--- title: "Plooto Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about Plooto Software - reviews, pricing plans, popular comparisons to other Accounting products and more." source_url: "https://www.capterra.com/p/225025/Plooto/" page_type: "product" language: "en" --- # Plooto Software Review 2026: Features, Integrations, Pros & Cons Last updated on September 9, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Users](#users)[Pros and Cons](#pros-cons)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) Plooto ## What is Plooto? Plooto is an all-in-one accounts payable and receivable software that simplifies payment processing. It automates manual payment and accounting tasks, offering features like international payments, credit card acceptance, and invoice management in one platform. The system includes customizable approval workflows and permissions that allow adding users and approving payments remotely, reducing risk and improving financial visibility. Integration with platforms like QuickBooks, Xero, and NetSuite ensures automatic reconciliation of payments. Plooto maintains transaction security through encryption and secure infrastructure. The software includes transfer features that facilitate money movement between accounts. Designed to streamline operations and improve cash flow management, Plooto serves as a solution for finance teams seeking to automate and simplify payment processes. ## What is Plooto used for? [Accounts Payable](https://www.capterra.com/accounts-payable-software/)[Payment Processing](https://www.capterra.com/payment-processing-software/)[Accounts Receivable](https://www.capterra.com/accounts-receivable-software/) Overall rating Based on 245 user reviews Reviews sentiment Positive 87% Neutral 8% Negative 5% Pros & cons Automated accounting connectivity Intuitive and simple operation Unreliable customer assistance Starting price CA$9 Flat Rate, Per Month Free trial available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... - Accounting / 2025 - Accounts Receivable / 2025 - Payment Processing / 2025 - Professional Services Automation / 2025 - Recurring Billing / 2025 Our "Best of" badge program showcases products with the highest ratings... Rating Breakdown 4.3 +− Features4.2 Value for Money4.2 Ease of Use4.5 Customer Service4.0 Rating Breakdown 4.3 Features4.2 Value for Money4.2 Ease of Use4.5 Customer Service4.0 ## Plooto Reviewers Verdict Updated September 2026 AI summary - Plooto is a fit for small businesses, accountants, and finance teams handling accounts payable and receivable automation. - Positive feedback centers around easy setup, intuitive workflows, and helpful integrations with QuickBooks and Xero. - Users find it simplifies payment approvals, recurring billing, and reduces manual banking tasks. - Buyers report negative points such as slow fund transfers, currency limitations, and inconsistent customer support responsiveness. - It works well for small businesses needing payment automation, but larger firms or those needing faster transfers may want to weigh alternatives. ## Plooto alternatives Highest Rated [4.4 (3,324)](https://www.capterra.com/p/120109/Xero/reviews/) Starting price $25.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 88% of reviewers rated it above 4 stars [4.2 (2,068)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 85% of reviewers rated it above 4 stars [4.3 (716)](https://www.capterra.com/p/76/Intacct/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 86% of reviewers rated it above 4 stars [4.0 (625)](https://www.capterra.com/p/174753/Sage-50cloud/reviews/) Starting price $124.42 Per User, Per Month Pricing Options Free Trial Free Version User Rating 76% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/225025/Plooto/alternatives/) ## FAQs about Plooto Overview ### What problems does Plooto solve? Plooto solves manual accounts payable and receivable work, including writing and mailing cheques, chasing invoice payments, and re-entering data between banks and accounting systems. Finance teams, bookkeepers, small businesses, nonprofits, and remote approvers use it to automate recurring PADs, sync with QuickBooks or Xero, enforce approval workflows, and track payments clearly. Answer based on 124 reviews Overview ### Which roles and teams benefit most from Plooto? Plooto is most used by small-business owners, presidents, founders, and other executives who need tighter control over cash flow, vendor payments, and approvals. Finance teams, including controllers, bookkeepers, accountants, CPAs, and CFOs, rely on it to automate accounts payable, manage receivables, reduce manual entry, and streamline payment operations. Answer based on 243 reviews Overview ### What company size and industries is Plooto built for? Plooto is ideal for small businesses and accountants, with 97% of reviewers from small businesses and 40% in accounting. It also appears in computer software and construction, each at 4%, while use among midsize businesses and enterprises is limited at 1% each. Answer based on 245 reviews Features and Usability ### What are the key features of Plooto? Plooto includes core accounts payable and accounts receivable features like ACH payment processing, recurring payments with PAD agreements, and payment tracking. Reviewers often highlight accounting integration with QuickBooks Online and Xero, plus differentiators such as approval workflows, dual-signature controls, bank reconciliation, and vendor or client payment management. Answer based on 162 reviews Pricing ### How much does it cost and what fees or limitations are included? Plooto offers plans from CA$9/month for Go, with Grow at CA$32/month and Pro at CA$99/month, plus a free trial. Grow includes 10 free domestic transactions, then charges $0.50 each; Pro includes free domestic transactions. Reviewers say pricing can save money, but low-volume businesses often find monthly fees harder to justify. Answer based on 51 reviews Integrations ### Which third-party tools and platforms does Plooto integrate with? Plooto integrates with Xero and QuickBooks Online most often, including QuickBooks Online Advanced. Official integrations also cover QuickBooks Desktop, QuickBooks Online Accountant, NetSuite, and QuickBooks Bi-Directional Synchronizer. These connections center on accounting workflows, especially syncing invoices, payables, receivables, and reconciliation between systems. Answer based on 66 reviews Getting Started and Support ### What training and onboarding options does Plooto offer? Plooto provides live online sessions, webinars, documentation, and videos for training. Live online sessions and webinars support guided instruction, while documentation and videos give teams written and visual reference material for self-paced learning and review. Answer based on 7 reviews Getting Started and Support ### What customer support options does Plooto offer, and how do users rate the experience? Plooto offers email/help desk, FAQ/forum, a knowledge base, phone support, 24/7 live rep, and chat. Users often describe support as responsive, helpful, and attentive during setup and troubleshooting, but others report slow replies, vague answers, difficulty reaching someone by phone or chat, and limited documentation when problems become urgent or complex. Answer based on 50 reviews Payment processing ### How well does Plooto handle business payment processing? Plooto handles business payments well for accounts payable and receivable teams that want simpler approvals and bank transfers. It works well for vendor payments, recurring billing, and accounting syncs, but some finance teams run into processing delays, partial payment quirks, reconciliation issues, and occasional support or integration problems. Answer based on 162 reviews ## Who uses Plooto? Based on Capterra reviews from the past 6 years Talk to a software expert to get a free software list tailored to your business needs ## Pros and Cons Automated accounting connectivity 82% positive reviews out of 38 Most reviewers report accounting integration enables efficient payment tracking, automation, and clear audit trails for transactions. Unreliable customer assistance 54% negative reviews out of 41 Some reviewers find customer support difficult to reach, slow to respond, and often unable to resolve technical issues. Alan C. Executive Director, 2 - 10 employees. "Plooto's support has provided an unsatisfactory response, dismissing the issue as not within their purview." Intuitive and simple operation 87% positive reviews out of 30 Most reviewers describe ease of use as a key benefit, highlighting straightforward navigation and minimal learning curve. Seamless accounting software integration 84% positive reviews out of 25 Most reviewers indicate integrations, especially with QuickBooks and Xero, streamline workflows and simplify financial processes. Chloe S. Bookkeeper, 1 employee. "It integrates well with QuickBooks, keeps everything neat and tidy." ## Features AI summary Based on 11,280 Accounting reviews Not all accounting software covers every must-have feature. Here is what Capterra reviewers flag as essential when choosing a solution: - **Income & Balance Sheet** (**57%** of reviewers rated this feature as critical) - **Financial Reporting** (**52%**) - **General Ledger** (**51%**) Plooto includes **Financial Reporting** and **General Ledger**, giving finance teams the tools to track core accounting activity and review business performance with more clarity. However, it does not include **Income & Balance Sheet**. Instead, it offers other highly valued features such as **Bank Reconciliation** (**52%**), **Billing & Invoicing** (**52%**), and **Expense Tracking** (**48%**). These features help businesses match transactions, manage outgoing and incoming payments, and monitor spending, providing teams with better day-to-day financial control. Financial Reporting 3.8 (52) 48.08% of 52 reviewers that rated this feature as important or highly important Generate reports to assess the financial performance of an organization General Ledger 3.8 (52) 36.54% of 52 reviewers that rated this feature as important or highly important Centralized accounting record which tracks all financial transactions Bank Reconciliation 3.8 (65) 53.85% of 65 reviewers that rated this feature as important or highly important Compare and match accounting/financial records with corresponding bank statements Billing & Invoicing 4.2 (49) 48.98% of 49 reviewers that rated this feature as important or highly important Create, manage, and send invoices or bills to customers Expense Tracking 3.9 (20) 30.00% of 20 reviewers that rated this feature as important or highly important Monitor and record expenses such as purchases or charges incurred Accounts Payable 4.6 (116) 81.90% of 116 reviewers that rated this feature as important or highly important Track money owed to a company's creditors/suppliers Plooto 76 features Define levels of authorization for access to specific files or systems Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc. Integrate with a third-party accounting system Track money owed to a company's creditors/suppliers Track outstanding invoices and the money owed from clients Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) Dashboard to view the status of ongoing processes, identify current incidents and track past activities Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges Manage the process of evaluating documents or requests submitted for approval Route documents and other data through one or more stakeholders for review and approval A record of all activities within the system, including user access, changes made, etc. Compare and match accounting/financial records with corresponding bank statements Create, manage, and send invoices or bills to customers Gateway through which end users can view past bills and pay current invoices Monitoring, analysis, and projection of the movement of cash into and out of a business over a specific period Issue payments to third parties via checks Private online space that lets businesses securely share documents and provide information access to clients Provides a channel for team members to share AI models, media files, communicate, and work together Track and manage adherence to policies for any service, product, process, or supplier Centralized database of stakeholders and their contact information such as names, address, phone number etc. Accept and process credit card transactions Reports that show customers their invoices, payments, and balance on the account Add customized logos and colors to align with company branding Import and export data to and from software applications Protect sensitive data for digital privacy Accept and process credit/debit card transactions Buyer isn't billed until the period is up without any interest charges Allows customers to check out with wallet payment methods that digitally store credit and debit cards Assemble applications and processes by dragging over and arranging pre-built components Transfer money electronically between two bank accounts Electronically collect payments for goods or services Manage, store and organize emails within the system or via third-party apps Reminders sent via email Convert data into a code for security Integrate with existing ERP systems Monitor and record expenses such as purchases or charges incurred Public or private sharing of digital files such as documents, audio/video, images, and more Generate reports to assess the financial performance of an organization Designed for small businesses Identify and prevent suspicious activity Centralized accounting record which tracks all financial transactions Store and view prior invoices for each account/client Captures invoice data and maintains comprehensive records for auditing and reporting purposes Creation, processing, verification, and execution of invoices till the payment is made Access software remotely via mobile devices Manage and handle various international currencies Manage and support multiple locations Set rebilling periods, charging customers one rate annually or semi-annually, then a better rate afterward, as a subscriber benefit Process payments via multiple modes directly through the application Create, send, and view electronic invoices Accept and process online payment transactions Tracking, managing, and initiating the transfer of funds for overdue customer payments Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. Send clickable links via text or email to collect payments from customers Accept, record, and reconcile financial transactions Reconcile payments with corresponding invoices or orders for accounting purposes Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS) Workflows that help acquire inventory, issue purchase orders and receive and store items in required quantity Active reporting of data and metrics Upload, track, and submit receipts in a central database A list of customers and their payments due updated on a monthly basis Generate recurring invoices Automatic and regular transactions made through a secure online platform at predetermined intervals (monthly, quarterly, etc.) Automated process of charging customers at regular intervals for repeated access or use of a product or service Collection, analysis, and representation of numerical data and generation of reports to understand various patterns View and track pertinent metrics to find patterns and gain insights from data Search and filter data across systems to locate required information by entering keywords or certain criteria Online portal through which end users can access the system, manage tasks, or obtain information Track the status over time for a request, process, asset, or transaction Set up connections to third-party platforms to improve business processes Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period Monitor or audit historical and current transactions to analyze customer account activities Manage user accounts, profiles, roles, permissions, and other details across applications, devices or networks Ability to track and store all vendor-related information, such as contacts, services offered, terms, etc. Streamlining repetitive tasks and activities through automated and predefined workflows Create, design and manage workflows for repetitive tasks Get Advice We can help you find the software with the features you need. Features 4.2 (243) 4.2 Based on 243 reviews ## Pricing Value for money 4.2 (223) Free Trial [View pricing plan details](https://www.capterra.com/p/225025/Plooto/pricing/) Go CA$9.00 Flat Rate,Per Month It includes: - 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 - Conduct up to 5 domestic transactions per month from 1 connected bank account - Use your commercial credit card to pay vendors via ACH, EFT, or cheque with Pay by Card - Send international payments with competitive exchange rates - Accept payments with Pre-Authorized Debits (PAD) and credit card Grow CA$32.00 Flat Rate,Per Month It includes: - 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 Pro CA$99.00 Flat Rate,Per Month It includes: - Set controls on who can make changes to approval rules - Set controls on who can make changes to payment methods - Manage user access with single sign-on (SSO) - Access priority customer support Value for money 4.2 (223) 4.2 Based on 223 reviews ## Integrations [ QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[ Xero](https://www.capterra.com/p/120109/Xero/)[ NetSuite](https://www.capterra.com/p/135757/NetSuite/)[ QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/)[ QuickBooks Online Accountant](https://www.capterra.com/p/229996/QuickBooks-Online-Accountant/)[ QuickBooks Bi-Directional Synchronizer](https://www.capterra.com/p/10004120/QuickBooks-Bi-Directional-Synchronizer/) Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 4.0 (211) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.0 (211) 4.0 Based on 211 reviews ## User reviews Overall rating 4.3 Based on 245 reviews Filter by rating 5(136) 4(78) 3(19) 2(4) 1(8) Mentioned topic Sorted by most recent CH Colette H. Piano Teacher Owner Director Music ### "Great Tool for our Studio" 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 August 4, 2026 We will continue using Plooto for the foreseeable future! The recurring monthly receivables features lets our school-based business bill families on the school year calendar of September to June Pros Plooto is a core tool in our business, and helps with timely payment processing (both payments and receivables). Plooto offers an affordable price for unlimited transactions. Cons The credit card processing is a welcome feature of the system, but unfortunately credit card refunds need to be requested through the internal team which takes some time. Clear accounting of which credit card refunds have been done or not done are non-existent unless you ask the team to manually make you a list. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AF Andrew F. President Real Estate ### "Solid, does what you need as needed. " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 10/10 July 22, 2026 Pros Being able to pay Canadian and international vendors from any of my bank accounts, and upload the invoices directly via email has made life so much easier. Cons Sometimes it glitches out and I can't see the screen I'm looking for as the menu hides behind a photo, figured out that adjusting screen size doesn't help either. Takes a bit longer to back out and adjust your process, but still doable. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. CS Chloe S. Bookkeeper Accounting ### "Recommend for cutting costs and cash management" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 2.0 2.0 Likelihood to Recommend 8/10 June 3, 2026 It integrates well with QuickBooks, keeps everything neat and tidy. Recipients only need to enter a one time password and then their bank info and then payments go directly to their bank with less fees than a normal EFT would be. Pros Plooto is great for setting up payments as a third party for a company as rules can be placed so that the payment is set up to be released by a manager as cash flow is there Cons It was a bit of a learning curve with how to process partial payments, recurring payments or payments without an invoice. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. NN Nabil N. IT Manager Information Technology and Services ### " Decent payment tool for small teams, some rough edges" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 7/10 May 4, 2026 It covers the basics for business payments and is easy enough to get going with minimal training. Not the most polished product but it fills the gap for teams that need something simpler than a full AP platform. Pros Makes sending and receiving payments straightforward without needing a full accounting setup. Works well for vendor payments and the approval flow is simple enough that finance doesn't need to chase people down. Cons Had some occasional bugs with payment processing that required support to resolve. The feature set is a bit limited compared to more mature tools and reporting could be more detailed. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AM Alexandra M. Operations Manager Chemicals ### "Great A/P Platform" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 May 2, 2026 Pros A key pro of Plooto is its integration with other financial tools such as Dext and Quickbooks. Payments are made easily in a variety of currencies and it’s easy to keep track of them all. Cons There is a limit on the federal payroll tax amount that can be paid at one time so I have to often separate the payment into 2. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. RP Ryan P. Lead Designer Design ### "Time saver and easy to implement." 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 March 8, 2026 Overall it's a helpful automation tool that can save you time and make it so you don't have to set reminders to bill clients. Pros I like that Plooto is designed specifically to automate accounts payable and receivable workflows, allowing businesses to send and receive payments, schedule transactions, and automate approvals. This can dramatically reduce the manual work involved in paying vendors or collecting invoices. Cons One of the biggest limitations is that Plooto doesn’t replace accounting software. It’s primarily a payments automation tool, so you still need something like QuickBooks or Xero for bookkeeping and reporting. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AN Amir N. Controller Education Management ### "Plooto Review" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 3.0 3.0 Likelihood to Recommend 8/10 December 17, 2025 The overall experience with Plooto is great, compare to using the Automated Clearing House (ACH) payment system for vendor payments. Plooto auto reconciliation feature for the weekly payments with the bank account save time for other important areas to concentrate. Pros Plooto helped us streamline our weekly vendors payment system. Plooto integration with the QuickBooks online is easy to use & navigate. Intimation to the vendors, through email about the payment details is a great feature. Cons When you logged in to the Plooto, you need to refresh and update & Sync it with QuickBooks online again & again. The normal processing time should be one working day for the domestic payments instead of 3 days without any extra charges. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. BK Bridgette K. owner Retail ### "Good software but needs improving" 3.0 Overall Rating 3.0 3.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 5/10 October 3, 2025 Pros There was no learning curve with the software. The software offers great value for the money. The payments and invoice management features were great. Cons The only con is that my account was deactivated without notice. I attempted to reach out to customer support, but did not receive a response. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. SF Sarah F. Office Manager Construction ### "Great software for processing payments." 3.0 Overall Rating 3.0 3.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 July 16, 2025 So far we are content with the payables portion. Soon we will be exploring the receivables side of the software. Pros I like how this software can sync with Quickbooks Enterprise. I can fine open invoices and you can pay directly through Plooto. It then syncs the bill in Quickbooks and marks it as paid Cons Overall i really like Plooto, but this year they had made an update which made adding new contacts more manual. Previously you could see all bills, even ones that weren't set up in Plooto. You could easily select the + to easily add the contact and set up direct deposit. Now this + is not available and evety new contact needs to be manually inputted. The problem with this is, if it is not 100% identical to your CRM (in our case quickbooks) it will not sync. Then when the bill is paid through Plooto it will not show as paid in your CRM. Which could lead to a 2nd payment. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. DS Desmond S. Administration Construction ### "Lackluster support" 2.0 Overall Rating 2.0 2.0 Ease of Use 3.0 3.0 Features 2.0 2.0 Customer Service 1.0 1.0 Likelihood to Recommend 3/10 July 8, 2025 Medium. When it works it works. When I need help, I'm on my own. For an offering as core to business as vendor payments are, support must be available when needed, and this has not been my experience with Plooto. There are other options out there offering better support. Pros Reasonably easy to set up, and payments are reliable. Accounting integrations, when they work, allow a reasonably smooth workflow. Cons Support is terrible when needed most and either offers unhelpful solutions or ignores messages. Their accounting integration needs work to ensure consistent results. Review source Vendor Referred: This reviewer was invited by the software vendor to submit an honest review. [View all Reviews](https://www.capterra.com/p/225025/Plooto/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. 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