specification: FinOps Framework 1.0
provider: Pleo
providerId: pleo
created: 2026-06-12
modified: 2026-06-12
url: https://www.pleo.io/en/pricing
billingModel:
  type: subscription_plus_metered
  description: >
    Pleo charges a base monthly subscription fee per plan tier (with 3 users
    included) plus a per-active-user monthly fee for each additional cardholder.
    Cashback is returned as a percentage of card spend on Advanced and Beyond
    plans, partially offsetting subscription costs.
  currency: GBP
  billingCycle: monthly
  annualDiscountAvailable: true
focusColumns:
  - column: Provider
    value: Pleo
  - column: ServiceName
    value: Pleo Spend Management API
  - column: ServiceCategory
    value: FinTech / Spend Management
  - column: ChargeType
    values:
      - Usage (per active user)
      - Subscription (base plan fee)
      - Credit (cashback on card spend)
  - column: BillingCurrency
    value: GBP
  - column: PricingUnit
    value: user/month
meters:
  - name: Active Users
    description: >
      Count of active cardholders (employees issued a Pleo card) in the
      billing period. Billed above the 3 users included in the base plan.
    unit: user
    billingCycle: monthly
    rates:
      - plan: Essential
        pricePerUnit: 11.00
        currency: GBP
      - plan: Advanced
        pricePerUnit: 15.00
        currency: GBP
      - plan: Beyond
        pricePerUnit: 18.00
        currency: GBP
  - name: Card Spend (Cashback Credit)
    description: >
      Total card spend that qualifies for cashback on Advanced and Beyond
      plans. Cashback is returned as a percentage credit against costs.
    unit: GBP spent
    billingCycle: monthly
    rates:
      - plan: Advanced
        cashbackRate: 0.5
        unit: percent
      - plan: Beyond
        cashbackRate: 0.75
        unit: percent
  - name: Base Subscription Fee
    description: >
      Fixed monthly platform fee per plan tier, inclusive of 3 users.
    unit: month
    billingCycle: monthly
    rates:
      - plan: Starter
        price: 9.50
        currency: GBP
        billingNote: Yearly only
      - plan: Essential
        priceMonthly: 45.00
        priceYearly: 39.00
        currency: GBP
      - plan: Advanced
        priceMonthly: 109.00
        priceYearly: 99.00
        currency: GBP
      - plan: Beyond
        priceMonthly: 219.00
        priceYearly: 199.00
        currency: GBP
principles:
  Visibility:
    description: >
      Pleo provides real-time spend visibility through its dashboard and
      reporting tools. API consumers can export accounting data, query
      expense records, and retrieve cost center breakdowns programmatically
      for internal FinOps reporting pipelines.
    dataExports:
      - type: Accounting Export Jobs
        endpoint: /export-jobs
        formats:
          - JSON
      - type: Expense Data
        endpoint: /employees
        formats:
          - JSON
  Optimization:
    description: >
      Spend optimization is supported through budget controls, approval
      workflows, vendor card limits, and cashback programs available on
      Advanced and Beyond plans. API-level automation allows enforcement
      of spending policies at scale, reducing maverick spend.
    controls:
      - name: Card Spending Limits
        description: Per-card limits configurable via API and dashboard
      - name: Budgets
        description: Team and project budgets available on Advanced+ plans
      - name: Approval Workflows
        description: Multi-step spend approval configurable on Essential+ plans
      - name: Cashback
        description: >
          0.5% (Advanced) or 0.75% (Beyond) returned on all card spend,
          directly reducing the effective cost of the subscription.