--- title: "Plooto Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Plooto the right Professional Services Automation 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" --- 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 August 5th, 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 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 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 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 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. “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 245 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](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 VR Verified Reviewer Admin Coordinator Non-Profit Organization Management Used the software for: Less than 6 months ### "User friendly but wished that Accounts receivable had more options" December 23, 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. Alternatives considered [Sumac](https://www.capterra.com/p/144095/Sumac/)[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Plooto It is extremely user friendly, features for approval and fast. Review Source JJ Jaykumar J. System Engineer Computer Software Used the software for: Less than 6 months ### "Low cost solution for accounting automation" January 15, 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 DM Daianne M. Business Operations and Support Manager Real Estate Used the software for: 2+ years ### "Provide feedback regarding my experience with Plooto as an administrator" July 17, 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. Reason for choosing Plooto It offers Canadian Currency 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 VR Verified Reviewer Founder Management Consulting Used the software for: 1-2 years ### "Plooto is a simple AP and AR tool that also makes it easy to pay across borders." March 20, 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 GP Genna P. Director of Finance Education Management Used the software for: 2+ years ### "Value for your money" March 2, 2022 5.0 I cannot complain! I like it! Pros We enjoy the low cost associated with Plooto. As a private preschool we have a lot of transactions per month, fees matter to us. Using Plooto is easy to use and gives us peace of mind we aren’t spending a fortune. Cons I can’t say I have enough experience with all its features to list any cons at this point. Review Source RB Ruth B. Bookkeeping Client Manager Accounting Used the software for: 6-12 months ### "We love it!" December 8, 2020 5.0 We are solving time consuming processes involving multiple emails for approvals and multiple logins to the bank to finalize transfers. We are simpifying the process and saving time on entries. Coupled with QBO and Receipt Bank it's a dream team. Pros I like how easy it is to add my clients for their approvals. I also like how we were able to circumvent the fob usage that was necessary before making managing AP for our clients very time consuming. Cons Mostly that I haven't had time to explore the other options as work loads haven't allowed for it. I want to learn more and need to set aside some time. Review Source VR Verified Reviewer Owner Financial Services Used the software for: 1-2 years ### "Wow... awesome payment service" November 27, 2018 4.0 Pros Absolutely love the way Plooto integrates with QuickBooks online. It pulls in the bills to be paid, and you review and send them out... and it allows for multiple signers to approve the payments. Cons The issue I like least is that they don't offer a cheque... there are a few.. less than 1% of our bills, that we need a cheque for. I so dislike manual cheques, chasing signers... I need Plooto to send out a cheque on our behalf occassionally. Review Source AP Ariel P. Owner Accounting Used the software for: 2+ years ### "Pricing model needs to go back to what it was" February 12, 2020 3.0 Pros Easy to use, great concept, would recommend it if pricing made sense. Cons \- Used to be very competitively priced, with the subscription model it is very hard to justify this expense to clients, especially since the use base is mostly small forward thinking companies who have very little vendor payments to make in the first place. - Very limited customizability when a lot of customization could be offered at the basic level. - It's never a good business practice to force people to use your product for lack of alternatives. Due to the horrible pricing model change, if there was an alternative, I would be using it. Reason for choosing Plooto None, I am not aware of any alternatives. Review Source KF Kit F. Onboarding Specialist Accounting Used the software for: 2+ years ### "Plooto Review" December 8, 2020 3.0 I didn't enjoy the customer service. Communication between emails felt like a robot talking to me. The chat function is a robot. Phone# is just a voice message, not useful. There are glitches within the program even with the settings. A lot of room for improvement. Pros integration with other apps, pay bills.. Cons receiving payment, processing time is too long Settings has many problems Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Review Source GS Geoffrey S. President Electrical/Electronic Manufacturing Used the software for: 2+ years ### "Simplifying electronic funds" December 14, 2020 4.0 useful to use but the cost became an issue for low eft companies. Worst feature change was from transaction cost to minimum monthly fee. Pros Once the vendors are set up, making payments scheduled for the future in a a variety of currencies is easy. Cons The pdf of the transaction lacks some details - including unique number and date for payment as oppose to date of set up of payment. Worst feature change was from transaction cost to minimum monthly fee. Reason for choosing Plooto Canadian, and at the time, only transaction fees Review Source SS Stacy S. Owner/Bookkeeper Accounting Used the software for: 1-2 years ### "Time Saver" December 22, 2020 4.0 It's been great. Chat line has been helpful and overall the learning curve has been gentle. Pros Plooto has been a great pain point solver. For some clients it about receiving money from their customers and Plooto has a solution. For others it was that the appropriate people were never in the same room to be able to review and sign cheques, Plooto has a solution for that as well. Cons I really appreciate the bank rules and the security around transferring money, it can be a pain sometimes to have to wait 5 days for money to move from one bank to the other, however, I am secure in the process and like being informed along the way. 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.