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Accounting · head to head

Conta Azul vs Pleo

Conta Azul logo

Conta Azul

Accounting

Brazilian cloud system for small business finance, invoicing and sharing the books with the accountant

From
239.9/month
Rated
-
Full reviewWebsite
Pleo logo

Pleo

Accounting

Smart company cards for forward-thinking teams

From
£9.5/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Conta Azul it is a Brazilian product with Brazilian fiscal logic, so it is of no use to an entity filing anywhere else, and a foreign group with a Brazilian subsidiary runs it as a local island alongside whatever the group reports in.; Pleo card delays and transaction limits impact usability, with limited regional acceptance in some areas
  • They diverge on capability: Conta Azul covers Electronic invoice issuance, Pleo covers Company cards.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Conta Azul and Pleo actually diverge.

Attributes where Conta Azul and Pleo differ
AttributeConta AzulPleo
Starting price239.9/month£9.5/month
Pricing modelsubscriptionUnknown
PlatformsWebiOS, Android, Web
FoundedUnknown2015

Identical on both: free tier (No), user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Conta Azul

  • Electronic invoice issuance
  • Receivables and payables
  • Bank reconciliation
  • Boleto collection
  • Customer and supplier records
  • Sales orders and quotations
  • Stock control
  • Accountant access

Only in Pleo

  • Company cards
  • Receipt capture
  • Expense categorization
  • Spend limits
  • Accounting sync
  • Xero
  • QuickBooks
  • Sage

What people use each for

The jobs each tool is most often brought in to do.

Conta Azul

  • A Brazilian micro or small business under the simplified tax regime that runs receivables in a spreadsheet and wants control of cash flownot Pleo
  • A service company that needs to issue municipal service invoices and reconcile boleto collections without manual matchingnot Pleo
  • A business whose accountant asks for organised records each month instead of a folder of documentsnot Pleo
  • A small retailer or distributor needing basic stock control tied to the documents it already has to issuenot Pleo

Pleo

  • Employee expensesnot Conta Azul
  • Spending autonomynot Conta Azul
  • Expense automationnot Conta Azul

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Conta Azul

  • It is a Brazilian product with Brazilian fiscal logic, so it is of no use to an entity filing anywhere else, and a foreign group with a Brazilian subsidiary runs it as a local island alongside whatever the group reports in.
  • Plans are scoped by revenue band, so a company that crosses a threshold pays more without necessarily using more of the product, and budgeting the software cost means forecasting turnover rather than usage.
  • It is not a tax calculation and filing engine, so the accountant still prepares the statutory obligations, and a business that expects the subscription to cover its Brazilian tax compliance has misread what it is buying.
  • Municipal service invoice coverage varies by city because each municipality runs its own system, so a business in a smaller or unusual municipality may find its service invoices still have to be issued on the city portal by hand.
  • The product targets micro and small companies under the simplified regime, so a business that grows into the more complex Brazilian tax regimes will outgrow it and face a migration at exactly the moment its accounting is becoming harder.

Pleo

  • Card delays and transaction limits impact usability, with limited regional acceptance in some areas
  • Receipt capture OCR inaccuracies and upload lag/glitches complicate expense categorization
  • Limited expense categories and tags reduce flexibility for complex accounting structures
  • Transaction approval workflows have minimal customization options
  • Lacks in-built forecasting tools and reporting is basic, providing limited insights into trends

Pricing, plan by plan

Conta Azul

239.9/month
  • Essencial (MEI)$239.9/month
    • 1 user access
    • Financial management
    • Invoicing
  • Controle (ME)$449.9/month
    • 2 user accesses
    • Financial management
    • Invoicing
  • Avançado$519.9/month
    • 5 user accesses
    • Financial management
    • Invoicing
  • Performance$839.9/month
    • 15 user accesses
    • Financial management
    • Invoicing

Pleo

£9.5/month
  • Starter$9.5/month
    • Company cards
    • Real-time expense tracking
    • Automated reports
  • Essential$39/month
    • Reimbursements
    • Mileage and per diem
    • Vendor cards
  • Advanced$89/month
    • Cashback
    • Budgets
    • Multi-entity management
  • Beyond$179/month
    • Spending insights
    • Sub-wallets
    • Dedicated success manager

Which should you pick?

Choose Conta Azul if

  • You need electronic invoice issuance.
  • You also want receivables and payables.
Conta Azul review

Choose Pleo if

  • You need company cards.
  • You work on iOS, Android, Web.
  • You also want receipt capture.
Pleo review

Questions people ask

Is Conta Azul or Pleo better?
Neither clearly leads. Conta Azul starts at 239.9/month and Pleo at £9.5/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Conta Azul or Pleo?
Conta Azul starts at 239.9/month and Pleo at £9.5/month.
Does Conta Azul or Pleo run on more platforms?
Conta Azul runs on Web. Pleo runs on iOS, Android, Web.
What is Conta Azul best used for?
Conta Azul is most often used for a brazilian micro or small business under the simplified tax regime that runs receivables in a spreadsheet and wants control of cash flow, a service company that needs to issue municipal service invoices and reconcile boleto collections without manual matching, a business whose accountant asks for organised records each month instead of a folder of documents, a small retailer or distributor needing basic stock control tied to the documents it already has to issue. Of those, a brazilian micro or small business under the simplified tax regime that runs receivables in a spreadsheet and wants control of cash flow and a service company that needs to issue municipal service invoices and reconcile boleto collections without manual matching are not what Pleo is typically brought in for.
What can Conta Azul do that Pleo cannot?
Conta Azul covers Electronic invoice issuance, Receivables and payables, Bank reconciliation, Boleto collection. Pleo covers Company cards, Receipt capture, Expense categorization, Spend limits.

Answered from the vendors’ own pages

Conta Azul: Does Conta Azul do my tax filings?

No. It organises the operational and financial records and shares them with your accountant, who prepares and files the tax obligations. It is the record keeping layer, not the compliance filer.

Pleo: What are Pleo's pricing tiers?

Pleo offers four pricing tiers: Starter (GBP 9.50/month), Essential (GBP 39.00/month), Advanced (GBP 89.00/month), and Beyond (GBP 179.00/month). Annual billing provides equivalent of two free months.

Source
Conta Azul: Can it issue service invoices for my city?

Coverage depends on your municipality, because each runs its own service invoice system. Check your specific city before subscribing, since a gap there is the difference between automation and manual issuance.

Pleo: Does Pleo have a free tier?

No, Pleo does not offer a free tier or permanent free plan. All plans require payment with a free trial available for evaluation.

Source
Conta Azul: Why does the price depend on my revenue?

Plans are banded by turnover rather than purely by features or users. It keeps the entry price low for very small companies, but it means growth triggers a price change independent of how much of the product you use.

Pleo: What integrations does Pleo support for accounting?

Pleo integrates directly with Xero and QuickBooks, plus Sage 200, Sage 50, Microsoft Dynamics 365 Business Central, Datev, and Visma e-conomic. Zapier integrations are also available.

Source
Conta Azul: Will my accountant work in it?

Many Brazilian practices already do, and there is a dedicated accountant role. Ask your accountant before subscribing; if they work in a different product, the friction of running two systems usually falls on you.

Pleo: What platforms can access Pleo?

Pleo is accessible via iOS and Android mobile apps, and through a web interface. Physical and virtual cards are issued for spending.

Source
Conta Azul: Is it suitable if I leave the simplified tax regime?

It is built around smaller companies and the simplified regime. As the tax treatment becomes more complex, expect to outgrow it and to face a migration alongside a change of accounting complexity.

Pleo: Does Pleo support multiple currencies?

Yes, Pleo supports multi-currency spending and transactions. The platform is particularly strong for European teams with local payment methods.

Source
Conta Azul: Is there an English interface?

It is a Brazilian product in Portuguese, aimed at Brazilian owners and accountants. Plan for Portuguese language operation.

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