At a glance
Plooto is a Canadian payments platform for small and mid-sized businesses, handling supplier payments and customer collections with approvals and two-way sync to QuickBooks and Xero. Domestic rails and pre-authorized debit are its strength.
Best for
Canadian businesses that need the document and the line-level sales-tax detail, not only the payment.
Where it's stronger
Best for
Canadian businesses whose problem is paying and collecting cheaply on domestic rails.
Where it's stronger
Every comparison on this site names what the other product does better. If we couldn't think of anything, we didn't publish the page.
Side by side
These are structural differences, not plan checkboxes. Capabilities change, so check the vendor's own documentation before deciding on any single row.
Canadian supplier payments and pre-authorized debit
Collecting payment from customers
Two-way sync with QuickBooks and Xero
Reading an invoice and coding it
Itemized receipts issued by the merchant
Corporate cards and employee expenses
What each payment costs
None of this needs a big-bang cutover. Most teams run both tools for one cycle and compare capture rates before switching anyone off.
Plooto solves payment. Decide separately whether capture and coding are costing you time.
Both products post to QuickBooks or Xero, so your ledger isn't what's at risk.
Bring invoices and card spend over before changing anything about payments.
Payments can stay with Plooto indefinitely if the pricing suits you.
FAQ
What people ask us before they sign up.
Keep comparing
The products people evaluate alongside Plooto.
Melio pays suppliers cheaply. Smartbills covers the invoice work that comes first: capture, matching, coding and multi-step approvals.
Read the comparisonWorth a look if your payables team loses more time finding and coding invoices than paying them, and card receipts sit in another tool.
Read the comparisonFor payables teams stuck on capturing and coding invoices, which is a different job from the cross-border payouts Tipalti is known for.
Read the comparisonEach product works on its own, and when you run two, the same record carries from the receipt to the ledger entry.
Accounts payable automation that reads each supplier invoice, codes it and matches it to the purchase order before anyone is asked to approve payment.
Coming soon: release approved supplier payments in scheduled runs from Smartbills, with the person who approves a bill kept apart from the one who pays it.
Accounts receivable automation that sends each invoice on time, escalates the reminders on schedule and lets customers pay from a link.
Get started
Bring one month of your own receipts and card transactions, and we'll show you the capture rate on both sides instead of a slide deck.
