Expensya (Medius Expense) vs Pleo (2026): which should you pick?

Pick Expensya (Medius Expense) if

• Fits if you're a small team of up to 99 that wants receipts and mileage handled for a few euros a seat
• Works for people who need to scan receipts offline on the road

Look elsewhere if

• Skip it if you want dollar prices: the page only shows euros
• Not for you if you're over 100 people, as larger companies get a quote only
• Watch out: the site says new sign-ups are for Medius Expense, so the name and packaging are changing
• Tight if you want cards, which cost an extra €89 a month on the small business plans
• Tight if you need integrations on Silver, which starts on Gold at €8

Pick Pleo if

• Fits if you want every employee to have their own card with their own limit
• Works for European teams with staff spending in several countries

Look elsewhere if

• Skip it if you want to try before paying, as there's no free plan or trial shown
• Pricey if you're 1 or 2 people, since you pay for at least 3 users
• Tight if your team spends in other currencies a lot, with a 1.75% FX fee on Build
• Watch out: direct reimbursements cost 0.90% each, and the US card is prepaid with no cash access
• Too light for paying supplier bills, which aren't among its features

Expensya (Medius Expense)

• Prices are in euros; no dollar prices are published.
• The small business plans cover 100 users or fewer; larger companies get a quote only.
• Cards cost an extra €89 a month on the small business plans; Expensya Payment, Microsoft Teams and bank integration are add-ons on the premium package.
• The site says the product is being renamed Medius Expense, and new sign-ups are for Medius Expense.

Pleo

• Card and invoice payments in another currency carry a 1.75% FX fee on Build and 1.49% on Optimise, and direct reimbursements cost 0.90% each.
• Build and Optimise need at least 3 users; no free plan or free trial is shown on the US pricing page.
• In the US the Pleo card is a prepaid Mastercard issued by Pathward, N.A., with no cash access.
• Pleo works in 16 European countries, including Denmark, the UK, Germany, France and Spain, as well as the US.

Expensya (Medius Expense)

Receipt scanning

A photo of a receipt is read by the vendor's OCR+ recognition and turned into an expense. Silver and Gold include unlimited scans.

Mileage and per diems

Mileage expenses with auto-calculated distances are on both small business plans. Per diems are listed under the premium package.

Approval workflows

Reports go through multi-level approval. Automatic validation against expense policies is a Gold feature.

Payment cards and budgets

Virtual and physical company cards with budgets, for an extra €89 a month on the small business plans, and a Bring Your Own Card option for cards a company already has.

Mobile app that works offline

The Android and iOS app captures expenses on the move, including without a connection, according to the vendor.

Accounting and travel integrations

Export formats and direct integrations cover ERPs and accounting systems, travel booking tools and Uber, and there is a documented API.

Pleo

Company cards for each employee

Physical and virtual Pleo cards with Google Pay and Apple Pay, with individual, per-purchase and temporary spending limits.

Receipt capture

The app asks for a receipt after every card purchase, reads it with OCR, and the Fetch feature pulls online receipts from email automatically.

Out-of-pocket and mileage

Employees claim their own spending and mileage in the app, approvals follow company policy, and reimbursements are paid directly.

AI spend checks

AI spend guidelines on every plan, and AI expense reviews on Optimise (100 a month) or unlimited on Lead.

Vendor tracking

Recurring vendors and subscriptions are tracked, with renewal management and spending insights on Optimise.

Accounting exports

Auto-categorized expenses with custom categories and tags export to Xero, QuickBooks and other accounting systems.

Expensya (Medius Expense)

• Silver€5

  per license / month, billed annually, for 1-9 licenses

  For 1 to 99 users. Unlimited receipt scanning, mileage expenses, multi-level approval and PDF and Excel export. The price falls in steps to €4 per license at 75-99 licenses.

• Gold€8

  per license / month, billed annually, for 1-9 licenses

  For 1 to 99 users. Adds France legal archiving, integrations, policy-based validation and advances. Falls to €6.40 per license at 75-99.

• EnterpriseCustom

  Sold through sales. Adds multi-subsidiary management, custom approval workflows, single sign-on, dashboards and a managed onboarding team.

Pleo

• Build$12

  per user / month, billed yearly ($14 billed monthly)

  For 1 to 49 employees, 3-user minimum. Physical and virtual cards, receipt capture, reimbursements, mileage, approvals and AI spend guidelines.

• Optimise$16

  per user / month, billed yearly ($18 billed monthly)

  3-user minimum. Adds cashback for eligible customers, budgets, 100 AI expense reviews a month, HR integrations, vendor insights and live chat.

• Scale$249

  per month and up

  For 50 to 1,000 employees. Adds multi-entity management, advanced card controls and approvals, assisted onboarding and a success manager.

• Lead$499

  per month and up

  Adds unlimited reimbursement users with no reimbursement fees, unlimited virtual cards and AI reviews, premium integrations and purchase orders.

• EnterpriseCustom

  For companies of 1,000 or more employees, built and priced after a call with Pleo.

Expensya (Medius Expense)

No public discounts listed.

Pleo

• Annual discount

  Save $2 a user each month with yearly billing

  Build costs $12 per user a month billed yearly instead of $14 monthly, and Optimise $16 instead of $18.