Opening the next chapter: Pleo Embedded

Ten years ago, a small team in Copenhagen set out to fix one of the biggest headaches in business life: expense management. Our belief was—and still is—that people do their best work when bureaucratic roadblocks disappear. We want to empower the finance team to be a business enabler and a muscle, in addition to being a control function.

A decade on, more than 40,000 forward-thinking companies across Europe ‘Pleo it’ with our intelligent spend management and cash management capability. The time our customers have saved, the insights and visibility they’ve gained and the trust they’ve built across their organisations inspire us every single day.

Today, as we celebrate that milestone, I’m delighted to share the next step in our mission.

Introducing Pleo Embedded

We’ve listened closely to the banks, fintechs and specialist software platforms that already power the daily work of Europe’s small and mid-sized businesses. They told us:

“Our customers love your ease of use—can we please offer it inside our own product?”

“We need smart company cards and expense management, but as part of our own offering and brand identity.”

“Our customers don’t want yet another login; why can’t our customers just ‘Pleo it’?”

The answer is an emphatic YES.

Today we’re launching Pleo Embedded—empowering our partners to not just embed finance, but Pleo it, i.e. deliver best-in-class spend and cash management as part of their core offering to build smarter, faster experiences that truly matter.  Here’s what partners stand to gain:

Deeper product engagement:  Offering finance tools within your platform can give your users more reasons to stay active and come back — not just to use your core service(s), but to manage their spend too.

New value streams:  By embedding spend and cash management, you open the door to monetisation models that go beyond your existing offering.

Straightforward and easy integration:  With modular tools, a no-code environment and flexible APIs, it’s easy to fit financial features into your platform without overhauling your stack, e.g. enable your SMB network to activate cards right from a business account and see spend in real time alongside balances.

Flexible brand alignment:  Whether you want full white-labelling or a co-branded approach, there’s room to make it feel like a natural extension of your experience.

Behind the scenes, our robust APIs, compliance and regulative stack and customer success engine do the heavy lifting. Our ready-to-use integrations with 30+ accounting partners,  20+ HR partners and an industry-leading NPS of 50+ we are your strategic partner in deepening customer relationships; we keep the receipts flowing and the reconciliations spotless.

Why this matters:

1. Time is the new currency. Manual work on spend management, cash management is the biggest blocker SMEs face…build a capability that is your competitive edge and your unfair advantage.

2. Europe’s economy runs on SMEs. By embedding Pleo wherever they already bank, sell, ship or bill, we help more of them thrive.

3. Partnership wins. Financial institutions enrich their core offering, vertical platforms unlock new revenue streams, and end users get consumer-grade simplicity inside their trusted tools.

Our commitment

• To our existing customers: Nothing changes about the product you know and love—except that your suppliers, accountants and favourite apps might soon be powered by Pleo too.

• To our partners: Expect world-class sandbox environments, dedicated solution engineers and go-to-market support from day one.

• To Europe’s businesses: We won’t rest until the “expense pain” is an idea consigned to history.

If you’re a bank, a fintech innovator or a verticalised software provider with a passion for helping SMEs, we’d love to talk. Reach out to our team to explore how Pleo Embedded can fit your vision—and your roadmap.

Thank you for the first incredible ten years. Here’s to the next ten, and to a continent of businesses free to spend their energy on what really matters.

Onwards,

Jeppe Rindom

CEO & Co-Founder, Pleo