--- title: "Plooto Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Plooto the right Payment Processing solution for you? Explore 245 verified user reviews from people in industries like yours to make a confident choice." source_url: "https://www.capterra.com/p/225025/Plooto/reviews/" page_type: "reviews" language: "en" publication_date: "2026-10-19" --- Plooto 4.3 (245) [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 October 19th, 2026 # Reviews of Plooto Ease of use 4.5 Customer Service 4.0 ## Pros and Cons in Reviews AF Andrew F PresidentReal Estate, 2 - 10 employeesUsed the software for: More than 2 years. “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.“ July 22, 2026 SB Steve B COOHuman Resources, 2 - 10 employeesUsed the software for: Less than 6 months. “Slow money transfers, cannot transfer money from one currency to another, cost per transaction is more than major e-commerce bank accounts.“ December 19, 2024 RP Ryan P Lead DesignerDesign, Self-employedUsed the software for: Less than 6 months. “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.“ March 8, 2026 RP Ryan P Lead DesignerDesign, Self-employedUsed the software for: Less than 6 months. “One of the biggest limitations is that Plooto doesn’t replace accounting software.“ March 8, 2026 CS Chloe S BookkeeperAccounting, Self-employedUsed the software for: 1-2 years. “It integrates well with QuickBooks, keeps everything neat and tidy.“ June 3, 2026 AC Alan C Executive DirectorEducation Management, 2 - 10 employeesUsed the software for: 1-2 years. “This persistent problem, reported to Plooto, introduces additional delays, requires extra confirmation of hand-offs, and disrupts the workflow with added confusion.“ November 23, 2023 CH Colette H DirectorMusic, 51 - 200 employeesUsed the software for: More than 2 years. “Plooto offers an affordable price for unlimited transactions.“ August 4, 2026 BK Bridgette K ownerRetail, 2 - 10 employeesUsed the software for: 6-12 months. “The only con is that my account was deactivated without notice.“ October 3, 2025 ## Showing most helpful reviews Showing 1-25 of 245 available reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Piano E. Director Used the software for: 3-5 years ### "Great Tool for our Studio" August 5, 2026 5.0 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 R Reviewer President Used the software for: 3-5 years ### "Solid, does what you need as needed. " July 23, 2026 5.0 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 R Reviewer Bookkeeper Used the software for: 1-3 years ### "Recommend for cutting costs and cash management" June 4, 2026 5.0 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 Nabil N. IT Manager Used the software for: 3-5 years ### " Decent payment tool for small teams, some rough edges" May 6, 2026 4.0 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 R Reviewer Operations Manager Used the software for: 3-5 years ### "Great A/P Platform" May 5, 2026 4.0 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 Ryan P. Lead Designer Used the software for: Less than 1 year ### "Time saver and easy to implement." March 9, 2026 5.0 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 Amir N. Controller Used the software for: Less than 1 year ### "Plooto Review" December 19, 2025 4.0 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 R Reviewer Marketing Asssitant Used the software for: 1-3 years ### "Entreflow Consulting Group's use of Plooto" April 22, 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 R Reviewer pres Used the software for: 3-5 years ### "Feb 2025 review" March 3, 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 Review Source bridgette K. owner Used the software for: Less than 1 year ### "Good software but needs improving" October 7, 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 R Reviewer Controller Used the software for: 3-5 years ### "I'd recommend it" June 4, 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. Review Source R Reviewer Principal Used the software for: 3-5 years ### "Our EFT provider of choice" December 15, 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. Review Source R Reviewer Executive Director Used the software for: 1-3 years ### "Contact integration between Xero and Plooto is currently ineffective" December 4, 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. Review Source NL Noah L. Senior Financial Analyst Used the software for: Less than 1 year ### "Time Saver" September 6, 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. Review Source R Reviewer Owner Used the software for: 1-3 years ### "It's Okay" December 15, 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. Review Source Varun S. Partner Used the software for: 3-5 years ### "Fantastic option for an accounting firm!" December 18, 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. Review Source VR Verified Reviewer Admin Coordinator Used the software for: Less than 1 year ### "User friendly but wished that Accounts receivable had more options" December 24, 2020 5.0 The problem that arises is that we as a small organization end up paying for two software because some of our vendors pay by credit card so we are spending more money on Plooto. Pros Multiple options for accounts payable which makes it easy set approval tier and to transfer funds Cons I highly recommend that Plooto starts accepting payments via credit card or email AR. While this is an option for AP it should be implemented for AR too. Secondly as a 4 member organization we wished there was a non-profit pricing range. Review Source Jaykumar J. System Engineer Used the software for: Less than 1 year ### "Low cost solution for accounting automation" January 16, 2025 5.0 Easy to use for beginner to professional accounting firm as well as independent users with low-cost solution with various high functionality Pros Automation in accounting and cost effective Cons Not a mobile app and integration facility Review Source R Reviewer Business Operations and Support Manager Used the software for: 3-5 years ### "Provide feedback regarding my experience with Plooto as an administrator" July 18, 2023 4.0 As a user who greatly values the convenience and simplicity that Plooto offers, I wanted to provide this feedback so that you may consider optimizing the system's efficiency in transmitting payments. This, I believe, will not only improve the satisfaction levels of account holders like myself but also help solidify Plooto's reputation as a reliable and efficient platform for rental payment management. Pros I want to express my appreciation for the user-friendly interface of the platform. Both as a lessee and as a landlord, we find the system easy to navigate, and it greatly simplified the process of managing rental payments. The straightforward design and clear instructions made it simple for me to set up and use the platform effectively. Cons However, I would like to bring to your attention a small concern regarding the speed of remitting payments to the account holder. While Plooto has proven to be efficient in terms of the overall process, I have noticed that there is room for improvement in this particular aspect. On a few occasions, there has been a slight delay in receiving payments in our account. While this delay has not caused any significant inconvenience, I believe that enhancing the speed of payment remittance would further enhance the overall user experience.Hope you can also provide a shareable tutorial as well that can easily be accessed by contacts on how they can set up their personal profiles/accounts, similar to what you provide to enterprises like ours. Review Source Ali E. IT & Operations Used the software for: 3-5 years ### "Great overall payment processing tool" March 3, 2022 5.0 Pros Plooto is very easy and intuitive to use. The integration with Xero and reoccurring PAD setups are great time saving features. In my experience the customer support is top class. My concerns are addressed the same day. The value provided by Plooto is unmatched in my experience. Cons Notifications! I do understand and appreciate the dedication Plooto has to security but being an accounting firm which means dealing with many companies the notifications can fill up the inbox pretty quickly. Unfortunately, there isn't a way to remove these for security reasons. My suggestion to Plooto is perhaps enforce user notifications for 2 accounts and allow deactivate the notifications for other users. This would save tremendous amount of time for accounting/finance firms that deal with multiples client accounts. Review Source R Reviewer Admin Used the software for: 1-3 years ### "Payment Processing" April 8, 2024 5.0 It is good simple easy to learn and process payemnts Pros It is simple and easy to use and handle and use Cons There is no back up of payments and find receipts Review Source R Reviewer Vice President Used the software for: 3-5 years ### "SP North America Feedback" April 29, 2022 5.0 Pros Its easy to use and by passes the limitations via the big 5 banks. Cons It would be great if we could implement this software via e-commerce with plugins. Finally, the credit card feature with an actual refund option. Review Source R Reviewer Administrator Used the software for: 1-3 years ### "Fast & easy to use!" August 9, 2023 5.0 I love this product. The chat help is fast and efficient. I no longer need to drive all over town getting multiple signatures on cheques. I can issue payments within seconds. Pros Plooto was easy to set up and begin using. The platform is very simple and saves time! Cons I can't say there is anything I don't like about Plooto. Review Source VR Verified Reviewer General Manager Used the software for: 1-3 years ### "Plooto is an excellent product" March 2, 2022 5.0 convenience of authorizing payments remotely Pros Integrates well with QB online. Easy to use. Convenient. Efficient. Time saver. Cons there is no payroll integration which slows down the payment and reconciliation process considerably. Please add this feature to QB online Review Source VR Verified Reviewer Founder Used the software for: 1-3 years ### "Plooto is a simple AP and AR tool that also makes it easy to pay across borders." March 23, 2018 4.0 I mostly used it for AR purposes across the U.S. and Canadian border. Pros It's simple, and that point needs to be kept in mind. The interface is intuitive and it syncs with popular accounting programs like QuickBooks Online. The best part of the program (in my opinion) is the AR function that allows you to set up a recurring ACH payment from clients for a flat fee. Depending on the size of your invoice this could save you some money in credit card or bank processing fees. Also, you can do ACH payment from a U.S. bank and deposit the funds in a Canadian bank account. It is a pretty cool feature that puts them above Bill.com. It also doesn't carry the monthly fee of Bill.com. Cons It takes way too long to send money across borders. My experience is with the Canadian/U.S. border. It took nearly two weeks from the time that the client authorized the payment until it was deposited in my account. Also, if you are using Plooto for a foreign currency exchange service much better rates can be found elsewhere. If you are using Plooto instead of Bill.com and need all of the permissions or invoice scanning functionality, don't expect it. However, if you want a simple AP and AR tool with an added bonus of being able to make and receive payments across borders, and you aren't time crunched to make or receive a payment, then Plooto is a great inexpensive option. Review Source Similar Products Featured ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.