--- title: "Plastiq Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about Plastiq Software - reviews, pricing plans, popular comparisons to other Accounts Payable products and more." source_url: "https://www.capterra.com/p/215632/Plastiq/" page_type: "product" language: "en" --- # Plastiq Software Review 2026: Features, Integrations, Pros & Cons Last updated on August 20, 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)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) Plastiq ## What is Plastiq? Plastiq is the smart payments platform designed to help businesses better manage cash flow with instant access to working capital on a modern payables automation platform. With Plastiq, you can pay suppliers fast - even if they don’t accept credit cards. You also get more working capital, the ability to access instant short term financing options, and can view your cash position at a glance with cards and back balances in one super dashboard customized for you by Plastiq. ## What is Plastiq used for? [Accounts Payable](https://www.capterra.com/accounts-payable-software/)[Payment Processing](https://www.capterra.com/payment-processing-software/)[Recurring Billing](https://www.capterra.com/recurring-billing-software/) Top alternative Featured Overall rating Based on 29 user reviews Reviews sentiment Positive 83% Neutral 7% Negative 10% ### Starting price Free trial available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for Plastiq?[Manage this product listing](https://www.g2.com/products/plastiq/claim_requests/new?auto=true) ## Plastiq Overview Updated August 2026 AI summary Plastiq offers cloud-based solutions for small and midsize businesses to manage accounts payable and receivable, billing, and payment processing. It features ACH payment processing, electronic funds transfer, approval workflows, and vendor management, while also supporting multi-currency transactions and recurring payments. Additional capabilities include an API, self-service portal, accounting tools, and reporting for financial oversight. ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### Plastiq 4.3 (29) VS. [4.4 (3,329)](https://www.capterra.com/p/120109/Xero/reviews/) Starting Price Contact vendor Starting Price $25 Flat Rate, Per Month Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.5 (29) Ease Of Use 4.4 (7,763) Value For Money 3.8 (26) Value For Money 4.2 (6,671) Customer Service 3.9 (26) Customer Service 4.0 (6,376) ## Plastiq alternatives Highest Rated [4.6 (1,486)](https://www.capterra.com/p/127994/Jobber/reviews/) Starting price $39.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 93% of reviewers rated it above 4 stars [4.2 (2,073)](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 [4.0 (629)](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 [4.2 (405)](https://www.capterra.com/p/184673/Melio/reviews/) Starting price $25.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 83% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/215632/Plastiq/alternatives/) ## FAQs about Plastiq Overview ### Which roles and teams benefit most from Plastiq? Plastiq is most used by business owners, presidents, CEOs, and finance leaders who need flexible ways to pay vendors, manage cash flow, and extend payment timing. Operations managers and directors benefit from streamlined bill payments, while growing companies use it to centralize expenses and maintain smoother accounts payable workflows. Answer based on 29 reviews Overview ### What company size and industries is Plastiq built for? Plastiq is built primarily for small businesses, which make up 93% of reviewers, with real estate the top industry at 14%. It also serves entrepreneurs and medium to large corporations, with wholesale at 10% and information technology and services at 7%, commonly for accounts payable. Answer based on 29 reviews Features and Usability ### What are the key features of Plastiq? Plastiq offers payment processing tools including ACH payment processing, credit card processing, electronic funds transfer, and multiple payment options. It also includes accounts payable and accounts receivable functions, invoice creation and recurring invoicing, payment reconciliation, approval process control, reporting and analytics, and accounting integration. Integrations ### Which third-party tools and platforms does Plastiq integrate with? Plastiq integrates with NetSuite. Answer based on 2 reviews Getting Started and Support ### What training and onboarding options does Plastiq offer? Plastiq provides live online sessions, documentation, and videos to help teams get started. Live online sessions support guided setup and direct instruction, documentation offers written reference material for later use, and videos provide self-paced walkthroughs of key features and steps. Getting Started and Support ### What customer support options does Plastiq offer? Plastiq provides email/help desk support, an FAQ/forum, a knowledge base, and chat. Users describe support as helpful when agents respond, but some report slow follow-through and difficulty getting past front-line help, while others say customer service has been responsive and easy to work with. Answer based on 5 reviews ## Features AI summary Based on 4,930 Accounts Payable reviews Capterra data shows that buyers of Accounts Payable software rank the following features as their top priorities: - **Accounting** (**62%** of reviewers rated this feature as critical) - **Invoice Processing** (**55%**) - **General Ledger** (**55%**) Plastiq supports **Accounting** and **Invoice Processing**, helping finance teams manage core payables work and handle invoices more efficiently. However, it does not include **General Ledger**. Instead, it offers **Billing & Invoicing** (**58%**) and **Expense Tracking** (**51%**), which give businesses added visibility into outgoing payments and day-to-day spending, allowing teams to keep financial records organized and make more informed payment decisions. Invoice Processing 2.5 (2) 50.00% of 2 reviewers that rated this feature as important or highly important Creation, processing, verification, and execution of invoices till the payment is made Billing & Invoicing 3.4 (7) 0.00% of 7 reviewers that rated this feature as important or highly important Create, manage, and send invoices or bills to customers Electronic Funds Transfer 4.4 (12) 58.33% of 12 reviewers that rated this feature as important or highly important Transfer money electronically between two bank accounts Payment Processing 4.6 (12) 58.33% of 12 reviewers that rated this feature as important or highly important Accept, record, and reconcile financial transactions Approval Process Control 4.6 (8) 62.50% of 8 reviewers that rated this feature as important or highly important Manage the process of evaluating documents or requests submitted for approval Multiple Payment Options 4.3 (8) 12.50% of 8 reviewers that rated this feature as important or highly important Process payments via multiple modes directly through the application Plastiq 38 features ### All Features - Accounting: Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc. - Accounting Integration: Integrate with a third-party accounting system - Accounts Payable: Track money owed to a company's creditors/suppliers - ACH Payment Processing: Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) - Activity Dashboard: Dashboard to view the status of ongoing processes, identify current incidents and track past activities - API: Application programming interface that allows for integration with other systems/databases - Approval Process Control: Manage the process of evaluating documents or requests submitted for approval - Billing & Invoicing: Create, manage, and send invoices or bills to customers - Cash Flow Management: Monitoring, analysis, and projection of the movement of cash into and out of a business over a specific period - Check Writing: Issue payments to third parties via checks - Credit Card Processing: Accept and process credit card transactions - Customer Statements: Reports that show customers their invoices, payments, and balance on the account - Data Import/Export: Import and export data to and from software applications - Data Security: Protect sensitive data for digital privacy - Debit/Credit Card Processing: Accept and process credit/debit card transactions - Electronic Funds Transfer: Transfer money electronically between two bank accounts - Electronic Payments: Electronically collect payments for goods or services - In-Person Payments: Transactions that typically involve face-to-face interactions between the payer and the payee - Invoice Creation: Create invoices from scratch or have recurring invoices - Invoice History: Store and view prior invoices for each account/client - Invoice Processing: Creation, processing, verification, and execution of invoices till the payment is made - Multi-Currency: Manage and handle various international currencies - Multiple Payment Options: Process payments via multiple modes directly through the application - Online Invoicing: Create, send, and view electronic invoices - Online Payments: Accept and process online payment transactions - Payment Links: Send clickable links via text or email to collect payments from customers - Payment Processing: Accept, record, and reconcile financial transactions - Payment Reconciliation: Reconcile payments with corresponding invoices or orders for accounting purposes - PCI Compliance: Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS) - Receivables Ledger: A list of customers and their payments due updated on a monthly basis - Recurring Invoicing: Generate recurring invoices - Recurring Payments: Automatic and regular transactions made through a secure online platform at predetermined intervals (monthly, quarterly, etc.) - Recurring/Subscription Billing: Automated process of charging customers at regular intervals for repeated access or use of a product or service - Reporting & Statistics: Collection, analysis, and representation of numerical data and generation of reports to understand various patterns - Reporting/Analytics: View and track pertinent metrics to find patterns and gain insights from data - Self Service Portal: Online portal through which end users can access the system, manage tasks, or obtain information - Status Tracking: Track the status over time for a request, process, asset, or transaction - Vendor Management: Ability to track and store all vendor-related information, such as contacts, services offered, terms, etc. --- Get Advice We can help you find the software with the features you need. Features 4.3 (29) 4.3 Based on 29 reviews ## Pricing Value for money 3.8 (26) ### Starting price Free trial available Value for money 3.8 (26) 3.8 Based on 26 reviews ## Integrations [ NetSuite](https://www.capterra.com/p/135757/NetSuite/) 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 3.9 (26) 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 3.9 (26) 3.9 Based on 26 reviews ## User reviews Overall rating 4.3 Based on 29 reviews Filter by rating 5(19) 4(5) 3(2) 2(1) 1(2) Mentioned topic Sorted by most recent BK Bridgette K. owner Retail ### "Plastiq is the real deal! " 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 7/10 October 3, 2025 Pros The customer support with this company is top tier. If ever I had questions or concerns, there was someone there to assist. The ease of use and integration process was fairly simple as compared to others. The software is a great value for the money. Two of the best features are invoicing and payment processing. Cons Although the software is great, the only downside is the processing time. As a small business, I need and rely on payments to be processed quicker than 7 business days. Hopefully that can be improved in the near future. 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. RC Richard C. President Construction ### "My check payment never arrived to recipient, poor customer support, no tel contact" 1.0 Overall Rating 1.0 1.0 Ease of Use 5.0 5.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 1/10 April 26, 2024 For the reason I used them, the experience was terrible. I am out a significant amount of funds, no way to find out what happened to my payment, or where the check is currently and my project has been on hold now for more than 2 weeks since they did not deliver the contractor the check, and now I have been pushed to the back of the line for my project to start. First time user, and not so sure it is worth it if this is how they do business. Pros Easy to set up, seemed like a good way to take advantage of company CC rebates. Cons Check not dlvrd, no way to contact them. Reasons for choosing Plastiq Easy to set up, seemed like a good way to take advantage of company CC rebates. 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. Response from Vendor May 8, 2024 Hi Richard, We apologize for the poor experience. We would like to investigate this issue for you. Our Customer Service team operates M-F 9am to 6pm EST, we recommend reaching out to them by emailing service@plastiq.com and providing the payment details. Thanks, The Plastiq Team XC Xavier C. Director Food & Beverages ### "An excellent payment processor" 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 8/10 November 6, 2023 Pros The features are well thought out and easy to navigate. We've never had an issue taking payments with Plastiq. Cons The UX on the app can be tricky to navigate at times, however once you become accustomed it's ok. 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. TM Todd M. President Real Estate ### "Plastiq Customer Service Downhill" 1.0 Overall Rating 1.0 1.0 Ease of Use 3.0 3.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 1/10 October 28, 2023 It use to be pretty good. Now, it's pretty bad! Pros Good for job costing and invoice processing Cons Terrible Customer Service and No Online Chat Support with Agents 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. AN Anonymous User Restauratrice International Trade and Development ### "Logiciel de facturation " 3.0 Overall Rating 3.0 3.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 7/10 October 18, 2023 Une si rapide application Pros Cela me permet de gérer mes facturations Cons Pas de fonctionnement lorsque les données mobiles sont désactivées 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. MW Michael W. VP Logistics and Supply Chain ### "Fees too high" 3.0 Overall Rating 3.0 3.0 Ease of Use 3.0 3.0 Features 2.0 2.0 Customer Service 3.0 3.0 Likelihood to Recommend 3/10 November 30, 2022 Pros it is pretty simple to set up, interface has changed regularly and a bit better Cons fees are way too high, has hiked sizable since I started. if found decent substitute I would switch easily Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. JS Jorge S. Operations Entertainment ### "Simple fast" 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 November 18, 2022 Pros Easy to send money to pay bills intl and in usa Cons Have to use a VPN in some countries. The cost is not excessive but the cross border fee is high Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. SF Sab F. SF Financial Services ### "Plastiq is plastic" 2.0 Overall Rating 2.0 2.0 Ease of Use 2.0 2.0 Features 2.0 2.0 Customer Service 2.0 2.0 Likelihood to Recommend 2/10 November 18, 2022 Pros The main advantages of using Plastiq are\\item no fees,\\item easy to use,\\item payments can be scheduled in advance,\\item payments can be made by credit card,\\item payments can be made to anyone,\\item payment status can be tracked. Cons The main disadvantages are \\item not all billers are supported,\\item there is a 2.5% fee for credit card payments,\\item payments can take up to five days to process. 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. FV Frank V. President Real Estate ### "Plastiq easy to use " 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 November 18, 2022 Wonderful ! Pros I like the most is the ease of electronic payments. Cons When I am paying out a lot of money the Fee on payments.l get expensive. Reasons for choosing Plastiq Can pay payroll with my credit card. Miles credit card so I can get free flights and earn flights for employees. Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. DN Daisuke N. Claims, AVP Insurance ### "Cost" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 8/10 November 16, 2022 It's very useful. Pros Credit cards can be used to make payments to payees that only accept check payments Cons The cost seems a little high. I wish the price was a little lower. Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. [View all Reviews](https://www.capterra.com/p/215632/Plastiq/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. Popular comparisons [QuickBooks Online vs Plastiq](https://www.capterra.com/compare/190778-215632/QuickBooks-Online-vs-Plastiq)[PayPal vs Plastiq](https://www.capterra.com/compare/207944-215632/PayPal-vs-Plastiq) [Melio vs Plastiq](https://www.capterra.com/compare/184673-215632/Melio-vs-Plastiq)