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.
Visit Pleo →Built for scale-up businesses with 60+ employees and complex ERP requirements. Integrates with NetSuite, SAP, and Microsoft Dynamics. Strong AP automation.
Visit Payhawk →Pleo: Best if you want a free plan, fast setup, and a card-first tool for a small or mid-sized team, no ERP required.
Payhawk: Best if you're running NetSuite, SAP, or Microsoft Dynamics across multiple entities and need spend management wired directly into it.
| Feature | Pleo | Payhawk |
|---|---|---|
| Starting price | Free (3 users) | Custom pricing |
| Free plan | Yes | No |
| Physical cards | Yes | Yes |
| Virtual cards | Yes | Yes |
| Invoice management | Limited | Yes |
| Reimbursements | Yes | Yes |
| Accounting sync | Yes | Yes |
| Best for | Teams wanting card-first simplicity | Scaling companies with complex ERP needs |
Pleo and Payhawk barely compete for the same customer. Pleo is built for teams that want cards issued and expenses tracked without configuring a finance platform, with a genuinely free tier to start on. Payhawk is built for scale-ups and larger companies running real ERP infrastructure across multiple entities, where CSV exports and manual reconciliation stop being viable. Under about 60 employees with no ERP system, Pleo is the faster and cheaper starting point. Past that, Payhawk is worth the sales conversation Pleo can't offer.
See the full comparison table with all five platforms side by side.