Claimio vs Pleo
Claimio is a UK expense management app and a reimbursement-focused alternative to Pleo for businesses that prefer employees to pay with their own cards and get paid back, rather than issuing company prepaid cards.
Pleo is a spend management platform centred on company cards. Claimio takes a different approach — your employees pay out of pocket and get reimbursed directly through Stripe. No card programme required.
Pleo vs reimbursement-based expense management
Pleo issues virtual and physical cards to your team, then captures spending automatically. This works well for high-volume teams with predictable spend patterns.
For most UK small businesses — especially those with occasional or irregular expense claims — a card-based system adds unnecessary complexity. Employees already use their own cards. Claimio makes reimbursing them fast and accurate.
Key differences
| Feature | Claimio | Pleo |
|---|---|---|
| Model | Reimbursement | Company cards |
| Card issuance required | No | Yes |
| AI receipt scanning | ✓ | ✓ |
| Stripe reimbursements | ✓ Built in | Via payroll integration |
| Xero / QuickBooks / Sage | ✓ Business plan | ✓ Available |
| Setup complexity | Low | Medium–high |
Who Claimio is for
Teams where employees pay personally and claim back. Freelancers, agencies, professional services firms, and any business where company cards would be overkill.
Claimio handles receipt capture, admin approvals, accounting sync (Xero, QuickBooks, Sage), and Stripe reimbursement in one simple mobile app.
Pricing
Claimio is free to start. The Business plan is £49.99/month and includes accounting integrations, up to 100 team members, 150 AI credits/month, custom accounting codes, and priority support.
Try Claimio free
No cards. No contracts. Just expense claims that work.