Bookkeeper360 vs Pleo Comparison
Compare Bookkeeper360 vs Pleo features, pricing, and more.
Last updated: November 2026
Bookkeeper360
6.1/10
Outsourced bookkeeping, tax, payroll and fractional CFO service for US small businesses, with its own reporting dashboard and app built on Xero or QuickBooks.
Pleo
6.8/10
Pleo is a European spend management platform that gives small and mid-sized businesses company cards, receipt capture, reimbursements and supplier invoice payments.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.1/10 | 6.8/10 |
| Scalability | 6/10 | 6/10 |
| Analytics | 7/10 | 6/10 |
| Compliance | 7/10 | 7/10 |
| Integration | 6/10 | 7/10 |
| Security | 5/10 | 7/10 |
| Support | 8/10 | 5/10 |
| Cost | 3/10 | 6/10 |
| Customization | 6/10 | 6/10 |
| Ease of Use | 8/10 | 9/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | $400/mo Bookkeeping | £8/user/mo Start |
| Estimated cost for 10 users | $400/mo Bookkeeping | £80/mo Start |
| Features | ||
| General Ledger | ||
| Payroll | ||
| Accounts Payable | ||
| Budgeting and Forecasting | ||
| Accountant Access | Not listed | |
| Bank Reconciliation | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| Invoicing | Not listed | |
| Multi-currency | Not listed | |
| Tax Compliance | Not listed | |
Bookkeeper360 vs Pleo cost by team size
| Team size | Bookkeeper360 | Pleo |
|---|---|---|
| 1 user | $400/moBookkeeping | £8/moStart |
| 5 users | $400/moBookkeeping | £40/moStart |
| 10 users | $400/moBookkeeping | £80/moStart |
| 25 users | $400/moBookkeeping | £200/moStart |
| 50 users | $400/moBookkeeping | £400/moStart |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Bookkeeper360
- Higher Support score (8/10 vs 5/10)
- Higher Analytics score (7/10 vs 6/10)
- Includes General Ledger, which Pleo lacks
- Includes Payroll, which Pleo lacks
Why choose Pleo
- Higher Cost score (6/10 vs 3/10)
- Higher Security score (7/10 vs 5/10)
- Better fit for enterprise (4/10 vs 2/10)
Pros & Cons
Bookkeeper360
Pros
- Every client gets a dedicated US-based team reachable by chat, phone or email, and the pricing page describes support as unlimited.
- Clients can add tax, sales tax, payroll, HR and CFO work to bookkeeping, so one firm can handle the whole back office.
- There is no long-term contract, and month-to-month billing is available.
- Its web and mobile dashboards show cash, burn rate and runway on top of the Xero or QuickBooks ledger.
- It works with common small business apps, including Gusto, ADP, BILL, Ramp, Shopify, Amazon and A2X.
Cons
- Plans start at $400 per month, which reviewers call pricey compared with competitors.
- Published prices are only starting points, and the final cost depends on a quote.
- It works only on Xero or QuickBooks, so it cannot be used with FreshBooks or Wave.
- The site gives no public detail on security certifications.
- It is a managed service rather than self-serve software, so in-house finance teams have less direct control over the books.
Pleo
Pros
- G2 reviewers praise the card and receipt-capture app as easy for employees to use, and Pleo holds a 4.7 rating across roughly 1,400 G2 reviews.
- Per-user list prices are published, starting at £8 per user per month.
- Native accounting integrations cover Xero, QuickBooks, NetSuite, FreeAgent, Xledger and Twinfield.
- SAML SSO is included even on the entry Start plan.
- The UK entity is authorised by the FCA, and cards are issued under a Mastercard licence.
Cons
- Build and Optimise are billed yearly and require at least three users.
- Transaction charges such as FX fees of up to 2 percent and per-payment fees add to the subscription cost.
- Live chat support is only included on Optimise, and Trustpilot reviewers complain about slow support.
- Some reviewers report weak coverage and support in the US.
- It is not an accounting system and has no general ledger, customer invoicing or payroll.
Not sold on either?
Frequently Asked Questions
Pleo scores higher on our Finance Software criteria: 6.8/10 against 6.1/10 for Bookkeeper360. The largest gap is in Cost: 3/10 for Bookkeeper360 and 6/10 for Pleo.
No, neither Bookkeeper360 nor Pleo lists a free plan.
Pleo is the better fit for enterprise: we rate it 4/10 for them, against 2/10 for Bookkeeper360.
Bookkeeper360 has General Ledger and Payroll, which Pleo lacks.
