Plooto Review

Our score: 8.6 User satisfaction: 96%

What is Plooto?

Plooto is an online payment management system that integrates with leading accounting software like Quickbooks, Quickbooks Online, and Xero to provide end-to-end AP & AR automation. It is ideal for accounting professionals, accounting and bookkeeping firms, and small and medium businesses who are looking for a simple, cost-effective solution to make their accounts receivable and payable process more efficient. Freelancers and professionals can also benefit from the software as it allows them to send invoices and get paid faster with bank-grade security.

Perhaps one of the most significant differences between Plooto and other online payment systems is that payments can be processed even if the client or vendor doesn’t have a Plooto account. All you need is their email address and funds are directly and securely transferred to their bank accounts, which also helps you avoid expensive wire transfer fees and unnecessary charges. Invoices you send and payments you receive are also automatically reconciled and marked as paid in your accounting software, making the entire transaction simpler, faster, and cheaper.

If you want to get rid of tedious and repetitive manual data entry work, Plootoo has powerful automation and smart workflow features that can save your business countless hours and allow your staff to focus more of their time on high-value tasks. For example, you can connect your company’s bank account on Plooto and easily set up plans for recurring payments and pre-authorized debit or PAD payments. You can customize approval tiers and receive real-time notifications on transactions and electronic audit trails so you can easily keep track of any changes made on payments. Since everything is done electronically, you can also avoid checks and save time on going to the bank to deposit payments.

Plooto allows you to send payments anywhere in the US, Canada, and over 30 other countries with competitive exchange rates. You can send in major currencies such as the US dollar, Canadian dollar, Euro, Hong Kong dollar, Chinese Yuan, and UK pound sterling, just to name a few.

You can start using Plooto through a one-month free trial. Succeeding monthly subscription is priced at $25, which already gives you access to full features, such as unlimited bank account connections, unlimited users per business, unlimited approvers, and unlimited customers and vendors.

Plooto only operates in Canada and the USA.

Overview of Plooto Benefits

Simplify Your Workflow

Simplify your workflow and streamline your accounts payable and receivable processes by having all your company decision-makers on one single platform. Make approvals on-the-go with your mobile phone and enable teams to work remotely.

Eliminate tedious and repetitive manual data entry work with automation and smart workflow features. By integrating your accounting software (Xero and QuickBooks) all details about your vendors, customers, bills, and invoices will seamlessly sync directly into Plooto.

Customize Approval Tiers

Plooto allows you to customize your approval process so that payments can be reviewed and approved before any funds are processed. You can select who can create, edit, and authorize transactions with just a few clicks.

Automate Your Accounts Payable and Receivable Processes

Plooto can adapt to your specific needs no matter how your business runs. Whether you’re collecting a one-time payment from a new customer, or recurring payments from a trusted partner, Plooto provides you a wide variety of payment options you need, all in one platform. You can also postdate payments for suppliers and customers you interact with on a regular basis.

With Plooto, payments can be processed even if your clients or vendors don’t have a Plooto account, all you need is their email address. If you do not have their banking information for a direct deposit, you can simply provide a contact name, email, and company name. When payment is made, your contact receives an email from Plooto to provide their banking information and accept the funds.

Control and Have Full Visibility into Your Cash Flow

Have certainty over your cash flow. See every detail of your payment’s status – when payment was made, where it is, when it will arrive in your account. You no longer are required to backtrack and follow-up with overdue invoices. Plooto automatically updates your records for completed transactions and sends real-time updates on the status of bills or invoices owed to your business.

Overview of Plooto Features

  • Digital Approvals (Desktop & Mobile)
  • Automated Workflows
  • Electronic Payments (Accounts Payable & Accounts Receivable)
  • International Payments (Multiple Currencies Available)
  • Check Payments
  • CRA Remittance Payments (Canada Only)
  • Xero Integration (Two-way Sync, Instant Reconciliation)
  • QuickBooks Integration (Two-Way Sync, Instant Reconciliation)
  • Fraud Detection
  • Audit Trails and Record-Keeping

What Problems Will Plooto Solve?

Scenario 1: Cumbersome payment processing

Jane’s company works with an external bookkeeper, Dave. Dave logs all the bills in the accounting software, and the bills are automatically imported into Plooto. Jane logs into Plooto, makes sure everything looks good, and approves the payments. Plooto automatically makes electronic payments to the vendors and reconciles the accounting records. Both Jane and Dave save hours of time without compromising control.

Scenario 2: Payment bottlenecks

Each bill needs two signatures before the bill can be paid. Paul inputs the bills into his accounting software, which imports them automatically into Plooto. Board members are notified by email, and log into Plooto and approve the payment online—even on their phone and on the road. Once both approvals are received, Plooto makes the electronic payment and reconciles the accounting records. Plooto also keeps the audit trail, indicating who approved what. The organization avoids payment bottlenecks while controlling their spending, and Paul doesn’t have to run around getting signatures on checks.

Scenario 3: Complex approval process

Carla is busy running her business and doesn’t want to approve every nickel and dime. She tells her accountant, Jean: “Go ahead and make payments under $100. I’ll look at those at the month-end. But for payments between $100 and $500, get approval from my office manager. Anything over $500, send it to me.” Jean sets up approval tiers in Plooto, and when the bills are logged, the right people get notified by email. They log in and approve payments, which are made automatically. The books are instantly reconciled, and Plooto keeps an audit trail for future reference. Carla is able to delegate work without giving up control, and Jean is able to spend less time on AP and more on providing high-quality advisory services.

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Plooto Position In Our Categories

Knowing that businesses have distinctive business-related wants, it is practical that they abstain from buying a one-size-fits-all, “perfect” business application. Nevertheless, it would be futile to try to come across such application even among recognizable software products. The sensible step to undertake should be to list the different main factors that need analysis including key features, price plans, skill levels of staff, business size, etc. Then, you should follow through your research comprehensively. Go over these Plooto reviews and check out the other solutions in your shortlist in detail. Such comprehensive research ascertain you drop poorly fit apps and pay for the system which includes all the features you require company requires to be successful.

Position of Plooto in our main categories:

TOP 100

Plooto is one of the top 100 Accounting Software products

Plooto is also listed in the following subcategories:

Since each company has specific business requirements, it is prudent for them to desist from seeking a one-size-fits-all perfect software application. Needless to say, it would be pointless to try to find such an app even among market-leading software platforms. The clever thing to do would be to jot down the various essential aspects that require consideration such as key features, budget, skill levels of staff members, company size etc. Then, you should do your homework thoroughly. Read some Plooto Accounts Payable Software reviews and look into each of the other systems in your shortlist in detail. Such comprehensive homework can make sure you weed out ill-fitting platforms and select the system that offers all the features you require for business success.

How Much Does Plooto Cost?

Plooto Pricing Plans:

Free Trial

Monthly Plan


Monthly Subscription Plan – $25/business

  • Unlimited customers and vendors
  • Unlimited approvers
  • Unlimited bank connections
  • Unlimited users per business
  • Free accountant/bookkeeper collaboration
  • Free two-way integration with QuickBooks and Xero
  • Free live support from Plooto

User Satisfaction

Positive Social Media Mentions 82
Negative Social Media Mentions 2

We realize that when you make a decision to buy Accounts Payable Software it’s important not only to see how experts evaluate it in their reviews, but also to find out if the real people and companies that buy it are actually satisfied with the product. That’s why we’ve created our behavior-based Customer Satisfaction Algorithm™ that gathers customer reviews, comments and Plooto reviews across a wide range of social media sites. The data is then presented in an easy to digest form showing how many people had positive and negative experience with Plooto. With that information at hand you should be equipped to make an informed buying decision that you won’t regret.



Technical details

Devices Supported

  • Windows
  • Linux
  • Android
  • iPhone/iPad
  • Mac
  • Web-based


  • Cloud Hosted

Language Support

  • English

Pricing Model

  • Monthly payment

Customer Types

  • Small Business
  • Medium Business
  • Freelancers

What Support Does This Vendor Offer?

  • email
  • phone
  • live support
  • training
  • tickets

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What are Plooto pricing details?

Plooto Pricing Plans:

Free Trial

Monthly Plan


Monthly Subscription Plan – $25/business

  • Unlimited customers and vendors
  • Unlimited approvers
  • Unlimited bank connections
  • Unlimited users per business
  • Free accountant/bookkeeper collaboration
  • Free two-way integration with QuickBooks and Xero
  • Free live support from Plooto

What integrations are available for Plooto?

  • Quickbooks
  • Quickbooks Online
  • Xero

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Reviewed By Nestor Gilbert
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