About 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. Get paid as soon as 2 business days with credit cards! Trusted by 6,000+ businesses, the platform also integrates with popular accounting systems such as Xero and QuickBooks to eliminate data entry and automate the reconciliation of bills and invoices.

Plooto provides robust two-way sync with QuickBooks and Xero, automating the end-to-end AP and AR processes - from syncing invoices and payments to reconciling payment records while keeping a full audit trail.

Additionally, features like customizable approval workflows, recurring payments and pre-authorized debit (PAD) agreements save you even more time and effort.

Pricing starting from:

US$25.00/month

  • Free Version
  • Free Trial
  • Subscription

Key benefits of Plooto

  • Stop chasing check signatures with Plooto's smart approval workflow - allowing you to get payment approvals from assigned approvers from anywhere in the world.

  • Improve your cash flow and get paid as soon as 2 business days with Plooto's credit card acceptance (compared to the 4-7 business days with ACH). Plus, provide more payment flexibility to your customers!

  • With Plooto's smart integration, automatically sync all invoices and transactions to and from QuickBooks or Xero

  • Plooto keeps a full audit trail of all transactions, saving you countless hours on data entry

  • Switch between multiple client accounts with Plooto's dashboard view - perfect for accountants and bookkeepers.

  • Collect one-time and recurring payments faster with PAD to streamline the accounts receivable process

  • Securely transfer funds electronically without having to know the payee's banking information.

  • Send domestic and cross-border payments between Canada and the U.S. with no percentage fees.

  • Devices

    Business size

    S M L

    Markets

    Canada, United States

    Supported Languages

    English

    Pricing starting from:

    US$25.00/month

    • Free Version
    • Free Trial
    • Subscription

    Images

    Plooto Software - Plooto Client Dashboard | Have full visibility of your clients and see all pending action items at a glance.
    Plooto Software - Plooto Accounts Payable Dashboard | View all of your client's pending and completed payables
    Plooto Software - Plooto Integration | With Plooto's two-way sync with QuickBooks and Xero, automate accounting payable processes
    Plooto Software - Plooto Manual Payment | Have the ability to make manual payments without having to sync to an accounting software
    Plooto Software - Plooto Accounts Receivable Dashboard | View all of your client's pending and completed receivables
    Plooto Software - Plooto Request Payment | Manually request payments and enjoy features like recurring payment and PAD
    Plooto Software - Plooto Integration | With Plooto's two-way sync with QuickBooks and Xero, automate accounting receivable processes
    View 8 more
    Plooto video
    Plooto Software - Plooto Client Dashboard | Have full visibility of your clients and see all pending action items at a glance. Plooto Software - Plooto Accounts Payable Dashboard | View all of your client's pending and completed payables Plooto Software - Plooto Integration | With Plooto's two-way sync with QuickBooks and Xero, automate accounting payable processes Plooto Software - Plooto Manual Payment | Have the ability to make manual payments without having to sync to an accounting software Plooto Software - Plooto Accounts Receivable Dashboard | View all of your client's pending and completed receivables Plooto Software - Plooto Request Payment | Manually request payments and enjoy features like recurring payment and PAD Plooto Software - Plooto Integration | With Plooto's two-way sync with QuickBooks and Xero, automate accounting receivable processes

    Features

    Total features of Plooto: 44

    • ACH Payment Processing
    • Access Controls/Permissions
    • Account Reconciliation
    • Accounts Payable
    • Accounts Receivable
    • Alerts/Notifications
    • Automatic Billing
    • Bank Reconciliation
    • CPA Firms
    • Cash Flow Management
    • Cash Management
    • Check Writing
    • Collections Management
    • Contact Database
    • Contingency Billing
    • Credit Card Processing
    • Dashboard
    • Data Security
    • Direct Deposit
    • Document Management
    • Electronic Funds Transfer
    • Electronic Payments
    • Email Reminders
    • Financial Reporting
    • Fraud Detection
    • General Ledger
    • Invoice History
    • Leave Tracking
    • Multi-Location
    • Multi-Period Recurring Billing
    • Online Invoicing
    • Online Payments
    • Partial Payments
    • Payment Processing
    • Payroll Management
    • Progress Tracking
    • Project Billing
    • QuickBooks Integration
    • Recurring Invoicing
    • Recurring Payments
    • Reporting/Analytics
    • Search/Filter
    • Status Tracking
    • Transaction Monitoring

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    Reviews

    Overall rating

    4.4 /5
    (197)
    Value for Money
    4.2/5
    Features
    4.2/5
    Ease of Use
    4.5/5
    Customer Support
    4.0/5

    Already have Plooto?

    Software buyers need your help! Product reviews help the rest of us make great decisions.

    Write a Review!
    Showing 5 reviews of 197
    Aislinn K. Aislinn K.
    Overall rating
    • Industry: Management Consulting
    • Company size: 11-50 Employees
    • Used Weekly for 1+ year
    • Review Source

    Overall rating

    • Value for Money
    • Ease of Use
    • Customer Support
    • Likelihood to recommend 7.0 /10

    Entreflow Consulting Group's use of Plooto

    Reviewed on 19/4/2019

    Plooto has certainly helped us from a workflow perspective, it's pulling your payables from your...

    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 Y. Heather Y.
    Overall rating
    • Industry: Accounting
    • Company size: 11-50 Employees
    • Used Daily for 2+ years
    • Review Source

    Overall rating

    • Value for Money
    • Ease of Use
    • Customer Support
    • Likelihood to recommend 10.0 /10

    Our EFT provider of choice

    Reviewed on 14/12/2020

    Our objective was to automate payables, and Plooto has been great for that purpose.

    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.

    Audrey M. Audrey M.
    Overall rating
    • Industry: Accounting
    • Company size: Self Employed
    • Used Monthly for 1+ year
    • Review Source

    Overall rating

    • Ease of Use
    • Likelihood to recommend 8.0 /10

    It's easy and quick to use, but it's missing a key integration that would make it perfect.

    Reviewed on 30/9/2021

    Overall a good experience, but it's missing a key integration that would make it perfect. I can't...

    Overall a good experience, but it's missing a key integration that would make it perfect. I can't wait for them to bring back credit card payments and I hope they expand the integration capabilities.

    Pros

    Plooto integrates with QBO and make syncing receivables and payables easy. It reconciles the payments which saves a lot of time. The customers and suppliers receive an email that tells them about upcoming payments and a link that takes them to this information plus shows them the past transactions.

    Cons

    I've been using Plooto with one client for about a year now and would like to move other clients to this system. Unfortunately, Plooto doesn't work with QBO's projects and sub-customer system. Each time I’ve tested collecting these receivables, Plooto says the customer doesn't exist and wants to create a new client even though the client does exist, it's picking up the project or sub-customer name at the end of the client’s name. If Plooto’s system can recognize the customers name before the ":" to allow collection of accounts with multiple project or sub-accounts I would be able to move more clients over to this system.

    Tammy B. Tammy B.
    Overall rating
    • Industry: Publishing
    • Company size: 2-10 Employees
    • Used Daily for 1-5 months
    • Review Source

    Overall rating

    • Value for Money
    • Ease of Use
    • Customer Support
    • Likelihood to recommend 3.0 /10

    It appears to have it all until you use it.

    Reviewed on 17/12/2018

    Not Good. Really ambitious to make it work I like the concept but they make it very hard to be a...

    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 could solve this issue. 3) Ya I was very confused but when my clients couldn't figure it out either, some ended up with duplicate payments pulled from their accounts etc. No help to fix very embarrassing. 4) their live chat is not live. You ask a question and wait. Fine to get started but even in the middle of conversation to deal with issues they just disappear. The conversation is not live. Sometimes they don't even read my questions which makes me think not a real person is helping me. 5) Money holding ridiculous! If a client due date on invoice was 30 days and they paid me next day I had to wait until what my invoice said for due date on payment. Plus when money drops into my account there is no PLOOTO ID on the deposit. Very confusing for trying to reconcile. 6) Plooto reconciled in Xero in its own little account but doesn't reconcile with the bank account. Weird and confusing.

    Danny R. Danny R.
    Overall rating
    • Industry: Accounting
    • Company size: 2-10 Employees
    • Used Weekly for 2+ years
    • Review Source

    Overall rating

    • Value for Money
    • Ease of Use
    • Customer Support
    • Likelihood to recommend 9.0 /10

    Integral Software for Accounting

    Reviewed on 8/12/2020

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

    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.

    Alternatives Considered

    BeanworksAP

    Reasons for Switching to Plooto

    Cost was the Primary reason for the choice. I however miss the capabilities when Plooto first started when I could have both Canadian and US Domiciled accounts in the same login. Now I need to create 2 separate accounts for it.
    Showing 5 reviews of 197 Read all reviews

    Plooto FAQs

    Below are some frequently asked questions for Plooto.

    Plooto offers the following pricing plans:

    • Starting from: US$25.00/month
    • Pricing model: Free Version, Subscription
    • Free Trial: Available

    $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.

    Plooto has the following typical customers:

    Self Employed, 2-10, 11-50, 51-200, 201-500, 501-1,000, 1,001+

    Plooto supports the following languages:

    English

    Plooto supports the following devices:

    Android (Mobile), iPhone (Mobile), iPad (Mobile)

    Plooto integrates with the following applications:

    QuickBooks Online Advanced, Xero

    Plooto offers the following support options:

    Email/Help Desk, FAQs/Forum, Knowledge Base, Phone Support, 24/7 (Live rep), Chat

    Related categories

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