The verdict
Pleo
AF score 76 / 100 · Leads on 5 of 8Higher score, +7Choose it if
- A UK or EU company of roughly 10 to 200 staff replacing shared cards and expense spreadsheets, with Xero
- A finance lead who wants the per-user price and the full fee table on paper before the first sales call
- An Optimise or Scale customer who wants Claude or ChatGPT to chase receipts and recode expenses under each user's own permissions
Soldo
AF score 69 / 100 · Leads on 3 of 8Choose it if
- UK or EU organisations with many sites or field staff
- Finance teams replacing petty cash and personal-card claims who prefer prepaid control to credit and can fund wallets in advance
- SAP Concur customers who want approved Concur trips to unlock card funds and card transactions to sync to Concur daily
Scores from our independent reviews of both tools. Prices verified 12 Nov 2026.
At a glance
| Fact | Pleo | Soldo |
|---|
| Best fit | UK and EU SMB finance teams | UK and EU decentralised spend |
| Price | £8 to £18/user/mo (published) | £27 or £39/mo + VAT (published) |
| Pricing model | Published per-user tiers; Scale and Lead from a monthly base | Published tiers: base fee with 3 users, then per extra user |
| Implementation | Low | Low |
| Time to go live | Days to 4 weeks (AF estimate) | Days to 4 weeks (AF estimate) |
| Agent readiness | ✓ 5 / 5 | 2 / 5 |
| AF score | ✓ 76 / 100 | 69 / 100 |
✓ marks a clear edge. Prices are as each vendor publishes them, verified 12 Nov 2026.
AF scores by dimension
PleoSoldo
Pleo leads on
AI and agent readiness
+38Payments & money movement
+8Each dimension is scored 0 to 100 in the full reviews. The chip shows the leader's margin.
What each costs
Pleo
£8 to £18/user/mo (published)
Published per-user tiers; Scale and Lead from a monthly base
Soldo
£27 or £39/mo + VAT (published)
Published tiers: base fee with 3 users, then per extra user
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Where each falls short
Pleo is a weak fit for
- A US or Canadian company with no entity in Europe or the UK: Pleo's US sign-up flow sends it to a waiting list
- A buyer whose security review needs a SOC 2 Type II report or ISO 27001 certificate in hand before contract
- A team that needs purchase orders or three-way matching on an entry plan
Soldo is a weak fit for
- US-incorporated companies
- Teams that want a credit line, cashback or a card programme
- Buyers who want Claude or another agent connected today
Pleo vs Soldo: common questions
Which scores higher, Pleo or Soldo?
Pleo, 76 to 69 on our 100-point rubric.
How much do Pleo and Soldo cost?
Pleo: £8 to £18/user/mo (published). Soldo: £27 or £39/mo + VAT (published).
How long does each take to go live?
Pleo: Days to 4 weeks (AF estimate). Soldo: Days to 4 weeks (AF estimate).
Which works better with AI agents?
Pleo rates 5 and Soldo rates 2 out of 5 on our agent-readiness test.
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