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Plooto

The fastest way to manage your business payments

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Plooto Pricing

Pricing overview

Value for money rating

4.4

/5

218

Price starts from

25

Per month

Per Feature

Pricing options
Free plan
Subscription
Free trial

Pricing details

$25/month with 10 free domestic transactions
$0.5 per domestic transaction (after the first 10 free transactions)
$9.99 per international transaction
$1.99 per check payment

No setup fees. No integration fees. No hidden fees.

What users say

I love the ease of setup, the flexibility to be able to pay bills in a variety of ways without high cost or a complicated set-up wall.
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Daniel O.

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.

MT

Mary T.

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Reviewers who mentioned pricing said:

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

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Our EFT provider of choice

Reviewed 2 years ago

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.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend3/10

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It appears to have it all until you use it.

Reviewed 4 years ago

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...

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend7/10

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User friendly but wished that Accounts receivable had more options

Reviewed 2 years ago

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.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend9/10

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Integral Software for Accounting

Reviewed 2 years ago

My experience has been very good! Been very happy with product in the past few years that I have been using it for my clients.

Pros

I like the integration with QBO and that it makes it easy for me to process payments with the appropriate checks and balances of approvals. The software also helps in confirming whether the bank information being provided is valid or not. So easy to use!!!

Cons

The only Con that I could think of is that it becomes a bit expensive for those that have very little transactions monthly where the fixed monthly fee does not get fully utilized.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend5/10

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It's Okay

Reviewed 2 years ago

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.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

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Excellent software overall

Reviewed 2 years ago

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.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend8/10

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Great overall payment processing tool

Reviewed 4 months ago
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.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

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I saved hours of work and thousands of dollars using plooto

Reviewed 2 years ago

Overall I'm very happy with Plooto, will continue to use it and encourage other business to use it.

Pros

It's way cheaper than credit card fees and saves time over cashing cheques.

Cons

Some payment changes can take a little longer than I feel they should. I tried to cancel a payment that was to be debited later that day. It still went through because it was too short notice.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend9/10

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Plooto Works Great

Reviewed 2 years ago

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.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

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My reliable assistant

Reviewed 2 years ago

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.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend8/10

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Plooto Review

Reviewed 2 years ago

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.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

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The cheapest tool to get your invoices paid.

Reviewed 2 years ago
Pros

I've been using Plooto for a little under a year now and it is incredible, it sync's directly with quickbooks and allows me to get my domestic invoices paid for under a 1$ per transaction! The flat-rate fee is a game-changer for me, and means I don't have to pay Stripe's 2.9% transaction fee every time.

Cons

Two downsides: - With QuickBooks recurring transactions, you can't sync a recurring transaction with a recurring receivable in QuickBooks so Plooto marks each recurring transaction as paid, you have to do this manually. - Payment times can be anywhere from 3 - 7 days which is a little slow. Stripe offers instant payout which is a game changer. If Plooto could also offer instant payout for a flat rate that would make this software god-tier.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend8/10

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Plooto Review

Reviewed 2 years ago

While not perfect, Plooto has been great for us to help clients manage their A/P at scale at fees that are lower than the banks charge.

Pros

I like that it is easy to use, integrates with our accounting system, and allows us to manage A/P for clients at scale without using cheques.

Cons

The 4-day turnaround time to settle payments is the biggest pain-point. The new fixed-fee monthly pricing model is inconsistent with how users are actually transacting on the platform, the previous model was much easier to explain to clients. Customer service is a bit slow and we've been charged incorrectly multiple times, which takes them several weeks to resolve for each one.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend8/10

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Plooto Experience

Reviewed 2 years ago

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

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend5/10

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Hook and Sinker

Reviewed 2 years ago

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.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

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ease of use

Reviewed 2 years ago

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

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

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Great software for the price!

Reviewed 2 years ago
Pros

This software saves our organization so much time and effort to process our accounts payable. The link to Quickbooks also saves the time posting. Overall it’s a great system to remove all manual processes and payments from your workflows. And payments can be approved remotely which doesn’t hold up payments having to wait for signing authorities to be in the office.

Cons

I wish that the USD payments into the USA institutions were more competitive in pricing. It’s still expensive to process if they are outside of Canada for us.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend8/10

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Convenient but limited functionality

Reviewed 2 years ago

The product is straightforward to use but I wish that customer service was more responsive and clearer. Looking forward to knowing the limits and future features of the product better.

Pros

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.

Cons

The cross border receivables are extremely limited, the amount is too low to collect receivables across the border. I would like better communication as to what my options are and how to pre-qualify different vendors.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend9/10

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Plooto is great for the needs of small businesses

Reviewed 2 years ago
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.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend2/10

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Good value until the pricing model was changed

Reviewed 2 years ago

We would have continued as a customer however the change in pricing model drove us to change

Pros

It was easy to use for the payer and payee

Cons

The company changed the pricing model without notice. It was no longer a good value

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend7/10

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Reliable and easy to use software

Reviewed 2 years ago

Overall satisfied with the service

Pros

Plooto is reliable and easy to use. The price is inline with other similar products. I like that there is no contract and that we can put the account on hold at any time

Cons

Could be better value for the cost. Only 10 transactions included with the base fee - other similar products have many more transactions included for not much more cost

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

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Plooto is critical to our business

Reviewed 2 years ago

Plooto made our transition to working from an office to home during the pandemic seamless. We went from an organization that made the majority of our payments by cheque (requiring dual signatures) to online using Plooto in about a week. I don't know how we would have paid our bills without it.

Pros

Plooto was so easy to set up, and it's auto connection to our accounting software was seamless.

Cons

We make quite a few payments to the USA, and I would like to see the cost on those come down. The price on Canadian payments is very reasonable.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend7/10

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Simplifying electronic funds

Reviewed 2 years ago

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.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend9/10

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Review on functionality

Reviewed 2 years ago

Overall, it's the software I would recommend to small business owners since it's much cheaper than other products I've used and saves a lot of time for users and can be easily accessible by users from anywhere.

Pros

I like using Plooto, it's much more automated and inexpensive compared to other products that require a bit of manual adjustments. I love how it automatically records into quickbooks on the day of the transaction so there isn't a disrepancy when I look at the AP & AR.

Cons

As an accountant, there is a manual aspect with foreign currencies since Plooto does not want to deal with foreign currencies which is a bit of a headache. There is a limit for the amount that you can send. However, with an approval system internally it should allow business to send more than 20K.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend7/10

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Plooto review

Reviewed 2 years ago

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