Payhawk vs Pleo
 Payhawk |  Pleo | |
|---|---|---|
| Rating | ⭐ 4.3 / 5 | ⭐ 4.5 / 5 |
| Category | Accounting & finance | Accounting & finance |
| Pricing model | Paid | Paid |
| From | Growth program at £149/month over 24 months (small UK/EEA businesses under 20 employees, 1 entity); modular pricing on request beyond | Starter €4/month; Essential €18/month annual (€20 monthly); Advanced €99/month annual (€109 monthly); Business from €249/month, excluding taxes |
| Ease of use | Intermediate | Beginner |
| French interface | Yes | Yes |
| API | Yes | Yes |
| Website | Visit → | Visit → |
Our verdict: Payhawk
Best for growing European businesses managing multiple entities who want to centralize cards, expenses, vendor invoices and purchases in a tool connected to their ERP. Not for you if you want clear pricing from the start: outside Growth at £149 per month, everything is quote-based, and the modular base is oversized for a microenterprise.
Our verdict: Pleo
Best for French SMBs wanting to eliminate expense advances and paper receipts, with a French interface and support and billing in euros. Not for you if you have many cardholders for small amounts: additional-user pricing and per-transaction fees make the tool expensive against real spending volume.
Still torn between Payhawk and Pleo?
We look at what you actually need and tell you which one to set up (or a third that fits better).
Ask us →