# Page 4 | Plooto Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 4 - 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 4 - Reviews of Plooto ## Showing most helpful reviews Showing 76-100 of 241 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use SG Sandy G. Manager/bookkeeper Accounting Used the software for: 1-2 years ### "My Review of Plooto" February 12, 2020 4.0 I am excited that it provides a secure way to establish multi approval payments. As a contract bookkeeper with many clients, I consider this to be an important issue. Pros I like that the software allows for the bookkeeper to set up all the vendor payments so all the client has to do is approve. I also like how user friendly it is for vendors who are getting paid for the first time. When I contact a vendor and tell them they have to create a login/membership for yet another software I can get some push back. But the vendors find it very easy to use and that makes my job easier and more efficient. I like how it allows for ach payments without having to ask vendors to email me their sensitive financial information. They receive a link and can enter it themselves. Cons I don't like how long it takes when a customer wants to pay my clients with a credit card. I think it took more than 2 months to process into the bank so I've stopped using that function all together. Reason for choosing Plooto The price is decent and it allows for multi levels of approving Review Source LH Lesley H. bookkeeper Accounting Used the software for: 2+ years ### "Plooto review" December 14, 2020 4.0 Negative: trying to send a home currency to an international bank. If a bill is provided in home currency the funds must be converted and amount entered manually. Pros Easy to use. Syncs with QBO nicely and easy to reconcile Cons 1 international payment used to be included in the $25. If you never used it it was an extra cost. But now I noticed it is an extra 9.99 if it is used and still only 10 regular transactions per month for the same $25 Review Source JV Jean V. Senior bookkeeper Accounting Used the software for: Less than 6 months ### "issues with cheques issued by Plooto and tracking and updating the status of cheque deposit" March 3, 2022 3.0 It is a great software but there are a lot of areas that need to be improved Pros It is a great way to receive approvals for payments and making payments Cons first, I have had so many issues with cheques. Some of the cheques were deposited and cashed but still showing as undeposited in Plooto. Some cheques were never received by banks but there were no ways to track down where the cheques were. When I called Plooto supporting team, all I heard was Plooto teams could not track the cheques and there were nothing could be done to help me. Second, It is difficult to find information on completed transactions. I wish there were search functions that would be more specific for reporting purposes. If you could add functions that will help us to create a report in excel, that would be very helpful. Review Source CM Chris M. President Wholesale Used the software for: 1-2 years ### "Honest" December 15, 2020 3.0 Was over all good except for the issues one the setup was a little cumbersome and the length of time to receive payment was way too long Pros The collection of data was seamless and the prompting and follow up on invoices was a good option Cons The length of time to process payment .This is excessively longer than other applications Alternatives considered [Wave](https://www.capterra.com/p/178021/Wave-Apps/) Reason for choosing Plooto The platform seems to offer some nice options Switched from [PayPal Commerce Platform](https://www.capterra.com/p/179252/PayPal-Checkout/) Payment times were way longer than paypal Review Source MR Michelle R. Fund Administrator Fund-Raising Used the software for: 6-12 months ### "A great timesaver (no more running around town for director signatures)" December 9, 2020 5.0 As a small charity, when COVID-19 hit and social distancing measures were put in place, getting signatures on cheques from off-site directors was a problem. Then the office closed down and I no longer had access to the one director in the office. Another director had used Plooto with another organisation she was involved with and recommended it. We found it relatively easy to setup and get started with. Because our income is all by donation we don't use the accounts receivable option. Pros Being able to set authorization levels and have dual signatures required was essential for us. As a charity it is important to have oversight by more than one director. Writing then chasing down signatures when issuing 60+ grant cheques at once was time consuming. It's much faster (and easier) to simply setup the payments as approvals come in then let the directors authorize at a time convenient to them. Cons We linked it to our accounting software and it would be nice if a transaction number was input into the accounting software in case we need to track between the two systems. Review Source SL Simon L. Controller Financial Services Used the software for: 2+ years ### "Plooto and Le Chiffre Partnership" December 14, 2020 5.0 We like Plooto, we highly recommended to our clients. Pros User Friendly, we love that our clients can pay us directly from our Xero invoice. We also like the etransfer feature. Cons Sometimes the customer service is slow and the answers are vague Reason for choosing Plooto No reason, we started with Plooto, liked the evolution of the product. Review Source NS Nate S. Controller Consumer Goods Used the software for: 1-2 years ### "Simple to use" December 17, 2020 4.0 Very inexpensive and easy to use once everything is setup corrrectly. Pros Integration with QB was fairly simple. Two person authorization of A/P payments is huge. We only use it for the A/P side of things. Cons Easier way to add vendors' banking information. This was tedious in the beginning. Alternatives considered [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) Reason for choosing Plooto cost. Review Source NP Norris P. Vice President Management Consulting Used the software for: 1-2 years ### "Efficient process but too long for trans to complete. Plooto 5 bus. days...competitior 24-48 hrs" December 21, 2020 3.0 We use it for 2 of the 5 companies in our group. A third was abandoned because the \[SENSITIVE CONTENT HIDDEN\] became frustrated with the setup process and subsequent delay in processing payments, especially for USD. A fourth ( a financial services division) is on hold because the insurance bond has excluded the use of Plooto. Pros Yes. comparatively user friendly. Large fields and navigation. Cons The payment confirmation has a code with the big green checkmark but no detail. Needs to have at least payee or amount to cross reference so that can be used in place of, say, a cheque stub. The follow-up alternative is to wait for the deposit confirmation days later or reprint the payment report detail month which doubles the effort. Reason for choosing Plooto Previous use with a client. Review Source JB Jennifer B. Business Coach Accounting Used the software for: 2+ years ### "My reliable assistant" December 10, 2020 5.0 I have found the software to be reliable and easy to use. But more importantly, I have found the support team to be responsive and genuinely interested in solving problems. Pros Plooto is my AR/AP support system. It does the work as expected, when expected and in my business, reliability is a top quality. I couldn't imagine running my business without Plooto on my team. Cons I have requested the platform be modified to be more accessible so that my sight impaired customers can benefit from the value Plooto can offer. Switched from [TelPay for Business](https://www.capterra.com/p/106811/TelPay-for-Business/) I was looking for a cloud-based product. Review Source SE Sherry E. Owner Accounting Used the software for: 1-2 years ### "Plooto Works Great" December 17, 2020 5.0 Good customer service and very functional software. Pros Plooto has the functionality and the security that I need for my clients. It works well and require little time for my clients to approve. Cons I wish they went back to the per payment pricing they had before. It worked better for my client who pays maybe 5 one month and then 50 the next. Alternatives considered [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) Reason for choosing Plooto Pricing in the beginning. Review Source fR faizan R. CEO Accounting Used the software for: 1-2 years ### "Solid Product " December 8, 2020 3.0 Great! Pros Easy of set up and amount of audit trail it keeps Cons 1) Ease of use 2) Auto Reconciliation 3) Multilicurrency Review Source Isaac S. Implementation Specialist Accounting Used the software for: 6-12 months ### "Game changer" December 8, 2020 5.0 I am terribly pleased and my clients are very happy with this product. Pros Plooto has made it very easy and simple to help my clients organize their A/P. As my clients process dozens of transfers on a weekly basis in the context of how and when they get paid, Plooto has streamlined the approval process. Cons From a invoice collecting standpoint, A/R could be improved if Plooto could process credit card payments here in Canada. Review Source JA Jay A. Controller Entertainment Used the software for: 1-2 years ### "From my experiences" December 8, 2020 5.0 Generally good but customer service really needs work. I had a failed transfer attempt and it took well over a month and multiple emails to get my money put back in my account. Pros It's really easy to use and save me a ton of headaches. No messing around with wires. Payments go direct to accounts so little delay. Cons The account balances should be on the landing page. The first thing I want to know is how much is there Interesting that you ask about financial reporting and reconciliation. It is terrible. Really hard to reconcile the accounts. You should have something more like a bank statement. The info that can be downloaded is really convaluted. Really frustrating. I have recommended Plooto quite a few times but I always say "be warned, the reconciliation process is basically non-existent" Review Source TR Tim R. Owner Food & Beverages Used the software for: 6-12 months ### "Lancaster review " December 8, 2020 3.0 Overall it’s a game changer and love it. Looking forward to future updates and a continued and improved seamless workflow with qbo. Pros The two way integration with QuickBooks online works really well and really simplifies my ap process. Cons Would love a tighter integration with QuickBooks online. Supplier credits aren’t accounted for in plooto. Ideally it would be amazing if I could pay bills in QuickBooks the same as if I was writing checks. And have that data pushed to plooto. I have had many suppliers fill Out the contact and direct payment info but have it not do anything on the plooto side. In all cases we did it manually. Lastly I have several vendors that pay by eft payments or credit cards from their sides. It would be great to hide those suppliers so they don’t show up jn outstanding invoices. Have had some confusion with double payments. Review Source EO Ennio O. President Accounting Used the software for: 2+ years ### "Essential software for any business" December 17, 2020 5.0 The fees I pay to receive payments from clients have been drastically reduced since switching to Payment Evolution. The PAD feature has improved my cash flow. Pros The software is very easy and intuitive to use. No training is necessary. The software links to QBO so there is no need to re-enter invoice details and when the client approves the payment, my A\\R is automatically updated. This software is "Payment Processing for Dummies". Cons I did not find any negative features yet. Switched from [Square Virtual Terminal](https://www.capterra.com/p/190305/Square-Payments-Processing/) Too expensive, not easy to use, no linking with QBO Review Source VR Verified Reviewer CFO Entertainment Used the software for: Less than 6 months ### "You get what you pay for- If you're a serious business, don't bother" May 10, 2018 1.0 Pros Cost Efficient Ok- at least support responded if anyone was actually available. Cons Absolute disaster if you need funds transferred in any reliable or consistent time frame. The bigger the amount, the longer the wait took for a wire transfer to push through. I imagine it's because funds were being hoarded to capitalize in gains or wherever it was being held (6 figures sums took multiple weeks at points). Terrible breaking between Quickbooks and Xero for existing customers. Failed multiple time on cash transfers, racked up charges. If you're using it for personal use, I guess it's better than other means- I would just Venmo in that case honestly. If it's for serious business- DO NOT use. Especially if you do any kind of wiring of large funds in the six figure and up range. You will regret it, payments will be late, and you will rack up charges on returned payments and kill cash liquidity on the long waiting periods. Product not yet ready for mainstream business use in my opinion. Review Source Helina P. CFO, Management Consultant Management Consulting Used the software for: 1-2 years ### "Awesome AP/AR app that saves time and money." May 12, 2018 5.0 Cash in my bank faster. Cheaper bill payments. Pros Plooto saves me and my clients so much time is chasing invoice payments and mailing cheques for bill payments. The integrations with accounting softwares make it easy to manage vendor payments and mark them as paid. The pre-authorised debits make it easy to collect recurring invoice payments. Cons I'd like to see the time gap from invoice payment to cash in my bank and bill payment to cash in my vendor's bank shortened. Review Source ST Sherry T. Counsellor Health, Wellness and Fitness Used the software for: 2+ years ### "Awesome" December 21, 2020 5.0 It is easy to use, we are able to send any sized payment with no problems. We have even sent American funds and it was easy to use and we were charged a minimal surcharge for the convenience. Much easier than a money order Pros We did not want to utilize cheques to pay our employees. The bank we deal with would not provide us with any other options. We found Plooto and began utilizing it. Cons I know there are features we do not use. The thing I like least is the amount of time it takes to load the Plooto account with funds. Reason for choosing Plooto Truthfully I have no idea what other products are out there. When we found Plooto, we stopped searching alternatives. Review Source LJ Lisa J. owner Financial Services Used the software for: 1-2 years ### "Great Company but actual conversions would be nice!" December 17, 2020 4.0 Besides what I described above with receivables everything else is fine. Wish they did not keep people on a monthly fee. We use to pay by the transaction. I always liked that better. Pros The fact that i can just send money in the click if a button! Cons The fact that when we are requesting a payment we cannot request it in the country $$$ like payments. For instance, I am in the usa. If I request 600 Canadian dollars from a customer in Canada I have to put in in USA dollars which leaves me to figure out the conversions and then by the time plooto pulls it almost a wekk later the conversions change so we are pulling more or less than we are suppose to. Nobody is going to agree on a different countries dollar amount and wait to see how much gets pulled depending on the conversion rate for that day. It should be $600 Candian regardless of what the conversions are. You do this on payables but not receivables which is aggravating. Reason for choosing Plooto it was easy to use Review Source KM Ken M. VP Finance Used the software for: Less than 6 months ### "Loved the product until last week when we lost 30K because of PLooto system bug! " March 1, 2018 1.0 Pros 1-Easy to use 2- Dashboards are great 3- Cost is on point 4- Set up was easy Overall has such potential to be a leader in this space, however, read cons! Cons 1-Security 2- Customer services/Success 3- Accountability when errors are made- Last week you guys seemed to have a system bug the resulted in your system double paying involves totalling 30K. This is a huge red flag for us on the controls and security of your platform. When we contacted you guys we were given no explanation and no solution. Just told to ask vendors for credit notes and this is just not a solution.. I need solutions and explanations fast or we will be removing our selves from your platform, won't roll out other companies and will certainly be adding the review on your product. This means we are currently out 30K and not to mention all the additional time this has take for my staff to investigate. The more troubling part is that we found this and this was not detected by Plooto. This is too bad as i feel your platform had lots of potential but when in comes to payments, security is the number one concern. Customer services would also be a good addition! Review Source DB Diane B. Admin Leisure, Travel & Tourism Used the software for: 2+ years ### "Plooto Experience" December 14, 2020 5.0 Pros Product is very easy to use; tech support is quick and easy to access; integration with QuickBooks is simple. Cons I would like to see a separate section for reports. Reason for choosing Plooto Canadian Review Source SO Shirley O. Accounting Supervisor Transportation/Trucking/Railroad Used the software for: 2+ years ### "Plooto Review" February 13, 2020 4.0 Pros Easy to use and train new staff, reasonably priced. Cons Unable to search by vendor to set up payments Unable to sort by vendor, then by invoice number or due date Unable to set preferences such as view 100 per page USD import of paid bills does not populate currency rate, imports at 1.00 Review Source SS Serena S. Manager of HR & Administration Automotive Used the software for: 1-2 years ### "5 Star" March 13, 2023 5.0 so far so good Pros Easy to make payments, and go back to view payments etc. Just started trying out the invoicing side and so far I love it. Customer Service 9the time I've needed it) was fantastic. Cons so far nothing, for what I use it it works great. Review Source LF Lesa F. Office Manager Legal Services Used the software for: 2+ years ### "Plooto Review from BLAC" March 1, 2022 5.0 Plooto is used to pay about 80% of our accounts payable and 100% of our accounts receivable. The check points that we have in place through Plooto is perfect for keeping inline with our financial policy and practice. Pros The ability to track payments and create reports is a bonus. Cons There are some features that are not as intuitive as I'd like, but with video and article support I can eventually figure it out. Reason for choosing Plooto Plooto was recommended for ease of use and cost Review Source DA Daniel A. Consultant Accounting Used the software for: 1-2 years ### "Great app to automate your AP and AR processes" December 9, 2020 4.0 Great option to consider, provided that you can live with the restrictions I mentioned Pros It is cloud based Availability of AR function Ease of set up and use Sync with QBO and Xero Custom approval tiers possible Ability for recipients to easily receive funds Cons It takes 3 business days for a payable to be completed (unless you use their "Plooto Instant") - that is longer than how long it takes some other AP companies in Canada Quirkiness with future-dated payables - if you have a scheduled payable that is to be funded via Plooto Instant at a later date, the payable amount reduces your current Plooto Instant funds Reason for choosing Plooto AR function Review Source Similar Products Featured