Pleo, Soldo, Moss, Spendesk, Payhawk: compared independently. Pricing, features, and which actually fits how your team spends.
Pricing and features verified against each provider's public pages as of June 2026. Always check current pricing directly before signing up.
| Platform | Starting price | Free plan | Physical cards | Virtual cards | Invoice mgmt | Reimbursements | Accounting sync | Best for |
|---|---|---|---|---|---|---|---|---|
| Pleo Top pick | Free (3 users) From Ā£9.99/user/mo |
Yes | Yes | Yes | Limited | Yes | Yes | Teams wanting card-first simplicity |
| Soldo | Free plan Paid from ~Ā£9/user/mo |
Yes | Yes | Yes | No | Yes | Yes | Tight department spend control |
| Moss All-in-one | Custom pricing Contact for quote |
No | Yes | Yes | Yes | Yes | Yes | Finance teams wanting one platform |
| Spendesk | Custom pricing SMB and mid-market |
No | Yes | Yes | Basic | Yes | Yes | Mid-market finance visibility |
| Payhawk Scale-up | Custom pricing 60+ employee focus |
No | Yes | Yes | Yes | Yes | Yes | Scaling companies with complex ERP needs |
What each platform actually does well, and where it falls short.
Europe's most widely adopted team expense card. Free plan for up to 3 users, fast setup, and the most employee-friendly interface in this category.
Read full review āBest-in-class spend control: custom card-level limits, department budgets, and instant card freezing. Trusted by over 60,000 businesses across Europe.
Read full review āThe most complete finance workflow platform: cards, accounts payable, reimbursements, budgets, and AI-powered accounting automation in one place.
Read full review āA solid mid-market spend management platform with strong visibility and approval workflows. Best for companies that have outgrown Pleo but aren't ready for enterprise pricing.
Read full review āBuilt for scale-up businesses with 60+ employees and complex ERP requirements. Integrates with NetSuite, SAP, and Microsoft Dynamics. Strong AP automation.
Read full review āThe right choice depends on team size, workflow complexity, and how much you're prepared to pay per user.
You need cards quickly, want to avoid monthly fees until you're sure the business is running, and don't have a finance team to manage a complex platform.
Start with: Pleo (free plan)You're issuing cards to multiple employees, need department budgets, and want proper accounting sync without custom pricing conversations.
Start with: Pleo or SoldoCards are one piece of a larger finance workflow: you also need accounts payable, supplier invoices, approvals, and reimbursements in the same system.
Start with: MossYou're running NetSuite, SAP, or Microsoft Dynamics, have multiple entities or countries, and need a spend platform that integrates properly rather than exporting CSVs.
Start with: PayhawkUse the comparison table to shortlist, then check directly with the provider. Most offer a free trial or a free plan to test before committing.