Pleo vs Fyorin
✓ Compare Fyorin and Pleo for expense cards and business spend management.
✓ Fyorin extends beyond Pleo's offering with company-owned cards, automated cost recharging across entities, and a unified platform combining expense management with accounts payable and receivable.
✓ Fyorin extends beyond Pleo's offering with company-owned cards, automated cost recharging across entities, and a unified platform combining expense management with accounts payable and receivable.
About Pleo
Pleo is a European spend management platform offering company cards, expense management, and reimbursements for growing businesses. Cards are issued to named employees, with strong OCR-driven receipt capture and multi-level approval workflows. Pricing runs per-seat across four tiers, from £9.50 to £199+/month, with better rates tied to longer commitments, and cashback available only on Advanced and Beyond annual plans.
About Fyorin
Fyorin is a unified financial operations platform combining company-owned cards, expense management, accounts payable, accounts receivable, and multi-currency payments in 100+ currencies. Cards are issued without limit at any tier, and expenses reconcile automatically against the same ledger payables and receivables already use.
Pleo vs. Fyorin Feature Comparison
Company-owned cards | ||
Virtual & Physical Cards | ||
High initial limit for card spend | ||
Unlimited card issuance | * | |
Cash rebate on card spend | ** | |
Dedicated Merchant Cards | ||
Flexible linking of virtual and physical cards | ||
Expense Management | ||
Reimbursements | ||
Automatic card-to-bill reclassification | ||
Cost recharging across entities | ||
ERP integration | *** | |
Multi-entity management | ||
In-platform payment execution | **** | |
Automated payables | **** | |
API capabilities | ||
* No hard cap published, but every card, and every reimbursement-only user, is a paid seat
** Capped at your total subscription cost; only 0.5-0.75%, and only on Advanced/Beyond annual plans
*** Only Xero, QuickBooks, and NetSuite native.
**** Available only through a separate Pleo Invoices product; not integrated with card and claim reconciliation
Why Choose Fyorin Over Pleo?
Company-Owned Cards, Not Employee-Linked
Pleo cards are issued to named employees. "Vendor cards" exist as a narrower exception for subscriptions, not the default model. Fyorin's cards belong to the business from the start, so nothing needs reissuing when someone changes role or leaves.
No Seat Count Deciding What's Possible
Pleo doesn't publish a hard card cap, but every card, and every reimbursement-only user, is a paid seat, so cost scales with headcount, not usage. Fyorin issues unlimited cards at any tier and doesn't charge for people who only need visibility or approval rights.
Cashback Without the Conditions
Pleo's cashback is capped at your total subscription cost, sits at 0.5-0.75%, and only applies on Advanced or Beyond plans billed annually, nothing on Starter, Essential, or monthly billing. Fyorin pays uncapped cashback automatically on every card, at every tier, with no annual commitment required.
One Claim, One Budget
Pleo handles reimbursement well, but expense by expense, reviewed and exported individually rather than grouped. Fyorin sets a budget upfront and links it to a card, every transaction during that period rolls into one claim automatically.
Card Spend Into Accurate Books, Automatically
Pleo's Invoices product pays bills you route through it directly, but it doesn't reclassify a card transaction after the fact. Fyorin catches the difference automatically: certain categories, or spend from a tagged card, like software subscriptions, reclassify into a supplier bill, invoice fetched, payment reconciled, posted to your ERP correctly the first time.
Costs Reallocated the Moment They're Submitted
Pleo has genuine multi-entity visibility, unlimited entities on its higher plans, but its own materials name intercompany cost allocation as an unsolved challenge, not a built feature. Fyorin recharges a cost across entities or departments as soon as it's submitted, employees flag the split, and it posts straight to each entity's ledger.
Both Sides of the Ledger
Pleo's AP capability runs through a separate Invoices product, disconnected from card and claim reconciliation, and there's no accounts receivable at all. Fyorin combines payables and receivables natively alongside cards and expenses, on one ledger.
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Complete financial operations. One login.
Where Spending & AR meet cash.
