Plooto Review - Accounting Software

Plooto Review

flag Integrate with popular bookkeeping tools
  • Manage international payments

  • Affordable monthly subscription model

  • Highly responsive live chat support

  • Unlimited users & bank connections

Pros & Cons

  • Very easy to get started and integrate into your workflow
  • Automates the process of accounts receivable
  • Streamlines the approval process for accounts payable
  • Responsive support team available via live chat during business hours
  • Deep integrations with Xero and Quickbooks
  • It only integrates with Xero and Quickbooks
  • Doesn’t have phone support for customers

Plans & Pricing

Plooto was designed to unify and simplify processes that would normally take hours and dedicated team members. This focus on streamlining process extends to its pricing. It only has one monthly pricing tier which comes with all features.

Monthly subscription plan

The single pricing tier of Plooto costs $25/m/business. That means if you have two businesses then you’ll be paying $50/m. It comes with unlimited users, unlimited approvers, unlimited customers and vendors, no limits on bank connections, and integrations with other tools.

There are additional fees associated with certain transactions you take and they’re reset on a monthly basis. You get 10 free domestic transactions a month and are charged $0.50 for each one over that amount. International transactions are $9.99 and check payments in the US are $1.99.

The subscription pricing is much cheaper than many other payment solutions on the market. The transaction fees are a bit higher if you’re doing a lot of international transactions but if you’re focused on the domestic market you may be saving money.

Monthly Subscription


Plooto was founded in 2015 by Serguei Kloubkov and Hamed Abbasi as a way for businesses and accounting firms to streamline their accounts payable and accounts receivable processes. It has grown to support over 4,000 companies of all shapes and sizes but is ideal for small and medium businesses.


  • "Price"
    10 /10
  • "Features"
    6 /10
  • "Ease of Use"
    8 /10
  • "Help and Support"
    7 /10

Features and Functionality

Plooto is laser-focused on a core set of features to simplify payments for businesses – both inflows and outflows. Due to this focus, it may appear to be lacking many bells and whistles. That’s not an accident – it’s by design. It allows you to process payments, connect to popular accounting software, send next-day international payments, and much more. It’s a web based application so you can give access to people whether they’re located in the same place as you or not.

Accounts Receivable

Plooto syncs with your accounting software and automatically imports invoices you’ve created and starts the process of collecting payments. Your customers will get a notification and instructions on how to pay online. There are multiple options such as paying with a card or direct debit.

You’re also able to manage your contacts, set up pre-authorized debit agreements, see the status of payments, and automatically reconcile accounts.

Accounts Payable

Plooto allows you to set up custom rules that’ll make sure the right person gets the information needed for payment approval. You’re able to give as many people as needed the ability to approve payments. You can also set up approval tiers based on criteria important to you. Of course, Plooto updates your integrated accounting software and helps you keep a clean audit trail in case you need to go back and check something.

Online check payments

If you or your organization prefer to pay by check then Plooto can handle it. After a bill has been imported from your accounting software, it will go through the approval process. You can choose to send a check out to the recipient from within Plooto. It’ll print out and mail it to the right place and save you the hassle of doing it yourself.

Ease of Use

Unlike many other tools in this category, Plooto is a joy to use. When you register for the platform, you’re dropped on the home screen which shows you a number of steps you need to take to get your account up and running.

You’ll first be asked to verify basic information about your company which includes address, operating status, and a few other pieces of information that should be readily available. In the next steps, you’ll verify who you are by uploading a photo ID, add your bank account, and connect the accounting software you use. After that has been taken care of, you can create your first payments approval process, add team members, and start automating things.

There are only a few menu items which include Payables, Receivables, and Contacts. Each one lists the relevant information and can be filtered based on different criteria such as name, date, amount, etc. Even a novice should be able to learn the system within a few minutes.

Add-ons and Integrations

Plooto doesn’t have a large integration ecosystem because of the nature of the software. Instead, it chose deep integrations with two types of platforms – banks and accounting software. It integrates seamlessly with most financial institutions in the United States and Canada. This allows you to make and receive payments directly to your bank.

It also integrates with Quickbooks and Xero. The two-way integration allows you to pull in data from the respective accounting tools to automate accounts payable and accounts receivable. It also allows Plooto to update data in your accounting software when transactions have been completed.

Customer support

Plooto has a responsive support team and is available via live chat. They can quickly sort out technical issues or point you in the right direction when you’re trying to understand something. If there’s a problem with making or receiving payments, then it can take considerably longer for them to rectify the issue. The sentiment with online reviews is mixed. Many people report stellar customer service while some report poor customer service.

  • Live Online Chat
    There is live chat support for customers during business hours.
  • Email
    Email support is also available to customers.
  • Video Tutorials
    There are a number of tutorial videos available via the company YouTube channel.
  • FAQ
    There’s a simple FAQ and detailed knowledge base that will answer most questions around features and implementation.
  • Blog
    The Plooto blog focuses on best practices around AP/AR and general business tips.

Final Word

Plooto is a simple and effective tool to manage your accounts payable and accounts receivable. It has deep integrations with two of the most popular accounting tools, connects to most banks, and manages international transactions. The interface is easy to learn and use for almost anyone.

This tool does what it was designed to do well. The challenge many people experience is that it’s sometimes too simple. It doesn’t handle scanning receipts and the currency conversion rates aren’t the best out there. With that being said, it’s a great tool if you don’t need all the bells and whistles but want to streamline your current processes.

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Pavel Aramyan>
Pavel Aramyan

Pavel is a writer with over 5 years of experience in researching and comparing consumer products from a variety of industries.

We make the best effort to present up-to-date information; however, the terms of each offer can be revised according to the service provider’s discretion. The above shall not be considered as an expert or professional advice for any matter.

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