Pleo vs Puzzle Comparison
Compare Pleo vs Puzzle features, pricing, and more.
Last updated: November 2026
Pleo
6.8/10
Pleo is a European spend management platform that gives small and mid-sized businesses company cards, receipt capture, reimbursements and supplier invoice payments.
Puzzle
6.1/10
AI-native accounting software and optional bookkeeping services that automate categorization, reconciliation and month-end close for startups and small businesses.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.8/10 | 6.1/10 |
| Analytics | 6/10 | 7/10 |
| Compliance | 7/10 | 5/10 |
| Cost | 6/10 | 7/10 |
| Customization | 6/10 | 5/10 |
| Ease of Use | 9/10 | 8/10 |
| Integration | 7/10 | 7/10 |
| Scalability | 6/10 | 5/10 |
| Security | 7/10 | 5/10 |
| Support | 5/10 | 5/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | £8/user/mo Start | $30/mo Starter |
| Estimated cost for 10 users | £80/mo Start | $120/mo Complete |
| Features | ||
| General Ledger | ||
| Payroll | ||
| Budgeting and Forecasting | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| Invoicing | Not listed | |
| Multi-currency | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Tax Compliance | Not listed | |
Pleo vs Puzzle cost by team size
| Team size | Pleo | Puzzle |
|---|---|---|
| 1 user | £8/moStart | $30/moStarter |
| 5 users | £40/moStart | $72/moCore |
| 10 users | £80/moStart | $120/moComplete |
| 25 users | £200/moStart | $120/moComplete |
| 50 users | £400/moStart | $120/moComplete |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Pleo
- Higher Compliance score (7/10 vs 5/10)
- Higher Security score (7/10 vs 5/10)
- Better fit for small business (9/10 vs 7/10)
Why choose Puzzle
- Higher Analytics score (7/10 vs 6/10)
- Higher Cost score (7/10 vs 6/10)
- Includes General Ledger, which Pleo lacks
- Includes Payroll, which Pleo lacks
Pros & Cons
Pleo
Pros
- G2 reviewers praise the card and receipt-capture app as easy for employees to use, and Pleo holds a 4.7 rating across roughly 1,400 G2 reviews.
- Per-user list prices are published, starting at £8 per user per month.
- Native accounting integrations cover Xero, QuickBooks, NetSuite, FreeAgent, Xledger and Twinfield.
- SAML SSO is included even on the entry Start plan.
- The UK entity is authorised by the FCA, and cards are issued under a Mastercard licence.
Cons
- Build and Optimise are billed yearly and require at least three users.
- Transaction charges such as FX fees of up to 2 percent and per-payment fees add to the subscription cost.
- Live chat support is only included on Optimise, and Trustpilot reviewers complain about slow support.
- Some reviewers report weak coverage and support in the US.
- It is not an accounting system and has no general ledger, customer invoicing or payroll.
Puzzle
Pros
- Most transactions are categorized automatically: the vendor claims 85 to 90 percent on every plan.
- Reviewers praise the clean interface for non-accountant founders.
- Direct integrations with Stripe, Mercury, Brex, Ramp, Gusto and Rippling suit startup tool stacks.
- Entry pricing is low and flat, at $30 a month, and annual billing gives two months free.
- Optional bookkeeping, CFO and tax services are available from the same vendor.
Cons
- Users report AI miscategorizations that are hard to fix manually.
- Some reviewers say it feels immature, with missing basics and occasional lag.
- Reviewers report support lapses, such as a missed onboarding call.
- Revenue recognition and classes only come with Complete at $120 a month.
- Multi-currency support is not documented.
Not sold on either?
Frequently Asked Questions
Pleo scores higher on our Finance Software criteria: 6.8/10 against 6.1/10 for Puzzle. The largest gap is in Compliance: 7/10 for Pleo and 5/10 for Puzzle.
No, neither Pleo nor Puzzle lists a free plan.
Pleo is the better fit for small business: we rate it 9/10 for them, against 7/10 for Puzzle.
Puzzle has General Ledger and Payroll, which Pleo lacks.
