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.
5.9
Our score
5.9 / 10
Conversion Gems editorial verdict
2.99% per card payment; no subscription
Features6/10
6 - covers card bill pay, card acceptance, financing, bulk payments and approvals, but no wider AP or spend management.
Value5/10
5 - no subscription, but 2.99% per payment plus $0.99 to $39 delivery fees is pricey next to Melio's free ACH allowance.
Ease of use7/10
7 - self-serve sign-up and a mobile app; delivery methods and fee add-ons take a moment to understand.
Ecosystem6/10
6 - syncs with QuickBooks Online, Sage Intacct, Oracle NetSuite and Xero; few other named integrations.
Support5/10
5 - a support portal at support.plastiq.com; we could not verify live chat or phone hours on the vendor's pages.
What it really is
A pay-by-card bill payment service with a free card acceptance product, now owned by Priority Technology Holdings.
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. 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 it
Published fees, no subscription and syncs with four accounting systems.
The catch
2.99% per payment plus delivery fees, and a 2023 Chapter 11 history.
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
Friction report
Time to value
Same day: sign up online, add a card and a vendor, and schedule a payment.
Scale breakpoint
At high volume the 2.99% fee adds up; a subscription AP tool may cost less.
Walled garden
Low: payments sync to QuickBooks Online, Sage Intacct, NetSuite and Xero.
Plastiq fees
Item
Fee
Notes
Card payment (Plastiq Pay)
2.99%
Per payment charged to your card
Short-term financing
2.75%-10.65%
When you spread a payment
ACH / EFT delivery
$0.99
Per payment
Paper check delivery
$1.49
Per payment
Wire delivery
$8.99 domestic / $39 international
Per payment
Expedited delivery
From 0.2%
Same/next day and overnight checks
Plastiq Accept
Free to the business
Payer pays 2.99% per card payment
Subscription
None
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
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%.
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.
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).
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.
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:
Melio: Bill pay and invoicing for small businesses, with a free plan that includes some free bank transfers.
Tipalti: Accounts payable automation for finance teams paying many suppliers across countries.
Payoneer: Cross-border payments and receiving accounts for businesses selling internationally.
Ramp: Corporate cards with expense tracking and automated reporting.
