Plooto
Plooto automates accounts payable and receivable for small businesses and accounting firms, with EFT, ACH, cheque and cross-border payments.
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.
A solid fit for SMBs paying suppliers by EFT, ACH or cheque; model your monthly payment count before you pick a plan.
A payables and receivables platform for small businesses and their accountants, with approvals and accounting sync.
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. 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.
Clear approvals, broad payment rails and a fully published fee table.
Per-payment fees on every plan, and the cheapest plan is limited to firm clients and 5 payments.
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.
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