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Microsoft Dynamics 365 vs Pleo

Microsoft Dynamics 365 logo

Microsoft Dynamics 365

Software

AI-powered business applications for intelligent enterprise

From
$50/month
Rated
-
Full reviewWebsite
Pleo logo

Pleo

Software

Smart company cards for forward-thinking teams

From
£9.5/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Microsoft Dynamics 365 business Central Essentials is $80 per user per month and Premium is $110 per user per month, both requiring annual billing to get that rate; Pleo card delays and transaction limits impact usability, with limited regional acceptance in some areas
  • They diverge on capability: Microsoft Dynamics 365 covers Financial management, Pleo covers Company cards.

Where they differ

Only the attributes on which Microsoft Dynamics 365 and Pleo actually diverge.

Attributes where Microsoft Dynamics 365 and Pleo differ
AttributeMicrosoft Dynamics 365Pleo
Starting price$50/month£9.5/month
Pricing modelsubscriptionUnknown
PlatformsCloud, Web, MobileiOS, Android, Web
Founded19752015

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

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 Microsoft Dynamics 365

  • Financial management
  • Supply chain
  • Manufacturing
  • Project operations
  • Customer service
  • Microsoft 365
  • Power BI
  • Power Apps

Only in Pleo

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

Both cover

  • Web support

What people use each for

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

Microsoft Dynamics 365

  • Mid-market ERP and CRM suite licensed per named user across separate app modulesnot Pleo

Pleo

  • Employee expensesnot Microsoft Dynamics 365
  • Spending autonomynot Microsoft Dynamics 365
  • Expense automationnot Microsoft Dynamics 365

Where each one falls short

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

Microsoft Dynamics 365

  • Business Central Essentials is $80 per user per month and Premium is $110 per user per month, both requiring annual billing to get that rate
  • Sales Order Agent and Payables Agent features require separately purchased Copilot Credits on top of the per-user license
  • Agent features additionally require a linked Azure subscription

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

Microsoft Dynamics 365

$50/month
  • Finance$135/month
    • Financial management
    • Accounting
    • Budgeting
  • Supply Chain Management$165/month
    • Supply chain planning
    • Inventory management
    • Demand forecasting

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 Microsoft Dynamics 365 if

  • You need financial management.
  • You work on Cloud, Web, Mobile.
  • You also want supply chain.
Microsoft Dynamics 365 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 Microsoft Dynamics 365 or Pleo better?
Neither clearly leads. Microsoft Dynamics 365 starts at $50/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, Microsoft Dynamics 365 or Pleo?
Microsoft Dynamics 365 starts at $50/month and Pleo at £9.5/month.
Does Microsoft Dynamics 365 or Pleo run on more platforms?
Microsoft Dynamics 365 runs on Cloud, Web, Mobile. Pleo runs on iOS, Android, Web.
What is Microsoft Dynamics 365 best used for?
Microsoft Dynamics 365 is most often used for mid-market erp and crm suite licensed per named user across separate app modules. Of those, mid-market erp and crm suite licensed per named user across separate app modules is not what Pleo is typically brought in for.
What can Microsoft Dynamics 365 do that Pleo cannot?
Microsoft Dynamics 365 covers Financial management, Supply chain, Manufacturing, Project operations. Pleo covers Company cards, Receipt capture, Expense categorization, Spend limits. Both handle Web support.

Answered from the vendors’ own pages

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
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
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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