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Software · head to head

Pleo vs Razorpay

Pleo logo

Pleo

Software

Smart company cards for forward-thinking teams

From
£9.5/month
Rated
-
Full reviewWebsite
R

Razorpay

Software

Accept, process and disburse payments with India's leading payments platform

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Pleo card delays and transaction limits impact usability, with limited regional acceptance in some areas; Razorpay international card payments cost up to 3% per transaction versus 2% domestically, per razorpay.com/pricing (Aug 2026), and an 18% GST is added on top of the platform fee

Where they differ

Only the attributes on which Pleo and Razorpay actually diverge.

Attributes where Pleo and Razorpay differ
AttributePleoRazorpay
Starting price£9.5/monthOn request
Pricing modelUnknowntransaction
PlatformsiOS, Android, WebWeb
Founded2015Unknown

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 Pleo

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

Only in Razorpay

Nothing recorded that Pleo does not also cover.

What people use each for

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

Pleo

  • Employee expensesnot Razorpay
  • Spending autonomynot Razorpay
  • Expense automationnot Razorpay

Razorpay

No use cases recorded yet. See the Razorpay review.

Where each one falls short

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

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

Razorpay

  • International card payments cost up to 3% per transaction versus 2% domestically, per razorpay.com/pricing (Aug 2026), and an 18% GST is added on top of the platform fee
  • Instant refunds cost between Rs. 7.99 and Rs. 14.99 per refund on top of the transaction fee, per Razorpay's own pricing page; standard refunds are free but instant ones are not

Pricing, plan by plan

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

Razorpay

On request

No published plan breakdown. See the Razorpay review.

Which should you pick?

Choose Pleo if

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

Choose Razorpay if

Nothing in the data separates Razorpay from Pleo on the points above - pick on price and on how each one feels to use.

Razorpay review

Questions people ask

Is Pleo or Razorpay better?
Neither clearly leads. Pleo starts at £9.5/month and Razorpay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Pleo or Razorpay?
Pleo starts at £9.5/month and Razorpay at On request.
Does Pleo or Razorpay run on more platforms?
Pleo runs on iOS, Android, Web. Razorpay runs on Web.
What is Pleo best used for?
Pleo is most often used for employee expenses, spending autonomy, expense automation. Of those, employee expenses and spending autonomy are not what Razorpay is typically brought in for.
What can Pleo do that Razorpay cannot?
Pleo covers Company cards, Receipt capture, Expense categorization, Spend limits.

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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