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Plooto

Plooto review

Payment automation that keeps your books and your bank in step.

By Ciroapp Editorial Team · Updated Sep 17, 2026
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At a glance

Quick overview for Plooto: rating, pricing summary, key features, and highlights.

Ciroapp score

4.1/ 5

Plooto automates accounts payable and receivable with two-way QuickBooks and Xero sync, flexible payment rails, and approval workflows that keep bank credentials private. But you'll need to contact sales for base plan fees, and there's no published trial or refund policy. Overall, it's a strong fit for accounting firms and SMBs already on supported accounting software.

Pros

  • Pros:Two-way sync with QuickBooks Online and Xero on every plan (plus QuickBooks Desktop on Grow and Oracle NetSuite as a Pro add-on) moves suppliers, bills, invoices, and payments between Plooto and your books automatically, cutting duplicate data entry and reconciliation errors
  • Pros:Custom approval rules route each payment to the right approvers with notifications, and secure multi-user access means your team never shares bank credentials — firms can also review approvals across every client from a single dashboard
  • Pros:Per-transaction pricing scales down with volume — domestic EFT/EMT and ACH payments cost $0.50 on Grow and Pro versus $1 on Go, with optional packages of 50, 100, or 250 discounted transactions for a fixed monthly cost

Cons

  • Cons:The pricing page lists per-transaction fees but not base subscription rates, and no free plan, free trial, or refund policy is published — you need to contact sales or confirm terms before budgeting
  • Cons:The Go plan is very restrictive — only 5 domestic/ACH transactions per billing cycle, one bank account, and a single approver with a $5,000 per-transaction cap, so most businesses will need Grow almost immediately
  • Cons:Core value depends on two-way sync — if your accounting software isn't QuickBooks, Xero, NetSuite (Pro add-on), or a supported platform, the automation benefits shrink considerably
Best for
  • Accounting firms and bookkeepers managing payments across many clients
  • SMBs that want accounts payable and receivable automated end to end
  • Businesses paying international vendors and watching FX costs
This section is a summary. Detailed sections about features, use cases, pricing, and reviews follow below.

What is Plooto?

Chasing bills, rekeying invoices, and guessing when money lands can eat your whole week. Plooto puts payments on autopilot: it automates accounts payable and receivable, syncs two ways with your accounting software, and routes every payment through custom approvals. That means less data entry, tighter control, and clearer cash flow.

Plooto is a payments platform for accounting firms and their small and medium-sized business clients. It handles money coming in and going out — accounts payable, accounts receivable, and international payments — from one platform. Automated workflows manage approvals, and two-way sync keeps suppliers, invoices, and payments matched with your accounting software.

The site reports 14k+ businesses supported and 3.2m+ transactions processed annually.

Should you choose Plooto?

Quick buyer guidance before you compare plans or click through.

Choose it if

  • You want multi-user approvals without handing out bank access
  • You'd rather sync data with your accounting software than retype it
  • You need real-time visibility into when payments leave and arrive
  • You run a firm and want every client visible in one dashboard
  • You want flexible payment options, including EFT/ACH, credit card, and FX

Skip it if

  • Core value depends on two-way sync — if Plooto doesn't integrate with your accounting software, the benefits shrink
  • Trial, refund, and contract terms aren't published on the page, so confirm them before committing
  • International coverage, transfer limits, and FX rates aren't detailed here — verify your countries and volumes are supported
  • If you only send a few payments a month, approval workflows and automation may be more than you need

Next steps before buying

  1. 1Take Plooto's self-guided product tour to see the AP and AR workflow before creating an account
  2. 2Confirm Plooto syncs with your specific accounting software — that's where most of the value lives
  3. 3Read the published case studies and G2 reviews for businesses that resemble yours
  4. 4Compare trial and refund terms against one or two alternatives before you commit

Ease of use

Setup signals look positive. Plooto holds recent G2 badges for easiest setup, easiest admin, and best usability in small-business cross-border payments, and reviewers describe approvals and reconciliation as simple. A self-guided product tour lets you preview the workflow before signing up. This assessment is based on the site and listed reviews — not hands-on testing.

Plooto Key Features

⚡ Put payments on autopilot

Chasing bills and rekeying invoices eats your week. Plooto automates accounts payable and receivable from invoice to collection to reconciliation. Approvals route automatically, and payments sync back to your books.

Use it when manual payment work slows you down — one bookkeeping firm cut bill-payment time by about 70%.

✨ Ditch duplicate data entry

Plooto's two-way sync moves suppliers, customers, bills, invoices, and payments between the platform and your accounting software. You enter information once, and it stays matched in both places. That cuts manual entry and the errors that come with it.

It's most valuable when your books live in accounting software every day.

✨ Keep control without sharing bank access

Set custom approval rules and permissions, and Plooto triggers and notifies the right approvers for each payment. Reviewers highlight secure multi-user access — your team manages payments without sharing bank credentials. This helps most when several people touch the payment process and you need to see where every dollar goes.

💸 Give customers and vendors more ways to pay

Pay vendors and collect from customers however it suits you, then manage everything in real time to optimize cash flow. Payment options include:

  • EFT/ACH bank payments
  • Credit cards
  • Foreign exchange, or instant payments through a pre-funded Plooto Instant account

Choose the method that fits each payment — timing and cost can differ.

✨ See your cash flow clearly

Track payment status every step of the way, so you know exactly when money leaves your account. Accounting firms get a client management dashboard to review approvals and payments across every client in one view. That visibility helps you time payments and make informed cash decisions.

Use Cases

👥 Run every client from one dashboard

Accountants and bookkeepers review approvals and payments for every client in one place. Set approval rules once, then clients just press the final button. Expected outcome: fewer emails and more time for advisory work.

🧾 Automate supplier bill payments

Import bills from your accounting software, route them through custom approvals, and pay by EFT/ACH, cheque, or Instant. Payments sync back automatically, so reconciliation happens without spreadsheets. > Tip: use Mass Pay to send many supplier payments in one batch.

💳 Collect invoices without chasing

Send invoices, let customers pay by card or EFT/ACH, and see what's paid in real time. It's a strong fit for recurring fee models — one accounting partner calls it "a no brainer" for smoother cash flow.

🌍 Pay international vendors with confidence

Pay overseas vendors with competitive exchange rates, clear fees, and built-in compliance. Track each payment's status so you know when money leaves your account. Expected outcome: faster, more transparent cross-border payments without hidden costs.

Plooto pricing

  • 3 plans

Prices not verified yet — see the vendor page.

Plooto's pricing page

Plooto pricing page screenshotView pricing page screenshot
PlanBilled monthlyBilled annuallyIncludes
Go
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See vendor page
$5,000 max per domestic/ACH transaction; 5 transactions per billing cycle; 1 bank account; 1 approver
  • $1 per domestic EFT/EMT and ACH payment
  • 5 domestic/ACH transactions per billing cycle
  • 1 connected bank account
  • 1 approval rule with one designated approver
  • Cross-border payments $19; paper cheques $12; CRA payments $5
Grow
See vendor page
See vendor page
  • $0.50 per domestic EFT/EMT and ACH payment
  • Unlimited domestic/ACH transactions and connected bank accounts
  • Unlimited approval rules with multiple approvers
  • Payment audit trail, QuickBooks Desktop integration, and live chat support
  • Optional packages: 50, 100, or 250 discounted transactions for one fixed monthly cost
Pro
See vendor page
See vendor page
  • $0.50 per domestic EFT/EMT and ACH payment
  • Controls on payment method and approval rule changes
  • CRA transaction limit of $100,000; paper cheques $4
  • Oracle NetSuite integration (available as an add-on) and SSO
  • Priority support with dedicated phone channel, senior specialists, and SLAs

Pricing range: $0.50–$1 per domestic payment, plus base plan fees

Pricing types: Monthly subscription, Usage-based pricing

Pricing notes

Plooto offers three plans — Go, Grow, and Pro — built around low per-transaction fees. Domestic EFT, EMT, and ACH payments cost $1 each on Go and $0.50 each on Grow and Pro, with optional discounted payment packages on the higher tiers.

Plooto uses per-transaction pricing across three plans — Go, Grow, and Pro — with domestic EFT, EMT, and ACH payments costing $1 each on Go and $0.50 each on Grow and Pro.

Here's how each tier breaks down.

Go

Price: $1 per domestic EFT/EMT and ACH payment Other Features:

  • 5 domestic/ACH transactions per billing cycle, up to $5,000 each
  • One connected bank account and a single approval rule with one approver
  • Cross-border payments $19, paper cheques $12, CRA payments $5
  • Includes Plooto Instant, Mass Pay, Plooto Capture, and QuickBooks Online and Xero sync

Go is built for very light payment volumes. You get one bank account, one approver, and a five-transaction cap each billing cycle. If you're only covering a few bills a month, it keeps things predictable. Busier teams will hit those caps quickly.

Grow

Price: $0.50 per domestic EFT/EMT and ACH payment Other Features:

  • Unlimited domestic/ACH transactions and connected bank accounts
  • Unlimited approval rules with multiple approvers, plus a payment audit trail
  • Cross-border payments $10, cheques $6, CRA payments $3, and foreign exchange transfer fees waived
  • Optional payment packages: 50, 100, or 250 discounted transactions for one fixed monthly cost
  • QuickBooks Desktop integration and live chat support

Grow removes the limits that hold Go back. 💸 Unlimited transactions, unlimited approval workflows, and half-price domestic payments make it a sweet spot for growing businesses that pay vendors regularly. Optional payment packages can push your cost per payment down even further.

Pro

Price: $0.50 per domestic EFT/EMT and ACH payment Other Features:

  • Unlimited transactions and approvals, matching Grow
  • Extra safeguards: controls on payment method and approval rule changes
  • CRA transaction limit raised to $100,000 and paper cheques at $4
  • Oracle NetSuite integration (available as an add-on) and single sign-on (SSO)
  • Priority support with a dedicated phone channel, senior specialists, and escalation SLAs

Pro layers security and service on top of Grow. Tighter controls over payment and approval changes help guard against unauthorized edits, and priority support suits larger teams. Companies making large CRA payments or running NetSuite will get the most value here.

The pricing page doesn't show a free plan or free trial, and no refund policy is listed. It also focuses on transaction fees rather than base subscription rates, so confirm current monthly costs with Plooto before you commit.

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Why use Plooto?

Manual payments don't just waste time — they blur your view of cash. Based on Plooto's site and customer stories, here's where it earns its keep:

  • Automate AP and AR end to end. From invoice to collection to reconciliation, the workflow runs without the usual spreadsheet-and-email scramble.
  • Cut duplicate data entry. Two-way sync moves suppliers, customers, bills, invoices, and payments between Plooto and your accounting software, which reduces errors too.
  • Offer more ways to pay. Customers and vendors can use EFT/ACH, credit cards, foreign exchange, or a pre-funded Plooto Instant account.
  • Stay in control without sharing bank access. Custom approval rules trigger the right approvers, and reviewers highlight secure multi-user access as a standout.
  • See cash flow in real time. Track payment status at every step so you know exactly when money leaves your account.
  • Run your whole client roster from one dashboard. Firms can review approvals and payments across every client in a single view.

The results customers report are concrete: one bookkeeping firm cut bill-payment time by around 70%, and Plooto holds recent G2 badges for ease of setup, admin, and usability. If payments are eating hours you'd rather spend elsewhere, this is built to give them back.

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Plooto FAQ

Which accounting software does Plooto sync with?

You get two-way sync with QuickBooks Online and Xero on every plan, plus automatic contact import. Grow and Pro add QuickBooks Desktop, and Oracle NetSuite is available as a Pro add-on.

Is my payment data secure on Plooto?

Every plan includes end-to-end TDS and SSL encryption and multi-factor authentication. Pro adds single sign-on, plus required approvals for changes to payment methods or approval rules — a solid safeguard against unauthorized edits.

What kind of customer support does Plooto include?

All plans come with email and phone support. Grow and Pro add live chat, and Pro goes further with priority support, a dedicated phone line, senior specialists, and escalation SLAs.

Is there a free trial or refund policy?

No free trial or refund policy is listed on the pricing page. You can still preview the full AP and AR workflow through Plooto's self-guided product tour. It's worth confirming contract terms before you commit.

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