BILL vs Plooto
We give BILL a 2.6 GPA and Plooto a 2.2, out of 4.0. BILL grades higher on features and ease of use. Plooto grades higher on value for money. They get the same grade on the free plan and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
BILL
Bill pay, invoicing and free company cards for small businesses
Plooto
Bill pay and receivables for businesses in Canada and the US
How we grade them
| 2.6GPABILLGood | 2.2GPAPlootoFair | |
|---|---|---|
| Value for money | DGraded against its bill pay alternatives. A ten-person company paying 20 supplier bills by ACH pays $60.80 a month on Essentials: $49 for one user plus $11.80 in fees at $0.59 each. Nickel, Ramp and Brex send ACH free, and two-way QuickBooks or Xero sync needs Team at $65. | CGraded against its bill pay alternatives. A ten-person company paying 20 supplier bills a month pays $29 on Go, $9 plus $1.00 a payment, in dollars its summary file doesn't name as US or Canadian. That's well under BILL but above Melio's free plan, and Nickel and Ramp send ACH free. |
| Free plan and trial | CSpend & Expense is free: Divvy cards, budgets, receipts and reimbursements, though card and payment fees still apply. Bill pay and invoicing, the main job, need a paid plan, and the trial is offered in most cases with no length given. | CNo free plan, but a 30-day trial with 10 free domestic payments and no credit card needed. After that the cheapest plan is Go at $9 a month plus $1.00 a payment. |
| Features | BThe whole job: a bills inbox with approval rules, payments by ACH, check or card, local-currency transfers to 130+ countries, invoices with auto-pay, Divvy cards with budgets, AI bill coding from Team and purchase orders on Corporate. | CPayables and receivables are covered: invoices read by OCR, multi-level approvals, batch payments, pre-authorized debits and CRA remittances. It's a smaller job than the category's, though, with no company cards or expense reports listed. |
| Ease of use | A4.86 from 48,758 App Store ratings, the top band. There are approval rules and an accounting link to set up first, but people clearly get on with it once that's done. | CNo store rating on record. You connect QuickBooks or Xero and set approval rules before the first payment goes out, which takes a bit of setting up. |
| Platforms and integrations | BWeb, iPhone and Android, syncing with QuickBooks Online, Xero, NetSuite, Sage Intacct, Dynamics and Acumatica, with an API. No desktop app is listed, and Essentials swaps data with QuickBooks and Xero by CSV only. | BWeb only, with QuickBooks Online, QuickBooks Desktop and Xero syncing on every plan and NetSuite as an add-on to Pro at $499 a month. No phone apps are listed. |
| Best for | bill pay with approvals and free company cards | bill pay across the Canada and US border |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: BILL and Plooto. How we grade
Price against what you get
BILL starts at $49 a month for each person and scores 3.3 out of 4 on features, ease of use and platforms. Plooto starts at $9 a month and scores 2.3.
BILL scores higher, and starts $40 a month higher: the question is whether the extra is worth that to you. Of the other spend and bill pay tools on the chart, none scores higher than BILL for less, and 2 score higher than Plooto for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- BILL starts at $49 per user / month for AP & AR, billing term not stated. Plooto starts at $9 per month, billing term and currency not stated.
- BILL has a free plan. Plooto does not, though it has a free trial.
- Only BILL lists iOS and Android apps.
- BILL also covers expense tracking and company cards.
At a glance
| BILL | Plooto | |
|---|---|---|
| Pricing | Free plan | Free trial |
| Starts at | $49 per user / month for AP & AR, billing term not stated | $9 per month, billing term and currency not stated |
| Free plan | BILL Spend & Expense: corporate cards, budgets, expense tracking and reimbursements with no subscription or per-user fee. Card and payment fees still apply. | None |
| Free trial | Free trial of the AP & AR plans "in most cases"; length not stated | 30-day free trial with 10 free domestic transactions, no credit card required |
| Web | ||
| iOS | ||
| Android | ||
| Made by | BILL Operations, LLC | Plooto |
| Price read from | bill.com | plooto.com |
| Checked | Oct 18, 2026 | Oct 18, 2026 |
Who each one suits
BILL
- Small businesses that pay many supplier bills by ACH or check
- Accounting firms running bill pay for several clients
- Teams that want free company cards next to their bill pay
Plooto
- Canadian and US businesses that pay suppliers across the border
- Bookkeeping firms paying bills for many clients
- Canadian businesses remitting payroll and GST/HST to the CRA online
Worth knowing
BILL
- Payments carry fees on every plan: $0.59 per ACH payment, $1.99 per mailed check, $19.99 per USD wire abroad, and 2.9% to pay a bill by card.
- The Essentials plan exchanges data with QuickBooks and Xero only by CSV file; automatic two-way sync starts on Team, and NetSuite or Sage Intacct needs Enterprise.
- Spend & Expense is provided by Divvy Pay LLC, the Divvy Card is issued by its bank partners, and credit lines depend on approval.
- Every Essentials and Team user pays the full seat price; cheaper approver-only seats come with Corporate and Enterprise.
Plooto
- Fees per payment: domestic $1.00 on Go or $0.50 on Grow, checks $1.99, CRA payments $3.00, card acceptance about 2.9% + $0.30. The file also lists cross-border at $9.99.
- Plooto's pricing page answered with a bot check; plan prices come from Plooto's own summary file of April 2026, which does not say whether they are US or Canadian dollars.
- Plooto serves businesses in Canada and the US and says it is a licensed money transmission business in Canada.
- QuickBooks Online, QuickBooks Desktop and Xero sync on every plan; NetSuite is a Pro add-on.
Key features
BILL
- Accounts payable
- Bills arrive in one inbox, are routed through approval rules and are paid by ACH, check, virtual card or card, with W-9s collected by an agent.
- Invoices and receivables
- Send one-off or recurring invoices, chase them with automatic reminders, and get paid by ACH or card with auto-charge and auto-pay.
- Spend & Expense with the Divvy Card
- Corporate cards with budgets and spending rules. Receipts are captured by photo or text message and matched to transactions.
- International payments
- Pay suppliers in more than 130 countries, in their local currency with no BILL fee beyond the exchange rate, or by USD wire.
- AI bill coding
- From the Team plan, the Invoice Coding Agent fills in line-by-line accounting codes on incoming bills.
- Procurement
- Purchase requests, purchase orders, tolerance rules and 2-way matching, included on Corporate and an add-on below it.
Plooto
- Accounts payable
- Plooto Capture reads invoices by OCR, and bills go through multi-level approvals, scheduling and batch payment with a full audit trail.
- Receivables
- Send invoices and collect by pre-authorized debit or by Visa, Mastercard or Amex with two-business-day settlement, plus recurring payments and reminders.
- International payments
- Pay suppliers in 40+ countries and 25+ currencies over Global ACH, with a flat cross-border fee and no separate FX transfer fee.
- Pay by card
- Pay a supplier with a commercial credit card while the supplier receives EFT, ACH or a check, for a 2.9% fee.
- Plooto Instant
- A pre-funded wallet in US or Canadian dollars that speeds payments up to one or two business days at no extra transaction cost.
- Dashboard for accounting firms
- Firms run payables for every client from one dashboard, with per-client approval rules and dual controls.
Plans
BILL
Spend & Expense$0
BILL Divvy Card, budgets, receipt capture, reimbursements and credit lines from $1,000 to $5M, subject to approval.
Essentials$49
per user / month, billing term not stated
Bill entry and approvals, payments by ACH, card or check, invoicing, W-9 collection. Syncs with accounting software by CSV only.
Team$65
per user / month, billing term not stated
Adds automatic two-way sync with QuickBooks and Xero, AI bill coding, custom user roles and cash flow forecasting.
Corporate$89
per user / month, billing term not stated
Adds custom approval policies, purchase orders and requests, cheaper approver-only users, single sign-on and multi-entity books.
EnterpriseCustom
Adds sync with NetSuite, Sage Intacct, Dynamics and QuickBooks Enterprise, 2- and 3-way matching, dual control and premium phone support.
Plooto
Go$9
per month, billing term and currency not stated
1 approver. Domestic payments $1.00 each, cross-border payments a $19 flat fee.
Grow$32
per month, billing term and currency not stated
Unlimited approvers. Domestic payments $0.50 each, cross-border payments a $10 flat fee.
Grow Unlimited$59
per month, billing term and currency not stated
Grow with unlimited free domestic payments.
Pro$499
per month, billing term and currency not stated
Everything in Grow plus single sign-on, priority support and a NetSuite integration add-on.
Ways to pay less
BILL
No public discounts listed.
Plooto
- Other savings
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