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Productivity & Business · Finance, Billing & Accounting

Plastiq

Plastiq lets businesses pay vendors by credit card even where cards aren't accepted, for a 2.99% fee, and collect card payments with no merchant fee.

Our take: Plastiq is useful when a supplier won't take cards and you need 30 to 60 days of float, or want to hit a card's spending bonus.

Best forPaying bills by credit card
ReviewedPricing: Paid
5.9 out of 105 criteria · see breakdown
Try Plastiq2.99% per card payment; no subscription

Plastiq is a B2B payments service that lets you pay vendors with a credit card even when they don't take cards; Plastiq charges your card and sends the vendor ACH, a check or a wire. It suits small and mid-size businesses that want cash-flow float. There is no subscription: card payments cost 2.99% each, plus a delivery fee.

Plastiq went through Chapter 11 and is now owned by Priority

Plastiq Inc. filed for Chapter 11 bankruptcy protection on 24 May 2023.

On 31 July 2023 Plastiq, Powered by Priority, LLC, a subsidiary of Priority Technology Holdings, completed the purchase of substantially all of Plastiq's assets for about $37.0 million. The plastiq.com site now says it is backed by Priority Commerce.

Checked October 4, 2026
The bottom line

Worth it for occasional card-only cash-flow needs; costly as a default way to pay bills.

Our score

Reviewed by the Conversion Gems editorial team. Hover a facet to focus it; click to pin.Tap a facet to focus it.

Community ratings

Shown for context only. Our score is independent.

Capterra
4.3 out of 5
20+ reviews
Trustpilot
1.9 out of 5
960+ reviews

2.0 / 5 aggregate · across 2 sources

Third-party ratings shown verbatim; aggregate weighted by review volume.

What it is, and why we rate it

One line each. Open a row for detail.

What it really isA pay-by-card bill payment service with a free card acceptance product, now owned by Priority Technology Holdings.
Our takePlastiq is useful when a supplier won't take cards and you need 30 to 60 days of float, or want to hit a card's spending bonus.
The fees are clear and published, which many payment tools can't say. For everyday bills the 2.99% fee plus delivery usually costs more than the rewards you earn, so treat it as a cash-flow tool.
Why we rate itPublished fees, no subscription and syncs with four accounting systems.
The catch2.99% per payment plus delivery fees, and a 2023 Chapter 11 history.

Best / not good for

Best for
  • Paying card-unfriendly suppliers by card
  • Short-term cash-flow float
  • Taking card payments without merchant fees
Not good for
  • Routine bills where ACH is free elsewhere
  • Earning net-positive card rewards
Trade-offs

Friction report

Trade-offs to know before signing up.

  1. Time to value
    Same day: sign up online, add a card and a vendor, and schedule a payment.
  2. Scale breakpoint
    At high volume the 2.99% fee adds up; a subscription AP tool may cost less.
  3. Walled garden
    Low: payments sync to QuickBooks Online, Sage Intacct, NetSuite and Xero.
Still a fit?
If none of these block you, try it on the official site.
Try Plastiq

Plastiq fees

ItemFeeNotes
Card payment (Plastiq Pay)2.99%Per payment charged to your card
Short-term financing2.75%-10.65%When you spread a payment
ACH / EFT delivery$0.99Per payment
Paper check delivery$1.49Per payment
Wire delivery$8.99 domestic / $39 internationalPer payment
Expedited deliveryFrom 0.2%Same/next day and overnight checks
Plastiq AcceptFree to the businessPayer pays 2.99% per card payment
SubscriptionNone

From Plastiq's pricing page, checked 4 October 2026. Extra fees may apply based on the card's issuing country or delivery method.

Frequently Asked Questions

Is Plastiq free to use?

Signing up is free and there is no subscription, but each card payment costs 2.99%, and delivery adds $0.99 for ACH, $1.49 for a check or $8.99 for a domestic wire (checked 4 October 2026). Receiving card payments with Plastiq Accept is free for the business; the payer pays the 2.99%.

Does Plastiq actually work?

Yes. You pay Plastiq with your card and Plastiq sends the money to the vendor by ACH, check or wire, so the vendor never has to accept cards. Check the delivery time and fee before you pay a due-date bill.

Which is better, Plastiq or Melio?

Melio suits businesses that mostly pay by bank transfer: its free plan includes 5 free ACH payments a month and card payments cost 2.9%. Plastiq suits businesses that specifically want to pay by card, at 2.99% plus a delivery fee and with no plans (both checked 4 October 2026).

Is Plastiq still in business after the bankruptcy?

Yes. Plastiq Inc. filed for Chapter 11 in May 2023, and on 31 July 2023 a subsidiary of Priority Technology Holdings completed the purchase of substantially all of its assets. The service runs under Priority today.

How do I log in to Plastiq?

Conversion Gems is a review site, not Plastiq. The sign-in link on plastiq.com goes to grow.plastiq.com/signin.

Plastiq alternatives

Other payment tools to compare:

Showing 1–3 of 4See all 4 reviewed Plastiq alternatives, compared side by side
Sources checked October 4, 2026: Plastiq pricing, Plastiq Pay, Plastiq Accept, Plastiq home page, Plastiq for individuals, Priority Technology 8-K on the Plastiq asset purchase (July 2023).

Conversion Gems independently reviews every tool.

Tags

#Plastiq#B2BPayments#AccountsPayable

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