# Equals vs Pleo Comparison
---
## AI Generated Summary
- **G2 reviewers report** that Pleo excels in user experience, with many praising its **intuitive UX and UI** that simplifies expense management. Users appreciate how easy it is to input expenses and receive reimbursements, highlighting features like the clear list of expense types and the grouping of expenses into trips.
- **According to verified reviews** , Equals Money offers strong capabilities for tracking employee expenditures, making it easy to manage and view card spending by individual users. Reviewers note that this feature helps them quickly identify who spent what, which is particularly useful for accountability.
- **Users say** that Pleo's implementation process is notably quick and straightforward, with many recent users mentioning how **easy the setup was**. This contrasts with Equals Money, which, while functional, does not receive the same level of praise for its onboarding experience.
- **Reviewers mention** that Pleo has a higher overall satisfaction score, reflecting its ability to meet user needs effectively. Features like digital receipt management and smart categorization are frequently highlighted as time-saving tools that enhance daily usability.
- **G2 reviewers highlight** that while Equals Money allows for quick creation of virtual or physical debit cards, Pleo's broader feature set, including better expense reporting and integration capabilities, makes it a more comprehensive solution for businesses looking to streamline their financial processes.
- **Users report** that Pleo's support quality is slightly lower than Equals Money's, with some users noting that while Pleo is effective, they sometimes wish for more responsive customer service. In contrast, Equals Money users appreciate the support they receive, particularly for managing invoices and annotations.



| | Equals | Pleo | 
|---|---|---|
| **Star Rating** | 4.5 out of 5 | 4.7 out of 5 | 
| **Total Reviews** | 194 | 1,435 | 
| **Largest Market Segment** | Small-Business (73.7% of reviews) | Small-Business (62.6% of reviews) | 
| **Entry Level Price** | Contact Us | Starting at £9.50 Per Month | 

---
## Top Pros & Cons

### Equals

Pros:
- Mobile App (17 reviews)
- Ease of Use (14 reviews)

Cons:
- Receipt Management (6 reviews)
- Limited Acceptance (5 reviews)

### Pleo

Pros:
- Ease of Use (252 reviews)
- Simple (105 reviews)

Cons:
- Receipt Scanning Issues (36 reviews)
- Card Issues (34 reviews)

---
## Ratings Comparison
| Rating | Equals | Pleo | 
|---|---|---|
  | **Meets Requirements** | 8.7 (181 reviews) | 9.2 (1131 reviews) | 
  | **Ease of Use** | 9.0 (186 reviews) | 9.5 (1141 reviews) | 
  | **Ease of Setup** | 9.0 (163 reviews) | 9.0 (563 reviews) | 
  | **Ease of Admin** | 9.0 (137 reviews) | 8.9 (445 reviews) | 
  | **Quality of Support** | 9.1 (169 reviews) | 8.9 (875 reviews) | 
  | **Has the product been a good partner in doing business?** | 9.2 (130 reviews) | 8.9 (439 reviews) | 
  | **Product Direction (% positive)** | 9.2 (181 reviews) | 9.1 (1083 reviews) | 

---
## Pricing

### Equals

#### Entry-Level Pricing

Plan: Embedded Finance Solutions

Price: Contact Us

Description: Financial Infrastructure built for your customers

Key Features:
- Develop your own solutions with access to our payments, cards & account capabilities via our API
- White label our products, accelerating your go-to-market speed with fully branded solutions 
- Send & receive funds through SWIFT, SEPA, UK Faster Payments, & USDC off-ramping, while benefiting from favourable FX rates

[Browse all 6 editions](https://www.g2.com/products/equals-equals/pricing)

#### Free Trial

No

### Pleo

#### Entry-Level Pricing

Plan: Starter

Price: Starting at £9.50 Per Month

Description: For entrepreneurs and micro companies who want to automate their expenses.

Key Features:
- Pleo company cards (plastic/virtual)
- Manage & Pay Invoices
- Real-time expense tracking

[Browse all 4 editions](https://www.g2.com/products/pleo/pricing)

#### Free Trial

Yes

---
## Features Comparison By Category

### Expense Management

| Product | Score | Reviews |
|---|---|---|
| **Equals** | 7.8/10 | 137 |
| **Pleo** | 8.3/10 | 940 |

#### Expense Reports

| Feature | Equals | Pleo | 
|---|---|---|
| **Ease of Creating Expense Reports** | 7.9 (118 reviews) | 8.7 (656 reviews) ✓ Verified | 
| **Bank / Credit Card Integration** | 8.2 (113 reviews) | 8.9 (613 reviews) ✓ Verified | 
| **Smart Categorization** | 7.5 (104 reviews) | 8.4 (679 reviews) ✓ Verified | 
| **Digital Receipt Management** | 7.9 (106 reviews) | 9.2 (814 reviews) ✓ Verified | 
| **Employee Reimbursement** | Feature Not Available | 8.6 (483 reviews) ✓ Verified | 
| **Currency Conversions** | 7.6 (109 reviews) | Feature Not Available | 
| **Credit Card Integration** | 7.5 (96 reviews) | 8.5 (545 reviews) ✓ Verified | 

#### Agentic AI - Expense Management

| Feature | Equals | Pleo | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | 7.1 (80 reviews) | 
| **Cross-system Integration** | Not enough data | 7.3 (79 reviews) | 

#### Travel Management

| Feature | Equals | Pleo | 
|---|---|---|
| **Advanced Integrations** | Feature Not Available | 7.7 (366 reviews) | 

#### Client Invoicing

| Feature | Equals | Pleo | 
|---|---|---|
| **Invoice Creation and Delivery** | 6.7 (94 reviews) | Feature Not Available | 
| **Electronic Payments** | 8.3 (110 reviews) | Feature Not Available | 
| **Project Accounting / Revenue Recognition** | 7.6 (97 reviews) | 7.7 (374 reviews) | 

#### Generative AI - Expense Management

| Feature | Equals | Pleo | 
|---|---|---|
| **Image-to-Text** | Not enough data | Not enough data | 
| **Text Generation** | Not enough data | Not enough data | 
| **Text Summarization** | Not enough data | Not enough data | 

#### Mobile

| Feature | Equals | Pleo | 
|---|---|---|
| **Receipt Capture** | 7.9 (102 reviews) | 9.2 (823 reviews) ✓ Verified | 
| **Mileage Tracking** | Feature Not Available | 7.4 (345 reviews) | 

#### Platform

| Feature | Equals | Pleo | 
|---|---|---|
| **Embedded AI / Machine Learning** | Feature Not Available | 7.2 (414 reviews) ✓ Verified | 
| **Complex Approval Workflow** | 7.1 (87 reviews) | 7.5 (404 reviews) ✓ Verified | 

#### Administration

| Feature | Equals | Pleo | 
|---|---|---|
| **PCI Regulation Compliant** | 7.5 (90 reviews) | 8.1 (377 reviews) ✓ Verified | 

#### Administration

| Feature | Equals | Pleo | 
|---|---|---|
| **Business Tool Integration** | 7.6 (105 reviews) | 8.3 (485 reviews) ✓ Verified | 
| **Workflow** | 7.7 (105 reviews) | 8.5 (510 reviews) ✓ Verified | 
| **Automated Reminders** | Feature Not Available | 8.8 (663 reviews) ✓ Verified | 
| **Policy Compliance Management** | 7.7 (103 reviews) | 8.1 (402 reviews) ✓ Verified | 
| **User, Role, and Access Management** | 8.6 (119 reviews) | 8.8 (593 reviews) ✓ Verified | 

#### Platform

| Feature | Equals | Pleo | 
|---|---|---|
| **Reporting** | 8.1 (113 reviews) | 8.3 (529 reviews) ✓ Verified | 
| **APIs / Integration** | 7.1 (89 reviews) | 8.1 (413 reviews) ✓ Verified | 
| **Internationalization** | 7.4 (93 reviews) | 8.1 (364 reviews) | 
| **Performance and Reliability** | 8.5 (111 reviews) | 9.0 (702 reviews) ✓ Verified | 
| **Mobile User Support** | 8.6 (102 reviews) | 9.0 (629 reviews) ✓ Verified | 

### Spend Management

| Product | Score | Reviews |
|---|---|---|
| **Equals** | 7.4/10 | 55 |
| **Pleo** | 7.8/10 | 116 |

#### Setup

| Feature | Equals | Pleo | 
|---|---|---|
| **Data** | 6.7 (48 reviews) | 7.7 (103 reviews) | 
| **Approvals** | 7.2 (50 reviews) | 8.1 (108 reviews) | 
| **Alignment** | 6.8 (46 reviews) | 7.9 (102 reviews) | 

#### Performance

| Feature | Equals | Pleo | 
|---|---|---|
| **KPIs** | 6.7 (45 reviews) | 7.2 (105 reviews) | 
| **Benchmarks** | 6.7 (45 reviews) | 7.4 (101 reviews) | 
| **Forecasting** | 6.5 (45 reviews) | 7.2 (100 reviews) | 
| **Savings** | 6.5 (45 reviews) | 7.1 (100 reviews) | 

#### Payment Cards

| Feature | Equals | Pleo | 
|---|---|---|
| **One-time Virtual** | 7.5 (46 reviews) | 7.9 (101 reviews) | 
| **Recurring Virtual** | 7.7 (47 reviews) | 8.2 (104 reviews) | 
| **Physical** | 8.7 (49 reviews) | 8.2 (109 reviews) | 

#### Reporting

| Feature | Equals | Pleo | 
|---|---|---|
| **Real time** | 8.4 (49 reviews) | 8.4 (103 reviews) | 
| **Multiple Views** | 7.7 (47 reviews) | 8.0 (101 reviews) | 
| **Export** | 8.2 (47 reviews) | 8.2 (104 reviews) | 
| **Budgets** | 7.2 (46 reviews) | 7.7 (96 reviews) | 

#### Payments

| Feature | Equals | Pleo | 
|---|---|---|
| **Vendor** | 7.5 (43 reviews) | 7.7 (100 reviews) | 
| **Recurring** | 7.6 (43 reviews) | 7.8 (99 reviews) | 
| **Employee Reimbursements** | 6.9 (43 reviews) | 8.1 (99 reviews) | 
| **ACH** | 7.2 (40 reviews) | 7.2 (91 reviews) | 

#### Fraud & Risk Management

| Feature | Equals | Pleo | 
|---|---|---|
| **Notifications** | 7.8 (43 reviews) | 8.1 (96 reviews) | 
| **Unique Cards** | 7.9 (43 reviews) | 8.0 (103 reviews) | 
| **Controls** | 8.4 (47 reviews) | 8.5 (98 reviews) | 

#### Agentic AI - Spend Management

| Feature | Equals | Pleo | 
|---|---|---|
| **Proactive Assistance** | Not enough data | 7.0 (33 reviews) | 

### Cross-border payments software

| Product | Score | Reviews |
|---|---|---|
| **Equals** | 7.6/10 | 35 |
| **Pleo** | N/A | N/A |

#### Transactions

| Feature | Equals | Pleo | 
|---|---|---|
| **Types** | 7.2 (27 reviews) | Not enough data | 
| **Global** | 7.1 (27 reviews) | Not enough data | 
| **Channels** | 6.9 (26 reviews) | Not enough data | 
| **Fees** | 7.5 (29 reviews) | Not enough data | 

#### Compliance

| Feature | Equals | Pleo | 
|---|---|---|
| **Security** | 8.6 (27 reviews) | Not enough data | 
| **Fraud Protection** | 8.3 (26 reviews) | Not enough data | 
| **ID Verification** | 8.6 (27 reviews) | Not enough data | 

#### Integration

| Feature | Equals | Pleo | 
|---|---|---|
| **Accounting** | 7.4 (28 reviews) | Not enough data | 
| **Foreign Exchange** | 7.5 (29 reviews) | Not enough data | 
| **AML & KYC** | 6.8 (22 reviews) | Not enough data | 

#### Agentic AI -  Remittance & Money Transfer

| Feature | Equals | Pleo | 
|---|---|---|
| **Cross-system Integration** | Not enough data | Not enough data | 

### Invoice Management

| Product | Score | Reviews |
|---|---|---|
| **Equals** | N/A | N/A |
| **Pleo** | 7.6/10 | 102 |

#### Invoice Generation

| Feature | Equals | Pleo | 
|---|---|---|
| **Templates** | Not enough data | 7.2 (58 reviews) | 
| **Digital Invoices** | Not enough data | 8.3 (73 reviews) | 
| **Recurring Invoices** | Not enough data | 8.0 (65 reviews) | 

#### Invoice Processing

| Feature | Equals | Pleo | 
|---|---|---|
| **Approvals** | Not enough data | 8.1 (77 reviews) | 
| **Batch Processing** | Not enough data | 7.3 (61 reviews) | 
| **Consolidation** | Not enough data | 7.3 (62 reviews) | 
| **Match Invoices** | Not enough data | 8.0 (68 reviews) | 

#### Analytics

| Feature | Equals | Pleo | 
|---|---|---|
| **Due Dates** | Not enough data | 7.9 (67 reviews) | 
| **Cashflow** | Not enough data | 8.0 (70 reviews) | 
| **KPIs** | Not enough data | 7.0 (59 reviews) | 
| **Payment Tracking** | Not enough data | 8.4 (82 reviews) | 

#### Integration

| Feature | Equals | Pleo | 
|---|---|---|
| **Accounting** | Not enough data | 8.2 (73 reviews) | 
| **Payments** | Not enough data | 8.7 (90 reviews) | 
| **ERP** | Not enough data | 7.3 (57 reviews) | 
| **Account Sync** | Not enough data | 8.0 (65 reviews) | 

#### Agentic AI - Invoice Management

| Feature | Equals | Pleo | 
|---|---|---|
| **Cross-system Integration** | Not enough data | 6.8 (13 reviews) | 
| **Adaptive Learning** | Not enough data | 6.4 (13 reviews) | 
| **Proactive Assistance** | Not enough data | 6.4 (13 reviews) | 

### Payment Card Issuance

| Product | Score | Reviews |
|---|---|---|
| **Equals** | 7.7/10 | 56 |
| **Pleo** | 8.1/10 | 251 |

#### Card Management

| Feature | Equals | Pleo | 
|---|---|---|
| **Card Types** | 8.8 (50 reviews) | 8.5 (209 reviews) | 
| **Card Controls** | 8.8 (52 reviews) | 8.9 (210 reviews) | 
| **Card Personalization** | 7.4 (44 reviews) | Feature Not Available | 
| **Configuration** | 8.0 (46 reviews) | 8.4 (183 reviews) | 
| **Fulfillment** | 7.5 (43 reviews) | 8.0 (173 reviews) | 
| **Replacement** | 8.4 (50 reviews) | 8.2 (163 reviews) | 

#### Controls

| Feature | Equals | Pleo | 
|---|---|---|
| **Tokenization** | 7.1 (36 reviews) | 7.4 (129 reviews) | 
| **Security** | 8.0 (46 reviews) | 8.7 (194 reviews) | 
| **Card Networks** | 7.6 (40 reviews) | 8.3 (153 reviews) | 
| **Integration** | 7.4 (38 reviews) | 8.2 (166 reviews) | 
| **Testing** | 6.8 (37 reviews) | 7.3 (129 reviews) | 
| **APIs** | 6.7 (35 reviews) | 7.6 (129 reviews) | 

### Banking as a Service (BaaS)

| Product | Score | Reviews |
|---|---|---|
| **Equals** | N/A | N/A |
| **Pleo** | N/A | N/A |

#### Connectivity

| Feature | Equals | Pleo | 
|---|---|---|
| **APIs** | Not enough data | Not enough data | 
| **Cards** | Not enough data | Not enough data | 
| **Accounts** | Not enough data | Not enough data | 
| **White-labeling** | Not enough data | Not enough data | 

#### Compliance

| Feature | Equals | Pleo | 
|---|---|---|
| **Reporting** | Not enough data | Not enough data | 
| **Onboarding** | Not enough data | Not enough data | 

#### Agentic AI - Banking as a Service (BaaS)

| Feature | Equals | Pleo | 
|---|---|---|
| **Decision Making** | Not enough data | Not enough data | 

### Embedded Payments

| Product | Score | Reviews |
|---|---|---|
| **Equals** | N/A | N/A |
| **Pleo** | N/A | N/A |

#### Payments - Embedded Payments

| Feature | Equals | Pleo | 
|---|---|---|
| **Processing** | Not enough data | Not enough data | 
| **Fraud Protection** | Not enough data | Not enough data | 
| **Payment Methods** | Not enough data | Not enough data | 

#### Personalization - Embedded Payments

| Feature | Equals | Pleo | 
|---|---|---|
| **Customer Onboarding** | Not enough data | Not enough data | 
| **Checkout Customization** | Not enough data | Not enough data | 
| **Localization** | Not enough data | Not enough data | 
| **Merchant Portal** | Not enough data | Not enough data | 

#### Setup - Embedded Payments

| Feature | Equals | Pleo | 
|---|---|---|
| **Payment Flows** | Not enough data | Not enough data | 
| **APIs** | Not enough data | Not enough data | 
| **Dispute Management** | Not enough data | Not enough data | 

#### Analytics - Embedded Payments

| Feature | Equals | Pleo | 
|---|---|---|
| **Transactions** | Not enough data | Not enough data | 
| **Reconciliation** | Not enough data | Not enough data | 
| **Revenue** | Not enough data | Not enough data | 

#### Agentic AI - Embedded Payments

| Feature | Equals | Pleo | 
|---|---|---|
| **Cross-system Integration** | Not enough data | Not enough data | 

### Accounting & Finance

| Product | Score | Reviews |
|---|---|---|
| **Equals** | N/A | N/A |
| **Pleo** | N/A | N/A |

#### Agentic AI - Accounting & Finance

| Feature | Equals | Pleo | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

---
## Categories
**Shared Categories (3):** [Payment Card Issuance Software](https://www.g2.com/categories/payment-card-issuance), [Spend Management Software](https://www.g2.com/categories/spend-management), [Expense Management Software](https://www.g2.com/categories/expense-management)

**Unique to Equals (3):** [Banking as a Service (BaaS) Software](https://www.g2.com/categories/banking-as-a-service-baas), [Cross-border payments software](https://www.g2.com/categories/cross-border-payments-software), [Embedded Payments Software](https://www.g2.com/categories/embedded-payments)

**Unique to Pleo (1):** [Invoice Management Software](https://www.g2.com/categories/invoice-management)


---
## Reviewer Demographics

### By Company Size

| Segment | Equals | Pleo | 
|---|---|---|
| **Small-Business** | 73.7% | 62.6% | 
| **Mid-Market** | 25.3% | 35.4% | 
| **Enterprise** | 1.0% | 1.9% | 

### By Industry

#### Equals

- **Non-Profit Organization Management:** 11.5%
- **Education Management:** 6.3%
- **Media Production:** 6.3%
- **Accounting:** 4.7%
- **Higher Education:** 4.7%
- **Hospital & Health Care:** 4.2%
- **Motion Pictures and Film:** 4.2%
- **Religious Institutions:** 4.2%
- **Entertainment:** 3.6%
- **Civic & Social Organization:** 3.6%
- **Other:** 46.9%

#### Pleo

- **Computer Software:** 12.3%
- **Information Technology and Services:** 8.6%
- **Marketing and Advertising:** 5.9%
- **Financial Services:** 4.4%
- **Hospitality:** 2.8%
- **Retail:** 2.7%
- **Accounting:** 2.6%
- **Construction:** 2.4%
- **Leisure, Travel & Tourism:** 2.3%
- **Events Services:** 2.3%
- **Other:** 53.9%

---
## Alternatives

### Alternatives to Equals

- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9097 reviews)
- [Payhawk](https://www.g2.com/products/payhawk/reviews) — 4.5/5 stars (889 reviews)
- [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5646 reviews)
- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1577 reviews)
- [Alaan](https://www.g2.com/products/alaan/reviews) — 4.7/5 stars (718 reviews)
- [Rydoo](https://www.g2.com/products/rydoo/reviews) — 4.4/5 stars (743 reviews)
- [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (450 reviews)
- [Spendesk](https://www.g2.com/products/spendesk/reviews) — 4.6/5 stars (413 reviews)
- [Emburse Spend (formerly Abacus)](https://www.g2.com/products/emburse-spend-formerly-abacus/reviews) — 4.5/5 stars (1120 reviews)
- [Paylocity](https://www.g2.com/products/paylocity/reviews) — 4.4/5 stars (5373 reviews)

### Alternatives to Pleo

- [Payhawk](https://www.g2.com/products/payhawk/reviews) — 4.5/5 stars (889 reviews)
- [Rydoo](https://www.g2.com/products/rydoo/reviews) — 4.4/5 stars (743 reviews)
- [Spendesk](https://www.g2.com/products/spendesk/reviews) — 4.6/5 stars (413 reviews)
- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9097 reviews)
- [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7076 reviews)
- [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2427 reviews)
- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1577 reviews)
- [BILL Spend & Expense (Formerly Divvy)](https://www.g2.com/products/bill-spend-expense-formerly-divvy/reviews) — 4.5/5 stars (2105 reviews)
- [Soldo](https://www.g2.com/products/soldo/reviews) — 4.5/5 stars (193 reviews)
- [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5646 reviews)

---
## Top Discussions

### Equals

No discussions available for this product.

### Pleo

- Title: [What is Pleo used for?](https://www.g2.com/discussions/what-is-pleo-used-for) — 2 comments
  > **Top comment:** "Expense accounting on company credit cards."
- Title: [Pleo card is not accepted by all organisations](https://www.g2.com/discussions/13281-pleo-card-is-not-accepted-by-all-organisations) — 2 comments, 1 upvote
  > **Top comment:** "Hi Stephen. Pleo cards can be used in more than 30 million locations worldwide, online and in stores, making corporate purchasing easy and convenient – just..."
- Title: [Pleo isn't on UBER as one of the options for auto-submitting expenses](https://www.g2.com/discussions/pleo-isn-t-on-uber-as-one-of-the-options-for-auto-submitting-expenses) — 1 comment, 1 upvote
  > **Top comment:** "Have you tried just entering as a Mastercard?
I use it for tickets and taxi in Denmark and Sweden without any problems."
- Title: [Can users swap cards?](https://www.g2.com/discussions/13939-can-users-swap-cards) — 1 comment, 1 upvote
  > **Top comment:** "Hi Barry,

Pleo users swap cards with one another. Virtual as well as plastic cards are assigned to one single cardholder and must not be shared. By..."
- Title: [Can I separate manager transactions into lists?](https://www.g2.com/discussions/13845-can-i-separate-manager-transactions-into-lists) — 1 comment, 1 upvote
  > **Top comment:** "Hi Deborah. Admins have access to everyone's transactions directly in the Pleo app. The expense feed as well as the manage expense view give great detail..."

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/equals-equals-vs-pleo)