# Plastiq Software Pricing, Alternatives & More 2026 | Capterra

> With the help of Capterra, learn about Plastiq Software - reviews, pricing plans, popular comparisons to other Accounts Payable products and more.

Source: https://www.capterra.com/p/215632/Plastiq

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# 

 Plastiq Software Review 2026: Features, Integrations, Pros & Cons

Last updated on March 13, 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)[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/)

Overall rating

Based on 29 user reviews

Reviews sentiment

Positive

83%

Neutral

7%

Negative

10%

Contact vendor  
for pricing

Free trial  
available

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## 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 (3,269)](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 (7,619)

Value For Money

3.8 (26)

Value For Money

4.2 (6,535)

Customer Service

3.9 (26)

Customer Service

4.0 (6,240)

## Plastiq alternatives

Highest Rated

[4.7 (822)](https://www.capterra.com/p/163114/Zoho-Invoice/reviews/)

Starting price

Contact vendor for pricing

Pricing Options

Free Trial

Free Version

User Rating

96%

of reviewers

rated it above 4 stars

[4.6 (1,420)](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

[4.5 (4,506)](https://www.capterra.com/p/142390/FreshBooks/reviews/)

Starting price

$21.00

Per User, Per Month

Pricing Options

Free Trial

Free Version

User Rating

92%

of reviewers

rated it above 4 stars

[4.2 (1,991)](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

[View all alternatives](https://www.capterra.com/p/215632/Plastiq/alternatives/)

## Features

Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically.

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

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

Debit/Credit Card Processing

5.0 (7)

28.57% of 7 reviewers that rated this feature as important or highly important

Accept and process credit/debit card transactions

Plastiq 38 features

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

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

Application programming interface that allows for integration with other systems/databases

Manage the process of evaluating documents or requests submitted for approval

Create, manage, and send invoices or bills to customers

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

Accept and process credit card transactions

Reports that show customers their invoices, payments, and balance on the account

Import and export data to and from software applications

Protect sensitive data for digital privacy

Accept and process credit/debit card transactions

Transfer money electronically between two bank accounts

Electronically collect payments for goods or services

Transactions that typically involve face-to-face interactions between the payer and the payee

Create invoices from scratch or have recurring invoices

Store and view prior invoices for each account/client

Creation, processing, verification, and execution of invoices till the payment is made

Manage and handle various international currencies

Process payments via multiple modes directly through the application

Create, send, and view electronic invoices

Accept and process online payment transactions

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)

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

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

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

Contact vendor  
for pricing

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.

AU

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

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.

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

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

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

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.

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

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.

[View all Reviews](https://www.capterra.com/p/215632/Plastiq/reviews/)

Popular comparisons

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[Online Check Writer vs Plastiq](https://www.capterra.com/compare/215632-237205/Plastiq-vs-Online-Check-Writer) 

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