Your company operates in Finland or Sweden and uses Nordic accounting systems
You need API-level integrations with Netvisor, Procountor, or Fortnox — not CSV exports
You need Finnish per diem (päivärahat) or Swedish traktamente calculated automatically
You use Talenom, Fennoa, Heeros, Fivaldi, Lemonsoft, or other Finnish-specific software
You want the full expense pipeline — not just a card, but card-to-accounting automation
You want ReceiptHero automatic digital receipts
You need mileage claims for Finland or Sweden
You prefer fixed monthly pricing over variable programme-based costs
Feature | Zevoy | Pliant |
|---|---|---|
Corporate cards | ✅ Own Visa cards (physical + virtual) | ✅ Own Visa cards |
Subscription management | ✅ Dedicated card per service | ⚠️ Virtual cards available |
Receipt scanning (OCR) | ✅ | ✅ Basic |
Expense claims (out-of-pocket) | ✅ | ⚠️ Limited |
Per diem (Finland) | ✅ Automatic rate calculation | ❌ |
Per diem (Sweden) | ✅ Automatic Skatteverket rates | ❌ |
Mileage claims (Finland + Sweden) | ✅ Auto-calculated | ❌ |
Netvisor integration | ✅ Direct API | ⚠️ CSV export only |
Procountor integration | ✅ Direct API | ⚠️ CSV export only |
Talenom support | ✅ Dedicated template | ⚠️ CSV export only |
Fortnox integration | ✅ Direct API | ❌ |
Fennoa support | ✅ Dedicated template | ❌ |
Heeros support | ✅ Dedicated template | ❌ |
Fivaldi support | ✅ Dedicated template | ❌ |
Lemonsoft support | ✅ Dedicated template | ❌ |
NetSuite integration | ✅ Direct API | ✅ API |
Business Central integration | ✅ API | ✅ API |
DATEV integration | ❌ | ✅ Direct API |
Total Nordic accounting systems | 27 | 3 (all CSV) |
ReceiptHero auto-receipts | ✅ | ❌ |
Swedish representation VAT | ✅ Built-in | ❌ |
Approval workflows | ✅ Multi-tier | ⚠️ Basic |
Pricing | Fixed monthly | Varies by programme |
Pliant offers Netvisor, Procountor, and Talenom connections — but all three are CSV file exports. That means someone downloads a file and manually imports it into the accounting system. Zevoy connects to Netvisor and Procountor via direct API — expenses push automatically as complete vouchers with receipts attached. The difference between "we support it" and "it actually works without manual steps" is the difference between CSV and API.
Pliant connects to 3 Finnish accounting systems, all via CSV. Zevoy integrates with 27 systems across Finland and Sweden — including API connections to Netvisor, Procountor, Fortnox, NetSuite, and Business Central, plus dedicated export templates for Talenom, Fennoa, Heeros, Fivaldi, Lemonsoft, Visma L7, and more. Critically, Pliant has no Fortnox integration at all — a major gap for the Swedish market.
Zevoy automatically calculates Finnish per diem (päivärahat) with multi-country trip legs, meal deductions, and current tax authority rates. It also handles Swedish traktamente according to Skatteverket rules. Pliant offers neither. For any Nordic company with travelling employees, this means a separate tool or spreadsheet for travel claims.
Does Pliant integrate with Finnish accounting systems?
Partially. Pliant offers Netvisor, Procountor, and Talenom connections, but all three are CSV file export/import — not API integrations. This means manual file handling between systems. Zevoy connects to Netvisor and Procountor via direct API, and offers dedicated templates for Talenom and 10+ other Finnish systems.
Does Pliant have a Fortnox integration?
No. Pliant does not integrate with Fortnox. For Swedish companies using Fortnox — which is the majority of Swedish SMEs — this is a significant gap. Zevoy has a direct Fortnox API integration.
Does Pliant offer per diem or travel expense claims?
No. Pliant is primarily a corporate card platform. It does not calculate Finnish per diem, Swedish traktamente, or mileage claims. For travel expense management, you would need a separate tool.
Can I switch from Pliant to Zevoy?
Yes. Zevoy's onboarding team helps you set up your accounting integration, card programme, and approval workflows — typically in a 30-minute session. You'll move from CSV exports to API-level accounting automation.
What's the difference between Pliant's CSV exports and Zevoy's API integrations?
With CSV, someone downloads a transaction file from Pliant and manually imports it into the accounting system. With Zevoy's API integration, approved expenses push directly to your accounting system as complete vouchers with receipts attached — no files, no manual steps, no delay.
Pliant is a Berlin-based card company that has expanded into the Nordics with CSV-level accounting exports and a growing integration list. But CSV exports for your key accounting systems, no per diem, and no receipt automation leave gaps that a card alone can't fill. Zevoy delivers the full expense chain — from card to accounting — with API-level depth.
Zevoy Aktiebolag
Eteläesplanadi 24 A
00130 Helsinki
Finland
Business ID: 3147751-4
Zevoy is a fintech company founded in 2020. Zevoy Aktiebolag is a Finnish electronic money institution regulated and authorized by the Finnish Financial Supervisory Authority. The company cards are issued by Zevoy Aktiebolag under a license from Visa Europe Limited. Our HQ is in Helsinki, Finland and in addition to our home market we also serve Sweden, Norway, Denmark, Germany, France, Belgium, The Netherlands, Spain, Portugal, Estonia, Lithuania and Latvia.