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

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

Pick Volopay if

• Fits if you pay vendors and staff in several currencies
• Works for teams that want cards and payables on one platform

Look elsewhere if

• Pricey if you can't see a price, as the pricing page leads to Talk to sales
• Watch out: the 12-month trial offer on the home page has no terms
• Watch out: in the US, payment services come from Airwallex US, LLC, so Volopay isn't the money transmitter
• Skip it if you need an app, as the site mentions one but names no platform

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.

Volopay

• No prices are published: the US pricing page shows two plan groups (cards, and accounts payable) with a Talk to sales button.
• Payment services for US customers are provided by Airwallex US, LLC, according to the site footer, so Volopay is not itself the money transmitter there.
• The site mentions a mobile app but does not say which platforms it runs on.

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.

Volopay

Physical and virtual cards

Issue unlimited virtual cards for subscriptions and vendors, plus physical Visa cards for staff, each with its own spending rules.

Vendor payments

Schedule and recur payments to local and international vendors; the site says transfers reach more than 130 countries.

Approval workflows

Set up to 5 levels of approvers for payments in different ranges before they are processed.

Reimbursements

Employees submit out-of-pocket claims from the mobile app, which replaces paper expense reports.

Multi-currency account

A business account with a multi-currency wallet and a global collection account for cross-border payments.

Accounting sync

Native integrations with NetSuite, Xero, QuickBooks, Tally, MYOB and Deskera keep the ledger current by periodic sync.

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.

Volopay

Pricing could not be confirmed. See volopay.com.

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.

Volopay

No public discounts listed.