Pleo
pleo.ioBuild Difficulty: 5/5
Build a working replacement in a weekend with AI tools
Smarter spending for your business
How to Replace PleoOverview
Features
55 features across 15 categories
AI(1)
AI-powered analysis and review of expenses for anomalies and policy compliance
Automation(5)
Automatically categorize expenses based on transaction data
Automatic receipt capture in the Pleo app eliminating manual expense reports
Automatically fetches receipts from Gmail, Outlook or Microsoft 365 inbox and matches them with expenses
Optical character recognition to automatically extract data from invoices
Automated receipt reminders to ensure all expenses are documented
Cards(6)
Enhanced controls for card management and usage restrictions
Ability to withdraw cash from ATMs using Pleo cards
Physical Pleo cards for in-person purchases
Virtual cards that can be created temporarily for specific transactions
Dedicated cards for specific vendors with controlled spending
Virtual Mastercard cards issued in seconds for online purchases and instant team access
Cash Management(2)
Interest-free overdraft facility to manage cash flow and prevent declined transactions
Set up automatic rules for transferring funds based on conditions
Core Product(1)
Issue smart company cards with individual spending limits for employees to make work purchases
Expense Management(3)
Simplified invoice management from submission through payment with full AP visibility
Automatic mileage expense calculation based on journey start and end points
Process out-of-pocket employee expenses with direct reimbursements
Integrations(4)
Seamless integration with accounting software for automated data syncing
Export expense data in custom formats for accounting systems
Integration with Human Resources Information Systems for employee data sync
Native integration with NetSuite accounting platform
Organization(5)
Create custom expense categories and tags for better organization
Allow external bookkeepers to access relevant expense data
Manage spending across multiple offices and business entities through one account
Add team members with access to only reimbursement functionality
Manage multiple teams and user groups within the platform
Procurement(1)
Create and manage purchase orders for business spending
Reporting(5)
View and download bank statements from the platform
Admins get real-time details on every purchase with the ability to flag or freeze cards
Analytics and insights into spending patterns and trends
Advanced insights into spending behavior and optimization opportunities
Detailed transaction statements for all card and invoice activity
Rewards(1)
Earn up to 0.75% cashback on card spending with annual plans
Security(2)
Ability to instantly freeze a card if suspicious activity is detected
Single Sign-On authentication for enterprise security
Spend Controls(9)
Enhanced approval workflows with additional customization options
Create multi-step expense approval workflows and thresholds
Set and monitor departmental or team budgets
Set limits on individual purchase amounts
AI-assisted tool to help create and manage spending guidelines
Set customizable spending limits for each employee card
Set and enforce spending guidelines for employees
Create temporary spending limits for specific time periods
Lock vendor cards to specific merchants to prevent unauthorized spending
Support(7)
Guided setup and implementation assistance for new customers
Premium concierge support service for top-tier customers
Dedicated customer success manager for eligible customers
Customer support via email
Quarterly business reviews with executive team
Real-time support via live chat
Dedicated phone support for eligible customers
Vendor Management(3)
Detailed insights into vendor spending patterns and relationships
Track and manage recurring vendor payments
Track and manage subscription and vendor contract renewals
Pricing
Essential
- ✓3 users included
- ✓$11 per additional user per month
- ✓Physical and virtual cards
- ✓Accounting system integrations
- ✓Live support via chat
- ✓Reimbursements
- ✓Mileage
- ✓Flexible card limits
- ✓Approval workflows
- ✓Recurring vendor tracking
- ✓Automated receipt reminders
- ✓Email receipt capture
- ✓Fetch out-of-pocket expense reporting
- ✓Real-time overview of all expenses
- ✓Spend analytics
- ✓Individual card limits
- ✓Card limits per purchase
- ✓Temporary limits
- ✓Spending guidelines
- ✓Vendor locks
- ✓Transfer rules (1)
- ✓Custom accounting exports
- ✓Custom categories and tags
- ✓Auto-categorisation
- ✓OCR for receipts
- ✓External bookkeeper access
- ✓Teams management
- ✓Reimbursement-only users
- ✓Bank statement
- ✓Transaction statement
- ✓SAML SSO
- ✓Email support
- ✓Help center
- ✓Card payments foreign exchange fee: 1.99%
- ✓Invoice payments foreign exchange fee: 1.99%
Advanced
- ✓3 users included
- ✓$15 per additional user per month
- ✓Physical and virtual cards
- ✓Accounting system integrations
- ✓Live support via chat
- ✓Reimbursements
- ✓Mileage
- ✓Flexible card limits
- ✓Approval workflows
- ✓Recurring vendor tracking
- ✓All Essential features
- ✓0.5% cashback
- ✓Multi-entity management
- ✓Advanced card controls
- ✓Budgets
- ✓HRIS integrations
- ✓Phone support for eligible customers
- ✓Automated receipt reminders
- ✓Email receipt capture - Fetch
- ✓Out-of-pocket expense reporting
- ✓Real-time overview of all expenses
- ✓Spend analytics
- ✓Individual card limits
- ✓Card limits per purchase
- ✓Temporary limits
- ✓Advanced approval workflows
- ✓Spending guidelines
- ✓Guidelines assistant
- ✓Vendor locks
- ✓Vendor cards
- ✓Advanced vendor insights
- ✓Renewal management
- ✓Transfer rules (1)
- ✓Custom accounting exports
- ✓Custom categories and tags
- ✓Auto-categorisation
- ✓OCR for receipts
- ✓External bookkeeper access
- ✓Teams management
- ✓Reimbursement-only users
- ✓NetSuite integration
- ✓Bank statement
- ✓Transaction statement
- ✓SAML SSO
- ✓Email support
- ✓Live chat support
- ✓Phone support
- ✓Help center
- ✓Card payments foreign exchange fee: 1.99%
- ✓Invoice payments foreign exchange fee: 1.99%
Beyond
- ✓3 users included
- ✓$18 per additional user per month
- ✓Physical and virtual cards
- ✓Accounting system integrations
- ✓Live support via chat
- ✓Reimbursements
- ✓Mileage
- ✓Flexible card limits
- ✓Approval workflows
- ✓Recurring vendor tracking
- ✓All Advanced features
- ✓0.75% cashback
- ✓AI expense review
- ✓Spending insights
- ✓Purchase orders
- ✓Assisted onboarding
- ✓Concierge support
- ✓Customer success manager for eligible customers
- ✓Automated receipt reminders
- ✓Email receipt capture - Fetch
- ✓Out-of-pocket expense reporting
- ✓Real-time overview of all expenses
- ✓Spend analytics
- ✓Individual card limits
- ✓Card limits per purchase
- ✓Temporary limits
- ✓Advanced approval workflows
- ✓Spending guidelines
- ✓Guidelines assistant
- ✓Vendor locks
- ✓Vendor cards
- ✓Advanced vendor insights
- ✓Renewal management
- ✓Budgets
- ✓Multi-entity management
- ✓Advanced card controls
- ✓Transfer rules (1)
- ✓Custom accounting exports
- ✓Custom categories and tags
- ✓Auto-categorisation
- ✓OCR for receipts
- ✓External bookkeeper access
- ✓Teams management
- ✓Reimbursement-only users
- ✓NetSuite integration
- ✓HRIS integrations
- ✓Bank statement
- ✓Transaction statement
- ✓SAML SSO
- ✓Email support
- ✓Live chat support
- ✓Phone support
- ✓Assisted onboarding
- ✓Concierge support
- ✓Executive business review
- ✓Customer success manager
- ✓Help center
- ✓Card payments foreign exchange fee: 1.99%
- ✓Invoice payments foreign exchange fee: 1.99%
Cost Calculator
Keep Paying Pleo
Build It Yourself
Total Cost Comparison
DIY hosting estimate based on Vercel + Supabase free/pro tiers (~$20/mo). Build time estimated from 55 features at very easy complexity.
Build vs Buy
Should you build a Pleo alternative or buy the subscription? Estimate based on 55 features.
Buy Pleo
Better ValueBuild Your Own
Buying Pleo saves ~$39,240 over 3 years vs building.
Estimates based on 55 features and a BuildScore of 5/5. Actual costs vary.
Integrations
6 known integrations