Plooto vs Spendesk

QuickBooks Online

Stripe

BILL Accounts Payable & Receivable

Qonto

Pleo

Mooncard

Compare Plooto and Spendesk based on features, pricing, verified reviews, integrations & more on GetApp. Find out which software is best for your business in 2026.

QuickBooks Online is an all-in-one online business software designed to help manage business finances. The platform is built to scale businesses, unlocking insights and providing the functionality of a larger team, all on one integrated platform.

BILL (NYSE: BILL) is a leader in financial automation software for small and midsize businesses. We are dedicated to automating the future of finance so businesses can flourish.

Stripe is a comprehensive financial infrastructure platform that enables businesses to accept payments online and in person. It offers a suite of APIs for payment processing, subscription management, fraud prevention, and financial services integration, supporting over one hundred payment methods across multiple currencies. Stripe provides both developer-focused tools with extensive documentation and no-code solutions for businesses without technical staff.

Ideal for SMBs, accountants, and bookkeepers, Plooto provides end-to-end payment automation, with easy workflows and integrated electronic payments, saving you and your business countless hours

Access Controls/Permissions

Accounting

Accounting Integration

Accounts Payable

Accounts Receivable

ACH Payment Processing

Activity Dashboard

Alerts/Notifications

Approval Process Control

Approval Workflow

Audit Trail

Bank Reconciliation

Billing & Invoicing

Billing Portal

Cash Flow Management

Check Writing

Client Portal

Collaboration Tools

Compliance Management

Contact Database

Credit Card Processing

Customer Statements

Customizable Branding

Data Import/Export

Data Security

Debit/Credit Card Processing

Deferred Billing

Digital Wallet Payments

Drag & Drop

Electronic Funds Transfer

Electronic Payments

Email Management

Email Reminders

ERP integration

Expense Tracking

File Sharing

Financial Reporting

For Small Businesses

Fraud Detection

General Ledger

Invoice History

Invoice Management

Invoice Processing

Mobile Access

Multi-Currency

Multi-Location

Multi-Period Recurring Billing

Multiple Payment Options

Online Invoicing

Online Payments

Payment Collection

Payment Fraud Prevention

Payment Links

Payment Processing

Payment Reconciliation

PCI Compliance

Process/Workflow Automation

Purchasing & Receiving

Real-Time Reporting

Receipt Management

Receivables Ledger

Recurring Invoicing

Recurring Payments

Recurring/Subscription Billing

Reporting & Statistics

Reporting/Analytics

Search/Filter

Self Service Portal

Status Tracking

Third-Party Integrations

Transaction History

Transaction Monitoring

User Management

Vendor Management

Workflow Management

Plooto

Linux

Web-based

Windows

Partner

The integration with QBO is fantastic. The ability to have send cheques as an option is also great when certain suppliers are still holding out on accepting EFTs.

Travel Advisor/Owner

I love the functionality of being able to process payroll to my team. The ease of that as opposed to sending checks is great.

Owner

I have had a great experience with Plooto, it is very easy to use and it is great you can set up bill approvals as this is a must with some clients.

Cloud Accounting Software Specialist

I appreciate the simplicity of paying the bills with minimal effort. It also encourages you to be sure your Accounting Software is clean.

Founder

It is very useful to facilitate cross border payments, the pre-loading for funds to accelerate payments is appreciated. The ability to automate regular payments and populate a transaction is high.

Plooto is easy to use, with great QBO integration. The customer service is excellent.

owner

It should be $600 Candian regardless of what the conversions are. You do this on payables but not receivables which is aggravating.

Approval process looks good. It provides payment world-wide with competitive rate.

Bookkeeping Client Manager

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.

Customer service has been a struggle for us. It is hard to get in touch with someone when we have questions or concerns.

President

I have been struggling to get the PAD setup for my customers and find it hard to not have access to telephone customer support.

But it's easy to use and nice to be able to pay vendors without the hassle of writing and mailing cheques. I also like that it integrates with QBO.

Awkward to pay in multiple currencies to same account.

President 

The ease of set and use and the quick response to quastion. The help menu is very easy to use.

Good, the software is very easy to use and for the most part you can find answers online.

Its super easy to send/request money. Funds transfer pretty quickly.

Manager of HR & Administration

Customer Service 9the time I've needed it was fantastic.

Bookkeeper

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.

Plooto screenshot: Plooto payments dashboard

Plooto screenshot: Plooto client management dashboard

Plooto screenshot: Plooto approval rule creation 

Plooto screenshot: Plooto payment audit trail

Plooto screenshot: Plooto OCR

Plooto screenshot: Plooto contact import and management 

Freelancers

Non Profit

Public Administrations

Small Business

Mooncard is a business expense management platform for organizations of all sizes that automates the entire process, from payment to accounting. Key features include OCR, expense management, and more.

Qonto is the leading European business finance solution with over 450,000 customers.
The company makes day-to-day banking easier for SMEs and freelancers by offering an online business account combined with finance tools, such as invoicing, bookkeeping, and spend management.

Pleo is a cloud-based expense management solution which provides virtual and plastic company cards, automatic expense categorization, receipt capture, and more

Spendesk is the smart way to manage your business spending. Flexible payments, approvals, expenses, invoices and accounting — all together for the first time.

Activity Tracking

Budget Control

Budgeting/Forecasting

Cash Management

Configurable Workflow

Corporate Card

Dashboard

Data Visualization

Document Storage

Duplicate Detection

Duplicate Payment Alert

Enrollments/Onboarding

Expense Claims

Financial Analysis

Financial Management

Forecasting

In-Person Payments

Mileage Tracking

Mobile Receipt Upload

Optical Character Recognition

Order Management

Prepaid Cards

Procurement Management

Purchase Order Management

Real-Time Analytics

Real-Time Data

Real-Time Notifications

Real-Time Updates

Reimbursement Management

Reminders

Requisition Management

Risk Management

Single Sign On

Spend Analysis

Spend Control

Spend Management

Subscription Management

Subscription Plan Management

Supplier Management

Time & Expense Tracking

Travel Management

Usage Tracking/Analytics

Spendesk

Android

iPad

iPhone

Head accountant subsidiaries 

Spendesk customer support is one of the best I have seen. Very friendly and available at any time to help you.

Chief Technology Officer

It is not very obvious how to have a card that can be charged multiple times, but only as a single overall process.

Customer Success Manager

Simplicity is the key to brilliance and Spendesk is very easy.

Demand manager 

The app is intuitive and with a nice design, I liked that I didn’t used my own money because the company card was added to the app.

RevOps Specialist

Very easy to use for uploading receipts, its smart receipt detection and role-based access system are excellent.

CTO & Machine Learning Solutions Architect

I like it because it allows me to better control the employees in my area and issue cards whenever they are required in the currency that they require.

Director Business Planning

The customer support level is the best I've ever seen, and they are constantly adding new features and improving the existing ones.

Spendesk should have been live 5 ago to avoid past problems.

Team Leader

It's extremely easy to use, no time to waste. Spendesk can help a company to increase its effectiveness.

Accounting Manager

A Great Spend Management Solution For Business.

Co-founder - COO

Spendesk is very easy to use and at an affordable price point. Since it is cloud-based, I can access it from any computer, at home or the office.

Plooto vs Spendesk Comparison (2026)

Plooto vs Spendesk Comparison (2026)

Plooto

Spendesk

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

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