Comparison
Pleo vs Payhawk
A side-by-side look at Pleo and Payhawk — pricing, regions, integrations, pros and cons. Use The AI Recommends if you'd rather have an AI pick for you.
Pleo
Smart company cards for European teams.
Pleo is Europe's leading spend management platform, pairing physical and virtual cards with automated expense reports, invoice management and accounting integrations across 30+ EU/UK markets.
Payhawk
The all-in-one spend management solution for global companies.
Payhawk combines corporate cards, expense management, accounts payable and procurement on one platform — with deep ERP integrations for mid-market and enterprise finance teams.
Side-by-side
| Spec | Pleo | Payhawk |
|---|---|---|
| Tagline | Smart company cards for European teams. | The all-in-one spend management solution for global companies. |
| Headquarters | Copenhagen, Denmark | London, UK |
| Founded | 2015 | 2018 |
| Regions | EU, UK | EU, UK, US |
| Card type | Prepaid + credit (market dependent) | Visa charge card |
| Pricing | Starter free up to 3 users; Essential €45/mo; Advanced €89/mo; Beyond custom. | Custom pricing based on users and modules. |
| Rewards | 1% cashback on Advanced+ in select markets. | Up to 1.5% cashback on USD cards. |
| Best for | European SMBs, Distributed teams, Companies using Xero/QuickBooks EU | Mid-market, Multi-entity groups, Companies on NetSuite or Microsoft Dynamics |
| Integrations | Xero, QuickBooks, Sage, Datev, Economic, Visma | NetSuite, Microsoft Dynamics 365, Sage Intacct, Xero, QuickBooks, SAP |
Pleo: pros & cons
- Strong European footprint
- Best-in-class UX
- Local accounting integrations
- Per-user pricing adds up
- Limited US presence
Payhawk: pros & cons
- Deepest ERP integrations in EU
- Strong mid-market fit
- Multi-entity native
- Heavier than Pleo for small teams
- Opaque pricing