About Plooto

Category: Bookkeeping
Plooto is an accounts payable and receivable management/automation tool that integrates with Quickbooks and Xero for streamlined AP/AR bookkeeping. Its pricing is simple and affordable for most, and it offers responsive customer service.

Company: Plooto

Plooto is a SaaS company that provides banking software. Its flagship product offers a payment management platform for small and medium-sized businesses that helps to automate and streamlines their payments.

In-Depth Analysis

0 Overall
Price 5.0
Ease Of Use 3.5
Features 4.0
Support 4.5


  • Quick setup
  • Clear, affordable pricing
  • Responsive live chat support
  • Useful two-way Quickbooks and Xero integrations


  • Expensive international transactions
  • Few integrations

Plooto Comparisons

Plans & Pricing

Plooto offers a single plan at $25/business per month. If you run two businesses, you’d pay $50/month. Likewise, if you’re an accountant with two clients, it would cost you $50/month. All customers can send 10 domestic transactions for free per month. After that, it’s $0.50 per domestic transaction until the next month rolls around and your payment count resets.

Plooto charges the following fees as well:
$9.99 per international transaction
$1.99 per check payment
$3 CRA payments (in Canada)

Plooto offers a demo and a 30-day free trial with 10 free transactions to help you check the product out before buying. If you make more transactions during your trial period, you’ll pay based on the rates mentioned above.

Overall, the pricing is quite affordable for businesses with mostly domestic operations.

with 10 FREE domestic payments, 30-day FREE trial
Ease of Use

Plooto’s platform is quite easy to navigate. With only a few simple menus to familiarize yourself with, it takes just minutes to get up and running.

Even then, Plooto walks you through getting set up. After registering, it asks for basic information about you and your business. You then have to upload a photo ID, link your account(s), and connect Quickbooks or Xero (depending on the one you use).

Then, Plooto is yours to use.

Customer Support

Plooto’s Experience Team — their customer service team — “primarily” operates Monday-Friday 9 am – 5 pm. They don’t say “only,” which means they may be accessible outside business hours.

That said, they do say that you’ll have the fastest response times during business hours.

Additional customer support:
Plooto’s blog covers general business topics and specific AP/AR matters.

Help Center
Visit Plooto’s help center if you have any other questions, as they may be answered there.

24/7 Help & Support
24/7 Help & Support
Support is available around the clock
Phone Support
Phone Support
Reach Plooto support by phone at 1-844-475-6686.
Live Online Chat
Live Online Chat
Reach Plooto’s live chat support team with the click of a button
Plooto’s support team also accepts emails at support@plooto.com
Video Tutorials
Video Tutorials
Visit Plooto’s YouTube channel for informational video content
Plooto’s pricing page answers a few FAQs
Features & Functionality
General Features
Accounts Receivable

Accounts receivable is how you get paid. The more streamlined it is, the faster you get paid, and the higher your cash flows climb.

Plooto lets you add an unlimited number of vendors and customers to your system, making it easier to collect payments and monitor invoice statuses in one place. You can set up automated invoice notifications and instructions to help customers pay invoices on time. Plooto lets them pay via credit card, direct debit, and other options.

Plooto’s can also pull invoices from specific accounting software solutions (Quickbooks and Xero) for your monitoring convenience. It’ll also sync with these programs, keeping your books up to date.

Other features include payment status monitoring, pre-authorized debit agreement setup, and automatic account reconciliation.

Accounts Payable

Plooto does well on the accounts payable side as well, helping you reduce human error and chances of fraud while improving relationships with your vendors.

Like with receivables, Plooto lets you add an unlimited number of approvers for payment approval. You can also define criteria and customize approval tiers around those. For example, an entry-level employee wouldn’t be able to approve the same things that a senior finance employee might.

Again, Plooto keeps your Quickbooks or Xero books updated with its two-way integration. Most of your tedious accounting work is handled.


Tracking all those payments coming from a number of clients isn’t easy. Fortunately, Plooto offers a single intuitive dashboard where you can see all your clients and payment statuses in one area. No need to dig around for the information or generate multiple reports.


Being an accounts payable automation solution, Plooto offers numerous ways to pay clients. You can send money domestically and internationally. You can use checks or pre-authorized debits, depending on preference. It even provides specialized help with remitting funds to the Canadian Revenue Agency (CRA).

  • General Ledger
  • Manages Accounts Payable/Receivable
  • Income & Expenses Tracking/Management
  • Account Reconciliations
  • Bookkeeping Services Integration
  • Financial Reporting
  • Receipt Scanning
  • Invoicing
  • Dashboards
  • Auditing
  • Inventory Tracking/Management
  • Pay Bills
  • Cloud-based
  • Collections
  • Multi-currency
  • Multi-user Access
  • Manage Vendors/Contacts
  • Manage Purchase Orders
  • Bank and Credit Card Synchronization
  • Payroll Management
  • Convert Quotes to Invoices
  • Mobile App
Tax Preparation
  • Tax Compliance
  • Manage Tax Calculations/Reporting
  • Accountant-prep Friendly/Accessible
Time-Saving Automations
  • Automation of Invoices/Notifications
  • Suggests Transaction Matches
  • Purchase Order Automation

Plooto integrates with two of the bookkeeping software market’s biggest players: Quickbooks and Xero.

This two-way integration lets you pull in invoices from either program and monitor their statuses using Plooto’s advanced accounts receivable functionality. Simultaneously, Quickbooks and Xero pull payment information (for your invoices and on payments you make to others) to record in your books automatically.

Of course, Plooto integrates with many US and Canadian banks and other institutions.

  • Payment Processing
  • Payroll Processing
  • Project Management
  • Time tracking
  • Third-party Integrations
Supported Devices
  • Windows
  • Android
  • Linux
  • iPhone/iPad
  • Mac
  • Web-based
Pricing Model
  • Monthly Payment
  • One-Time Payment
  • Annual Subscription

Plooto offers effective AP/AR automation, intuitive UI, deep two-way integrations with Quickbooks and Xero (as well as more integrations with tons of financial institutions), and accessible support — all at a clear and affordable price.

That said, Plooto is not bookkeeping software on its own. If you only need AP/AR software, Plooto is an excellent choice aside from the high international transaction fees. However, it is best used in conjunction with Quickbooks or Xero to unlock its full bookkeeping power.

Bradley Schnitzer
Author: Bradley Schnitzer
Bradley Schnitzer helps businesses gain loyal customers through informative content pieces and persuasive copy. He is passionate about personal finance and helping budding freelancers further their careers.

Plooto User Reviews

Steve T
51-200 employees
Used for: 6-12 months
02 Mar - 2021


Plooto has saved me hours upon hours of work thanks to its amazing automation. My AP and AR services are even more profitable. I am highly impressed with this software and have recommended it to fellow business partners.


Plooto keeps a full audit trail and syncs all my records.


Sometimes loading time lags and I'd like to see more international payment options.

Jeremy I
11-50 employees
Used for: 2+ years
04 Feb - 2021

Software integration is what won me over

I love that it links with Xero and other necessary services. For the price, you get great software that works for you and grows with you.


The interface is clean, user-friendly, and easy to learn.


Lacking some reporting functionality

Peter M
02-10 employees
Used for: 1-2 years
14 Jan - 2021

Improved my bookkeeping efforts by far.

Simple user experience. Easy to train staff on. Decent costs if you're spending enough each month in transactions. Easy setup. Cluod based means I can work remote. Clean reports that are easy to follow and track


Wish there were more notifications

Leonardo F
11-50 employees
Used for: Less than 6 months
01 Jan - 2021

Plooto has become essential

Overall, I had a good experience working with Plooto. When I take over as admin, the ramp up time is minimal.


Attractive and smooth software.


Only one thing to mention is that I wish the accounts receivable had more options