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Payroll · head to head

EnKash vs Pleo

EnKash logo

EnKash

Payroll

Indian corporate card and spend management platform holding an RBI prepaid payment instrument licence

From
On request
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: EnKash it is built specifically for Indian regulation and payment rails, so a multinational needs a separate platform for spend outside India, undermining any single-vendor global spend management strategy.; Pleo card delays and transaction limits impact usability, with limited regional acceptance in some areas
  • They diverge on capability: EnKash covers Corporate card ecosystem, Pleo covers Company cards.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which EnKash and Pleo actually diverge.

Attributes where EnKash and Pleo differ
AttributeEnKashPleo
Starting priceOn request£9.5/month
Pricing modelquoteUnknown
PlatformsWeb, iOS, AndroidiOS, Android, Web
CategoryPayrollAccounting
FoundedUnknown2015

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

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 EnKash

  • Corporate card ecosystem
  • UPI-linked petty cash wallets
  • Real-time compliance controls
  • AI receipt management
  • PPI licence issuance
  • Expense management software

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.

EnKash

  • An Indian business replacing branch-level petty cash handling with UPI-linked digital walletsnot Pleo
  • A finance team wanting real-time merchant category restrictions on employee card spendnot Pleo
  • A company wanting tax-saving benefit cards issued alongside standard expense cardsnot Pleo
  • An enterprise wanting a prepaid card issuer with its own RBI licence rather than a reseller of a bank's licencenot Pleo

Pleo

  • Employee expensesnot EnKash
  • Spending autonomynot EnKash
  • Expense automationnot EnKash

Where each one falls short

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

EnKash

  • It is built specifically for Indian regulation and payment rails, so a multinational needs a separate platform for spend outside India, undermining any single-vendor global spend management strategy.
  • Pricing is entirely unpublished, so a finance team cannot budget the platform before a sales conversation.
  • Holding its own PPI licence reduces reliance on a bank partner but does not remove regulatory risk entirely, since RBI rules on prepaid instruments and card issuance in India have changed materially in recent years and can change again.
  • As a full-stack ecosystem spanning cards, wallets and expense software, adoption benefits most companies that commit to most of the modules together, which raises switching cost once implemented.
  • Independent published benchmarks on uptime, dispute resolution speed and support responsiveness are thin compared with more established global spend platforms.

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

EnKash

On request
  • EnKash$undefined/year
    • Pricing not published, quote based on card volume and modules
    • Corporate card, expense management and UPI wallet modules available separately or bundled

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 EnKash if

  • You need corporate card ecosystem.
  • You work on Web, iOS, Android.
  • You also want upi-linked petty cash wallets.
EnKash 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 EnKash or Pleo better?
Neither clearly leads. EnKash starts at On request and Pleo at £9.5/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, EnKash or Pleo?
EnKash starts at On request and Pleo at £9.5/month.
Does EnKash or Pleo run on more platforms?
EnKash runs on Web, iOS, Android. Pleo runs on iOS, Android, Web.
What is EnKash best used for?
EnKash is most often used for an indian business replacing branch-level petty cash handling with upi-linked digital wallets, a finance team wanting real-time merchant category restrictions on employee card spend, a company wanting tax-saving benefit cards issued alongside standard expense cards, an enterprise wanting a prepaid card issuer with its own rbi licence rather than a reseller of a bank's licence. Of those, an indian business replacing branch-level petty cash handling with upi-linked digital wallets and a finance team wanting real-time merchant category restrictions on employee card spend are not what Pleo is typically brought in for.
What can EnKash do that Pleo cannot?
EnKash covers Corporate card ecosystem, UPI-linked petty cash wallets, Real-time compliance controls, AI receipt management. Pleo covers Company cards, Receipt capture, Expense categorization, Spend limits.

Answered from the vendors’ own pages

EnKash: Does EnKash operate outside India?

No, it is built for the Indian regulatory and payment rail environment specifically.

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
EnKash: What is a PPI licence and why does it matter?

It is a Reserve Bank of India licence to issue prepaid payment instruments; EnKash holding its own, obtained April 2025, means it depends less on a partner bank for card 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
EnKash: Is pricing published?

No, EnKash requires a sales conversation for pricing based on card volume and modules used.

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
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
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
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