# Plooto Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Plooto the right Accounting solution for you? Explore 243 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/225025/Plooto/reviews --- Plooto 4.3 (243) [View alternatives](https://www.capterra.com/p/225025/Plooto/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated April 15th, 2026 # Reviews of Plooto Ease of use 4.5 Customer Service 4.0 ## Pros and Cons in Reviews Automated accounting connectivity 82% positive reviews out of 38 Most reviewers indicate accounting integration simplifies payables, improves tracking, and supports efficient financial management. Unresponsive customer service 54% negative reviews out of 41 Some users report customer support is slow, unhelpful, and difficult to reach when issues arise. 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 workflow 87% positive reviews out of 30 Most users report ease of use, highlighting straightforward navigation, quick setup, and user-friendly design. Seamless accounting integrations 83% positive reviews out of 24 Most reviewers describe integrations as smooth, especially with QuickBooks Online and Xero, streamlining financial processes. ## Showing most helpful reviews Showing 1-25 of 243 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Aislinn K. Marketing Asssitant Management Consulting Used the software for: 1-2 years ### "Entreflow Consulting Group's use of Plooto" April 19, 2019 5.0 Plooto has certainly helped us from a workflow perspective, it's pulling your payables from your Quickbooks or Xero account into Plooto so you can see all the payables that you need to deal with and when they're due. And there's a whole bunch of approval processes you can put in place for internal controls perspective so make things a lot more bulletproof than just manually writing checks and doing e-transfers. Pros So you can currently do pre-authorized debit, pre-authorized credit receivables in U.S. dollars and Canadian dollars which is super kick-ass. It's also made some of our clients lives a lot easier if they've got clients in different countries, and it gives their clients flexibility to pay in debit or credit. Also, as far as the amount of time it takes for that cash to clear your bank account; it's faster than Stripe, and on top of that the integration with Quickbooks makes it a lot easier to manage the fees, unlike Stripe. Cons We'd love to see more international payments to more countries just for some of our clients that have people they're paying in lots of different places around the world. As well, with the international payments, if a client has a lot of companies that they're paying in the U.S. for instance if you get really costly really quickly. So I'd like to see some bulk discounts for high volume payments to the U.S. Review Source SM Sam M. pres Wholesale Used the software for: 2+ years ### "Feb 2025 review" February 28, 2025 4.0 very good, Sometimes Plooto does not finish its job to do the lump sum transfer from the chequing account to Plooto Clearing in qbs Pros makes paying bills a breeze, would be nice if Plooto could show the bill payment batches in the Completed Payments instead of just individually Cons it does not handle vendor discounts & credits. Also when an amount comes back into Plooto Instant, it does not sync that to qbs. Also, every now & then it does not sync with qbs until the computer is restarted, the above is all to do with qbs desktop Alternatives considered [TelPay for Business](https://www.capterra.com/p/106811/TelPay-for-Business/) Reason for choosing Plooto simply decided to choose & try Plooto i guess Review Source BK Bridgette K. owner Retail Used the software for: 6-12 months ### "Good software but needs improving" October 3, 2025 3.0 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 AJ Anna J. Controller Accounting Used the software for: 2+ years ### "I'd recommend it" May 22, 2024 5.0 Pros It's easy to use and the recurring billing is the best part. The option to collect payments through bank transfers or credit cards is a nice bonus. Cons The amount of time it takes to clear payments. I wish Plooto was a clearing house and cut down on the processing time. 5 business days processing time can be very detrimental to cash flow. Alternatives considered [Veem](https://www.capterra.com/p/234815/Veem/) Reason for choosing Plooto I still use Veem for making payments to countries not supported by Plooto. Switched from [TelPay for Business](https://www.capterra.com/p/106811/TelPay-for-Business/) Automated recurring billing wasn't available with TelPay at that time. Review Source HY Heather Y. Principal Accounting Used the software for: 2+ years ### "Our EFT provider of choice" December 14, 2020 5.0 Our objective was to automate payables, and Plooto has been great for that purpose. Pros We're a Quickbooks shop, and we \*love\* the integration. Virtually all of our clients are using Plooto for payables, and some for receivables. In terms of pricing, the package is advantageous for most of our clients. Some of the tiny ones would spend less on regular bank fees -- but the convenience still makes Plooto a good option. The interface is clean and user-friendly. Our clients love the signing authority "tiers." We're working with nonprofits, so there's always a board of directors to consider -- and therefore multiple signers. It's not uncommon for orgs to specify who needs to approve organizations over certain limits, and Plooto gets us there with no fuss. Cons We still have issues with some vendors not being serviced by Plooto, e.g. credit card companies. The ability to send payments internationally through Plooto is great, but we sometimes experience issues with foreign banks. On the signing authority front, it's possible to do an "end run" around banking agreements by authorizing people on Plooto that aren't authorized on the bank account. We need to do our due diligence on that, to ensure payments are authorized only by signing authorities. Alternatives considered [TelPay for Business](https://www.capterra.com/p/106811/TelPay-for-Business/) Reason for choosing Plooto Software integration, convenient user interface Review Source AC Alan C. Executive Director Education Management Used the software for: 1-2 years ### "Contact integration between Xero and Plooto is currently ineffective" November 23, 2023 3.0 Plooto's support has provided an unsatisfactory response, dismissing the issue as not within their purview. This unaddressed concern prompted me to seek an alternative accounts payable software solution. Pros The interfaces are clean and the functionality with the software is very solid. Cons The contact integration between Xero and Plooto is currently ineffective, with each party attributing the issue to the other. When contacts are synchronized from Xero to Plooto, they are automatically generated as customers in Plooto, and there is no option to switch them to suppliers. The only recourse is to delete the customer contact and manually recreate it as a supplier. This persistent problem, reported to Plooto, introduces additional delays, requires extra confirmation of hand-offs, and disrupts the workflow with added confusion. Reason for choosing Plooto It came as part of my accounting firms preferred tech stack. Switched from [CIB pdf standalone](https://www.capterra.com/p/174657/CIB/) The product selection field above is not working correctly. CIBC Cash Management Online was very expensive and did not provide a full range of payment delivery options. Review Source NL Noah L. Senior Financial Analyst Market Research Used the software for: Less than 6 months ### "Time Saver" September 1, 2022 5.0 Pros Plooto has reduced our payment processing time down from 4-5 hours twice a month to paying our key vendors on a weekly basis in 45 minutes. We went from cutting over 50 cheques to completely electronic payment methods, with the option to still send cheques to vendors that prefer it. It is very easy to use and syncs perfectly with QuickBooks Online. They give excellent transparency on timelines of your payment statuses so you can keep vendors informed of when they can expect payment. Customer service is right at your finger tips and gives almost immediate help through their chat feature. Cons Some vendors can be skeptical to enter banking details into a third party payment processor. Alternatives considered [Quadient Accounts Payable Automation](https://www.capterra.com/p/133062/BeanworksAP/)[Stampli](https://www.capterra.com/p/147301/Stampli/)[Lightyear](https://www.capterra.com/p/178978/Lightyear/)[Tipalti](https://www.capterra.com/p/236980/Tipalti/) Reason for choosing Plooto Does it exactly what we needed it to without having extra add-ons. Other A/P automation software out there can be very intricate, causing the pricing to be very expensive for features you may not even need. Plooto is very simple and to the point, but still does exactly what we need to at a fraction of the price. Review Source SB SARA B. Owner Accounting Used the software for: 1-2 years ### "It's Okay" December 14, 2020 4.0 I am striving to keep my payment processing costs as low as possible. As such, I've stuck with Plooto and have tried to have as many clients as possible do ACH processing. However, more and more clients are requesting to use credit cards, and many are okay with paying a surcharge for processing fees. Plooto does not accept credit card payments, and I would prefer to have a one stop shop for payment processing. I was happier when it was a flat $1 fee per ACH, I'm now paying much more per transaction due to the flat $25 per month fee and the small amount of clients I have who are still willing to do ACH payments. Pros If you're looking for automatic draws, it works well. Syncs with both QBO and Xero. Cons If your client doesn't have all of the funds in their account, you won't be notified. Plooto will draw what it can and you'll have to log in to look to see who failed to pay in full. Pricing is okay. You're essentially charged $2.50 for ACH. If you're using QBO, you may as well just use their ACH payment processing as it's cheaper. If you're using Plooto to pay a client (a refund, for example) it isn't automatic. You have to set them up again, and they'll have to guess a password to accept the funds you're transferring to them. It's bizarre that you can take money from them, but can't send it to them. Alternatives considered [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[Stripe](https://www.capterra.com/p/123889/Stripe/)[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Plooto At the time (February 2019), Plooto had the best pricing and I do not use QBO for my bookkeeping. Review Source VS Varun S. Partner Accounting Used the software for: 2+ years ### "Fantastic option for an accounting firm!" December 17, 2020 5.0 Very positive and highly recommended Pros We've transformed our accounting firm from traditional "after the fact" billing and collection, to a monthly recurring fee model using Plooto. It has automated one of the most painful parts of running an accounting firm. Our clients love to do their own Receivables, Payables and CRA payments using Plooto. Cons Reports functionality is lacking It takes time for clients to get a hang of it initially when setting up PAD. Alternatives considered [Rotessa](https://www.capterra.com/p/170269/Rotessa/)[Chargebee](https://www.capterra.com/p/131433/Chargebee/) Reason for choosing Plooto Reputation, Affordable, Early to the cloud accounting scene Review Source JK Judah K. Owner Accounting Used the software for: 2+ years ### "It's alright, the integration with Xero is a bit iffy." December 8, 2020 4.0 It's alright. Not great. Not bad. Nothing to write home about. Pros It's affordability and versatility. The ability to have people on ACH subscriptions is a large plus Cons No option to accept credit cards. The rigidness of the PAD form and not allowing us access to the PAD form in the event that we want to move to a different platform. Not easy to add new vendors without adding an inconvenience to them. Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing Plooto The price compared to Stripe is nicer. The subscription with ACH through using a PAD form put Veem out of the running. Review Source SB Steve B. COO Human Resources Used the software for: Less than 6 months ### "Caution, investigate and have a back up" December 19, 2024 1.0 Very poor. Lost a contractor because the funds took too long to appear in their account. Pros Easy to setup is the ONLY thing I liked. Cons Slow money transfers, cannot transfer money from one currency to another, cost per transaction is more than major e-commerce bank accounts. Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Plooto I was led to believe it was easy and fast. Review Source RW Ron W. Owner Accounting Used the software for: 2+ years ### "Plooto review" May 25, 2021 4.0 None of my clients use cheques and rarely any other mode of payment. Plooto could improve the approval process, however. Pros Plooto synchronizes with QBO pulling in all unpaid bills. Paying suppliers is done simply by ticking the unpaid items particularly if you have set up the supplier in Plooto with their banking information. If not available an e-transfer can be made or Plooto will solicit this detail from the supplier for you. Collecting outstanding receivables in QBO also works very nicely although some clients are suspicious of the solicitation. USD payments and rapid payments are also available if Plooto is prefunded, otherwise a fee is applied. Cons The payment interface with QBO was not well thought out. The first step initiates a payment and a designated approver will then have to approve the payment. Plooto immediately marks the bill as paid in QBO. The approver often delays in approving payment due to cash flows or disagreement. Running a balance sheet or payables listing in QBO is misleading since items have been removed as 'paid'. Putting the bills back into QBO as unpaid means deleting the initiated payment in Plooto and manually deleting the payment if QBO. This often leads to mistakes if there are large volumes and a busy schedule, sometimes resulting in double payments . In spite of the claims by Plooto the balance showing in QBO often become irreconcilable resulting in a write off. Plooto does not import credit amounts resulting in overpayments. The resolution to this by Plooto to this issue is extremely simple. Do not mark 'initiated' payments as 'paid' only 'approved' payments. Reason for choosing Plooto I liked the importation of bills from QBO but the payment interface has caused misleading financial statements for my clients and reconciliation issues. Ablii is not ready for paying suppliers after more than two years of waiting. Review Source JC Jennifer C. Accounting Technician Accounting Used the software for: 1-2 years ### "Best range of options from existing software providers" March 21, 2022 4.0 Currently we are having issues with cheques not showing as being deposited for the last few months however the support team is trying to resolve this issue. Other than this, Plooto offers a lot of functionality that does improve the ease of processing AP. Pros It connects to QBO and allows easy reconciliations as well as automatic set up of payments which is very helpful. Allows set up of recurring payments and recurring deposits easily Cons A report that includes cheque numbers would be very helpful for tracking payments. It would also be helpful if, when vendor names are not exact matches, it allowed the user to select from existing vendors set up. Review Source TG Tatiana G. Owner Accounting Used the software for: 2+ years ### "Excellent software overall" December 8, 2020 5.0 Plooto allows easy and painless payments for businesses with a high volume of bills at a reasonable cost. It's pretty user friendly, although there are some advanced user tips which are hard to learn about. Pros We set up all our high volume AP clients on Plooto for ease of payment, self reconciliation with QBO and ease of troubleshooting. We queue up the invoices and they get send to the account owner for approval. Then Plooto marks the bills as paid. Cons I wish there was an approval process ahead of time, not only at time of payment. You will also need to do a manual entry to apply any CRA payments as Plooto will not know how to apply it for you - I wish there was a tool that could map the CRA payment to the right balance sheet account when you pay. If a payment is rejected or not accepted, Plooto does not notify you - it takes some monitoring and troubleshooting to find payments that were not accepted. There should be an email advising the user. The training is minimal, but should include tips on how to pull and export the bank data for analysis, I only learned of it from support which is a waste of Plooto's resources. Reason for choosing Plooto Ease of use, excellent audit log, trace features, self reconciliation Review Source ZK Zak K. Executive Director Marketing and Advertising Used the software for: 2+ years ### "Turnkey, easy to use accounts payable solution" December 8, 2020 5.0 It's been a tent pole product for us as part of our finance activities. Highly recommend to any organization with daily payment needs. Pros Plooto makes it very easy to pay suppliers and vendors. If you can get your bills from Xero or your accounting software, its just a couple of clicks away to create payments. The additional approval workflow features are great for scaling up and delegating Accounts Payable and setting limits on payment types. Plooto Instant is also a very handy solution for last minute payment needs, we always keep funds there for our staff. Cons A better/more open API so we could programmatically create new payment contacts or set Email Transfer passwords, but honestly that's nit-picking. The functionality provided is more than enough for 99% of businesses. Review Source DM Diana M. Bookkeeper Accounting Used the software for: 2+ years ### "How Plooto Saved Me" December 9, 2020 5.0 Pros Supporting associations with multiple signatories this has been a world of difference in my process flow and the quality and timeliness of payment processing. Each of signatories is set up and whosh off go payments. Was for several years using postal services or meeting in person. A couple of postal strikes later during which i felt i was losing the plot. Labelling/addressing envelopes (small operation so no stamps or administrative assistants), going to post office. And same on the other end for the receivers. Also had a situation of a missing cheque and bank account fraud as well. Am sure it was a payment to service provider that disappeared. Suddenly draws to the bank account are coming from all over Canada for large amounts. And then I bumped into Plooto at a QBO Conference...LIFE CHANGING. Not to speak of today's world where I'm limiting as much errand running as possible. Cons Used to be support was on phone live. really hate the chat funciton, somehow my descriptions never get captured by the feed, they receive blanks on support end. So it is really a pain. don't know why and know it must be a set up thing but have not been able to solve. Review Source DK Darshi K. CPA Accounting Used the software for: 2+ years ### "Plooto Review" December 14, 2020 5.0 excellent software, very easy to setup and use Pros Ease of use, easy setup and integrated well with the Xero software Cons Fees per transaction increased this year Switched from [PayPal Enterprise Payments](https://www.capterra.com/p/213069/Braintree/) Integrated with Xero software Review Source TB Tammy B. Publisher Publishing Used the software for: Less than 6 months ### "It appears to have it all until you use it." December 17, 2018 1.0 Not Good. Really ambitious to make it work I like the concept but they make it very hard to be a client. Pros I like that it can process both bank or credit card payments for receivables. It can provide automation too but unfortunately it didn't work for me. I like the price. And I like that it linked into xero. It appears to have it all until you use it. Cons 1) Its not easy to use, no introduction. 2) the automation component never worked for me I know I had to get PAD on but I wanted it on for some clients off for others and this was not an easy thing to set. It also doesn't allow me to store the credit card something like Quickbooks online I had in mind but this is a complete oversight to the program. I guess if automation actually worked then this could solve this issue. 3) Ya I was very confused but when my clients couldn't figure it out either, some ended up with duplicate payments pulled from their accounts etc. No help to fix very embarrassing. 4) their live chat is not live. You ask a question and wait. Fine to get started but even in the middle of conversation to deal with issues they just disappear. The conversation is not live. Sometimes they don't even read my questions which makes me think not a real person is helping me. 5) Money holding ridiculous! If a client due date on invoice was 30 days and they paid me next day I had to wait until what my invoice said for due date on payment. Plus when money drops into my account there is no PLOOTO ID on the deposit. Very confusing for trying to reconcile. 6) Plooto reconciled in Xero in its own little account but doesn't reconcile with the bank account. Weird and confusing. Review Source JW Jacky W. Manager Accounting Used the software for: 1-2 years ### "Plooto is great for the needs of small businesses" December 17, 2020 5.0 Pros Plooto is an affordable, easy to use software to manager your payables and receivables. It delivers the checks and balances needed for approval requirements and division of duties/responsibilities and provides built in reminders and notifications on outstanding and completed payments. Cons It does not connect well with accounting software such as Quickbooks in that awaiting approvals are indicated as paid when in transit. Review Source PS Pauline S. Accounting supervisor Accounting Used the software for: 1-2 years ### "Plooto Review" January 5, 2024 5.0 great, their customer support is reliable as well and i find the software very reliable in payment processing Pros it is very cheap for its worth i think and it is very easy to the eyes Cons they can improve their reports i think, and also i do not like the limit on batch approval that gives approver only 10 lines to approve at a time Alternatives considered [VoPay](https://www.capterra.com/p/244852/VoPay/)[Stripe](https://www.capterra.com/p/123889/Stripe/)[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[Xero](https://www.capterra.com/p/120109/Xero/) Review Source Bailey F. CEO Marketing and Advertising Used the software for: 6-12 months ### "The cheapest tool to get your invoices paid." December 14, 2020 5.0 Pros I've been using Plooto for a little under a year now and it is incredible, it sync's directly with quickbooks and allows me to get my domestic invoices paid for under a 1$ per transaction! The flat-rate fee is a game-changer for me, and means I don't have to pay Stripe's 2.9% transaction fee every time. Cons Two downsides: - With QuickBooks recurring transactions, you can't sync a recurring transaction with a recurring receivable in QuickBooks so Plooto marks each recurring transaction as paid, you have to do this manually. - Payment times can be anywhere from 3 - 7 days which is a little slow. Stripe offers instant payout which is a game changer. If Plooto could also offer instant payout for a flat rate that would make this software god-tier. Review Source Ryan P. COO Computer Software Used the software for: 2+ years ### "Excellent Accounts Payable System" December 8, 2020 5.0 Pros Easily handles multiple currencies, sync with Xero easily, handles emailing contacts Cons Nothing really that I can think of. Really great software Review Source Rachel S. Executive Administrator Religious Institutions Used the software for: 6-12 months ### "Plooto - easy, enjoyable - pay and get paid!" May 6, 2021 5.0 I have not much used the back end of this product - but as a front end user it's been fantastic. Pros Love how easy it was to set up to receive a payment. It only took a couple of minutes, and I appreciate the confirmation deposit that is made to make sure the funds are going to the right account! Cons I'm not sure of the downside to Plooto. There's a small hassle of getting it set up with your bank account, so it's a little more work than an electronic funds transfer, but it's a small price to pay to make sure everything is going to the right place. Review Source DS Diana S. Owner Accounting Used the software for: 2+ years ### "Plooto Bill Payments" December 17, 2020 3.0 Relatively good, but as I said earlier, reconciling is a nightmare, there is no real way to see what is happening in the back end. Pros I really like that I can set up approval tiers, I also appreciate that once it is set up it is relatively easy for my clients to use. Cons The reporting features are pretty much non existent and reconciling can be a nightmare if using Plooto Instant especially with my high volume clients. I also don't think that you should charge a subscription fee, especially if the client is doing high volumes as some of my clients do. There is also no partner program or incentives for accounting professionals who recommend and implement it to our clients. Reason for choosing Plooto I use both Plooto and Veem depending on my client , this is because of the cost mainly. Review Source HG Hugo G. Xero Specialist Advisor Accounting Used the software for: 6-12 months ### "Very effective to manage account payables remotely" December 10, 2020 4.0 It’s been great and they keep improving their capabilities. Pros We are virtual bookkeepers and Plooto allows us to manage our clients AP remotely. We schedule bill payments and our clients ta release payments by emails sent by Plooto after we scheduled the payments. It’s fantastic! Cons Amount of days to get the money processed and deposited to your suppliers bank account can be long (4-5 days). Cannot make payment to credit card accounts. 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