Productivity & Business · Finance, Billing & Accounting

Plooto

Plooto automates accounts payable and receivable for small businesses and accounting firms, with EFT, ACH, cheque and cross-border payments.

Our take: Plooto does the core AP and AR jobs well for Canadian and US small businesses: approvals before money moves, many payment rails and sync to QuickBooks or Xero.

Best forAP/AR for SMBs and firms

ReviewedOct 2026Free Trial

6.95 criteria · see breakdown

Try Plooto$9/mo (firm clients); Grow from $32/mo

Plooto is a payables and receivables platform for small businesses and accounting firms in Canada and the US, with approval rules and QuickBooks or Xero sync. Go costs $9 a month for clients of accounting firms, Grow starts at $32 and Pro at $99, plus a fee on each payment. A 30-day free trial includes 10 free domestic transactions.

The bottom line

A solid fit for SMBs paying suppliers by EFT, ACH or cheque; model your monthly payment count before you pick a plan.

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

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Trustpilot

3.2

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4.0 / 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 payables and receivables platform for small businesses and their accountants, with approvals and accounting sync.

Our takePlooto does the core AP and AR jobs well for Canadian and US small businesses: approvals before money moves, many payment rails and sync to QuickBooks or Xero.

Its fee table is unusually transparent. The subscription is only part of the bill, since every domestic payment carries a fee, and the $9 Go plan is reserved for clients of accounting firms.

Why we rate itClear approvals, broad payment rails and a fully published fee table.

The catchPer-payment fees on every plan, and the cheapest plan is limited to firm clients and 5 payments.

Best / not good for

Best for

Small businesses paying suppliers by EFT, ACH or cheque
Accounting firms running client payables
Teams on QuickBooks Online or Xero

Not good for

High-volume payers who want flat pricing
Global payouts beyond 40+ countries
Businesses wanting a free plan

Trade-offs

Friction report

Trade-offs to know before signing up.

Time to value
Plooto says setup takes a few minutes; bank verification and accounting sync add steps.
Scale breakpoint
More than 5 domestic payments a month (Go) or a need for SSO and change controls (Pro).
Walled garden
Low: two-way sync with QuickBooks Online and Xero keeps records in your books.

Still a fit?

If none of these block you, try it on the official site.

Try Plooto

Plooto plans and pricing

Plan	Price	Domestic EFT/ACH fee	Domestic payments	Approvals and sync
Go	$9/mo (clients of accounting firms only)	$1	Up to 5 a month, 1 bank account, $5,000 per payment	1 rule, 1 approver; QuickBooks Online, Xero
Grow	From $32/mo	$0.50	Unlimited; optional payment packages	Unlimited rules and approvers; adds QuickBooks Desktop
Pro	From $99/mo	$0.50	Unlimited	Adds SSO, change controls, priority support; NetSuite as add-on

From Plooto's pricing page, checked 4 October 2026. The page shows prices in $ without naming the currency. 30-day free trial with 10 free domestic transactions, no credit card.

Plooto per-payment fees by plan

Payment type	Go	Grow	Pro
Domestic EFT, EMT or ACH	$1	$0.50	$0.50
Cross-border payment	$19	$10	$10
Foreign exchange transfer fee	$19	Waived	Waived
Paper cheque	$12	$6	$4
CRA payment	$5	$3	$3
Pay a vendor by credit card	2.9%	2.9%	2.9%
Accept a card payment	2.9% (Visa, Mastercard) to 3.2% (Amex)	2.9% to 3.2%	2.9% to 3.2%

From Plooto's pricing page, checked 4 October 2026. Exchange-rate margins apply on currency conversions.

Frequently Asked Questions

How much does Plooto cost?

Go costs $9 a month and is only available to clients of accounting firms; Grow starts at $32 a month and Pro at $99 a month. Domestic EFT and ACH payments cost $1 each on Go and $0.50 on Grow and Pro, and cheques, cross-border and CRA payments have their own fees (checked 4 October 2026).

Does Plooto have a free trial?

Yes. The 30-day trial includes 10 free domestic transactions and full access to the plan you choose, with no credit card required (checked 4 October 2026).

Is Plooto an end-to-end AP system?

It covers bill capture by OCR, approval rules, payment by EFT, ACH, cheque, card or cross-border transfer, and sync back to QuickBooks Online, Xero, QuickBooks Desktop or NetSuite (add-on). Purchase orders and procurement are not listed on the pricing page.

How long does a Plooto payment take?

Plooto says payments through its pre-funded Plooto Instant accounts, available in USD and CAD, clear in 1 to 2 business days at no extra cost. Timing for other payment types depends on the method; check Plooto's help center for each one.

Is Plooto legitimate?

Plooto is a live payments product run by Plooto Inc., with a public pricing page, help center and support line. As with any payments tool, review its security page and terms before you connect a bank account.

Does Plooto work with QuickBooks and Xero?

Yes. Every plan includes automatic two-way sync with QuickBooks Online and Xero. QuickBooks Desktop sync starts on Grow, and Oracle NetSuite sync is an add-on on Pro.

Plooto alternatives

Other accounts payable tools to compare:

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Sources checked October 4, 2026: Plooto pricing, About Plooto.

Conversion Gems independently reviews every tool.