Both Acubiz and Pleo help businesses manage expenses – but they are built for different needs. Here is an honest breakdown to help you find the right fit.
Overview
Two different approaches to expense management
Acubiz and Pleo both automate expense management, but they serve different company sizes and workflows. Here is a side-by-side look at what each platform offers.
Recommended
A
Acubiz by Visma
Enterprise expense management
- ✓No prepaid card required – employees use existing bank or company cards
- ✓Deep ERP integration – SAP, Dynamics 365, Navision, Nordic payroll systems and more
- ✓Advanced approval workflows including project approval and dimension dependencies
- ✓Single Sign-On (SSO) – the only expense solution on the market to offer this
- ✓Smart Scan with AI and machine learning for receipt capture
- ✓Dedicated onboarding team and ongoing personal support
- ✓Transparent transaction-based pricing – no hidden fees
- ✓Direct employee reimbursement to bank account via AcuPay
P
Pleo
Company card & spend management
- –Built around Pleo prepaid company cards – funds loaded upfront
- ✓Integrates with Dynamics 365 Business Central, SAP Business One and others
- –Approval workflows available – less suited to complex multi-level structures
- –No Single Sign-On (SSO)
- ✓Automated OCR receipt capture with real-time spend notifications
- –Self-service support model – dedicated support on higher plans
- –Per-user per-month pricing – costs rise as headcount grows
- ✓Strong real-time spend visibility and intuitive mobile interface
Key differences
A detailed comparison
| Category | Acubiz by Visma | Pleo |
|---|---|---|
| Company card model | Use existing bank cards – no prepaid funding required | Built around Pleo prepaid Mastercard – funds loaded upfront by the company |
| ERP integration | Broad integration: SAP S/4HANA, Dynamics 365, Navision, Nordic payroll systems and more – with deep accounting dimension support | Integrates with Dynamics 365 Business Central, SAP Business One, Xero, QuickBooks and others – well suited for standard accounting setups |
| Receipt scanning | Smart Scan powered by AI and machine learning | Automated OCR receipt capture with transaction matching |
| Approval workflows | Advanced multi-level approvals, project approval, dimension dependencies | Customisable approval workflows – better suited to simpler approval structures |
| Single Sign-On | Available across all plans | Available on Advanced plan and above via SAML (Okta, Microsoft Entra) |
| Pricing model | Transaction-based – scales well for larger organisations | Per active user per month – Starter from £9.50/month, Advanced from £99/month |
| Employee reimbursement | Direct bank transfer via AcuPay – no upfront outlay for employees | Reimbursement available but linked to the Pleo card ecosystem |
| Support | Dedicated onboarding and ongoing personal support included | Self-service on lower plans – dedicated support on Advanced and Beyond tiers |
| Best suited for | Companies with 50+ employees needing deep ERP integration and complex workflows | Smaller and growing businesses wanting quick setup and intuitive card spend management |
Frequently asked questions
Here are the most common questions we get when businesses compare Acubiz and Pleo.
Acubiz is built for mid-market and enterprise companies needing deep ERP integration and advanced approval workflows. Pleo is designed for smaller businesses that want a simple company card solution. The key practical difference is that Acubiz works with your existing bank cards – no prepaid card commitment required.
Both integrate with ERP systems, but Acubiz goes deeper. Acubiz supports SAP S/4HANA, Dynamics 365, Navision, and Nordic payroll systems with advanced dimension support. Pleo integrates with Dynamics 365 BC, SAP Business One and others – well suited for standard accounting setups.
Pleo charges per active user per month, which adds up as your team grows. Acubiz uses a transaction-based model that typically scales better for larger organisations – and with no hidden fees.
Acubiz. It offers advanced approval workflows, project approval, dimension dependencies, and Single Sign-On (SSO) – features Pleo does not provide. Pleo is better suited for smaller teams with simpler needs.
Less difficult than you might expect. Acubiz includes dedicated onboarding, setup, training and user migration as part of the process. .