# Pleo vs Ramp

**Leader by vioscaleAI score:** Ramp

| Attribute | Pleo | Ramp |
|---|---|---|
| **vioscaleAI score** | 55.2 (74% (medium)) | 74.1 (50% (medium)) |
| content.faq | `[{"answer":"A platform for managing company spending through employee and vendor cards with real-time controls, automated expense tracking, and seamless accounting integration. It is indexed under Expense & Procurement Software.","source":"https://www.pleo.io/","question":"What is Pleo?","confidence":0.6},{"answer":"Pleo is a paid product; published pricing starts at €4 per month. It is sold across 4 plans (Starter, Essential, Advanced and Business). There is no free tier. Prices are published openly on the vendor's own pricing page. Pricing changes often, so verify at source before relying on it.","source":"https://www.pleo.io/es/pricing","question":"How much does Pleo cost?","confidence":0.6},{"answer":"Pleo supports the web, iOS and Android. Platforms we have not confirmed are simply not listed here rather than ruled out.","source":"https://www.pleo.io/es/pricing","question":"What platforms does Pleo support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Pleo, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.pleo.io/es/pricing","question":"Can Pleo be self-hosted?","confidence":0.6},{"answer":"We have confirmed 10 integrations for Pleo, including Xero, Exact Online, Fetch, TravelPerk, Gmail, Outlook, Microsoft 365 and Apple Pay, plus 2 more. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://www.pleo.io/","question":"What does Pleo integrate with?","confidence":0.6},{"answer":"We have independently confirmed GDPR for Pleo. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as Pleo not holding them. Always confirm compliance directly before you rely on it.","source":"https://www.pleo.io/es/trust-and-security","question":"What security certifications does Pleo have?","confidence":0.7},{"answer":"Pleo is available in Denmark, the United Kingdom, Sweden, Germany, Spain, Portugal, France and the Netherlands. Its primary markets are Denmark, the United Kingdom, Sweden, Germany and Spain. The vendor is headquartered in Denmark.","source":"https://www.pleo.io/es/pricing","question":"Where is Pleo available?","confidence":0.75}]` | `[{"answer":"An integrated platform for managing company spending that combines physical and virtual corporate cards with automated expense capture, intelligent invoice processing, real-time spending controls, and streamlined approval workflows. It is indexed under Expense & Procurement Software.","source":"https://ramp.com","question":"What is Ramp?","confidence":0.6},{"answer":"Ramp offers a free tier, so you can start without paying. Paid plans start at $15 per user per month. Prices are published openly on the vendor's own pricing page. Pricing changes often, so verify at source before relying on it.","source":"https://ramp.com","question":"Is Ramp free?","confidence":0.6},{"answer":"We have confirmed browser-based access to Ramp. That is the extent of what we could verify from public sources, so it may well offer desktop or mobile clients we have not indexed.","source":"https://ramp.com","question":"What platforms does Ramp support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Ramp, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://ramp.com","question":"Can Ramp be self-hosted?","confidence":0.6},{"answer":"We have independently confirmed SOC 2 and ISO 27001 for Ramp. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as Ramp not holding them. Always confirm compliance directly before you rely on it.","source":"https://trust.ramp.com","question":"What security certifications does Ramp have?","confidence":0.7}]` |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | Pleo allows companies to issue employee and vendor cards, manage bill payments, automatically track expenses, and synchronize transactions with accounting software. Pricing scales with team size and includes real-time spend controls and approval workflows. | Provides integrated corporate card issuance, automated expense tracking, bill payment processing, and accounts payable management with AI-driven workflows to streamline financial operations globally. |
| features.capabilities | `{"sso_scim":true,"ocr_capture":true,"procurement":"intake","multi_entity":true,"ap_automation":true,"funding_model":"hybrid","spend_controls":true,"travel_booking":"integration","accounting_sync":"two_way","corporate_cards":"both","expense_reporting":true,"international_payments":true}` | `{"ocr_capture":true,"procurement":"full_p2p","multi_entity":true,"ap_automation":true,"spend_controls":true,"travel_booking":"native","accounting_sync":"two_way","corporate_cards":"both","expense_reporting":true,"international_payments":true}` |
| integrations.count | 1 | 200 |
| integrations.list | `[{"name":"Xero"},{"name":"Exact Online"},{"name":"Fetch"},{"name":"TravelPerk"},{"name":"Perk"},{"name":"Gmail"},{"name":"Outlook"},{"name":"Microsoft 365"},{"name":"Apple Pay"},{"name":"Google Pay"},{"name":"Mastercard"}]` | `[{"name":"Slack"},{"name":"Microsoft Teams"}]` |
| market.availability | `{"hqCountry":"DK","primaryMarkets":["DK","GB","SE","DE","ES"],"availabilityScope":"regional","availableCountries":["DK","GB","SE","DE","ES","PT","FR","NL"],"notAvailableCountries":[]}` | `{"primaryMarkets":[],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` |
| platform.support | `{"web":true}` | `{"web":true}` |
| pricing | `{"type":"subscription","plans":[{"free":false,"name":"Start","summary":"€8/user/month, €5 per receipt, €1.50 per payment, 2% FX","features":["Physical and virtual cards","Accounts payable","Real-time expense tracking","Automated expense reports","Accounting system integrations","Email support","1 subscription card"],"commitment":"monthly","components":[{"kind":"per_unit","unit":"user","amount":8,"period":"month","currency":"EUR"},{"per":{"qty":1,"unit":"receipt"},"kind":"metered","amount":5,"currency":"EUR"},{"per":{"qty":1,"unit":"payment"},"kind":"metered","amount":1.5,"currency":"EUR"},{"of":"fx_transaction","kind":"percentage","rate":2}],"contactSales":false,"includedLimits":{"credit_limit":"€5,000"}},{"free":false,"name":"Build","summary":"€14/user/month billed annually, €0.95 per payment after 10 free, 1.75% FX","features":["Flexible card limits","Up to 15 subscription cards","Approval workflows","Recurring vendor management","Cash management","Accounting automation","Organization management","10 free payments/month"],"commitment":"annual","components":[{"kind":"per_unit","unit":"user","amount":14,"period":"month","currency":"EUR"},{"per":{"qty":1,"unit":"payment"},"kind":"metered","amount":0.95,"currency":"EUR"},{"of":"fx_transaction","kind":"percentage","rate":1.75}],"contactSales":false,"includedLimits":{"credit_limit":"€20,000","subscription_cards":"15"}},{"free":false,"name":"Optimise","summary":"€18/user/month billed annually, €0.95 per payment after 20 free, 1.75% FX","features":["Spend insights","Advanced vendor management","Accounting automation","Organization management","20 free payments/month"],"commitment":"annual","components":[{"kind":"per_unit","unit":"user","amount":18,"period":"month","currency":"EUR"},{"per":{"qty":1,"unit":"payment"},"kind":"metered","amount":0.95,"currency":"EUR"},{"of":"fx_transaction","kind":"percentage","rate":1.75}],"contactSales":false,"includedLimits":{"credit_limit":"€100,000"}}],"summary":"From €8/user/month (monthly) or €14/user/month (annual). No free tier.","currency":"EUR","freeTier":false,"sourceUrl":"https://www.pleo.io/nl/pricing","retrievedAt":"2026-09-22T13:45:13.452Z","startingPrice":{"unit":"user","amount":8,"period":"month","currency":"EUR"},"billingPeriods":["month","year"]}` | `{"type":"subscription","plans":[{"free":true,"name":"Free","features":["Unlimited physical and virtual corporate cards","Card issuing controls","Complete expenses via SMS or Slack","Custom travel policy","Book flights, hotels, and car rentals","Auto-receipt collection and matching","Automated invoice extraction (OCR)","Configurable approval workflows","Automated fraud checks","Pay bills by ACH, card, check, wire, and more","Earn 4.31% in Ramp Investment Account","Earn 2% on FDIC-insured cash account","No fees or minimum deposits","Free wires and same-day ACH","Basic accounting rules","QuickBooks Online and Xero integrations","Custom reports and insights via AI","Custom report builder","Automated vendor tracking and contract extraction","Price intelligence"],"components":[{"kind":"fixed","amount":0,"period":"month","currency":"USD"}],"description":"Best for smaller teams who want to simplify finances.","contactSales":false},{"free":false,"name":"Plus","features":["All Free features","AI-driven expense reviews and policy insights","Auto-lock cards when compliance is unmet","24/7 phone support for travel bookings","Auto-coded line items","AI-driven approval recommendations","Automated batch payments","Payment release approvals","NetSuite, Sage Intacct, and more integrations","AI coding for every field","Automate approval and sync of routine spend","Multi-entity business support","Auto tax capture and coding","Share live reports and schedule exports","Track budgets vs. actuals in real time","Custom user roles","Multi-entity visibility restrictions","Audit log"],"components":[{"kind":"per_unit","unit":"user","amount":15,"period":"month","currency":"USD"}],"description":"Perfect for teams who want to use AI-driven automation to eliminate busywork.","contactSales":false},{"free":false,"name":"Enterprise","features":["All Plus features","Workday and Oracle Fusion Cloud integrations","Locally funded reimbursements","Pay card payments in local currency","Local currency card issuing in 30+ countries","Dedicated account and customer success manager","Priority 24/7 global support","Custom implementation scoping and rollout plan","Integration setup and validation testing","Employee training and change management","Custom development","ERP extensions and configurations","Custom policy and workflow configuration","Advanced organization, role, and entity configuration"],"commitment":"annual","description":"Made for teams who need full customization.","contactSales":true}],"addOns":[{"name":"Procurement"}],"summary":"Free tier available. Plus at $15/user/month. Enterprise plans available.","currency":"USD","freeTier":true,"sourceUrl":"https://ramp.com","retrievedAt":"2026-08-01T15:01:37.681Z","startingPrice":{"amount":15,"period":"month","currency":"USD"},"billingPeriods":["month","year"]}` |
| pricing.free_tier | no | yes |
| pricing.model | commercial | commercial |
| pricing.price_level | low | mid |
| pricing.starting_price | `{"amount":8,"currency":"EUR"}` | - |
| pricing.transparent | yes | yes |
| reliability.status_page | yes | - |
| security.disclosure_policy | yes | yes |
| security.fedramp | - | yes |
| security.gdpr | yes | - |
| security.iso27001 | - | yes |
| security.pci | yes | yes |
| security.soc2 | - | yes |

## Capabilities (Expense & Procurement Software)

| Capability | Pleo | Ramp |
|---|:--:|:--:|
| **Core** |  |  |
| Expense reporting | ✓ | ✓ |
| **Cards** |  |  |
| Corporate cards | Both | Both |
| Real-time spend controls | ✓ | ✓ |
| **Payables** |  |  |
| AP automation (bill capture + pay) | ✓ | ✓ |
| Receipt / invoice OCR | ✓ | ✓ |
| International payments (ACH/wire/FX) | ✓ | ✓ |
| **Procurement** |  |  |
| Procurement | Intake | Full P2P |
| **Travel** |  |  |
| Travel booking | Integration | Native |
| **Integration** |  |  |
| Accounting sync | Two-way | Two-way |
| SSO / SCIM | ✓ | - |
| **Commercial** |  |  |
| Funding model | Hybrid | - |
| Multi-entity / multi-currency | ✓ | ✓ |
| **Platform** |  |  |
| API access | - | - |

*Source: vioscaleAI. Generated 2026-10-16T02:13:59.901Z. "-" = undocumented, not absent.*