# Plooto Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Plooto the right Accounting solution for you? Explore 242 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 (242) [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 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 AN Amir N ControllerEducation Management, 51 - 200 employeesUsed the software for: 6-12 months. “Intimation to the vendors, through email about the payment details is a great feature.“ December 17, 2025 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 SM Sam M presWholesale, 2 - 10 employeesUsed the software for: More than 2 years. “makes paying bills a breeze, would be nice if Plooto could show the bill payment batches in the Completed Payments instead of just individually“ February 28, 2025 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 AN Amir N ControllerEducation Management, 51 - 200 employeesUsed the software for: 6-12 months. “Plooto integration with the QuickBooks online is easy to use & navigate.“ December 17, 2025 BK Bridgette K ownerRetail, 2 - 10 employeesUsed the software for: 6-12 months. “I attempted to reach out to customer support, but did not receive a response.“ October 3, 2025 ## Showing most helpful reviews Showing 1-25 of 242 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 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 AE Abraham E. a Accounting Used the software for: 1-2 years ### "Bad and too espensive" June 5, 2025 2.0 Supposedly integrated with QBO but doesnt work well. link breaks many times and is only ok when "full" invoices paid. If you use Plooto CC services then good luck tryign to reconcile Pros automatic debit and recurring transactions . Cons Too expensive, broken integration with QBO and hard to reconcile with no proper statement of account. 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 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 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 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 SW Scott W. Executive Director Non-Profit Organization Management Used the software for: 1-2 years ### "Great financial software for small and mid-sized organizations" December 14, 2020 5.0 We use the software for payment of invoices including external vendors, staff reimbursements, and payroll. Works perfectly for us. Just a few clicks and there are adequate checks and balances features to ensure accountability and security. Pros As a small association, with few vendors and accounts payable/receivable, the software works very well for us. While I'm sure it can also be used for larger organizations and may have lots of advanced functions, the core user interface, notifications, integrations and other features are perfect for our smaller organizations. No unnecessary complications. Cons I suppose if anything, if you need to reverse a payment already in process it can be a bit of a challenge but have only experienced that once. Reason for choosing Plooto Again, no additional products explored. We opted for Plooto over Telpay mainly for cost savings and have been pleased with the product ever since. Switched from [TelPay for Business](https://www.capterra.com/p/106811/TelPay-for-Business/) Simplify user experience and reduce costs. We don't process enough payments to justify the Telpay monthly costs. Review Source BZ Beckett Z. Senior Accountant Transportation/Trucking/Railroad Used the software for: I used a free trial ### "Suggestions to Plooto" November 18, 2024 4.0 Overall, I am satsified with the Plooto, if the payment can be categorized into different kinds, it will be more valable Pros Stream the payment process, the approval is automatic, and send the Email to inform the process is excellent. Cons The payment cannot be categorized into the different kinds Review Source DC Daniela C. Bookkeeper Accounting Used the software for: 2+ years ### "Plooto review for business" May 22, 2024 5.0 It’s a great platform to use for my bookkeeping business helping my clients. It allows me to pay bills while still keeping my clients in the loop and feeling confident about their banking maintaining its security. Pros Easy to integrate to QBO and Xero. Up to date outstanding bills. Cons It can sometime be clunky to change payment methods or tracking down when bill payments did not go through properly. Review Source AE Ali E. IT & Operations Accounting Used the software for: 2+ years ### "Great overall payment processing tool" March 1, 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 JD Jennifer D. Admin Accounting Used the software for: 1-2 years ### "Payment Processing" April 1, 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 DC Dimitri C. Vice President Consumer Services Used the software for: 2+ years ### "SP North America Feedback" April 25, 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. Reason for choosing Plooto We wanted a local provider instead of offshore. Review Source KH Kelly H. Administrator Philanthropy Used the software for: 1-2 years ### "Fast & easy to use!" August 8, 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 Motion Pictures and Film Used the software for: 1-2 years ### "Plooto is an excellent product" March 1, 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 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 SL Sean L. Owner Photography Used the software for: 2+ years ### "Plooto Experience" December 17, 2020 4.0 It's a very streamlined and convenient way of tracking and paying our vendors Pros It's very useful that our Quickbooks Accounts Payable is synched with Plooto because it makes paying our vendors very easy. The way it aggregates multiple payments to a single vendor to reduce charges is also a nice feature Cons I preferred their previous model where you only paid when you made a transfer. However, we are now doing enough monthly transfers that the fixed cost is about the same Review Source LM Lynn M. Bookkeeper Accounting Used the software for: 2+ years ### "Review" December 8, 2020 4.0 Fairly good. I would recommend it. Pros The integration with QuickBooks Online is good - it is current and shows me bills have be paid that same day as the order goes in. I Cons Missing bill payments. Missing an integration to show that my recurring monthly Receivable payments are paid in QBO. Reason for choosing Plooto My experience with Plooto has been good. Like how they have both Payables and Receivables. Review Source MT Mary T. Bookkeeper Financial Services Used the software for: 2+ years ### "ease of use" December 8, 2020 5.0 Not having to write cheques and mail them out Inputing the invoices only once in our Accounting Software and then Plooto does the work Very time and cost effective and being in the Cloud, can work from anywhere! Pros the ease of syncing invoices from Xero to plooto Like that Plooto now issue cheque to our vendors that does not want to provide their banking info Cons Nothing comes to mind at this time based on our requirments Review Source MA Michele A. Office Administrator Civil Engineering Used the software for: 6-12 months ### "Plooto is easy to use!" February 15, 2022 5.0 The overall experience has been great. When I have reached out to support my issues have always been resolved, although it may take a day or 2 to get a reply. Improvment on the customer service would be nice. Pros I like how easy it is to set up clients and send payments. Especially international payables and receivables. The company \[SENSITIVE CONTENT\] likes how I can enter all the accounts payable and he can simply approve the payment. Saves him a considerable amount of time and work. Cons The payments take longer than the average EFT or wire. It may take up to a week for the money to be completely transferred. Review Source MB Marina B. Accountant Accounting Used the software for: 2+ years ### "Review" December 17, 2020 5.0 Pros I love everything. Especially CRA payments fro the source deductions and HST Cons N/A I like it all. everything is good in the software Review Source GK Greg K. CFO Oil & Energy Used the software for: 2+ years ### "Hook and Sinker" December 14, 2020 5.0 Customer service is non-existent. I was told that we could have the old pricing structure for the holding companies, never did it. Falling on death ears. Getting overcharged each month... Pros I like the integration with QBO, nice and easy. Cons We signed up for this software early on, just like QBO (7-8 years ago). QBO granfathered us in, Plooto just jacked up the prices with no alternatives. Very underhanded and not fair. When I have more time I will be looking at alternatives for just that one reason. 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