# Coupa vs Pleo

| Attribute | Coupa | Pleo |
|---|---|---|
| **Vioscale score** | 55.2 (9% (low)) | 57.7 (73% (medium)) |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | A cloud-based platform that integrates procurement, accounts payable, supply chain management, and finance functions. It uses AI and benchmarking community data to optimize spending decisions, reduce costs, and automate business processes across organizations. | Pleo streamlines business expense management by providing physical and virtual corporate cards with individual spending limits, automatic receipt capture, and real-time spend visibility. It eliminates manual expense reports and simplifies accounting by integrating with accounting software and automating approval workflows. |
| features.capabilities | `{"ocr_capture":true,"procurement":"full_p2p","multi_entity":true,"ap_automation":true,"funding_model":"saas_fee","spend_controls":true,"expense_reporting":true,"international_payments":true,"ai_third_party_paper_extraction":true}` | `{"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}` |
| integrations.count | 3 | 11 |
| integrations.list | `[{"name":"AWS"},{"name":"Amazon Business"},{"name":"Scoutbee"}]` | `[{"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"}]` |
| market.availability | `{"primaryMarkets":["US","GB"],"availabilityScope":"global","availableCountries":["US","GB","FR"],"notAvailableCountries":[]}` | `{"hqCountry":"DK","primaryMarkets":["DK","GB","SE","DE","ES"],"availabilityScope":"regional","availableCountries":["DK","GB","SE","DE","ES","PT","FR","NL"],"notAvailableCountries":[]}` |
| platform.support | `{"web":true}` | `{"ios":true,"web":true,"android":true}` |
| pricing | - | `{"type":"subscription","plans":[{"free":false,"name":"Starter","summary":"€4/month (annual billing) + €5/user/month additional. Includes up to 3 users max.","features":["Physical and virtual cards","Accounts payable","Real-time expense tracking","Automated expense notes","Accounting integrations","Chat support","1 supplier card","Up to €5,000 credit limit"],"minSeats":1,"commitment":"annual","components":[{"kind":"fixed","amount":4,"period":"month","currency":"EUR"},{"kind":"per_unit","unit":"seat","amount":5,"period":"month","currency":"EUR"}],"description":"Basic expense tracking with physical and virtual cards","contactSales":false},{"free":false,"name":"Essential","summary":"€18/month (annual) or €20/month (monthly) + €11/user/month additional (annual)","features":["All Starter features","Reimbursements","Mileage tracking","AI expense guidance","Flexible card limits","Up to 25 supplier cards","Automated approval processes","Recurring supplier tracking","Up to €20,000 credit limit"],"minSeats":1,"commitment":"monthly","components":[{"kind":"fixed","amount":18,"period":"month","currency":"EUR"},{"kind":"per_unit","unit":"seat","amount":11,"period":"month","currency":"EUR"}],"description":"Comprehensive expense and payables management with reimbursements","contactSales":false},{"free":false,"name":"Advanced","summary":"€99/month (annual) or €109/month (monthly) for 3 users + €15/user/month additional (annual)","features":["All Essential features","Cashback (0.5% for qualifying users)","Advanced card controls","Up to 100 supplier cards","Budget management","HRIS integrations","Advanced approval workflows","Up to €250,000 credit limit"],"minSeats":3,"commitment":"monthly","components":[{"kind":"fixed","amount":99,"period":"month","currency":"EUR"},{"kind":"per_unit","unit":"seat","amount":15,"period":"month","currency":"EUR"}],"description":"Advanced spend controls with budgets and approval workflows","contactSales":false},{"free":false,"name":"Business","summary":"From €249/month (annual). Custom pricing and features.","features":["All Advanced features","Multi-entity management","Premium integrations","AI expense review","Advanced supplier management","Cash management","Spend insights and advice","Setup assistance","Up to €500,000 credit limit"],"commitment":"annual","components":[{"kind":"fixed","amount":249,"period":"month","currency":"EUR"}],"description":"Enterprise solution with multi-entity management and premium integrations","contactSales":true}],"addOns":[{"name":"External accountant access","components":[{"kind":"fixed","amount":12,"period":"month","currency":"EUR"}]}],"summary":"From €4/month (Starter annual). Monthly and annual billing available for most plans.","currency":"EUR","freeTier":false,"sourceUrl":"https://www.pleo.io/es/pricing","retrievedAt":"2026-08-14T10:24:02.850Z","startingPrice":{"amount":4,"period":"month","currency":"EUR"},"billingPeriods":["month","year"]}` |
| pricing.free_tier | - | no |
| pricing.model | commercial | commercial |
| pricing.price_level | - | low |
| pricing.transparent | - | yes |
| reliability.status_page | - | yes |
| security.disclosure_policy | - | yes |
| security.gdpr | yes | yes |
| security.pci | - | yes |

## Capabilities (Expense & Procurement Software)

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

*Source: Vioscale. Generated 2026-09-01T17:10:42.564Z. "-" = undocumented, not absent.*