Is Netvisor or Pleo better?

Neither clearly leads. Netvisor starts at Free and Pleo at £9.5/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Netvisor or Pleo?

Netvisor has a free tier; the other does not. Paid plans start at Free for Netvisor and £9.5/month for Pleo.

Does Netvisor or Pleo run on more platforms?

Netvisor runs on Web. Pleo runs on iOS, Android, Web.

Can I use Netvisor for free?

Yes. Netvisor has a free tier, so you can try it without paying. Pleo starts at £9.5/month.

What is Netvisor best used for?

Netvisor is most often used for a finnish company whose accounting firm works in netvisor and wants the client approving purchase invoices in the same system, a finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on time, a business receiving and sending structured e-invoices with finnish counterparties that require them, a finnish accounting practice standardising clients on one system with a shared role model rather than one instance per client. Of those, a finnish company whose accounting firm works in netvisor and wants the client approving purchase invoices in the same system and a finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on time are not what Pleo is typically brought in for.

What can Netvisor do that Pleo cannot?

Netvisor covers Finnish general ledger, Value added tax reporting, Bank connections, Electronic invoicing. Pleo covers Company cards, Receipt capture, Expense categorization, Spend limits.

Accounting · head to head

Netvisor vs Pleo

Netvisor

Accounting

Finnish cloud accounting and payroll with pricing built from a base fee plus per transaction charges

From: Free
Rated: -

Full review Website

Pleo

Accounting

Smart company cards for forward-thinking teams

From: £9.5/month
Rated: -

Full review Website

The short version

Only Netvisor has a free tier, so it costs nothing to try first.
Each has a real cost: Netvisor pricing is a base fee plus a charge per sales invoice, per purchase invoice, per payslip and per other transaction, so a company with high document volumes pays a bill that scales with trading activity and cannot be budgeted as a fixed monthly cost.; Pleo card delays and transaction limits impact usability, with limited regional acceptance in some areas
They diverge on capability: Netvisor covers Finnish general ledger, Pleo covers Company cards.
Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Netvisor and Pleo actually diverge.

Attributes where Netvisor and Pleo differ
Attribute	Netvisor	Pleo
Starting price	Free	£9.5/month
Pricing model	subscription	Unknown
Free tier	Yes	No
Platforms	Web	iOS, Android, Web
Founded	Unknown	2015

Identical on both: 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 Netvisor

Finnish general ledger
Value added tax reporting
Bank connections
Electronic invoicing
Purchase invoice workflow
Sales invoicing
Payroll
Incomes register reporting

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.

Netvisor

A Finnish company whose accounting firm works in Netvisor and wants the client approving purchase invoices in the same systemnot Pleo
A Finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on timenot Pleo
A business receiving and sending structured e-invoices with Finnish counterparties that require themnot Pleo
A Finnish accounting practice standardising clients on one system with a shared role model rather than one instance per clientnot Pleo

Pleo

Employee expensesnot Netvisor
Spending autonomynot Netvisor
Expense automationnot Netvisor

Where each one falls short

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

Netvisor

Pricing is a base fee plus a charge per sales invoice, per purchase invoice, per payslip and per other transaction, so a company with high document volumes pays a bill that scales with trading activity and cannot be budgeted as a fixed monthly cost.
It serves Finland, so the tax and payroll logic is useless to entities filing elsewhere, and a Nordic group ends up running a different system in each country even where they belong to the same corporate family.
The interface, help material and support operate in Finnish, so a foreign owned subsidiary needs a Finnish speaking bookkeeper or accounting firm to operate it and cannot supervise it directly from head office.
Finnish payroll requires collective agreement terms to be configured correctly, and getting holiday pay, supplements and shift rules right is specialist work usually done by a partner, so payroll implementation is a paid project rather than a setup wizard.
Because most deployments come through an accounting firm, the practical service you receive depends on that firm's competence with the product, and changing accountant can mean changing system or inheriting a configuration nobody documented.

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

Netvisor

Free

Starter$25/month
- Basic accounting, 1000 transactions, invoicing, payroll for 1 person
Basic$25/month
- Basic accounting plus invoicing, 2.06 euros per invoice item, unlimited users, email support
Core$25/month
- All Basic features, invoices included in monthly cost
Professional$25/month
- All Core features, broadest software interface, budgeting, reporting, forecasting, purchase and sales orders

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 Netvisor if

You need finnish general ledger.
You want to start without paying.
You also want value added tax reporting.

Netvisor 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 Netvisor or Pleo better?: Neither clearly leads. Netvisor starts at Free and Pleo at £9.5/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Netvisor or Pleo?: Netvisor has a free tier; the other does not. Paid plans start at Free for Netvisor and £9.5/month for Pleo.
Does Netvisor or Pleo run on more platforms?: Netvisor runs on Web. Pleo runs on iOS, Android, Web.
Can I use Netvisor for free?: Yes. Netvisor has a free tier, so you can try it without paying. Pleo starts at £9.5/month.
What is Netvisor best used for?: Netvisor is most often used for a finnish company whose accounting firm works in netvisor and wants the client approving purchase invoices in the same system, a finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on time, a business receiving and sending structured e-invoices with finnish counterparties that require them, a finnish accounting practice standardising clients on one system with a shared role model rather than one instance per client. Of those, a finnish company whose accounting firm works in netvisor and wants the client approving purchase invoices in the same system and a finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on time are not what Pleo is typically brought in for.
What can Netvisor do that Pleo cannot?: Netvisor covers Finnish general ledger, Value added tax reporting, Bank connections, Electronic invoicing. Pleo covers Company cards, Receipt capture, Expense categorization, Spend limits.

Answered from the vendors’ own pages

Netvisor: Is Netvisor usable outside Finland?

Not as a compliance system. The value is the Finnish tax, banking, e-invoicing and payroll logic. Companies filing elsewhere should look at the local product in the Visma range or another local vendor.

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

Netvisor: Why is the pricing structured per transaction?

It reflects a Finnish market convention where the accounting firm's fee also scales with document volume. It means a low volume company pays very little and a high volume one pays a great deal, so estimate your annual invoice and payslip counts before comparing headline prices.

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

Netvisor: Can my accounting firm work in it with me?

Yes, that is the intended model. The practice and the client share one instance with different roles, so the firm does the bookkeeping while you approve purchase invoices and issue sales invoices.

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

Netvisor: Does it handle payroll for collective agreements?

It supports Finnish collective agreement based payroll, but configuring the specific agreement terms correctly is expert work normally done during a paid implementation. Do not assume payroll is switched on the same week as accounting.

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

Netvisor: What about the incomes register?

Reporting earnings to the national incomes register within the statutory deadline is built in, which is one of the main reasons Finnish employers use a local product rather than an international one.

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

Netvisor: Is it a full ERP?

It includes inventory and fixed assets alongside the ledger, which covers a good deal of a small distributor's needs, but it is a financial management system rather than a manufacturing or full supply chain ERP.

Netvisor vs Pleo

Netvisor

Pleo

The short version

Where they differ

What each one covers

Only in Netvisor

Only in Pleo

What people use each for

Netvisor

Pleo

Where each one falls short

Netvisor

Pleo

Pricing, plan by plan

Netvisor

Pleo

Which should you pick?

Choose Netvisor if

Choose Pleo if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Netvisor

More on Pleo

Keep looking

Other head to heads