monthly
  • Build and Optimise pricing shown with a three-user minimum
  • Supplier invoice payments are unavailable to US customers

• Spendesk8.6/10 · Pricing on request

  A broad corporate spending platform for finance teams that need flexible card controls.

  Visit SpendeskFull verdict →
• Pleo8.5/10 · Paid

  A broad spend platform for established teams that need cards, controls and AP tools.

  Visit PleoFull verdict →