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Frontrunner 2021
Software Advice's FrontRunners report ranks top products based on user reviews, which helps businesses find the right software.
What is Plooto?
Plooto is an all-in-one platform that enables businesses to automate their domestic and international accounts payable and accounts receivable functions by unifying payments, processes, control, and reporting. Trusted by 6,000+ businesses, the platform also integrates
Plooto provides smart two-way sync with QuickBooks and Xero, automatically syncing bills, invoices, and payments and reconciling bookkeeping records while keeping a full audit trail.
And, with Plooto, improve your cash flow with credit card acceptance and get paid as soon as 2 business days and automation features like PAD and recurring payments to get money into your account much faster with less work....
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User Review Highlights
4.36
218 Reviews
Ease-of-use
out of 5Customer Support
out of 5Value for money
out of 5Functionality
out of 5"The collection of data was seamless and the prompting and follow up on invoices was a good option."
"Integrations, approvals and workflow are fantastic."
"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."
"Due to the horrible pricing model change, if there was an alternative, I would be using it."
"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."
"There is a lag time of 4-5 business days when making payments. We have to explain this to every vendor since it can be a confusing process."
Read user reviews
How much does Plooto cost?
$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.
Starting price
$25.00 per month
Free trial
Available
Free version
Available
Which features does Plooto offer?
Core features:
Access Controls/PermissionsAccount ReconciliationAccounts PayableAccounts ReceivableACH Payment ProcessingAlerts/NotificationsApproval Process ControlAutomatic BillingBank ReconciliationBilling & InvoicingShow more features +
Other Top Recommended Accounting Software
How easy is Plooto to use and deploy?
Plooto supports multiple deployment options, including: Cloud, SaaS, Web-based, iPhone, iPad, Android.
4.36/5 out of 218 Reviews
Showing 1 - 5 of 218 reviews
Luke
Company size: 1 employee
Time used: Less than 2 years
Review Source: Capterra
This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you.
March 2021
I saved hours of work and thousands of dollars using plooto

Aislinn
Verified reviewer
Company size: 11-50 employees
Industry: Management Consulting
Time used: Less than 2 years
Review Source: Capterra
This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you.
April 2019
Entreflow Consulting Group's use of Plooto
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.
Heather
Company size: 11-50 employees
Industry: Accounting
Time used: More than 2 years
Review Source: Capterra
This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you.
December 2020
Our EFT provider of choice
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.
Reasons for choosing Plooto
Software integration, convenient user interface
Dimitri
Company size: 11-50 employees
Industry: Consumer Services
Time used: More than 2 years
Review Source: Capterra
April 2022
SP North America Feedback
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.
Reasons for choosing Plooto
We wanted a local provider instead of offshore.
Michele
Company size: 11-50 employees
Industry: Civil Engineering
Time used: Less than 12 months
Review Source: Capterra
February 2022
Plooto is easy to use!
The overall experience has been great. When I have reached out to support my issues have always been resolved, although it may take a day or 2 to get a reply. Improvment on the customer service would be nice.
Pros
I like how easy it is to set up clients and send payments. Especially international payables and receivables. The company [SENSITIVE CONTENT] likes how I can enter all the accounts payable and he can simply approve the payment. Saves him a considerable amount of time and work.
Cons
The payments take longer than the average EFT or wire. It may take up to a week for the money to be completely transferred.
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