Pleo vs Ramp (2026): Pricing, Features & Verdict
Ramp is our pick, scoring 7.8/10 against 6.8/10 for Pleo on our Finance Software criteria. Its biggest advantage: higher Scalability score (8/10 vs 6/10). Only Ramp has a free plan.
Last updated: November 2026
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.
Ramp
7.8/10
Ramp is a US spend management platform that combines corporate cards, expense management, bill pay, AR invoicing and AI accounting automation for finance teams.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.8/10 | 7.8/10 |
| Scalability | 6/10 | 8/10 |
| Analytics | 6/10 | 7/10 |
| Compliance | 7/10 | 7/10 |
| Integration | 7/10 | 8/10 |
| Security | 7/10 | 8/10 |
| Support | 5/10 | 7/10 |
| Cost | 6/10 | 8/10 |
| Customization | 6/10 | 7/10 |
| Ease of Use | 9/10 | 9/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | £8/user/mo Start | $15/user/mo Plus |
| Estimated cost for 10 users | £80/mo Start | Free Free |
| Features | ||
| Accounts Payable | ||
| Corporate Cards | ||
| Expense Management | ||
| Multi-currency | ||
| Accountant Access | Not listed | |
| Audit Trail | Not listed | |
| Budgeting and Forecasting | Not listed | |
| General Ledger | Not listed | |
| Invoicing | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
Pleo vs Ramp cost by team size
| Team size | Pleo | Ramp |
|---|---|---|
| 1 user | £8/moStart | FreeFree |
| 5 users | £40/moStart | FreeFree |
| 10 users | £80/moStart | FreeFree |
| 25 users | £200/moStart | FreeFree |
| 50 users | £400/moStart | FreeFree |
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.
Who Pleo and Ramp suit
Pleo fits small business better; Ramp fits enterprise and mid-market better.
| Audience | Pleo | Ramp |
|---|---|---|
| Enterprise | 4/10It is aimed at SMBs and the mid-market, and credit limits top out at £100,000. | 7/10The Enterprise tier adds Workday and Oracle Fusion integrations and local cards in 30+ countries, and enterprise spending on the platform has grown, though AP depth trails dedicated suites. |
| Mid-Market | 7/10Optimise adds budgets, HRIS sync, NetSuite and advanced approvals, but multi-entity support is not well documented. | 9/10The Plus plan adds multi-entity support, NetSuite and Sage Intacct sync, custom roles and audit logs, which growing mid-market finance teams need. |
| Small Business | 9/10Low per-user pricing and simple card and receipt workflows are built for SMBs. | 7/10The free plan works well for small firms, but businesses need to be a US corporation or LLC with a meaningful cash balance. |
| Finance Teams | 8/10Automated categorisation and accounting exports reduce the work of month-end expense processing. | 9/10Cards, bill pay, accruals and ERP sync are designed to cut close time for controllers and AP staff. |
| Startups | 8/10Start has a one-user minimum and offers quick card issuing. | 9/10The free plan, the card with no personal guarantee and a quick setup suit venture-backed startups, which Kruze reports mostly stay on the free tier. |
| Accountants and Bookkeepers | Not rated | 7/10Accounting firms get an Advisor Console to switch between client accounts and manage staff access, along with a partner program. |
| Freelancers | Not rated | 2/10Ramp requires an incorporated business with a business bank account, so sole freelancers are generally not eligible. |
Which One Should You Choose?
Why choose Pleo
- Better fit for small business (9/10 vs 7/10)
Why choose Ramp
- Has a free plan (Pleo does not)
- Higher Scalability score (8/10 vs 6/10)
- Higher Support score (7/10 vs 5/10)
- Better fit for enterprise (7/10 vs 4/10)
- Better fit for mid-market (9/10 vs 7/10)
Pros & Cons
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.
Ramp
Pros
- The Free plan includes unlimited cards, bill pay, AR invoicing and QuickBooks and Xero sync, so small teams can get a lot without paying for software.
- The corporate card needs no personal guarantee or credit check, and Kruze's review reports 1.5% cash back on card spend.
- Reviewers consistently praise how easy it is to issue cards and capture receipts. G2 averages about 4.8 out of 5 from roughly 2,400 reviews.
- There are more than 200 integrations, including over 40 ERPs and major HR and payroll systems such as ADP, Gusto and Workday.
- Month-end accruals post with automatic reversals, and the AI Accounting Agent auto-codes transactions to speed up the close.
- Security includes SOC 2 Type II, PCI compliance, SSO with Okta, Google or Azure, and MFA for every user.
Cons
- Ramp is built for US corporations and LLCs, and a cash balance of around $75,000 is typically expected, which rules out sole traders and many very small firms.
- Card purchases in currencies other than USD carry a 3% foreign transaction fee, and local-currency cards in other countries require Enterprise.
- Multi-entity support, NetSuite and Sage Intacct sync, custom roles and the audit log all require the paid Plus plan, which adds a platform fee on top of per-user pricing.
- Some users describe AP and bill pay as basic and say ERP sync runs in daily batches rather than in real time.
- Some users report thin onboarding and support that relies on bots, and Kruze's reviewer survey gives customer service its lowest score.
Not sold on either?
Frequently Asked Questions
Ramp scores higher on our Finance Software criteria: 7.8/10 against 6.8/10 for Pleo. The largest gap is in Cost: 6/10 for Pleo and 8/10 for Ramp.
Ramp has a free plan; Pleo does not list one.
Ramp is the better fit for enterprise: we rate it 7/10 for them, against 4/10 for Pleo.
