Pleo

Pleo solves one of the most tedious operational problems in agencies: expense management. Instead of employees paying out of pocket and submitting expense reports weeks later, Pleo gives each team member a company card with pre-set spending limits. Purchases trigger instant notifications, and the mobile app prompts users to photograph receipts immediately — before they get lost in a wallet or coat pocket. For agency finance teams, this means month-end reconciliation shifts from a painful paper chase to a quick review.

For agencies specifically, Pleo's spending controls are valuable for managing the varied expenses that come with client work. You can issue virtual cards for specific projects or campaigns, set limits that match project budgets, and track spending against those budgets in real time. When a producer needs to book a location for a shoot or a developer needs to purchase a software license, they can act immediately rather than waiting for a purchase order approval cycle that delays the work.

Compared to Moss, which positions itself as a more comprehensive spend management platform for finance teams, Pleo focuses on simplicity and employee experience. Pleo cards are easier to set up and use, making them better suited for agencies where non-finance staff need to make purchases regularly. Moss offers deeper invoice management and approval workflows that larger agencies with dedicated finance departments may prefer. For most agencies under 50 employees, Pleo's balance of control and ease of use hits the sweet spot.