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

Pick Mooncard if

• Fits if you run a company in France that wants cards and receipts in one tool
• Works for finance teams that hand accounts to Sage, Cegid or SAP

Look elsewhere if

• Skip it if you want a posted price, since both packages are quoted after a demo
• Pricey if you want a card that costs nothing to issue, as the page states 10 euros a card
• Watch out: custom approval flows and duplicate detection are options on both packages
• Watch out: Flying Blue cards show 1.5% or 3% load fees, and the site is French with an English switch

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

Mooncard

• No prices are published; both packages, Original and Hub, are quoted after a demo request.
• The pricing page states a card issuance fee of 10 euros and a 0% load fee; Flying Blue cards show 1.5% or 3%.
• Several controls, including custom approval flows and duplicate detection, are marked as options on both packages.
• The site is in French, with an English switch; the Visa card is issued by Paynovate, according to its legal notice.

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.

Mooncard

Physical and virtual Visa cards

The pricing page lists physical Visa cards, recurring or single-use virtual cards, Apple Pay and Google Pay, 3D Secure and cash withdrawals at ATMs.

Spending rules

Limits can be set per employee, per purchase and per period, with rules by hours, days, merchant type and expense type, plus alerts when a limit is passed.

Receipt capture

SMS and push notifications ask the cardholder for the receipt, and OCR reads the details. Cards can be blocked automatically while receipts are missing, as an option.

Accounting engine

Expense categories, VAT codes and export templates are configurable, with bank reconciliation, evidential archiving and exports to accounting software.

Expense reports and mileage

Expense report entry and mileage allowances are listed as options on both packages, alongside approval workflows and duplicate detection.

Multi-entity reporting

The Hub package adds management and reporting across several legal entities, with five seats per entity and preferential pricing for entities.

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.

Mooncard

Pricing could not be confirmed. See mooncard.co.

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.

Mooncard

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.