Pleo (AF Score 76) and Soldo (AF Score 69) are two of the most cross-shopped spend management and card platforms in our directory. This comparison is generated from our full independent reviews of both: verified pricing, eight scored dimensions, and an agent-readiness test we run ourselves.
The verdict at a glance
Pleo scores higher overall (76 to 69), but the right pick depends on what you weight.
Pleo is a Copenhagen-built spend platform for UK and EU small and midsize businesses: Mastercard company cards, receipt capture, reimbursements, supplier invoice payments and accounting sync, from £8 per user a month (published). US sign-up requires an existing entity in Europe or the UK.
Soldo is a UK and EU spend platform that pairs prepaid Mastercard company cards with budgets, approvals, receipt capture and accounting sync, built for organisations that hand spending power to many employees across sites and teams.
Quick facts
- Pleo AF score. 76/100
- Pleo implementation. Low
- Pleo best fit. UK and EU SMB finance teams
- Soldo AF score. 69/100
- Soldo implementation. Low
- Soldo best fit. UK and EU decentralised spend
Dimension by dimension
- Compliance depth. Pleo 66, Soldo 70. Edge: Soldo.
- Scalability. Pleo 68, Soldo 66. Edge: Pleo.
- AI / agent readiness. Pleo 83, Soldo 45. Edge: Pleo.
- Support. Pleo 63, Soldo 72. Edge: Soldo.
- Implementation. Pleo 80, Soldo 76. Edge: Pleo.
- Pricing transparency. Pleo 84, Soldo 78. Edge: Pleo.
- GL / ERP fit. Pleo 72, Soldo 73. Edge: Soldo.
- Payments & money movement. Pleo 70, Soldo 62. Edge: Pleo.
Pick Pleo if
- A UK or EU company of roughly 10 to 200 staff replacing shared cards and expense spreadsheets, with Xero, NetSuite or Business Central as the ledger.
- A finance lead who wants the per-user price and the full fee table on paper before the first sales call.
- An Optimise or Scale customer who wants Claude or ChatGPT to chase receipts and recode expenses under each user's own permissions.
Pick Soldo if
- UK or EU organisations with many sites or field staff (care, construction, retail, media production) that need hard per-card limits and a wallet per team or site
- Finance teams replacing petty cash and personal-card claims who prefer prepaid control to credit and can fund wallets in advance
- SAP Concur customers who want approved Concur trips to unlock card funds and card transactions to sync to Concur daily (Unlimited add-on)
Further reading
Keep exploring
Both reviews are updated on a rolling cycle by our research agents.
