Pigment

AI-native business planning platform for finance, sales, and HR teams

Pleo

Danish AI-powered spend management and smart company cards for European businesses

Pigment

Excellent

23/25

Pleo

Excellent

22/25

Score Breakdown

DimensionPigmentPleo

Data Residency

Where is your data stored and processed?

Pigment: EU data centres; French company with EU-only processing

Pleo: Financial and transactional data hosted in EU cloud infrastructure under Danish financial regulation.

5/5

EU data centres; French company with EU-only processing

4/5

Financial and transactional data hosted in EU cloud infrastructure under Danish financial regulation.

Legal Jurisdiction

Which laws govern the company and your data?

Pigment: French SAS under EU jurisdiction; not subject to US CLOUD Act

Pleo: Danish A/S incorporated and regulated by Finanstilsynet as an EU e-money institution; fully subject to GDPR.

5/5

French SAS under EU jurisdiction; not subject to US CLOUD Act

5/5

Danish A/S incorporated and regulated by Finanstilsynet as an EU e-money institution; fully subject to GDPR.

Data Retention & Training

Is your data used for model training?

Pigment: No training on customer data; enterprise retention controls

Pleo: Expense data is not used for AI model training; retention aligned with EU financial record-keeping obligations.

4/5

No training on customer data; enterprise retention controls

4/5

Expense data is not used for AI model training; retention aligned with EU financial record-keeping obligations.

Certifications

ISO 27001, SOC 2, Cyber Essentials, etc.

Pigment: SOC 2 Type II and ISO 27001 certified

Pleo: ISO 27001 and PCI DSS certified; financial services regulatory oversight adds additional compliance assurance.

4/5

SOC 2 Type II and ISO 27001 certified

4/5

ISO 27001 and PCI DSS certified; financial services regulatory oversight adds additional compliance assurance.

Regulatory Fit

Suitability for regulated industries and professional services

Pigment: Excellent fit for EU financial services and regulated enterprise planning

Pleo: Excellent fit for EU finance teams; regulated e-money institution with native multi-country accounting integrations.

5/5

Excellent fit for EU financial services and regulated enterprise planning

5/5

Excellent fit for EU finance teams; regulated e-money institution with native multi-country accounting integrations.

Total Score

23/25

22/25

Best For

Pigment

Best for EU-headquartered organisations needing maximum data sovereignty; regulated industries (BaFin, AMF); privacy-conscious teams who need strong data retention controls.

Pleo

Best for EU-headquartered organisations needing maximum data sovereignty; regulated industries (Finanstilsynet, BaFin); privacy-conscious teams who need strong data retention controls; teams on a tight budget.

Detailed Comparison

Pigment vs Pleo: Trust & Compliance Comparison

Pigment (Pigment, FR) scores 23/25 overall with a Gold (Excellent) trust badge. AI-native business planning platform for finance, sales, and HR teams. Pleo (Pleo, DK) scores 22/25 with a Gold (Excellent) trust badge. Danish AI-powered spend management and smart company cards for European businesses.

Dimension-by-Dimension Breakdown

#### Data Residency

Pigment leads with 5/5 vs 4/5.

●Pigment (5/5): EU data centres; French company with EU-only processing

●Pleo (4/5): Financial and transactional data hosted in EU cloud infrastructure under Danish financial regulation.

#### Legal Jurisdiction

Both score equally at 5/5.

●Pigment (5/5): French SAS under EU jurisdiction; not subject to US CLOUD Act

●Pleo (5/5): Danish A/S incorporated and regulated by Finanstilsynet as an EU e-money institution; fully subject to GDPR.

#### Data Retention & Training

Both score equally at 4/5.

●Pigment (4/5): No training on customer data; enterprise retention controls

●Pleo (4/5): Expense data is not used for AI model training; retention aligned with EU financial record-keeping obligations.

#### Certifications

Both score equally at 4/5.

●Pigment (4/5): SOC 2 Type II and ISO 27001 certified

●Pleo (4/5): ISO 27001 and PCI DSS certified; financial services regulatory oversight adds additional compliance assurance.

#### Regulatory Fit

Both score equally at 5/5.

●Pigment (5/5): Excellent fit for EU financial services and regulated enterprise planning

●Pleo (5/5): Excellent fit for EU finance teams; regulated e-money institution with native multi-country accounting integrations.

Certifications at a Glance

Certification	Pigment	Pleo
ISO 27001	Yes	Yes
PCI DSS	No	Yes
SOC 2 Type II	Yes	No

Overall Verdict

Pigment and Pleo are closely matched on trust and compliance, with scores of 23/25 and 22/25 respectively. The right choice depends on your specific regulatory requirements and existing technology stack.

Frequently Asked Questions

Which is better for EU compliance, Pigment or Pleo?

Pigment has a TrustKit score of 23/25 while Pleo scores 22/25. Pigment currently rates higher across data residency, legal jurisdiction, data retention, certifications, and regulatory fit.

How do Pigment and Pleo compare on data residency?

Pigment scores 5/5 for data residency (EU data centres; French company with EU-only processing), while Pleo scores 4/5 (Financial and transactional data hosted in EU cloud infrastructure under Danish financial regulation.).

Are Pigment and Pleo GDPR compliant?

Both tools are assessed across five compliance dimensions. Pigment has a regulatory fit score of 5/5 and Pleo scores 5/5. Check the full comparison above for a detailed breakdown.

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