Libeo vs Pleo (2026): which should you pick?

Pick Libeo if

• Fits if you are a French company paying many suppliers
• Works for finance teams that want approvals and payment in one place

Look elsewhere if

• Not for you if you need English pages, as the site and product pages are French
• Pricey if you can't see a price, as none is published
• Too light for employee expense reports, as it is built around supplier invoices
• Watch out: no mobile apps or platforms beyond the web login are listed

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

Libeo

• No prices are published; the pricing page leads to a demo request.
• The website and product pages are in French and built around the French market.
• The site does not list mobile apps or platforms beyond the web login.

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.

Libeo

Supplier invoices and payments

Centralizes the purchase cycle from the request for spend to approval of the supplier payment.

Approval flows and rights

User rights can be tailored so each team member checks documents or approves spend commitments according to company process.

Payment cards

A payment card product sits alongside supplier invoices for team expenses, under the same platform.

Budgets and dashboards

Dashboards, budget management and configurable alerts give a view of company spend and cash.

Multi-entity management

Groups, franchise networks and separate businesses can see consolidated spend and reporting in one place.

E-invoicing

The site says the software is compatible with the 2026 French electronic invoicing reform.

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.

Libeo

Pricing could not be confirmed. See libeo.io.

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.

Libeo

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.