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By Plooto
3.17 out of 5 stars
Plooto is the fastest way to manage business payments. Reduce time on your AP & AR processes & improve your cash flow
out of 5
Reviewed by
Xero users
Key functions
Accountant tools
Key industries
Professional services


Plooto is an all-in-one platform that enables businesses to automate their domestic and international accounts payable & accounts receivable functions by unifying payments, processes, control, & reporting. Powerful features include pre-authorized debit agreements & recurring billing. And, accept credit card payments and get paid as soon as 2 business days, further improving your cash flow!

Plooto + Xero

Instant two-way sync with Xero without the integration fees. Simply login to Xero through Plooto and you are all set. Import bills and invoices from Xero, make or receive electronic payments through Plooto, and all transactions automatically reconciles back into Xero.

Reviews & ratings

3.2 out of 5 stars
13 Reviews

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Most recent reviews

Danielle Sandusky
Posted 11 Sep 2023
1 out of 5 stars

Lost payments- money in limbo

What an absolute nightmare. The email capture module is trash, it imports dates hilariously wrong and the auto-publish rules that should recognize recurrent invoices don't work at all. But that's immaterial compared to the actual payment problems. I initiated 5 check payments in one batch to 5 different vendors, which Plooto insists were all lost by USPS. OK, but they already took the money from my accounts and I have to wait for the funds to be returned, while I have to reissue check payments to my angry vendors that will be debited right away. The cherry on top was the 'internal glitch' that I was just informed of, wherein a payment to a small vendor of mine was randomly recalled by Plooto, causing embarrassment to me and unknown havoc in his accounts. Stay far away unless you just enjoy being a beta tester for a software company that doesn't care about actually making reliable payments.
Blair Collins
Posted 7 Dec 2020
4 out of 5 stars
Excellent gateway for sending payables payments but on the receivables side my challenge is with repeating invoices from Xero. Google Voice resold to our customers for example is usage based so the dollar amount is variable every month. We can't just update the repeating invoice in Xero and have Plooto charge the customer the variable amount each month. We have to also update the recurring payment scheduled in Plooto separately. Gocardless despite its higher fees is what we had to settle on avoid this error prone extra updating step.
Reynaldo E. Arellano, CPA
Posted 2 Jun 2020
4 out of 5 stars
I met the Plooto team members at XeroCon San Diego. They answered every question (over multiple booth visits over the two days) with flying colors. Interface is ok. It appears they've made improvements the last couple years. Initial onboarding is tough due to KYC and AML banking requirements. Yes, about five business day delay in movement of funds, avoided if you pre-load funds into your "Plooto Instant" account - or plan ahead. Yeah, some improvements needed. Support is getting better. Leadership issues according to GlassDoor - but it appears big changes have been made in the last 6 months. For the price, I'm very happy. Much more affordable than And you end up in the exact same spot - just more money in the user's bank account (due to much lower fees).

Additional info


Accountant toolsPayments


Professional servicesAccounting

App details

By Plooto


Canada, United States




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