Alternatives to Pleo — Smarter spending for your business
If you're evaluating Pleo alternatives, you're likely looking for spend management platforms that combine corporate cards, automated expense tracking, and real-time controls without the manual receipt chasing. Pleo stands out by issuing smart cards with per-user limits, instantly flagging suspicious purchases, and freezing cards on demand while automatically handling reconciliation. Searchers comparing options often want tools that reduce admin time on expenses, offer similar visibility into team spending, and integrate cleanly with accounting workflows. Whether your priority is tighter policy enforcement, broader card networks, or different pricing structures, understanding how each alternative handles card issuance, approval flows, and reporting helps identify the best fit for scaling company spend without adding headcount.
BrexBrex provides corporate cards, spend management and banking services primarily for US startups and scale-ups. It emphasizes instant card limits based on credit rather than cash collateral and offers strong travel and software rewards. Compared with STARK BANK, Brex targets faster self-serve onboarding and broader US-centric integrations but lacks the same localized Brazilian operational focus and may require separate solutions for PIX or local compliance.
STARK BANKBrex provides corporate cards, spend management and banking services primarily for US startups and scale-ups. It emphasizes instant card limits based on credit rather than cash collateral and offers strong travel and software rewards. Compared with STARK BANK, Brex targets faster self-serve onboarding and broader US-centric integrations but lacks the same localized Brazilian operational focus and may require separate solutions for PIX or local compliance.
StripeAdyen provides unified global payment processing with strong enterprise features, local acquiring, and advanced risk tools. It often costs less than Stripe for high-volume merchants and offers deeper customization, though it requires more technical resources to implement than Stripe's developer-friendly approach.
MercuryMercury offers business banking, treasury and card products aimed at startups and tech companies, mainly in the US. It provides strong API access and multi-entity support. In contrast to STARK BANK, Mercury focuses on developer-friendly banking infrastructure rather than comprehensive spend-control suites for non-US markets.
AdyenAdyen supplies global payment processing, issuing and financial products with strong enterprise integrations. It focuses on unified commerce and customizable reporting. In comparison to STARK BANK, Adyen is broader in payment acceptance yet less specialized in day-to-day spend governance and operational efficiency for Brazilian finance teams.
Ramp delivers corporate cards and automated expense management with AI categorization and built-in savings features. It is popular with US companies seeking zero-fee cards and real-time accounting sync. Relative to STARK BANK, Ramp offers quicker deployment and transparent pricing yet provides less emphasis on enterprise-scale operational efficiency tooling tailored to Brazilian regulatory environments.
CajuCaju is a Brazilian spend management and benefits platform offering corporate cards and real-time controls. It serves local companies needing PIX integration and simplified expense tracking. Versus STARK BANK, Caju provides lighter-weight tools suitable for smaller teams but offers fewer advanced data-intelligence features for large-scale operations.
SoldoSoldo delivers multi-user prepaid cards and spend control dashboards mainly for European SMEs. It emphasizes real-time visibility and integrations with accounting software. Compared with STARK BANK, Soldo is lighter on advanced intelligence features and not optimized for Brazilian regulatory or payment rails.
ExpensifyExpensify focuses on receipt capture, expense reporting and reimbursement automation. It is widely used by companies needing simple policy compliance. Unlike STARK BANK, Expensify does not provide core banking or card issuing, positioning it as a complementary rather than full replacement tool.
Nubank BusinessNubank Business offers digital banking accounts and cards for Brazilian companies with basic spend tracking. It provides accessible entry-level fintech services. In contrast to STARK BANK, Nubank Business targets smaller businesses and offers fewer enterprise-grade controls or advanced data-intelligence capabilities.