Plooto
Bill pay and receivables for businesses in Canada and the US
Plooto report card
Fair · out of 4.0 · graded Oct 18, 2026
Best for bill pay across the Canada and US border
Plooto, from Toronto, pays supplier bills by EFT, ACH, check, card or international transfer and collects from customers by pre-authorized debit or card, syncing both sides with QuickBooks, Xero or NetSuite. It suits Canadian and US firms and the bookkeepers who pay bills for them. But there's no free plan, and its own summary file doesn't say whether its prices are US or Canadian dollars.
Who Plooto is for
- Great if you pay suppliers on both sides of the Canada and US border
- Handy when you remit payroll deductions or GST/HST to the CRA online, at $3.00 a payment
- Good for bookkeeping firms paying bills for lots of clients from one dashboard
Who Plooto is not for
- Skip it if you want a free plan, as there's only a 30-day trial
- Pricey if you send lots of payments on Go, at $1.00 each
- Not for you if you want company cards or expense reports for staff
Why Plooto gets a 2.2
Five grades, each with its reason. The GPA is their average: an A is 4 points, an F is none.
- CValue for moneyGraded 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.
- CFree plan and trialNo 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.
- CFeaturesPayables 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.
- CEase of useNo 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.
- BPlatforms and integrationsWeb 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.
What these grades rest on. Graded from this listing, whose facts were read from Plooto's own pages on 18 October 2026, with its prices taken from Plooto's own summary file of April 2026, which doesn't say whether they are US or Canadian dollars. Not based on using the product, and shorter than our full reviews. How we review and grade.
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<a href="https://toolgpa.com/tools/plooto#review"><img src="https://toolgpa.com/badge/plooto.svg" alt="Plooto: 2.2 GPA on ToolGPA" width="196" height="56"></a>Where Plooto stands among spend and bill pay tools
Plooto's GPA of 2.2 is higher than 1 of the 13 other spend and bill pay tools we grade, and level with 1.
It stands best on platforms and integrations (B, above 0 of 13) and worst on features (C, above 0).
Its paid plans start at $9 a month, against a middle price of $12 for the category: 2 of the 11 others that charge start lower.
On features, ease of use and platforms it scores 2.3 out of 4. 2 tools score higher and cost less.
Each grade against the category
Every bar is all 14 spend and bill pay tools we grade, cut by the letter each got. Plooto’s own letter is outlined.
- CValue for moneyAbove 1 of 13, level with 5
- CFree plan and trialAbove 2 of 13, level with 3
- CFeaturesAbove 0 of 13, level with 7
- CEase of useAbove 0 of 13, level with 3
- BPlatforms and integrationsAbove 0 of 13, level with 12
Price against what you get
Each dot is one of 13 spend and bill pay tools. Further left costs less, and higher up scores better on features, ease of use and platforms. Point at a dot to see which tool it is.
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
Keep Plooto, or make your own?
Keep it
To replace Plooto you would be making money moved between bank accounts, which takes a licensed payments partner. That is not a weekend's work, with an AI app builder or without one.
That makes this kind of software worth paying for, not this one in particular: 11 of the 13 other spend and bill pay tools grade higher. It costs $108 a year.
What you could make
- Invoicing: an app builder makes this well.
What you could not
- Money moved between bank accounts, which takes a licensed payments partner.
What this rests on. Plooto’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
What is Plooto?
Plooto, based in Toronto, automates paying and collecting business payments for small and midsize companies in Canada and the United States and the accounting firms that work for them. It reads supplier invoices, routes them through approvals and pays by EFT, ACH, check, card or international transfer, collects from customers by pre-authorized debit or card, and syncs both sides with QuickBooks, Xero or NetSuite.
Plooto is a paid product with a free trial, starting at $9 per month, billing term and currency not stated. See every plan
Good for
- 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
- 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
- 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.
Plooto pricing
- Starts at
- $9 per month, billing term and currency not stated
- Free plan
- None
- Free trial
- 30-day free trial with 10 free domestic transactions, no credit card required
| Plan | Price | What you get |
|---|---|---|
| Go | $9per month, billing term and currency not stated | 1 approver. Domestic payments $1.00 each, cross-border payments a $19 flat fee. |
| Grow | $32per month, billing term and currency not stated | Unlimited approvers. Domestic payments $0.50 each, cross-border payments a $10 flat fee. |
| Grow Unlimited | $59per month, billing term and currency not stated | Grow with unlimited free domestic payments. |
| Pro | $499per month, billing term and currency not stated | Everything in Grow plus single sign-on, priority support and a NetSuite integration add-on. |
Read from plooto.com on Oct 18, 2026. Prices change, so confirm with Plooto before you buy.
Ways to pay less
- Other savingsFree firm subscription for accountants
Accounting firms with 3 or more active clients on Grow or Pro get their own firm subscription free.
Stated on plooto.com
Works with
- QuickBooks Online
- QuickBooks Desktop
- Xero
- Oracle NetSuite
Plooto alternatives
- Plooto vs BILL
Free plan · from $49/mo
- Plooto vs Melio
Free plan · from $20/mo
- Plooto vs Nickel
Free plan · from $35/mo
- Plooto vs Ramp
Free plan · from $15/mo
Common questions
Is Plooto free?
No, Plooto is a paid product, but you can try it first. 30-day free trial with 10 free domestic transactions, no credit card required.
How much does Plooto cost?
Plooto lists 4 plans. Go: $9 per month, billing term and currency not stated. Grow: $32 per month, billing term and currency not stated. Grow Unlimited: $59 per month, billing term and currency not stated. Pro: $499 per month, billing term and currency not stated. Prices were read from plooto.com on Oct 18, 2026.
What platforms does Plooto work on?
Plooto is available on Web.
Does Plooto offer any discounts?
Plooto publicly lists the following: Free firm subscription for accountants.
Does Plooto have an Android app?
No Android app was listed when its pages were read on Oct 18, 2026. Plooto is listed for Web.
Does Plooto have an iPhone app?
No iPhone app was listed when its pages were read on Oct 18, 2026. Plooto is listed for Web.
Is Plooto open source?
Plooto is not described as open source on its own site, as read on Oct 18, 2026.
What does Plooto integrate with?
Plooto's listing names QuickBooks Online, QuickBooks Desktop, Xero and Oracle NetSuite. A listing names up to eight integrations, so it may connect to more.
Who makes Plooto?
Plooto is made by Plooto. It dates from 2015.
What are the alternatives to Plooto?
The closest alternatives to Plooto in our directory are BILL, Melio, Nickel and Ramp. Each one has a side-by-side comparison with Plooto.
How does Plooto compare with other spend and bill pay tools?
Plooto's GPA of 2.2 is higher than 1 of the 13 other spend and bill pay tools we grade, and level with 1. It stands best on platforms and integrations (B, above 0 of 13) and worst on features (C, above 0).
Is Plooto good value for money?
ToolGPA grades Plooto C for value for money. Its paid plans start at $9 a month, against a middle price of $12 for the category: 2 of the 11 others that charge start lower. On features, ease of use and platforms it scores 2.3 out of 4. 2 tools score higher and cost less.
Could I make my own version of Plooto?
To replace Plooto you would be making money moved between bank accounts, which takes a licensed payments partner. That is not a weekend's work, with an AI app builder or without one. That makes this kind of software worth paying for, not this one in particular: 11 of the 13 other spend and bill pay tools grade higher. It costs $108 a year. What you could not make: Money moved between bank accounts, which takes a licensed payments partner. This is a judgement from its listing. We have not built one.
Sources for this page
The prices, plans, platforms and features above were read from these pages on Oct 18, 2026.