# Moss | Spend smarter vs Pleo Comparison
---
## AI Generated Summary
- **G2 reviewers report** that Pleo excels in user experience, with many praising its **intuitive UX and UI**. 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.
- **Users say** that Moss | Spend smarter stands out for its straightforward functionality. Reviewers enjoy the ability to **snap photos of receipts** and handle them immediately, which helps save time and reduces paperwork, making the overall workflow feel quick and uncomplicated.
- **According to verified reviews** , Pleo has a significantly higher G2 Score in expense management, indicating greater overall user satisfaction. Users frequently mention the **easy setup process** as a major advantage, which allows them to get started without hassle.
- **Reviewers mention** that while Moss | Spend smarter is easy to set up, it may not offer the same depth of features as Pleo. Users appreciate the smooth implementation but note that Pleo's more comprehensive tools provide a richer experience for managing expenses.
- **G2 reviewers highlight** that Pleo's support quality is slightly lower than Moss | Spend smarter's, with users noting that while Pleo is effective, Moss offers a more responsive support experience, which can be crucial for businesses needing quick assistance.
- **Users report** that both platforms have their strengths in expense reporting, but Moss | Spend smarter edges out with its **user-friendly interface** for processing expenses. However, Pleo's advanced features, like smart categorization, are often seen as more beneficial for users with complex needs.



| | Moss | Spend smarter | Pleo | 
|---|---|---|
| **Star Rating** | 4.7 out of 5 | 4.7 out of 5 | 
| **Total Reviews** | 225 | 1,433 | 
| **Largest Market Segment** | Mid-Market (52.4% of reviews) | Small-Business (62.8% of reviews) | 
| **Entry Level Price** | Free | Starting at £9.50 Per Month | 

---
## Top Pros & Cons

### Moss | Spend smarter

Pros:
- Ease of Use (38 reviews)
- Expense Management (25 reviews)

Cons:
- Approval Issues (7 reviews)
- Learning Curve (5 reviews)

### Pleo

Pros:
- Ease of Use (253 reviews)
- Simple (105 reviews)

Cons:
- Receipt Scanning Issues (37 reviews)
- Card Issues (34 reviews)

---
## Ratings Comparison
| Rating | Moss | Spend smarter | Pleo | 
|---|---|---|
  | **Meets Requirements** | 9.4 (184 reviews) | 9.2 (1128 reviews) | 
  | **Ease of Use** | 9.4 (194 reviews) | 9.5 (1138 reviews) | 
  | **Ease of Setup** | 9.0 (133 reviews) | 9.0 (562 reviews) | 
  | **Ease of Admin** | 9.0 (53 reviews) | 8.9 (445 reviews) | 
  | **Quality of Support** | 9.1 (150 reviews) | 8.9 (873 reviews) | 
  | **Has the product been a good partner in doing business?** | 9.0 (62 reviews) | 8.9 (439 reviews) | 
  | **Product Direction (% positive)** | 9.8 (190 reviews) | 9.1 (1080 reviews) | 

---
## Pricing

### Moss | Spend smarter

#### Entry-Level Pricing

Plan: Free Plan

Price: Free

Description: Start free with Cards or Accounts Payable. Upgrade anytime for full functionality.

Key Features:
- Up to 3 users with unlimited cards
- Up to 20 invoices per month (Accounts Payable)
- Customisable approval & verification steps

[Browse all 4 editions](https://www.g2.com/products/moss-spend-smarter/pricing)

#### Free Trial

Yes

### 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 |
|---|---|---|
| **Moss | Spend smarter** | 8.7/10 | 175 |
| **Pleo** | 8.3/10 | 937 |

#### Expense Reports

| Feature | Moss | Spend smarter | Pleo | 
|---|---|---|
| **Ease of Creating Expense Reports** | 8.9 (148 reviews) | 8.7 (654 reviews) ✓ Verified | 
| **Bank / Credit Card Integration** | Feature Not Available | 8.9 (613 reviews) ✓ Verified | 
| **Smart Categorization** | 8.8 (149 reviews) | 8.4 (679 reviews) ✓ Verified | 
| **Digital Receipt Management** | 9.4 (162 reviews) | 9.2 (813 reviews) ✓ Verified | 
| **Employee Reimbursement** | 9.1 (149 reviews) | 8.6 (481 reviews) ✓ Verified | 
| **Credit Card Integration** | Feature Not Available | 8.5 (544 reviews) ✓ Verified | 

#### Agentic AI - Expense Management

| Feature | Moss | Spend smarter | Pleo | 
|---|---|---|
| **Autonomous Task Execution** | 7.6 (32 reviews) | 7.1 (80 reviews) | 
| **Cross-system Integration** | 7.9 (32 reviews) | 7.3 (79 reviews) | 

#### Travel Management

| Feature | Moss | Spend smarter | Pleo | 
|---|---|---|
| **Advanced Integrations** | 8.4 (129 reviews) | 7.7 (366 reviews) | 

#### Client Invoicing

| Feature | Moss | Spend smarter | Pleo | 
|---|---|---|
| **Project Accounting / Revenue Recognition** | Feature Not Available | 7.7 (374 reviews) | 

#### Generative AI - Expense Management

| Feature | Moss | Spend smarter | 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 | Moss | Spend smarter | Pleo | 
|---|---|---|
| **Receipt Capture** | 9.4 (159 reviews) | 9.2 (823 reviews) ✓ Verified | 
| **Mileage Tracking** | Feature Not Available | 7.4 (345 reviews) | 

#### Platform

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

#### Administration

| Feature | Moss | Spend smarter | Pleo | 
|---|---|---|
| **PCI Regulation Compliant** | 8.4 (117 reviews) | 8.1 (377 reviews) ✓ Verified | 

#### Administration

| Feature | Moss | Spend smarter | Pleo | 
|---|---|---|
| **Business Tool Integration** | 8.5 (139 reviews) | 8.3 (485 reviews) ✓ Verified | 
| **Workflow** | 8.8 (144 reviews) | 8.5 (509 reviews) ✓ Verified | 
| **Automated Reminders** | 9.0 (148 reviews) | 8.8 (663 reviews) ✓ Verified | 
| **Policy Compliance Management** | 8.6 (135 reviews) | 8.1 (402 reviews) ✓ Verified | 
| **User, Role, and Access Management** | 8.9 (137 reviews) | 8.8 (593 reviews) ✓ Verified | 

#### Platform

| Feature | Moss | Spend smarter | Pleo | 
|---|---|---|
| **Reporting** | 8.6 (128 reviews) | 8.3 (529 reviews) ✓ Verified | 
| **APIs / Integration** | 8.3 (122 reviews) | 8.1 (413 reviews) ✓ Verified | 
| **Internationalization** | 8.6 (124 reviews) | 8.1 (363 reviews) | 
| **Performance and Reliability** | 9.4 (148 reviews) | 9.0 (701 reviews) ✓ Verified | 
| **Mobile User Support** | 9.1 (139 reviews) | 9.0 (629 reviews) ✓ Verified | 
| **Offline** | 7.6 (118 reviews) | Feature Not Available | 

### Spend Management

| Product | Score | Reviews |
|---|---|---|
| **Moss | Spend smarter** | 8.7/10 | 63 |
| **Pleo** | 7.8/10 | 116 |

#### Setup

| Feature | Moss | Spend smarter | Pleo | 
|---|---|---|
| **Data** | 8.3 (40 reviews) | 7.7 (103 reviews) | 
| **Approvals** | 8.9 (45 reviews) | 8.1 (108 reviews) | 
| **Alignment** | 8.5 (41 reviews) | 7.9 (102 reviews) | 

#### Performance

| Feature | Moss | Spend smarter | Pleo | 
|---|---|---|
| **KPIs** | 8.2 (38 reviews) | 7.2 (105 reviews) | 
| **Benchmarks** | 8.0 (36 reviews) | 7.4 (101 reviews) | 
| **Forecasting** | 8.2 (36 reviews) | 7.2 (100 reviews) | 
| **Savings** | 8.4 (36 reviews) | 7.1 (100 reviews) | 

#### Payment Cards

| Feature | Moss | Spend smarter | Pleo | 
|---|---|---|
| **One-time Virtual** | 9.5 (46 reviews) | 7.9 (101 reviews) | 
| **Recurring Virtual** | 9.3 (48 reviews) | 8.2 (104 reviews) | 
| **Physical** | 9.3 (52 reviews) | 8.2 (109 reviews) | 

#### Reporting

| Feature | Moss | Spend smarter | Pleo | 
|---|---|---|
| **Real time** | 9.2 (48 reviews) | 8.4 (103 reviews) | 
| **Multiple Views** | 8.5 (35 reviews) | 8.0 (101 reviews) | 
| **Export** | 8.7 (38 reviews) | 8.2 (104 reviews) | 
| **Budgets** | 8.5 (42 reviews) | 7.7 (96 reviews) | 

#### Payments

| Feature | Moss | Spend smarter | Pleo | 
|---|---|---|
| **Vendor** | 8.7 (42 reviews) | 7.7 (100 reviews) | 
| **Recurring** | 9.0 (39 reviews) | 7.8 (99 reviews) | 
| **Employee Reimbursements** | 9.2 (45 reviews) | 8.1 (99 reviews) | 
| **ACH** | 8.2 (33 reviews) | 7.2 (91 reviews) | 

#### Fraud & Risk Management

| Feature | Moss | Spend smarter | Pleo | 
|---|---|---|
| **Notifications** | 8.8 (40 reviews) | 8.1 (96 reviews) | 
| **Unique Cards** | 9.1 (43 reviews) | 8.0 (103 reviews) | 
| **Controls** | 9.2 (40 reviews) | 8.5 (98 reviews) | 

#### Agentic AI - Spend Management

| Feature | Moss | Spend smarter | Pleo | 
|---|---|---|
| **Proactive Assistance** | 8.1 (12 reviews) | 7.0 (33 reviews) | 

### Invoice Management

| Product | Score | Reviews |
|---|---|---|
| **Moss | Spend smarter** | 8.4/10 | 51 |
| **Pleo** | 7.6/10 | 102 |

#### Invoice Generation

| Feature | Moss | Spend smarter | Pleo | 
|---|---|---|
| **Templates** | 7.9 (32 reviews) | 7.2 (58 reviews) | 
| **Digital Invoices** | 9.0 (37 reviews) | 8.3 (73 reviews) | 
| **Recurring Invoices** | 8.5 (34 reviews) | 8.0 (65 reviews) | 

#### Invoice Processing

| Feature | Moss | Spend smarter | Pleo | 
|---|---|---|
| **Approvals** | 8.7 (39 reviews) | 8.1 (77 reviews) | 
| **Batch Processing** | 8.4 (33 reviews) | 7.3 (61 reviews) | 
| **Consolidation** | 8.0 (32 reviews) | 7.3 (62 reviews) | 
| **Match Invoices** | 8.8 (41 reviews) | 8.0 (68 reviews) | 

#### Analytics

| Feature | Moss | Spend smarter | Pleo | 
|---|---|---|
| **Due Dates** | 8.4 (29 reviews) | 7.9 (67 reviews) | 
| **Cashflow** | 8.4 (27 reviews) | 8.0 (70 reviews) | 
| **KPIs** | 7.7 (24 reviews) | 7.0 (59 reviews) | 
| **Payment Tracking** | 8.6 (30 reviews) | 8.4 (82 reviews) | 

#### Integration

| Feature | Moss | Spend smarter | Pleo | 
|---|---|---|
| **Accounting** | 9.0 (42 reviews) | 8.2 (73 reviews) | 
| **Payments** | 9.0 (38 reviews) | 8.7 (90 reviews) | 
| **ERP** | 8.5 (33 reviews) | 7.3 (57 reviews) | 
| **Account Sync** | 8.9 (36 reviews) | 8.0 (65 reviews) | 

#### Agentic AI - Invoice Management

| Feature | Moss | Spend smarter | Pleo | 
|---|---|---|
| **Cross-system Integration** | 7.9 (14 reviews) | 6.8 (13 reviews) | 
| **Adaptive Learning** | 7.7 (13 reviews) | 6.4 (13 reviews) | 
| **Proactive Assistance** | 8.1 (13 reviews) | 6.4 (13 reviews) | 

### Payment Card Issuance

| Product | Score | Reviews |
|---|---|---|
| **Moss | Spend smarter** | N/A | N/A |
| **Pleo** | 8.1/10 | 251 |

#### Card Management

| Feature | Moss | Spend smarter | Pleo | 
|---|---|---|
| **Card Types** | Not enough data | 8.5 (209 reviews) | 
| **Card Controls** | Not enough data | 8.9 (210 reviews) | 
| **Card Personalization** | Not enough data | Feature Not Available | 
| **Configuration** | Not enough data | 8.4 (183 reviews) | 
| **Fulfillment** | Not enough data | 8.0 (173 reviews) | 
| **Replacement** | Not enough data | 8.2 (163 reviews) | 

#### Controls

| Feature | Moss | Spend smarter | Pleo | 
|---|---|---|
| **Tokenization** | Not enough data | 7.4 (129 reviews) | 
| **Security** | Not enough data | 8.7 (194 reviews) | 
| **Card Networks** | Not enough data | 8.3 (153 reviews) | 
| **Integration** | Not enough data | 8.2 (166 reviews) | 
| **Testing** | Not enough data | 7.3 (129 reviews) | 
| **APIs** | Not enough data | 7.6 (129 reviews) | 

### Accounting & Finance

| Product | Score | Reviews |
|---|---|---|
| **Moss | Spend smarter** | N/A | N/A |
| **Pleo** | N/A | N/A |

#### Agentic AI - Accounting & Finance

| Feature | Moss | Spend smarter | Pleo | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

---
## Categories
**Shared Categories (3):** [Invoice Management Software](https://www.g2.com/categories/invoice-management), [Expense Management Software](https://www.g2.com/categories/expense-management), [Spend Management Software](https://www.g2.com/categories/spend-management)


**Unique to Pleo (1):** [Payment Card Issuance Software](https://www.g2.com/categories/payment-card-issuance)


---
## Reviewer Demographics

### By Company Size

| Segment | Moss | Spend smarter | Pleo | 
|---|---|---|
| **Small-Business** | 43.8% | 62.8% | 
| **Mid-Market** | 52.4% | 35.4% | 
| **Enterprise** | 3.8% | 1.9% | 

### By Industry

#### Moss | Spend smarter

- **Computer Software:** 12.6%
- **Information Technology and Services:** 9.7%
- **Market Research:** 8.3%
- **Marketing and Advertising:** 6.3%
- **Hospitality:** 5.3%
- **Hospital & Health Care:** 3.9%
- **Accounting:** 3.4%
- **Consulting:** 2.9%
- **Financial Services:** 2.9%
- **Pharmaceuticals:** 2.4%
- **Other:** 42.2%

#### 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%
- **Events Services:** 2.3%
- **Leisure, Travel & Tourism:** 2.2%
- **Other:** 54.0%

---
## Alternatives

### Alternatives to Moss | Spend smarter

- [Payhawk](https://www.g2.com/products/payhawk/reviews) — 4.6/5 stars (879 reviews)
- [Spendesk](https://www.g2.com/products/spendesk/reviews) — 4.6/5 stars (412 reviews)
- [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2381 reviews)
- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9069 reviews)
- [Rydoo](https://www.g2.com/products/rydoo/reviews) — 4.4/5 stars (743 reviews)
- [Circula](https://www.g2.com/products/circula/reviews) — 4.6/5 stars (1055 reviews)
- [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5616 reviews)
- [Tipalti](https://www.g2.com/products/tipalti/reviews) — 4.5/5 stars (398 reviews)
- [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (6976 reviews)
- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1547 reviews)

### Alternatives to Pleo

- [Payhawk](https://www.g2.com/products/payhawk/reviews) — 4.6/5 stars (879 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 (412 reviews)
- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9069 reviews)
- [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (6976 reviews)
- [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2381 reviews)
- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1547 reviews)
- [BILL Spend & Expense (Formerly Divvy)](https://www.g2.com/products/bill-spend-expense-formerly-divvy/reviews) — 4.5/5 stars (2089 reviews)
- [Soldo](https://www.g2.com/products/soldo/reviews) — 4.5/5 stars (191 reviews)
- [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5616 reviews)

---
## Top Discussions

### Moss | Spend smarter

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/moss-spend-smarter-vs-pleo)