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Plooto

Plooto

Reduced risk, less stress, and smoother payments.

#2 dans Accounts Payable
2 min read · Updated 10/5/2025
Plooto homepage screenshot

At a glance

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

Ciroapp review

2.2
Essential AP/AR Features, Mixed Execution.

We find Plooto provides comprehensive AP/AR features, integrating deep compliance controls and two-way sync with major accounting platforms. However, external feedback highlights concerning functional issues regarding payment speed and customer support responsiveness, which are critical for financial software. Overall, Plooto offers robust core capabilities but struggles significantly with timely service delivery and reliability, severely impacting user experience.

Pros

  • Pro:Ability to automate AP and AR, including two-way sync with platforms like QuickBooks and Xero.
  • Pro:Supports custom payment approval workflows with multiple team members and rules.
  • Pro:Grow and Pro plans offer unlimited domestic transactions monthly.
  • Pro:Affordable entry-level Go plan starts at just $9 per month.

Cons

  • Con:Customer support is frequently described as slow, unresponsive, and uncoordinated.
  • Con:Payment processing speeds are often excessively slow, taking 4 to 7 days to clear.
  • Con:Onboarding and verification processes can be significantly drawn out and complex.
  • Con:Users report conflicting information provided by different support agents.
Free trial
Yes — 30 days
Range: $9–$99+/monthFree trial, Monthly subscription, Usage-based pricing
This section is a summary. Detailed sections about features, use cases, pricing, and reviews follow below.
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Plooto review, pricing, features, pros & cons

Are you tired of manual data entry and complicated payment workflows? Plooto understands that time is money when you're building a business. It streamlines AP and AR, providing total cash flow control and leading to smoother payments.

This results in reduced risk and much less stress. ✨

What is Plooto?

Plooto is an all-in-one software designed for accounts payable and receivable management. This powerful solution helps modern finance teams, growing businesses, and accounting firms take control of their cash flow. It eliminates manual payment and accounting tasks, freeing you to focus on growth potential.

Plooto simplifies complex transactions, handling everything from international payments to EFT, all in one secure place. 💡

Plooto Key Features

✅ Automated Accounts Payable and Receivable

Plooto acts as an all-in-one software solution for managing both accounts payable (AP) and accounts receivable (AR). You can process all transactions quickly and securely using the power of automation. This eliminates complicated processes, giving your business total control over cash management.

Automation helps you streamline payment operations and enhances payment security. By consolidating these functions, you spend less time managing routine financial tasks. This allows you to focus on growth potential and shaping the future of your company.

✨ Smart Invoice Importing with Plooto Capture

You can knock out manual data entry using advanced importing features. Plooto allows you to import contacts and invoices quickly and seamlessly into the system. This capability significantly reduces the time required for initial setup.

Plooto Capture utilizes optical character recognition (OCR) to streamline invoice processing automatically. Because the setup is fast, you can often make your first business payment in just a few minutes. This efficiency saves considerable time for modern finance teams.

✨ Seamless Cross-Platform Reconciliation

Plooto helps you conquer your books quickly with certified two-way sync functionality. This feature automatically reconciles your paid bills to the corresponding payments within the platform. The integration eliminates the tedious manual work usually associated with reconciliation.

This automatic syncing works seamlessly with major accounting platforms. Plooto integrates directly with QuickBooks, Xero, and NetSuite. This process ensures your financial records stay accurate and up-to-date across all systems.

✨ Configurable Permissions and Approval Workflows

Plooto is built to be a strong team effort, letting you add multiple users for collaborative management. You can easily approve business payments regardless of whether team members are working remotely or in the office. This flexibility improves operational flow.

Customized approval workflows and permissions are key tools that help reduce internal risk exposure. For large organizations or firms, advanced plans allow you to set controls on who can make changes to payment methods or approval rules, maximizing financial security. Customized controls allow you to operate the way you want.

✨ Comprehensive Global Payment Methods

The platform helps businesses own their cash flow management by supporting a broad range of transaction types. Plooto allows you to pay and get paid using many different methods, all managed in one central place. Money can move super fast using the integrated options.

Payments are supported in both directions, covering instant transfers, ACH, and EFT. You can also handle transactions using physical checks, credit cards, debit cards, and international payment options. This versatility ensures you never have to move outside the system to manage complex transactions.

Use Cases

💨 Eliminating Manual Data Entry

Starting a business payment often begins with typing critical invoice details, leading to wasted time and potential mistakes. Instead, you can import invoices quickly and seamlessly using Plooto Capture. The system instantly knocks out manual data entry, speeding up your process significantly.

You can easily make your first official vendor payment in just a few minutes. This powerful automation frees up employees to focus on tasks that truly drive business growth.

🛡️ Managing Approvals for a Remote Team

Problem: Your growing business requires several team members to authorize payments, but they are often remote or mobile. Relying on shared bank access or internal email chains creates security risks and causes delays. Approach: Plooto lets you set up customized approval workflows and add multiple users securely.

You control who can view transactions and authorize releases, reducing internal risk. Outcome: Payments are approved quickly and securely, even when team members are working from different locations. This built-in control ensures financial governance is maintained at every single step.

🤝 Conquering Tedious Reconciliation

Manual reconciliation processes steal valuable time from your accounting staff every month. Plooto solves this challenge with certified two-way sync for major platforms. It integrates with QuickBooks, Xero, and NetSuite to automate your bookkeeping.

When a bill is paid through Plooto, the system automatically records and reconciles the payment instantly. This critical feature helps businesses minimize non-billable work, potentially saving up to 40 hours monthly.

💸 Flexible Options for Paying and Getting Paid

Your vendors and clients expect transactional flexibility, which often forces you to juggle multiple platforms. Plooto centralizes all your transactions in one place. You can process international payments, send funds via EFT or ACH, or pay suppliers using your commercial credit card.

The system also supports accepting payments from clients through Pre-Authorized Debits (PADs). You gain total cash flow control and the ability to pay and get paid precisely how you want.

📈 Scaling Operations for Accounting Firms

Accounting firms require efficient workflows to deliver high-quality client service without increasing internal risk. Plooto minimizes the time spent on non-billable work by consolidating your tech stack. You can utilize customizable permissions and approval workflows to help reduce risk across all your clients. This approach helps eliminate human error and provides better visibility.

Tip: Look into discounted or free subscriptions offered to qualifying firms based on client volume.

Pricing Overview for Plooto

Pricing range
$9–$99+/month
Pricing types
Free trial, Monthly subscription, Usage-based pricing

Plooto offers three subscription tiers—Go, Grow, and Pro—starting at $9 per month. Pricing scales based on the volume and complexity of your payment operations, with transactions potentially charged separately or via optional packages.

Plans & Pricing

Go

Monthly$9
Conduct up to 5 domestic transactions per month from 1 connected bank account. Pay by Card limit is $10,000 per transaction.
  • Automatic two-way sync with accounting software
  • Streamline invoice processing with Plooto Capture (OCR)
  • Set basic approval workflows with 1 designated approver
  • Invite and collaborate with an unlimited number of clients and users
  • Send international payments
  • Accept payments with Pre-Authorized Debits (PAD) and credit card
Start free 30-day trial

Grow

MonthlyStarting from $32
None explicitly stated for major features (domestic transactions are unlimited).
  • Automatic two-way sync with accounting software
  • Streamline invoice processing with Plooto Capture (OCR)
  • Set custom approval workflows with multiple rules and unlimited approvers
  • Connect and transact from an unlimited number of bank accounts
  • Conduct unlimited domestic transactions per month
  • Save on transactions with optional payment packages
Start free 30-day trial

Pro

MonthlyStarting from $99
None explicitly stated for major features (domestic transactions are unlimited). CRA transaction limit is $100,000.
  • Everything on Grow
  • Set controls on who can make changes to payment methods
  • Manage user access with single sign-on (SSO)
  • Access priority customer support
  • Set controls on who can make changes to approval rules
Start free 30-day trial

Plooto costs between $9 and $99+ per month with 3 plans: Go at $9/month, Grow starting from $32/month, and Pro starting from $99/month.

Plooto provides flexible pricing plans that adjust quickly as your business grows. Let's explore what each plan offers.

Go

Price: $9 per month Websites Supported: Not explicitly stated Best For: Low client payment volumes and basic approval workflows Refund Policy: Not explicitly stated Other Features:

  • Streamline invoice processing with Plooto Capture (OCR).
  • Set basic approval workflows using a single designated approver.
  • Conduct up to 5 domestic transactions monthly from 1 connected bank account.
  • Invite and collaborate with an unlimited number of clients and users.
  • Pay vendors using your commercial credit card via Pay by Card.

This robust $9 Go plan is ideal for new or smaller businesses who need streamlined payment processing and basic oversight. It lets you manage low client volumes efficiently while keeping subscription costs low.

Grow

Price: Starting from $32 per month Websites Supported: Not explicitly stated Best For: Scaling payment and approval operations, creating custom workflows Refund Policy: Not explicitly stated Other Features:

  • Set custom approval workflows with multiple rules and unlimited approvers.
  • Connect and transact from an unlimited number of bank accounts.
  • Conduct unlimited domestic transactions every month.
  • Access optional payment packages to save on transaction costs.

If your business is ready to scale, the Grow plan provides the necessary flexibility. It allows unlimited monthly transactions and helps you build complex approval processes with multiple approvers to maintain rigorous financial control.

Pro

Price: Starting from $99 per month Websites Supported: Not explicitly stated Best For: Implementing complex payment operations with advanced controls Refund Policy: Not explicitly stated Other Features:

  • Includes all features found in the Grow plan.
  • Set advanced controls on who can change payment methods and approval rules.
  • Manage user access using single sign-on (SSO).
  • Access priority customer support, including a dedicated phone channel.
  • Automatically sync with Oracle NetSuite (available as an extra add-on).

The Pro plan is designed for large organizations that require maximum security and comprehensive control over complex financial workflows. It offers priority customer support and crucial security features like SSO, ensuring both streamlined operations and elevated security standards.

Plooto provides a free 30-day trial for all plans, allowing you to test the full functionality. This trial includes 10 free domestic transactions and does not require a credit card. Accountants and bookkeepers can also investigate discounts, as they may qualify for free or discounted subscriptions based on the number of active Grow or Pro clients linked to their firm's account.

User Reviews

Plooto holds a very low 1.7 rating on Trustpilot, driven primarily by deeply negative experiences concerning customer service and payment speed. Users frequently describe the support as "horrendous" and unresponsive, detailing issues like conflicting information, unanswered tickets, and staff who often fail to read emails.

This lack of coordination and accountability leaves many users frustrated, particularly when trying to solve complex problems or recall a payment ⏳. The reliability of transfers is another recurring pain point, with multiple customers complaining about funds taking 4 to 7 days to clear, which they find unacceptable in the current digital era.

Onboarding is also frequently cited as a "nightmare," sometimes involving weeks of slow verification and cryptic refusals of service after setup. While a few users appreciate core features like the QuickBooks Desktop connection and the built-in payment approval workflows, the overwhelmingly poor service experience severely overshadows the platform’s technical utility.

What users say elsewhere

Alex D.
· Trustpilot
5.0 / 5

Plooto is great! Having one place to send e-transfers, EFT’s, and GST/HST payments with built-in approvals is very helpful. I appreciate that their support is quick to respond, as I can always reach a person, not a bot.

William S.
· Trustpilot
1.0 / 5

This was the worst experience trying to transfer funds in my life. I waited a full week for a small payment to process, which seems impossible in this day and age. It is shocking how slow and frustrating this platform is.

No reviews yet.

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Why use Plooto?

Choosing Plooto unlocks growth potential by injecting automation, security, and control into your financial operations. Businesses supported by Plooto report significant results, including possible savings of up to $4,000 per month. Here’s why modern finance teams choose this powerful platform and its built-in controls:

  • Automate Your Payments ✅: Process AP and AR quickly and enhance security with the power of automation. You can knock out manual data entry and import invoices seamlessly, making your first business payment in just a few minutes.
  • Conquer Reconciliation 🤝: Eliminate tedious manual work with certified two-way sync. Plooto automatically integrates and reconciles bills and payments with major platforms like QuickBooks, Xero, and NetSuite.
  • Secure Team Effort 🛡️: Add multiple users and easily approve payments, even if team members are working remotely. Customized approval workflows and permissions reduce internal risk, while world-class encryption protects every financial step.
  • Scale Your Operations 📈: This system is built for growth, helping you minimize non-billable work. Whether you are a business or an accounting firm, streamlined workflows help you lose human error and gain maximum time. The platform reports possible time savings of up to 40 hours every month.

Ready to transform your workflow with Plooto?

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Frequently Asked Questions

How long is the free trial, and are there transaction limits during the trial period?

You receive a free 30-day trial for any plan you choose. This trial allows you to explore the full functionality and includes 10 free domestic transactions. You do not need to provide a credit card to start the trial.

Which accounting platforms currently integrate with Plooto for two-way sync?

Plooto offers automated two-way synchronization with QuickBooks Online, Xero, and QuickBooks Desktop to conquer reconciliation. Integration with Oracle NetSuite is also available but requires an additional add-on for Pro plan users.

How does Plooto pricing handle transaction fees versus the monthly subscription cost?

Plooto uses a hybrid model of tiered subscriptions and usage fees. You pay a monthly fee for your plan, and then domestic transactions become either free (unlimited on Grow/Pro) or charged per use ($1 on Go plan after 5 free transactions).

What kind of customer support is included with the different subscription plans?

All plans include Email Support. The Pro plan offers priority support, access to a dedicated phone channel, and senior specialist resources for faster issue resolution.

Can Plooto bill the subscription and transaction fees directly to my clients?

Yes, Accountants and Bookkeepers have the option to bill the subscription costs and transaction fees directly to their clients. This service is provided at no extra cost to your firm.

Are there maximum limits set on specialized payments, such as Pay by Card or CRA payments?

Yes, transaction limits apply to certain payment types. Pay by Card transactions are limited to $10,000 per transaction across all plans. The CRA payment limit is $100,000 on the Pro plan and $25,000 on the Go and Grow plans.

How is team access managed in Plooto? Is the pricing based on the number of users or seats?

Plooto allows you to invite and collaborate with an unlimited number of clients and users across every plan. Pricing is based entirely on the feature set and transaction volume, not the number of people using the platform.

What specific security features are in place to protect my financial data?

Plooto invests in multilayer security, including end-to-end TDS and SSL encryption, plus Multi-Factor Authentication (MFA). Pro plan users also receive enhanced security controls like Single Sign-On (SSO).

Does Plooto support international payments, and how many countries can I send money to?

Yes, Plooto supports cross-border payments to over 40 countries. Grow and Pro plan users pay a lower rate of $10 per cross-border transaction compared to the $19 fee on the Go plan.

How quickly can I set up the account and begin making my first payments?

Setting up your Plooto account only takes a few minutes. You can import contacts and invoices seamlessly to make your first business payment shortly after setup.

What are the cancellation and refund policies for a Plooto subscription?

You can change or cancel your plan anytime during the initial 30-day free trial. The policy for monthly subscription cancellations or refunds after the trial period ends is not explicitly stated on the official site.

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