Accounting · head to head
Kodo vs Pleo
Kodo
Accounting
Corporate cards and intake to pay for Indian businesses
- From
- On request
- Rated
- -
The short version
- Each has a real cost: Kodo kodo is not a licensed issuer, so card limits, settlement cycles and eligibility come from a partner bank whose terms you do not directly control and which can change the programme.; Pleo card delays and transaction limits impact usability, with limited regional acceptance in some areas
- They diverge on capability: Kodo covers Corporate cards, Pleo covers Company cards.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Kodo and Pleo actually diverge.
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 Kodo
- Corporate cards
- Purchase requests
- Invoice capture and matching
- Vendor payouts
- GST and TDS handling
- ERP integration
- Approval workflows
- Spend analytics
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.
Kodo
- An Indian startup replacing founder personal cards with issued cards carrying per employee limitsnot Pleo
- A finance team automating vendor payouts across NEFT, RTGS and UPI with maker checker approvalnot Pleo
- A company that needs GST compliant invoice coding flowing into Tally without rekeyingnot Pleo
- A business enforcing purchase requests and approvals before spend rather than reconciling it afterwardsnot Pleo
Pleo
- Employee expensesnot Kodo
- Spending autonomynot Kodo
- Expense automationnot Kodo
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Kodo
- Kodo is not a licensed issuer, so card limits, settlement cycles and eligibility come from a partner bank whose terms you do not directly control and which can change the programme.
- Indian regulatory changes on prepaid instruments and card issuing partnerships have repeatedly disrupted fintech card programmes, so continuity risk is higher here than in equivalent European or United States products.
- Pricing is not published, so comparing Kodo against Happay, Zoho Expense or a bank corporate card requires a full sales cycle and disclosure of your spend volumes.
- Coverage is India only, so any group with overseas subsidiaries runs a second card and payables system and loses the consolidated view.
- The intake to pay workflow is lighter than a dedicated procurement suite, with limited contract management and supplier onboarding, so regulated or heavily audited buyers will find gaps.
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
Kodo
On request- Kodo$undefined/year
- Quoted per customer, no published rate card
- Card limits and settlement terms set by the sponsoring partner bank
- Payout volumes and payment rails may carry per transaction charges
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 Kodo if
- You need corporate cards.
- You work on Web, iOS, Android.
- You also want purchase requests.
Choose Pleo if
- You need company cards.
- You work on iOS, Android, Web.
- You also want receipt capture.
Questions people ask
- Is Kodo or Pleo better?
- Neither clearly leads. Kodo 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, Kodo or Pleo?
- Kodo starts at On request and Pleo at £9.5/month.
- Does Kodo or Pleo run on more platforms?
- Kodo runs on Web, iOS, Android. Pleo runs on iOS, Android, Web.
- What is Kodo best used for?
- Kodo is most often used for an indian startup replacing founder personal cards with issued cards carrying per employee limits, a finance team automating vendor payouts across neft, rtgs and upi with maker checker approval, a company that needs gst compliant invoice coding flowing into tally without rekeying, a business enforcing purchase requests and approvals before spend rather than reconciling it afterwards. Of those, an indian startup replacing founder personal cards with issued cards carrying per employee limits and a finance team automating vendor payouts across neft, rtgs and upi with maker checker approval are not what Pleo is typically brought in for.
- What can Kodo do that Pleo cannot?
- Kodo covers Corporate cards, Purchase requests, Invoice capture and matching, Vendor payouts. Pleo covers Company cards, Receipt capture, Expense categorization, Spend limits.
Answered from the vendors’ own pages
Kodo: Who actually issues the cards?
A partner bank under a card network arrangement, not Kodo. Ask which bank, whether the product is credit or prepaid, and what happens to your limits if the partnership changes.
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.
SourceKodo: Is pricing published?
No. Kodo quotes per customer, so benchmark against at least two Indian rivals before signing.
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.
SourceKodo: Does Kodo work outside India?
No meaningful coverage outside India for card issuing or payouts.
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.
SourcePleo: 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.
SourcePleo: 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.
SourceRelated pages
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