vs
Small business cloud
✓ Vetted by Audit Friendly
Side-by-side comparison

Pleo vs Soldo

Pleo leads on scalability and AI and agent readiness. Soldo leads on compliance depth and support.

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AF score
76
vs
69
Agent readiness
5
vs
2
In market since
2015
vs
2017
Best fit
Pleo
UK and EU SMB finance teams
Soldo
UK and EU decentralised spend

The verdict

76

Pleo

AF score 76 / 100 · Leads on 5 of 8
Higher score, +7
Choose 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
Visit Pleo site

£8 to £18/user/mo (published) Read our full Pleo review

69

Soldo

AF score 69 / 100 · Leads on 3 of 8
Choose 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
Visit Soldo site

£27 or £39/mo + VAT (published) Read our full Soldo review

Scores from our independent reviews of both tools. Prices verified 12 Nov 2026.

At a glance

FactPleoSoldo
Best fitUK and EU SMB finance teamsUK and EU decentralised spend
Price£8 to £18/user/mo (published)£27 or £39/mo + VAT (published)
Pricing modelPublished per-user tiers; Scale and Lead from a monthly basePublished tiers: base fee with 3 users, then per extra user
ImplementationLowLow
Time to go liveDays to 4 weeks (AF estimate)Days to 4 weeks (AF estimate)
Agent readiness✓ 5 / 52 / 5
AF score✓ 76 / 10069 / 100

✓ marks a clear edge. Prices are as each vendor publishes them, verified 12 Nov 2026.

AF scores by dimension

Pleo leads on
AI and agent readiness
83
45
+38
Payments & money movement
70
62
+8
Pricing transparency
84
78
+6
Implementation
80
76
+4
Scalability
68
66
+2
Soldo leads on
Support
63
72
+9
Compliance depth
66
70
+4
GL and ERP fit
72
73
+1

Each 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

Compare plans on their own sitesNeither vendor pays us. Both buttons go to the vendor's own site.
Pleo£8 to £18/user/mo (published)Visit Pleo site
Soldo£27 or £39/mo + VAT (published)Visit Soldo site

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.

Decided?Or ask us about your setup below.
Pleo£8 to £18/user/mo (published)Visit Pleo site
Soldo£27 or £39/mo + VAT (published)Visit Soldo site

Keep exploring

Ask AF

Still deciding? Ask about this matchup.

A straight answer from our research on both tools.

Sources

PleoAF 76 · £8 to £18/user/mo (published)Visit site
SoldoAF 69 · £27 or £39/mo + VAT (published)Visit site
Ask AF