# Page 2 | Plooto Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 2 - Is Plooto the right Accounting solution for you? Explore 241 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 (241) [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 March 13th, 2026 # Page 2 - Reviews of Plooto ## Showing most helpful reviews Showing 26-50 of 241 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use SF Sarah F. Office Manager Construction Used the software for: 2+ years ### "Great software for processing payments." July 16, 2025 3.0 So far we are content with the payables portion. Soon we will be exploring the receivables side of the software. Pros I like how this software can sync with Quickbooks Enterprise. I can fine open invoices and you can pay directly through Plooto. It then syncs the bill in Quickbooks and marks it as paid Cons Overall i really like Plooto, but this year they had made an update which made adding new contacts more manual. Previously you could see all bills, even ones that weren't set up in Plooto. You could easily select the + to easily add the contact and set up direct deposit. Now this + is not available and evety new contact needs to be manually inputted. The problem with this is, if it is not 100% identical to your CRM (in our case quickbooks) it will not sync. Then when the bill is paid through Plooto it will not show as paid in your CRM. Which could lead to a 2nd payment. Review Source RP Ryan P. Lead Designer Design Used the software for: Less than 6 months ### "Time saver and easy to implement." March 8, 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 AN Amir N. Controller Education Management Used the software for: 6-12 months ### "Plooto Review" December 17, 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 HL Hunter L. Owner Construction Used the software for: 1-2 years ### "Ease of use" March 31, 2025 5.0 Very happy. Easy to export and schedule payment from quickbooks. Pros Ease of use for its purpose. Im able to set up and schedule payments and approve them. Cons Its inability to alter descriptions that comes across after integrated transfers. Review Source DS Desmond S. Administration Construction Used the software for: 1-2 years ### "Lackluster support" July 8, 2025 2.0 Medium. When it works it works. When I need help, I'm on my own. For an offering as core to business as vendor payments are, support must be available when needed, and this has not been my experience with Plooto. There are other options out there offering better support. Pros Reasonably easy to set up, and payments are reliable. Accounting integrations, when they work, allow a reasonably smooth workflow. Cons Support is terrible when needed most and either offers unhelpful solutions or ignores messages. Their accounting integration needs work to ensure consistent results. Review Source AM Alexandra M. Operations Manager Chemicals Used the software for: 2+ years ### "I recommend it to clients!" March 5, 2025 4.0 Pros I love how easy it is to make payments, including payroll taxes. Plooto also seamlessly integrates with all our other financial systems. Cons Payment delays (5 business days), payroll taxes have a limit of $20,000 per transaction. 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 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 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 CH Colette H. Piano Teacher Owner Director Music Used the software for: 2+ years ### "Best Pre-Authorized Billing Software" June 12, 2024 5.0 We have used Plooto for many years and don't see a change coming up in our future! Pros Ease of use with setting up payments for clients with the pre-authorized system. Great filters to search through past payment history. Cons Cannot do credit card refunds without going through customer service. Tedious, but not a big deal. 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 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 Maddie T. System Administrator Information Technology and Services Used the software for: 1-2 years ### "Plooto is an easy-to-use, handy program that simplifies the process" May 27, 2022 4.0 Accounts payable include a variety of options that make it simple to designate an approval tier and transfer payments. Checks that have been deposited in the previous few months have not shown in the system, however the support staff is working to correct this. Other than this, Plooto has a number of features that make processing AP more efficient. Pros Sending payments in practically any quantity to suppliers with Plooto is one of its finest features. Approval control, user-friendliness, and affordability are all things we like. It integrates with QBO and makes it simple to reconcile and set up payments automatically. Recurring payments and deposits may be set up quickly and effortlessly. Cons The inclusion of cheque numbers in a report would be quite helpful in keeping track of payments. As an alternative, it would be good if the user could pick from a list of pre-existing merchants. Switched from [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) Because of Plooto, signers have been able to ensure that all employees have been paid on time. Plooto is more secure and efficient for me as a result of my concerns about security. Plooto is an easy-to-use and handy application. Because I was able to connect to QuickBooks, the procedure went much more smoothly. 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 CW Chad W. CAO Recreational Facilities and Services Used the software for: 6-12 months ### "Plooto cuts down our carbon footprint" November 8, 2023 4.0 Plooto has provided a good venue for transactions to be completed in a timely and effective way. There is excellent ability to track transactions through the whole process. This allows any issues to be clearly resolved. Pros The approval process embedded in Plooto allows us to bridge physical distances between approvers with digital access. Reduces the need to travel to acquire approvals and improves security by reducing potential loss exposures. Cons The functional environment takes some getting used to. Can still get to the end of a transaction and not have a readily apparent way to initiate another sequence. Has taken some time to understand how all of the information going into the system is presented to the vendors, to ensure there is clarity in the transaction. 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 VR Vickey R. Owner Accounting Used the software for: Less than 6 months ### "Great Value and Dependable" July 13, 2023 5.0 Like I said...I am saving over $100 per month in processing fees since I switched to Plooto and once I got past the "set up" stage. I really love Plooto and am wishing I had set it up years ago, but I think they should let us that have "official" PAD agreements ...set up the reoccurring payments like QB Payments did =( Making that reoccurring payment set up...a lot more simpler would make Plooto just about perfect =) Pros I LOVE the lower processing fees!!! I'm saving over a $100 a month by using Plooto. Once it is set up, the reoccurring payments is awesome. Their customer service was good too. Overall Plooto is an awesome addition to my business and one that I wish I had implemented YEARS ago! Great value for the monthly fee and so far...it has been very dependable in collecting my accounts receivable. Cons It was a lot harder to set up than I thought it would be =( My clients had to jump thru a lot of hoops to get the reoccurring payments set up and some were not happy about it =( I had PAD agreements for all of my clients, but Plooto does not accept those. So I have several clients that I cannot process their payments in Plooto even tho I have a PAD agreement with them and they have already given me their payment information ...but they haven't repeated the same process in Plooto ...so my PAD agreements are worthless now=( Reason for choosing Plooto Best processing fee 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 Keri H. Owner/Operater Warehousing Used the software for: 1-2 years ### "Plooto as 3rd Party ACH Provider" December 17, 2020 5.0 My overall experience has been great. Customer service is timely and helpful. This software has saved me countless hours of which I don't have to spare! Pros The integration with Quickbooks Online is simple and makes my A/R seamless. I love that my clients set up an ACH agreement one time and moving forward I request and process my A/R with a click of a button. I can also select which account I want the deposit to go to. Data is easy to download for reconciliation purposes as well. Cons I would like to see a default bank account option so I don't have to select a bank account for each transaction. I would also love for the deposit times to improve. Review Source CE Chris E. Lead Client Advisor Accounting Used the software for: 1-2 years ### "Plooto Review" December 17, 2020 4.0 The accounts payable functionality and clear audit trail have been fantastic. It is a useful software for our firm and our clients have definitely benefited from the implementation. I definitely recommend Plooto to anyone that would benefit from it. I think there are some flaws with the software regarding international wire transfers as well as with the tier set up that need to be sorted out. We have had to manage some issues with clients as a result of these flaws. Overall, I have been extremely satisfied with the software/cost and I am confident that it will continue to improve. Pros Integration was smooth and easy to use. It has saved time, organized files with a clear audit trail, eliminated a number of potential mistakes which can happen through manual entries. Cons Approval tier set up is very poor. Having a global tier and specific bank tier are great, but there should be clearer instructions that setting up a tier on a specific bank will supersede and eliminate a global tier. When the amounts on the tiers are completely different one should not impact the other. Eg - Bank tier - 0-1,000 requires X approvers and Global Tier 1,000.01 - unlimited requires Z approvers. The global tier should not be ignored since the amounts are completely different. 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 SS Shrijana S. Accounting Manager Museums and Institutions Used the software for: 2+ years ### "Excellent Service" April 2, 2024 5.0 Pros Synchronization with QBO which is worried free for reconciliation. Cons I love the Plooto service and don't have any suggestion for now. 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 Similar Products Featured