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.

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.

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 Bill.com And you end up in the exact same spot - just more money in the user's bank account (due to much lower fees).