Plooto Review 2026: Accounting Software, Bookkeeping

Managing accounts payable (AP) and accounts receivable (AR) has always felt like a tedious, time-consuming task—until I started using Plooto. This cloud-based platform completely transformed how I handle payments, offering automation, efficiency, and peace of mind. If you're looking to streamline your financial workflows, Plooto might be exactly what you need.

Plooto has a few customer support options for users to contact for help. Live chat is a great way to get in touch with an agent from the company, and they also offer a phone number and email address for contacting support. Phone Support Plooto's phone support number is (844) 475-6686, and they are available Monday through Friday from 9 am to 8 pm EST. Contacting phone support is very easy. It only took about 4 minutes to get through the short automatic responses and connect to an agent. The agent I spoke to was very helpful in answering my questions and giving me additional information about the software offerings. She also mentioned setting up a demo of the software for a better understanding of how everything works. Overall, phone support is a very useful option. Live Chat Plooto’s Live chat option is an excellent way for users to get a quick response and questions answered. Unfortunately, you only have the live chat option when you're a user of Plooto software. However, you can use it during the free trial. I was connected to a live agent within 4 minutes, and she answered all of my questions very quickly and to the point.

Email Support Anyone can email support@plooto.com to ask questions or get more information about the software. Responses were pretty quick, as they responded to my email by the morning of the next business day. The agent who emailed me back answered all of my questions as well as offered to help me set up a demo of the software.

Plooto is user-friendly, and signing up for a free trial is a breeze. Just answer 2-3 questions about your business, and you're sent to the dashboard using the software in no time. Email authorization is required when setting up an account. Plooto’s integrations with Intuit Quickbooks and Xero make managing accounting for your business easy.

Plooto Account Setup It was extremely easy to set up an account with Plooto. I was signed in and utilizing the software’s free trial within 60 seconds.

If you’re a small to mid-sized business owner looking to automate your payments, reduce manual errors, and save time, Plooto is a fantastic choice. It’s easy to use, integrates seamlessly with popular accounting tools, and gives you better visibility into your cash flow.

Plooto has been more than just a tool—it’s been a reliable partner in keeping my finances organized and stress-free. If you’re ready to take the hassle out of AP and AR, I can’t recommend it enough!

Accounting Software

Account Dashboard

The Plooto account dashboard is simple and fairly easy to navigate. Users get access to the dashboard and software features with the free trial so they can test it before making the commitment. The main features include paying vendors, processing payments, and saving contacts.

Integrations

Plooto integrates seamlessly with Xero and Intuit Quickbooks, two of the top-rated accounting and invoicing software platforms. Businesses on the Pro plan (the highest tier) also get integration with Netsuite Oracle.

Payment Features

Plooto allows payments via online check, credit card, debit card, and ACH payments. With Plooto Instant, you can process payments faster. You can pre-fund your Plooto account so you are ready to make payments to vendors with Plooto’s vast network of 120,000 payees.

Time-Saving Automations

Plooto allows users to set up automatic ACH payments from their clients and customers. Plooto makes it easy to set up and receive payments automatically.

Multiple Payment Methods

Plooto allows you to make and receive payments by using credit/debit cards, online checks, and ACH payments.

Some other fees to note:

• Cross-border payments: $10
• Paper checks: $2
• ACH Payments: 50 cents
• Credit card payment processing: 2.9% + 30 cents

Invoice Importing

Document capture is a user-friendly feature that will be a major time saver for businesses. Uploading invoices is easy with Plooto. The software allows you to upload invoices right from your account dashboard and will pull information from the uploaded invoice for your business.

Reports & Analytics Features

Plooto offers simple reporting for software users. They auto-track expenses/payments made to vendors and received from customers. Plooto tracks all payments made to and from your business and provides monthly reports.

Monitor and categorize expenses for accurate financial tracking.

Streamline tax compliance with automated preparation tools.

1. Effortless Automation for AP and AR

The first thing I noticed about Plooto was how much time it saved me. Instead of manually processing invoices and payments, everything is automated. From invoice approval to payment scheduling, Plooto takes care of the heavy lifting. The system tracks everything, so I’m always in control without getting bogged down by repetitive tasks.

2. Seamless Integration with My Accounting Software

One of Plooto’s standout features is how smoothly it integrates with popular accounting tools like QuickBooks and Xero. For me, this meant no more manual data entry—everything syncs automatically. It keeps my records accurate and saves me hours every month.

3. Tailored Approval Workflows

I really appreciate Plooto’s custom approval workflows. I can set up rules so that payments over a certain amount need extra authorization, giving me confidence that every transaction is secure and properly reviewed. It’s great for maintaining financial control without micromanaging every step.

4. Vendor and Supplier Management Made Easy

Plooto simplifies vendor payments by connecting me to its extensive network of over 150,000 vendors. I can pay suppliers quickly, track transactions effortlessly, and keep all my records in one place. It’s a big stress reliever, especially when juggling multiple vendors.

5. Handles International Payments

One thing I find especially useful is how Plooto supports both domestic and international payments. While international fees can be a bit higher, having the ability to send payments across borders is invaluable for global operations.

Why Plooto Works for Me

• User-Friendly Interface: I love how intuitive the platform is. Even if you’re not a financial expert, Plooto makes it easy to navigate and manage your payments.
• Time-Saving Features: The automation has been a game-changer. Tasks that used to take hours now happen in minutes, letting me focus on growing my business instead of getting buried in admin work.
• Accurate Reconciliation: With Plooto’s automated bank reconciliation, I never have to worry about errors. The system ensures that every transaction is accounted for.

Expand software functionality with customizable add-ons.

Access accounting tools seamlessly across various devices.

Bookkeeping

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.

Dashboards

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.

Payments

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).

Simplify and optimize tax filing with expert features and tools.

Automate repetitive tasks to improve efficiency and productivity.

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.

Access and use on a variety of compatible devices.

Flexible pricing structures tailored to different needs and budgets.

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.

Overall, I think Plooto is great for businesses looking to streamline their financial process with end-to-end accounts payable and accounts receivable functions. They have an above-and-beyond customer service department. While many companies employ automated customer service systems, Plooto maintains live agent support. Plooto is also an excellent choice for any business using Quickbooks or Xero. The company's growth plan has many features for an affordable price point.

Since adopting Plooto, I’ve noticed a big difference in how smoothly my financial operations run. Tasks that used to feel overwhelming are now streamlined, and I have more confidence in my financial management. The automation and integrations with my existing tools have freed up time I can now spend on strategy and growth.

While Plooto has been amazing for my payment workflows, there are a couple of things worth mentioning:

• Focus on Payments: Plooto specializes in AP and AR, so if you need full-service accounting features, you might need additional tools.
• International Fees: If you’re handling frequent cross-border payments, the fees can add up, so it’s something to factor into your decision.